Risk Transfer Gaps

Risk Transfer Gaps

The Salient Oversight: How a Missing Indemnity Clause Creates Costly Risk Transfer Gaps

A construction subcontractor's employee is injured on site. The general contractor's insurance pays the claim, but the subcontractor's contract lacks ...

Risk Transfer Gaps

The Salient Risk Transfer Gap That Leaves Modern Professionals Exposed

A graphic designer signs a client's standard statement of work without reading the indemnity clause. A freelance developer verbally agrees to fix a bu...

Risk Transfer Gaps

The Salient Gap in Cyber Risk Transfer: Why Vendor Agreements Often Fail (and How to Fix It)

A company signs a vendor agreement with what looks like solid cyber liability language. The vendor promises to indemnify for data breaches caused by t...

Risk Transfer Gaps

The Silent Risk Transfer Gap That Undermines Your Coverage (and How to Close It)

You've done the work. Your contracts include indemnity clauses, additional insured endorsements, and requirements for certificates of insurance. But w...

Risk Transfer Gaps

Your Excess Liability Policy May Be a Mirage: The Common Mistake of Overlooking Silent Cyber Exclusions and How to Fix the Gap

You have a $25 million excess liability tower sitting above your primary general liability and umbrella policies. It feels solid—a financial fortress ...

Risk Transfer Gaps

The Salient Gap: How Transferring Risk to a Subcontractor Can Leave You Holding the Claim (and the Three Contract Clauses That Close It)

Risk transfer is a staple of project management. You hire a subcontractor, you require them to carry insurance, you add an indemnity clause, and you m...