Protect Commercial Insurance

APRIL 11, 2025

For UK business owners, the rapid pace of commerce and unpredictable weather patterns make this type of insurance a wise investment. Having coverage structured according to your specific needs and risks is not just a precautionit’s a powerful business strategy. Not every potential risk is covered under a standard policy.

Commercial Property

Protect Commercial Insurance

JUNE 20, 2025

Essentially, it covers a variety of risks associated with office environments, aiming to protect both physical assets and financial interests. – Business Interruption Insurance : Offers financial support to cover loss of income during unforeseen events that halt business operations.

Protection

Protect Commercial Insurance

MAY 9, 2025

Introduction Hello, savvy UK business owners! Owning a retail shop or salon can be a thrilling venture, but it also comes with its fair share of risks. From unforeseen damage to potential customer mishaps, there’s a lot to consider to keep your business running smoothly.

Liability Insurance

Simply Insurance

JUNE 14, 2025

Larger companies or those in high-risk industries may face higher premiums. Cyber Insurance Rates By Industry Risk How Much Is Incident Response in Cyber Insurance a Month? The cost can vary based on your industry and risk level. Larger companies often face higher premiums due to increased risk exposure.

Insurance Quotes

Mark Jackson Insurance Agency

MARCH 19, 2025

Brick commercial office building by Binyamin Mellish Expanding your business to a new location is an exciting step toward growth, but it also introduces new risks. From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical.

Workers Compensation

Property Insurance Centre

FEBRUARY 10, 2025

#Video Common Perils Covered by Commercial Property Insurance Most commercial property insurance policies cover a broad range of risks, often referred to as “named perils.” Some policies, however, offer “all-risk” coverage, which protects against all perils except those specifically excluded.

Commercial Property

ProWriters

JULY 16, 2025

But cyber criminals do target businesses of all sizes—and smaller businesses tend to suffer from the fallout the most. Why Small Businesses Often Run Big Cyber Risks A small-business owner might assume their company’s size works to their advantage in avoiding cyber incidents.

Cyber

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

Cowbell

MAY 29, 2025

During Internet Safety Month, Cowbell encourages all businesses to take tangible steps to strengthen this resilience. MFA reduces the risk of unauthorized access by over 99.9%. Cybersecurity training reduces risk and saves money. 7 Steps to Build Cyber Resilience 1.

Cyber

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. Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks.

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. Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks.

Liability

ProWriters

JULY 30, 2025

Why Retail Cyber Attacks Pose a Major Threat Whether they operate physical stores, online stores, or both, no retail organization is immune to cyber risk. The Difference Cyber Insurance for Retail Can Make Strong retailer cyber security involves doing several things to mitigate and manage risk.

Cyber

Distinguished

FEBRUARY 24, 2025

In this guide, well break down how Distinguisheds restaurant insurance addresses the specific risks faced by Charlottes restaurant owners. From understanding local exposures to leveraging tailored package policies, youll gain the insider knowledge needed to win your clients trust and business.

Liability

Distinguished

MAY 13, 2025

With limits up to $105 million and a streamlined online submission process, its a fast, flexible solution for qualifying risks. One of the most common and costly risks? Imagine a guest uses a faulty phone charger in a room unattended or someone forgets to turn off the clothes iron before rushing to a business meeting.

Broker

Prof. Allan Manning

MARCH 4, 2025

Having attended every major natural catastrophe as LMI since 1999, both LMI Group and Aequum Adjusters have activated their respective Catastrophe Response plans putting in place the resources required to respond to the expected claims from Cyclone Alfred.

Insurance Broker

Top Insurance Blogs

APRIL 20, 2025

In the ever-growing e-commerce sector, securing appropriate insurance is vital for any online business in Germany to mitigate risks. This guide will handle all the essential insurance […] The post How Insurance Works for E-commerce Businesses in Germany appeared first on My Top Insurance Blogs.

License

Insurance Journal

APRIL 29, 2025

It’s a worst case scenario that grid operators plan for but hope never to encounter. After one of the worst blackouts in Europe in more than a decade, electricity grid operators in Spain and Portugal are trying to get networks …

Business Interruption

Prof. Allan Manning

FEBRUARY 3, 2025

If a terrorist attack involves any of the examples listed, then it is likely to be well beyond the capacity of private enterprise and is really a political risk best addressed by government. This to me is quite a fair approach by the insurers involved.

Policy

Insurance Journal

JULY 3, 2025

A fire that shut London’s Heathrow airport in March, stranding thousands of people, was caused by the UK power grid’s failure to maintain an electricity substation, an official report said on Wednesday, prompting the energy watchdog to open a probe.

