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In some respects, it is hard to believe we have already completed one full quarter of 2011. But when you consider the legislative proposals that have been enacted so far, and additional pending proposals, it’s evident that the insurance industry is well on its way to a very active year.

Regarding enacted legislation, three states in particular stand out. The first is Arkansas, where commercial liability insurance has been in focus. The state’s HB 1439 sought to address some concerns over whether damages caused by faulty workmanship are included in the coverage provided to an insured under a commercial liability insurance policy. Effective 90 days after this session’s adjournment, commercial general liability insurance policies in Arkansas must contain a definition of “occurrence” that includes:

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