Insurance Journal

JULY 28, 2025

As data center construction booms across the United States, a pair of legal experts recently said the lack of commercial insurance products customized for data centers present potential pitfalls that could surface if operators aren’t paying close attention to policy …

Commercial Insurance

Distinguished

JUNE 30, 2025

Here are some of the key exposures restaurant insurance can help address for businesses in South Carolina: Kitchen fires: With open flames, hot equipment, and constant activity, restaurant kitchens are a major fire risk. Even small fires can result in expensive property damage and lengthy closures.

Liability

Distinguished

JUNE 30, 2025

Here are some of the key exposures restaurant insurance can help address for businesses in South Carolina: Kitchen fires: With open flames, hot equipment, and constant activity, restaurant kitchens are a major fire risk. Even small fires can result in expensive property damage and lengthy closures.

Liability

Distinguished

FEBRUARY 24, 2025

Whether it is a major fire or foodborne illnesses , restaurants in Charlotte and North Carolina need comprehensive insurance coverage to help them financially recover from unexpected and financially devastating events. General liability insurance: Coverage for legal claims related to customer injuries or property damage.

Liability

Distinguished

MAY 13, 2025

Here is a list of the coverages that many hotels need: General liability : A basic GL policy helps cover claims associated with everyday business activities such as guests falling on premises, damage to guest property, restaurant operations, and accidents related to recreational activities. Fire damage.

Broker

Prof. Allan Manning

FEBRUARY 3, 2025

Some Defined Events policies do not exclude Acts of Terrorism, but the loss or damage would still need to be as a result of a Defined Event. Ie if it involves fire then the damage would all other things be equal, be covered. There are a few Policies with Optional Accidental Damage which do not have an Exclusion.

Policy

The Property Insurance Law Observer

SEPTEMBER 23, 2024

American Guarantee and Liability Insurance Company , the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute “direct physical loss of or damage” to equipment covered under an all-risk property insurance policy. [1]

Damage

Prof. Allan Manning

JULY 29, 2024

A wide range of topics were covered from an update on recent court cases involving general insurance claim decisions, a detailed analysis of the Reasonable Care Condition found in many policies by LMI Legal, lessons learned from business interruption losses by LMI Forensics, issues around storm damage to solar panels by LMI Claims, a detailed run through (..)

Claim

Insurance Journal

OCTOBER 30, 2024

Surgery schedules around the country may be washed out for several more weeks while a crucial IV and sterile fluids factory remains shut down for hurricane-related damage. People often plan non-emergency surgeries in the fall and early-winter months when their …

Damage

Property Insurance Coverage Law

OCTOBER 27, 2024

The recent voluntary dismissal of the Erie COVID-19 Business Interruption Protection Insurance Litigation marks the end of a significant chapter in insurance coverage law.1

Business Interruption

Jackson & Jackson

APRIL 26, 2024

One of the most crucial aspects to consider is commercial property insurance. This guide aims to help new investors understand the basics of commercial property insurance in California, ensuring that their investments are protected against unforeseen events. This is crucial if someone is injured on your property.

Commercial Property

Jackson & Jackson

MAY 22, 2024

Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. This article aims to provide an in-depth overview of ensuring multi-unit commercial properties in California, highlighting key considerations for investors.

Property Insurance

Protect Commercial Insurance

MAY 24, 2024

In this article, we will explore five often overlooked insurance policies that can provide valuable coverage for your business. General Liability Insurance General liability insurance is a fundamental policy that covers your business against claims of bodily injury, property damage, and personal injury.

Insurance Policy

Paragon Independent Insurance Agencies

NOVEMBER 15, 2024

Understanding General Liability Insurance General liability insurance is a must-have for any business. It covers legal expenses and damages related to accidents, injuries, or negligence claims on your business premises. This protection is crucial in safeguarding your company from unexpected legal battles.

Business Insurance

Paragon Independent Insurance Agencies

MAY 27, 2024

These events may include property damage, liability claims from work-related injuries, break-ins, or business interruption. Protection of Business Property Commercial insurance protects all business property, including buildings on the land, equipment in the yard, inventory, and other assets owned by the company.

