What if you paid for 20 years of coverage—only to come up short?

Amy and Theresa unpack anti-stacking endorsements: the quiet clauses that quietly slash insurance recovery whenclaims span years, policies, or joint ventures. If you think 5+5 equals 10 in insurance, this episode might surprise you.

In this listener-requested episode, you'll learn:

• Why June 1st is peak renewal season—and a prime time for anti-stacking to slip in
• The three key claim types where stacking matters most
• How a single clause can block stacking across years, insurers, or policy lines
• Why multi-year triggers once helped policyholders—and how carriers are reversing that
• The hidden relationship between SIRs (self-insured retentions) and stacking limits
• Why the word “you” might not mean you in your policy—and how that gets used against you

Recorded on Friday the 13th (yes, really), this episode is part policy lesson, part horror story. Amy and Theresaalso reflect on one year of Scandals as they prepare to wrap up Season 1—with one last summer episode to go.

Key Terms Explored:

Anti-Stacking Endorsements, Long-Tail Claims, Joint Ventures, Construction Defects, SIRs vs. Deductibles, Horizontal Exhaustion

Listener Tip:

If your policies involve overlapping coverage, anti-stacking endorsements could quietly shrink your limits. Always read your forms—and never assume coverage stacks the way it should.

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Connect with our hosts: Theresa Guertin & Amy Lamb

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