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.
And why should you try to avoid one! by | May 19, 2017 | Commercial Insurance, Construction Insurance, Contractors, Contractors Insurance, Handyman Insurance |. For contractors in New York a lot of terms are thrown around related to your insurance, Hammer clause is one of those terms. You should familiarize yourself with it, as having a hammer clause can be extremely costly to your business. In short, a hammer clause related to contractors insurance, is a exclusionary form added to your general liability policy to restrict or eliminate coverage because of the insurance of your sub-contractors. Sometimes the term Sub-Warranty is also used to describe the same thing.