Risk Management | Gem Underwriting

Contractual Liability – Just Because It’s in the Contract Doesn’t Mean It’s Covered the Insurance Policy

by RiGem | May 5, 2026 | Risk Management

Contractors often assume that if they have Public Liability insurance in place, they’re covered for what their contract asks them to do. In many cases, that’s true. But contractual liability is often where that assumption starts to break down. A contractor can have...

Is AI Going to Replace Underwriting?

by RiGem | Apr 20, 2026 | Risk Management

By Glenn Marshall I’ve been thinking about this for a while now, and the more I hear and learn about AI, the more I think we need to stop kidding ourselves and have a proper conversation about what it really means for our market. There’s a lot of chat about AI at the...

Premises Exclusions: Why Liability Cover Can Fail Before a Claim Is Even Made

by RiGem | Feb 6, 2026 | Risk Management

In liability insurance, exclusions are often viewed as technical constraints – clauses designed to limit exposure at the margins of risk. Premises exclusions are different. When they are misunderstood or misaligned with the insured’s real-world operations, they...

Premises Exclusions & Why Liability Cover Can Fail Before a Claim Is Even Made

by RiGem | Feb 5, 2026 | Risk Management

In liability insurance, exclusions are often viewed as technical constraints – clauses designed to limit exposure at the margins of risk. Premises exclusions are different. When they are misunderstood or misaligned with the insured’s real-world operations, they...

Lifting Operations: The Hidden Liability Exposure on Almost Every Construction Site

by RiGem | Dec 11, 2025 | Risk Management

Lifting operations are a routine operation on most construction sites at some point, and that is precisely why they remain one of the sector’s most underestimated risks. When lifts fail, the consequences are rarely minor. Falls from height, trapped loads, dropped...

Minimum and Deposit Premiums – Getting It Right Matters

by RiGem | Nov 7, 2025 | Risk Management

In a market where wages, turnover, and costs are all on the rise, Minimum and Deposit (M&D) premiums have become one of the most important and most misunderstood parts of the underwriting process. Handled well, M&Ds protect everyone involved. Handled and...