Insurance contract review
Review of vendor contracts, lease insurance provisions, school district requirements, additional insured wording, waiver of subrogation requests, primary and noncontributory language, and certificate requirements.
San Francisco insurance attorney and coverage advisor
Diana Motseniat
Attorney at Law focusing on insurance coverage analysis, commercial policy review, specialized liability placements, and contract-driven risk transfer for businesses, nonprofits, contractors, schools, events, and care-based organizations.
- Coverage review
- Contracts, endorsements, exclusions, certificates
- Specialized insurance
- Abuse and molestation, product liability, E&O
- Business risk
- Coverage strategy for complex operations
A practical insurance law practice
Legal judgment for the policies, contracts, and claims language that shape your risk.
Diana works at the intersection of law and commercial insurance. Her practice is built for clients who need clear answers before they sign a contract, issue a certificate, accept an endorsement, buy coverage, or respond to an insurance requirement that does not match the way their business actually operates.
Services
Coverage support for business decisions
Coverage analysis
Plain-English review of policy forms, exclusions, endorsements, limits, deductibles, retroactive dates, claims-made wording, and coverage gaps before a problem becomes a dispute.
Abuse and molestation coverage
Guidance for organizations that supervise, transport, teach, coach, house, or care for minors or vulnerable people and need sexual abuse and molestation coverage aligned with contractual requirements.
Product liability and recall risk
Support for manufacturers, importers, distributors, online sellers, retailers, and food-related businesses reviewing product liability, completed operations, recall, and contractual risk transfer.
Professional liability and E&O
Review of professional liability requirements for consultants, contractors, service providers, wellness businesses, technology vendors, and other businesses where financial loss claims may fall outside general liability.
Insurance requirement negotiation
Help identifying requirements that are unavailable, unnecessarily expensive, internally inconsistent, or not tailored to the actual work, with practical alternatives clients can discuss with contract partners.
Insurance law keywords, written for humans
Insurance counsel for coverage gaps, policy language, and contract requirements.
Businesses often discover insurance problems inside ordinary contracts: an additional insured requirement that is too broad, a waiver of subrogation clause that conflicts with the policy, a sexual abuse and molestation requirement that is excluded or sublimited, or a product liability requirement that does not match the insured operations.
Diana Motseniat Law helps clients read the insurance language before they sign. The practice focuses on commercial insurance contracts, policy interpretation, coverage comparison, general liability endorsements, professional liability requirements, product liability exposure, abuse and molestation coverage, certificates of insurance, and practical negotiation points for risk transfer.
Focus areas
Where Diana’s insurance background is especially useful
Abuse, molestation, and safeguarding exposures
Coverage review for camps, schools, youth programs, fitness and wellness studios, nonprofits, special events, and service providers working with children or vulnerable populations.
Commercial general liability and endorsements
Analysis of additional insured forms, blanket wording, completed operations language, exclusions, contractual liability limitations, and certificate requests.
Contract-driven insurance requirements
Review of leases, vendor agreements, RFPs, facility use agreements, school district requirements, and client-mandated insurance schedules.
Coverage gaps before renewal or purchase
Comparison of expiring policies, proposed quotes, carrier forms, exclusions, and endorsements so clients understand what they are buying.
How it works
A direct review process
- Send the documents. Share the contract, insurance requirements, certificate request, policy, proposal, denial letter, or endorsement language you need reviewed.
- Identify the business context. Diana reviews the documents against your operations, contractual obligations, prior coverage, and the practical availability of coverage in the market.
- Receive clear next steps. You get a focused explanation of issues, missing coverage, negotiation points, and questions to raise with the insurer, broker, client, landlord, or contracting party.
Frequently asked questions
Common insurance coverage questions
What insurance documents can Diana review?
Insurance requirements, vendor contracts, leases, facility use agreements, policy forms, quotes, binders, certificates, endorsements, exclusions, denial letters, additional insured language, waiver of subrogation wording, and primary and noncontributory requirements.
Can Diana help with abuse and molestation coverage requirements?
Yes. Diana reviews sexual abuse and molestation coverage for organizations that work with minors, students, patients, residents, athletes, or other vulnerable populations.
Can she review product liability insurance?
Yes. The services include review of product liability, completed operations, product recall, contractual indemnity, vendor requirements, and insurance gaps for manufacturers, distributors, retailers, importers, and online sellers.
What should I send before calling?
Send the contract or insurance requirements, the current policy or proposal, any certificates or endorsements, the deadline, and a short explanation of the work, product, event, or service that needs coverage.
Contact
Discuss an insurance contract or coverage question.
For the fastest review, include the contract, insurance requirements, current policy or proposal, certificate request, deadlines, and a short description of your operations.