Insurance and Indemnity Gaps: How Outdated Clauses Create Hidden Risks
Melissa L. Hirm is an attorney and holds the coveted designations of Associate in Risk Management (ARM) and Accredited Advisor in Insurance (AAI) which are nationally recognized. With more than 25 years of experience as an attorney, she has drafted many contracts including insurance requirements and indemnity provisions and other risk management provisions.
Michael S. Hale is an attorney and Chartered Property Casualty Underwriter (CPCU) with more than 30 years of experience in insurance, risk management, and law. He has been retained as an expert witness in over 200 matters across the United States and has testified in numerous depositions and trials.
2 hour CLE
Tuition: $195.00
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Program Summary
Lease agreements, construction contracts, licenses, and sales agreements often include insurance and indemnity clauses that impose specific requirements upon the parties to obtain and maintain insurance and to also indemnify the other party (and perhaps certain third parties) for injuries, death or property damage liability claims. These clauses often include outdated or nonexistent language, or are not broad enough to protect owners, landlords, and construction managers. On the other hand, those agreements to provide such insurance coverage may not be in compliance with the scope of limits of insurance coverage on their commercial insurance program. Additional insureds and loss payees as well as land contract vendors face issues with how such parties should be listed on the insurance of the obligee. We often find such contract provisions in need of improvement and this webinar will offer practical advice, real case examples and lessons on how such language should appear to best protect the parties.
Key topics to be discussed:
- Insurance and indemnity requirements in leases from the standpoint of the landlord and the tenant
- Insurance and indemnity requirements in construction agreements from the standpoint of the parties
- Insurance and indemnity requirements in vendor and other contract types
- How to review the insurance policies of the obligee: What to look for and common gaps
- Additional insureds, loss payees, and vendor coverage labels and what to look for
- Certificates of insurance: How valuable are they really?
- Insurance and indemnity requirements
Date / Time: October 31, 2025
- 1:00 pm – 3:10 pm Eastern
- 12:00 pm – 2:10 pm Central
- 11:00 am – 1:10 pm Mountain
- 10:00 am – 12:10 pm Pacific
Closed-captioning available
Speakers
Melissa L. Hirn | Clairmont Advisors & Law Offices of Hale & Hirn
Melissa L. Hirm is an attorney and holds the coveted designations of Associate in Risk Management (ARM) and Accredited Advisor in Insurance (AAI) which are nationally recognized. With more than 25 years of experience as an attorney, she has drafted many contracts including insurance requirements and indemnity provisions and other risk management provisions. She represents many small to medium sized businesses and municipalities in Michigan and is also a licensed insurance producer in that state. Ms. Hirn is a partner in Clairmont Advisors, LLC, where she provides expert risk management consulting and insurance advisory support. She also serves as a partner in the Law Offices of Hale & Hirn, PLC based in Northville, Michigan.
Michael S. Hale | Clairmont Advisors & Law Offices of Hale & Hirn
Michael S. Hale is an attorney and Chartered Property Casualty Underwriter (CPCU) with more than 30 years of experience in insurance, risk management, and law. He has been retained as an expert witness in over 200 matters across the United States and has testified in numerous depositions and trials. Mr. Hale is President of Clairmont Advisors, LLC, where he provides expert witness services, risk management consulting, and insurance advisory support. He also serves as Managing Director & General Counsel of Law Offices of Hale & Hirn, PLC based in Northville, Michigan.
Agenda
I. Insurance and indemnity requirements in leases from the standpoint of the landlord and the tenant | 1:00pm – 1:20pm
II. Insurance and indemnity requirements in construction agreements from the standpoint of the parties | 1:20pm – 1:40pm
III. Insurance and indemnity requirements in vendor and other contract types | 1:40pm – 2:00pm
Break | 2:00pm – 2:10pm
IV. How to review the insurance policies of the obligee: What to look for and common gaps | 2:10pm – 2:25pm
V. Additional insureds, loss payees, and vendor coverage labels and what to look for | 2:25pm – 2:40pm
VI. Certificates of insurance: How valuable are they really? | 2:40pm – 2:55pm
VII. Insurance and indemnity requirements | 2:55pm – 3:10pm
Credits
Alaska
Approved for CLE Credits
2 General
Alabama
Approved for CLE Credits
2 General
Arkansas
Approved for CLE Credits
2 General
Arizona
Approved for CLE Credits
2 General
California
Approved for CLE Credits
2 General
Colorado
Pending CLE Approval
2 General
Connecticut
Approved for CLE Credits
2 General
District of Columbia
No MCLE Required
2 CLE Hour(s)
Delaware
Pending CLE Approval
2 General
Florida
Approved via Attorney Submission
2.5 General Hours
Georgia
Pending CLE Approval
2 General
Hawaii
Approved for CLE Credits
2.4 General
Iowa
Pending CLE Approval
2 General
Idaho
Pending CLE Approval
2 General
Illinois
Pending CLE Approval
2 General
Indiana
Pending CLE Approval
2 General
Kansas
Pending CLE Approval
2 Substantive
Kentucky
Pending CLE Approval
2 General
Louisiana
Pending CLE Approval
2 General
Massachusetts
No MCLE Required
2 CLE Hour(s)
Maryland
No MCLE Required
2 CLE Hour(s)
Maine
Pending CLE Approval
2 General
Michigan
No MCLE Required
2 CLE Hour(s)
Minnesota
Pending CLE Approval
2 General
Missouri
Approved for CLE Credits
2.4 General
Mississippi
Pending CLE Approval
2 General
Montana
Pending CLE Approval
2 General
North Carolina
Pending CLE Approval
2 General
North Dakota
Approved for CLE Credits
2 General
Nebraska
Pending CLE Approval
2 General
New Hampshire
Approved for CLE Credits
120 General minutes
New Jersey
Approved for CLE Credits
2.4 General
New Mexico
Approved for CLE Credits
2 General
Nevada
Pending CLE Approval
2 General
New York
Approved for CLE Credits
2.4 General
Ohio
Pending CLE Approval
2 General
Oklahoma
Pending CLE Approval
2.5 General
Oregon
Pending CLE Approval
2 General
Pennsylvania
Approved for CLE Credits
2 General
Rhode Island
Pending CLE Approval
2.5 General
South Carolina
Pending CLE Approval
2 General
South Dakota
No MCLE Required
2 CLE Hour(s)
Tennessee
Pending CLE Approval
2 General
Texas
Approved for CLE Credits
2 General
Utah
Pending CLE Approval
2 General
Virginia
Not Eligible
2 General Hours
Vermont
Approved for CLE Credits
2 General
Washington
Approved via Attorney Submission
2 Law & Legal Hours
Wisconsin
Pending CLE Approval
2 General
West Virginia
Pending CLE Approval
2.4 General
Wyoming
Pending CLE Approval
2 General
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