Articles

		Interpreting Insurance Policies - When Courts Take Shortcuts
Additional Insured
		Additional Insured Issues 2016 Part One IRMI NEW This article was first published on IRMI.com and is reprinted with permission.
		Additional Insured Issues 2016 Part Two IRMI NEW This article was first published on IRMI.com and is reprinted with permission.
		Additional insured - After the Work is Done
		Additional Insured Endorsements - Which Apply?
		The Texas Supreme Court Decides the Insurance Dispute in the BP Oil Spill
Automobile
		Commercial Auto Pollution Insurance
		Motor Carrier Act-MCS 90
Certificate of Insurance
		Certificates of Insurance a Look at the Basics
		Emerging Risk - Certificates of Insurance
Construction Risk
		Construction Defect Claims - An Update
		Construction Defects - Part 1 -
		Construction Defects - Part 2 -
		Construction Insurance Requirements - A Primer
		General Contractor or Construction Manager
		Insuring Construction
		Project Owners & Developers-Owners Interest Policies
		The Your Work Exclusion - A Curious View -
		Wrap-up Insurance Programs - Part One (February, 2013)
		Wrap Up Insurance Program - Part 2 -
Crime
		Crime - Getting More Out of the Policy - April 2010
		Crime Insurance - The Other Property Policy
Cyber
		Analyzing Nonstandard Cyber/Privacy Insurance Policies
		Cyber/Privacy Insurance: Impaired subrogation = no coverage for insured?
		Cyber Risk-Data Damage and Destruction Beyond the Naked Eye
		First-Party Insurance for Cyber Risks
Environmental
		Environmental Insurance for Contractors: More Possibilities Than May be Expected
General Liability
		A High-Level View of the CGL Policy IRMI January 2010
		Additional Insured Changes in the CGL
		Additional Insured Endorsements - Part 1
		Additional Insured Endorsements - Part 2
		Additional Insured Endorsements - Part 3
		Additional Insured Endorsements - A Potential Minefield
		Additional Insured Status - Automatic  or Wet Blanket? - October 2011
		Auto v. Mobile Equipment in the CGL
		Auto v. Mobile Equipment - An Update (2004 CGL)
		Big Changes in Texas - Limitations on Indemnity and Additional Insured-
		Broad Form Property Damage - A Look Back-
		Care Custody and Control in the CGL Policy
		CGL Covered Locations
		CGL Insurance 2007 Edition Changes
		CGL - Policy Changes - December 2004
		The CGL Pollution Exclusion
		Claims-made CGL Policy
		Contractual Confusion-Assuming the Liability of Others
		Contractual Indemnification v. Additional Insured-
		Contractual Liability and the CGL Policy
		Contractual Liability Exclusion-The Ball is in your Court
		Coverage Gaps Created by Exclusionary Endorsements NEW This article was first published on IRMI.com and is reprinted with permission.
		Discontinued Completed Operation Insurance
		Discontinued Products Liability Insurance
		The Duty to Defend - Groundless False or Fraudulent
		Emerging Risk - The Additional Insured Dilemma
		Expected or Intended Exclusion - CGL
		Faulty Work and the CGL
		Fire Legal
		The Impaired Property Exclusion - April 2010
		The Hazards of Products and Completed Operations
		How the Limits Apply in the CGL Policy
		In Defense of Insured Contracts
		Is an Occurrence the Bodily Injury or Property Damage?
		Emerging Risk - The Additional Insured Dilemma
		The Increasingly Complex CGL Policy - IRMI - January 2011
		The ISO Classification System and the CGL Policy
		Known Injury or Damage
		Legal Separation - The Severability Test in the CGL
		Loss of Use as Property Damage NEW This article was first published on IRMI.com and is reprinted with permission.
		The Montrose Endorsement - Fifteen Years Later - IRMI 2014
		OCP Liability versus Additional Insured Coverage
		Other Insurance and the CGL Policy
		Personal & Advertising Injury Coverage in the CGL
		Personal & Advertising Injury Exclusions
		Pollution Exclusion and Products-Competed Operations
		Punitive Damages-Setting an Example
		Primary and Noncontributory-
		Raising the Bar - the Liquor Exclusion
		Reimbursement of Defense Costs in CGL
		Selling Your Premises - Does CGL Coverage Apply After the Sale-
		Some Common Coverage Misconceptions of the CGL Policy
		Subrogation and the CGL Policy-
		The 2013 Edition of the CGL Policy-
		The CGL and the Professional Liability Exclusion -
		The Recall Expense Exclusion
		Trigger Theories and the CGL
		When Workers are not Employees
		Who is on First - Additional Insured and Order of Coverage
		When is an Insured Not an Insured -
Property
		Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification
		Builders Risk Insurance
		Business Interruption - A Case Study
		Coinsurance in property insurance
		Equipment breakdown-more than just boiler and machinery
		Hurricanes, Tropical Depressions and Floods - Oh My!
		Important Property Considerations (contact William Austin for hardcopy)
		Insurable Interests in Property Insurance
		Landlord Tenants and the Subrogation Dilemma NEW
		Layered Property Insurance (contact William Austin for hardcopy)
		Limiting the interruption in business interruption insurance
		New Year Resolutions for Property Risk Management in 2009
		Pollution Events - an Insured Peril in Property Insurance
		Property Insurance Resolutions for 2010
		Property Valuation
		Supply Chain Exposures
		Utility Service Interruption: Another Aspect of Supply Chain Exposures
Umbrella/Excess Liability
		Commercial Umbrellas and the Demand for Primary and Noncontributory NEW This article was first published on IRMI.com and is reprinted with permission.
		Commercial Umbrella-Stand Alone or Follow Form
Workers Compensation/Employer's Liability
		Third Party Over Claims Part 1
		Third Party Over Claims Part 2

