Ohio law imposes a broad duty on insurance companies to defend their insureds (you) when a matter falls under your liability coverage. So, one would think, Ohio law is on your side! Right? Not so fast! Remember the insurance companies have powerful lobbying groups in Columbus. The broad duty to defend is also counterbalanced by the insurance agreement, its terms, and how courts interpret your agreement, or should I say contract with your insurance company.
Remember that contract interpretation webinar I did a few weeks back? It will come into play today! No worries, if you missed out on it - join this webinar. I will tell you what you need to know.
Watch this Webinar to learn what you can to to be sure that you are covered (and not in breach of your subcontract), about what coverages really are in the CGL, What the "additional insured" coverage is really designed to protect, what the "Your Work" exception is and how it can hurt you and, if you hire a subcontractor and THEIR work is the issue, when is it STILL "Your Work?" You will learn about how the courts interpret your insurance agreement, Ohio's broad duty to defend, and the more restrictive insurance agreement terms and how they chip away at the insurance companies broad duty to defend.