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When a Contractor’s Insurance Can Leave Your Building Exposed
Understanding “Action Over” Exclusions in Plain English
By Natale Scopelliti, CIC Honig Conte Porrino Insurance Agency Inc. January 2026
A Common Scenario for NYC Condo & Co‑Op Buildings
When a condominium or co‑op hires a contractor—or allows a unit owner or tenant to do so—the assumption is simple: the contractor’s insurance…

2025 Legislative Changes Affecting California Commercial Real Estate – A Retrospective and Some 2026 Previews

©Norma J. Williams 2025

A look back at legislation affecting California commercial real estate that became effective on January 1, 2025 (or other date as noted) reveals a number of laws that affected the commercial real estate business and legal practices. This article also previews…

Chapter 11 bankruptcy presents mid-sized businesses facing financial distress with a serious path to restructuring. But there are plenty of pitfalls, particularly for franchisees who operate under license from a better capitalized and more sophisticated franchisor partner with the underlying franchise agreement governing many aspects of franchisee operations. A recent decision out of the U.S. Bankruptcy Court for the Southern…

Between tariffs, substantial investments in AI and data centers, persistent inflation, rising unemployment, and geopolitical and policy changes and developments, many sectors within the U.S. and global economy are facing uncertainty, which has led to a 10% year-over-year increase in overall U.S. bankruptcy filings. In this environment, businesses invariably find themselves having to adjust and react to the business distress…

When companies take on construction projects—whether a new headquarters, a tenant buildout, or a multi-million-dollar development—they often underestimate one crucial factor: who’s really protecting the owner’s interests.

Contractors build. Architects design. Engineers provide technical expertise. But who ensures that every decision, every dollar, and every deadline aligns with the owner’s vision and goals? That’s the role of the Owner’s Representative…

Everyone thinks they can time the market. The reality is, no one can!

But here’s what the wealthiest investors I know understand: it’s not about timing the perfect moment to enter or exit. It’s about having situational awareness and knowing when to take some chips off the table before you lose them all.

As Warren Buffett said, we had “one…

In my blog “Contract Law Tips & Checklists” I offer free contract playbooks on various kinds of agreements (including NDAs, SaaS, AI, SOWs, etc.), and on various contract clauses (e.g., Indemnity and Limitation on Liability, Acceptance, Payment, etc.).

I try to write my playbooks in plain English, so you don’t have to be a lawyer to use them, while still…