A&S Newsletters

		A Practice Update - Winter 2008
		Blackouts, Brownouts and Other Illuminations On Utility Interruption Insurance
		Casual Labor Issues
		College and University Risk Issues-February 2011
		Cyber/Privacy Insurance: Impaired subrogation = no coverage for insured?
		Emerging Risk - Certificates of Insurance
		Emerging Risk - Risk Management Resolutions
		Emerging Risk - Spitzer Sues Marsh
		Emerging Risk - The Additional Insured Dilemma
		Enterprise Risk - An Elementary Approach
		Planning - An Overlooked Risk Management Technique
		Real Estate Leases - Bursting with Risk
		The Hold Harmless Agreement - A Primer
		The Terrorism Risk Insurance Act of 2002

Interviews

		"Taking a Broad View Handling Risk" Providence Business News - April 28 - May 4, 2008
		"Risk Assessment to the Rescue" Providence Business News - Aug. 29 - Sept. 4, 2005
		"Then There Was One" Best's Review - August 2005
		"Risk Management: A Holistic Approach" Bank Director - October 2003
		"The Future is Now: Planning Strategy and Reporting Results" Liberty Directions - February 1998

Presentations

		Exposure Identification Presentation to URMIA 10-3-12 updated 10-11-12
		WK Austin panelist on "Emerging risks from Alien Tort Statute at Fordham Law School, October 22, 2011"
		Operational Risk Management - More than an Insurance Policy - State of RI Accountants and Auditors Institute Annual Meeting - October 1, 2008
		URMIA Presentation: Construction & Contractor's Insurance April 12, 2007
		Risk Management MRIMS March 11, 2004

Press Releases

		Society of CIC Honors Stanovich for Twenty Years of Leadership
		A&S Risk Assist 11/21/08
		A&S and Wrap - Strategies to Provide Joint Risk Management Consulting Services 8/30/07
		William K. Austin to Judge Business Insurance 2007 "Risk Manager of the Year" 2/27/07
		A&S Announces Consulting Services for Insurance Agents & Brokers 10/18/04

Links to Other Risk and Insurance Resources

		Business Insurance
		Insurance Information Institute
		Insurance Library Association of Boston
		Insurance Services Office
		International Risk Management Institute (IRMI)
		NCCI
		Occupational Safety & Health Administration/U.S. Department of Labor
		Risk and Insurance Management Society