You would quickly realize how idiotic it is to touch molten rock. First you would need to get to the lava, which would completely be dependent on the wind. If it's blowing to your front, you won't get very close, if it's blowing to your back, then fair will have it that you'll be successful in touching lava.
A full hammer clause informs the insured that if the insured goes against the carrierâs settlement recommendation, that they will be liable for all defense costs and settlement over the dollar amount the claim could have settled the claim.
This is something not yet seen in the restoration contractor class of business and has caused us some concern as the vast majority of carriers in this class of business do not have hammer clauses. The hammer clause is usually found in many types of professional liability and directors & officerâs liability policies.