Commercial Insurance

Protect Commercial Insurance

NOVEMBER 15, 2024

There are several types that cater to different aspects of a business: – Property Insurance : This covers physical assets like buildings, equipment, and inventory against damages. – Liability Insurance : Protects businesses against claims of negligence or harm caused by their products or services.

Commercial Insurance

Mark Jackson Insurance Agency

NOVEMBER 22, 2024

Balancing Coverage and Budget Constraints One significant challenge for seasonal businesses is balancing comprehensive coverage with budget constraints. While your business may only operate for part of the year, risks like property damage, liability claims, or equipment theft don’t follow a calendar.

Business Interruption

Property Insurance Centre

JANUARY 16, 2025

Wales: Coastal communities, including those in the Vale of Glamorgan, have experienced storm surges that inundated local businesses. Flood damage can include physical destruction of property, inventory loss, and business interruption costs, making insurance a vital component of risk management.

Commercial

Protect Commercial Insurance

JULY 26, 2024

Here are a few key areas to consider: Property Insurance Your tailoring business likely has valuable equipment, such as sewing machines, cutting tables, and fabric inventory. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils.

Commercial

Protect Commercial Insurance

NOVEMBER 22, 2024

Long-term Financial Benefits While the upfront cost of commercial insurance might seem high, consider the long-term savings and financial security it provides. Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit.

Commercial Insurance

Risk Management Monitor

JUNE 9, 2023

Over 400 fires have caused roughly 10 million acres of burn damage so far, and have blanketed a wide swath of North America in smoke, creating orange skies and toxic levels of air pollution for communities all the way from Canada to the Southeastern United States.

Business Interruption

Protect Commercial Insurance

NOVEMBER 8, 2024

Understanding Commercial Insurance Commercial insurance is an essential part of safeguarding your business against unforeseen events that could lead to financial loss. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries.

Commercial Insurance

Protect Commercial Insurance

OCTOBER 25, 2024

Familiarising yourself with the various types can help you craft the most effective insurance package: – General Liability Insurance : Covers third-party bodily injury, property damage, and advertising injuries. – Property Insurance : Protects physical assets from perils like fire, theft, and vandalism.

Business Insurance

Protect Commercial Insurance

JANUARY 10, 2025

Enhancing Commercial Property Offerings One major sector that benefits from robust referral partnerships is commercial property insurance. Heres how collaboration can enhance offerings in this field: – Comprehensive Coverage Packages : Partnership allows brokers to provide a full suite of insurance products.

Building

Protect Commercial Insurance

DECEMBER 6, 2024

Climate Change and Environmental Liability Climate change represents another significant risk for businesses in 2025. With more frequent natural disasters like floods and wildfires, companies are increasingly vulnerable to physical damages and operational disruptions.

Commercial Insurance

Protect Commercial Insurance

MAY 30, 2024

In this article, we will explore different types of insurance coverage that can help safeguard your business from property damage, liability claims, cyber threats, and more. Let’s dive in and discover the insurance options that are essential for your business’s protection.

Cyber

Protect Commercial Insurance

MARCH 14, 2025

Introduction Running a business in the UK comes with its set of challenges and responsibilities, one of the most important being safeguarding your companys assets. Commercial property insurance is a key component in this protection, offering a safety net against unexpected disasters.

Commercial Property

Prof. Allan Manning

MARCH 12, 2025

Unlike many organisations where temporary premises can be utilised a distance away from the damaged premises, this was not possible with the facility needing to be within walking distance of the congregation. The other criteria are that the premises are used every day of the week for a wide range of functions.

Claim

Insurance Journal

APRIL 8, 2025

The Ohio River is expected to crest Tuesday night at historically high levels, exacerbating flooding that has already swamped hundreds of homes, businesses and restaurants in Louisville and other parts of Kentucky. While heavy rains have moved on, rivers continue …

Business Interruption