Business Interruption

Insurance Journal

JANUARY 15, 2025

Cyber, business interruption and natural catastrophes are the top three risks that concern global businesses, according to the Allianz Risk Barometer 2025. Cyber incidents, such as ransomware attacks, data breaches and IT outages, is the top global risk for 2025, …

Business Interruption

Insurance Journal

JUNE 19, 2025

California utilities are mulling power shutdowns as breezy dry conditions across the state raise the risk of wildfires. Pacific Gas & Electric Corp. may turn off power to at least 11,543 customers in 15 counties, according to its website. Southern …

Risk

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

Prof. Allan Manning

FEBRUARY 24, 2024

L oss Management International (Post loss Claims Preparation and Loss Adjusting) , Risk Management International (Pre Loss policy program reviews and business interruption sum insured reviews), and Claims Management International (Post Loss Third Party Administration services) based in Melbourne, Australia.

Business Interruption

Insurance Journal

MAY 13, 2025

PJM Interconnection LLC, the largest US electric grid serving about 20% of Americans from the Midwest to East Coast, warned that extreme heat this summer could trigger supply shortages for the first time. While PJM expects to have enough power …

Risk

Prof. Allan Manning

MARCH 5, 2024

The reality is that Lithium batteries are in many items today and we need to personally manage the risk. Earlier this year, I went to the LMI College and LMI RiskCoach teams and asked if they could put together a short course on the risks associated with the batteries.

Risk

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

FEBRUARY 24, 2023

A number of pre loss services are also provided by the LMI Group, including Business Interruption Sum Insured Reviews, Policy Drafting, Insurance Program Reviews, Risk Surveys, and Risk Engineering Services along with Business Continuity Management Services, and Cyber Security Reviews.

Insurance Industry

Risk Management Monitor

AUGUST 30, 2021

Ida has now weakened to a tropical storm and will continue to cut through the south before making its way across much of the East Coast, bringing significant risks of wind, rain and inland flooding throughout this week. Be sure to assess your risk and execute the appropriate steps to protect your business, property and employees.

Risk

Triple-I: Business Insurance

APRIL 24, 2023

In a recent interview with Triple-I CEO Sean Kevelighan, Harger discussed the importance of preparing for and preventing damage from this risk, which is second only to flooding when it comes to costly weather events. When installed properly, lightning protection systems are scientifically proven to mitigate the risks of a lightning strike.”

Risk

Distinguished

OCTOBER 30, 2024

Builder’s Risk insurance is critical for residential and commercial construction projects, as it covers the property during construction or renovation. In some cases, commercial projects may require additional coverage, such as loss of rental income, business interruption costs, and extra expenses if the completion of the project is delayed.

Commercial

Risk Management Monitor

MARCH 3, 2022

In a briefing yesterday, global risk consultancy Control Risks discussed some of the risk management considerations and steps companies need to take as the sanctions landscape continues to evolve. What risks are you exposed to? Companies will need to remain vigilant in order to stay ahead of the risks.

Risk

ProWriters

OCTOBER 2, 2024

Helping your clients understand cyber risks and Cyber Insurance policy jargon can be challenging. Ransomware Cyber Attack Showing Personal Files Encrypted Screen Every organization has unique risks and exposures, and there is no single solution for Cyber Insurance. Any business connected to a digital network risks costly cyber attacks.

Cyber

Protect Commercial Insurance

MAY 24, 2024

As a business owner, it’s crucial to protect your business from potential risks and liabilities. In this article, we will explore five often overlooked insurance policies that can provide valuable coverage for your business.

Insurance Policy

Risk Management Monitor

JUNE 13, 2023

Normal 0 false false false EN-US X-NONE X-NONE Normal 0 false false false EN-US X-NONE X-NONE As the hurricane season gets underway, the following tips can help businesses update and strengthen natural disaster recovery plans: Review your business interruption insurance. Update your current disaster recovery plan.

Business Interruption

Insurance Journal

OCTOBER 10, 2024

The global economy could be exposed to losses of US$14.5 trillion over a five-year period from the threat of a hypothetical geopolitical conflict causing widespread disruption to global trade patterns and supply chains, according to a report published by Lloyd’s, …

Business Interruption

Insurance Journal

JUNE 24, 2025

Google had a pretty bad day recently. The kind of day that would make Spotify stop singing, Discord and Snapchat go quiet, and give retailer Marks & Spencer a panic attack. Because too many companies are leaning on a …

Business Interruption

Cowbell

SEPTEMBER 23, 2024

The goal is to raise awareness of the risks posed by ‘insiders,’ and provide strategies, tools, and resources to identify and mitigate these threats. At Cowbell, we work with our agency partners and brokers to help educate our clients on emerging and evolving cyber risks and the enemy within can present a very real threat.

Cyber