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Data protection

Pollution Liability Insurance

📖 3 min read

This clause requires one or both parties to maintain pollution liability insurance coverage, protecting against financial losses arising from environmental contamination or pollution-related claims. The clause typically specifies minimum coverage amo

Environmental liability pollution coverage risk allocation

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Confidentiality

Environmental Liability Insurance

📖 3 min read

This clause requires a party (typically a contractor, vendor, or service provider) to obtain and maintain environmental liability insurance covering pollution-related claims, environmental damage, remediation costs, and regulatory fines arising from

Environmental liability pollution coverage remediation costs

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Commercial

Insurance for Contractors

📖 3 min read

This clause obligates contractors to obtain and maintain comprehensive insurance coverage throughout the duration of their work, including general liability insurance, workers' compensation insurance (where legally required), and often equipment or v

General liability workers' compensation additional insured

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Vendor

Insurance for Consultants

📖 3 min read

This clause requires independent consultants to maintain specified types and amounts of insurance coverage during their engagement with the company. The clause typically mandates that consultants carry professional liability insurance (also called er

Professional liability insurance errors and omissions additional insured

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Termination

Insurance for Subcontractors

📖 3 min read

An insurance for subcontractors clause requires the primary contractor to ensure that any subcontractors performing work under the contract maintain specified insurance coverage (such as general liability, workers' compensation, or professional liabi

subcontractor insurance certificate of insurance additional insured

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Saas

Run-Off Insurance Coverage

📖 3 min read

A run-off insurance coverage clause requires a SaaS (Software-as-a-Service) provider to maintain professional liability, errors and omissions, or cyber liability insurance for a specified period after the contract ends or the service is discontinued.

tail coverage claims-made insurance post-termination liability

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Restrictive covenants

Excess Layer Insurance

📖 3 min read

An excess layer insurance clause requires one party (typically the service provider or contractor) to maintain insurance coverage that sits "above" or "excess to" a specified primary insurance layer. This means the excess insurance only activates aft

excess insurance primary insurance coverage limits

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Real estate

Insurance Coverage Limits

📖 3 min read

This clause defines the maximum amount of money the insurance company will pay for covered losses under a real estate insurance policy. Insurance coverage limits are typically expressed as a dollar amount and may be structured in multiple layers: a p

coverage limit maximum payout per-occurrence limit

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Payment

Deductible Responsibility

📖 3 min read

This clause specifies which party—the policyholder or the insurance company—bears financial responsibility for paying the deductible when a claim is filed. The deductible is the amount of money the insured party must pay out-of-pocket before the insu

deductible amount out-of-pocket cost per-claim deductible

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Intellectual property

Insurance Notice of Cancellation

📖 3 min read

This clause establishes the procedures and timelines that an insurance provider must follow when canceling or non-renewing an insurance policy. It typically requires the insurer to provide written notice to the policyholder (and often to other intere

cancellation notice policy termination notice period

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