Heading into Super Bowl week and other large events, what is one endorsement or contract clause—such as CG 20 10/CG 20 37 additional insured with primary and noncontributory wording—that has most reduced claims friction for your insureds? Can you cite one situation where that specific wording or COI process prevented a coverage dispute?

One endorsement that's proven effective is CG 20 10/CG 20 37 with the additional insured, primary, and noncontributory wording. At PuroClean, we implemented this to ensure that any contractors working on recovery projects were covered without disputes during claims. In one case, a contractor's accident during an active site recovery was fully covered because the clause was clearly defined. This wording eliminated potential coverage friction, ensuring smooth claims handling and protecting both our insured and the client.