The Property Insurance Law Observer

MARCH 20, 2025

Consequently, the plaintiff was not entitled to indemnity for damage to the property it purported to insure under a commercial property insurance policy. [1] During the policy term, the business claimed that the properties suffered damage caused by a hurricane and submitted a claim to the insurer. Hawley Insurance Co.

Property Damage

American Agents Alliance

JUNE 12, 2025

Read on to learn more about how to avoid coverage gaps that can lead to E&O claims while helping ensure policyholders are protected. How to Avoid Coverage Gaps That Can Lead to E&O Claims When meeting with new clients or existing policyholders at renewal time, be proactive and ask about new risks, exposures, and opportunities.

Claim

Central Insurance

MAY 27, 2025

Learn how the right insurance policies can help protect your packaging business from equipment breakdowns, liability claims, and costly interruptions. The post Protect Your Packaging Business With the Right Insurance appeared first on Central Insurance Blog.

Protection

Mark Jackson Insurance Agency

JUNE 16, 2025

From underinsuring key assets to misunderstanding policy exclusions, commercial insurance missteps can leave your business exposed to financial loss. Choosing the Wrong Deductible It’s tempting to choose a higher deductible to lower your premium, but that can backfire in the event of a claim.

Commercial Insurance

Property Insurance Centre

JUNE 29, 2025

Unoccupied Commercial Property Owners Insurance Specialists, Est. 1976 [link] Listen to What Is Unoccupied Commercial Property Owners Insurance explained by one of our directors What Is Unoccupied Commercial Property Owners Insurance? The insurer will also place some important conditions on the policy that you must comply with.

Commercial Property

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Insurance affordability in Georgia is dwindling as claim frequency and insurer costs soar, according to the latest issue brief from Insurance Information Institute (Triple-I), Trends and Insights: Georgia Insurance Affordability. Injury claim severity in the state is slightly higher than in the rest of the country.

Commercial General Liability

Insurance Journal

JUNE 11, 2025

sued a group of lawyers, medical providers and rideshare drivers it claims staged car accidents, manufactured damages and received unnecessary medical procedures to take advantage of insurance policies in Florida, costing the rideshare giant “several million dollars” … Uber Technologies Inc.

Damage

Property Insurance Centre

FEBRUARY 10, 2025

What Perils Are Covered by Commercial Property Insurance? Commercial property insurance is essential for businesses to protect their assets from unforeseen events. But what exactly does commercial property insurance cover? ” If a peril is explicitly listed in the policy, the insurer will cover the damage it causes.

Commercial Property

Central Insurance

JULY 24, 2025

Explore essential truck driver insurance tips—from choosing the right commercial auto coverage to improving fleet safety and reducing claims. The post Meet Our Large Construction Team: Central Article Roundup appeared first on Central Insurance Blog.

Commercial

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

At Paragon Independent Insurance Agency, we provide businesses in the greater Plano, TX area with various commercial insurance products. So, how do you determine which commercial insurance products will best protect your business? The post How Do You Know What Commercial Insurance Products Your Business May Benefit From?

Commercial Insurance

Top Insurance Blogs

JULY 4, 2025

As fire-related claims continue to pose a serious threat to commercial operations in Australia, insurance experts are urging businesses to elevate their fire prevention strategies.

Risk

Property Insurance Centre

MAY 19, 2025

Commercial Property Owners Insurance Specialists, Est. 1976 [link] Listen to Commercial Property Owners Insurance explained by one of our directors/p> What Is Commercial Property Owners Insurance? Having adequate insurance cover for your Commercial Building is essential. Index Linking What does this mean?

Commercial Property

The Property Insurance Law Observer

MAY 12, 2025

2025), the Ninth Circuit Court of Appeals affirmed the district courts determination that the period of restoration tied to water damage at the insureds commercial property was the theoretical period when repairs should have been completed with reasonable speed, not the actual period of repairs thwarted by extraneous delays.

Commercial Property

Protect Commercial Insurance

MAY 9, 2025

This guide will walk you through the essentials, helping you understand how the right commercial insurance can be your business’s best ally. This type of insurance protects your business from claims made by employees due to workplace injuries or illnesses. That’s where retail shop and salon insurance come into play.

Liability Insurance

Distinguished

MARCH 20, 2025

Rising habitability claims and increased litigation have further shaped insurers policies, making the proactive role of brokers more important than ever. These legal factors are critical when it comes to determining liability in cases where unresolved violations have led to damages or injuries.

Broker

Distinguished

MAY 19, 2025

From kitchen fires and equipment breakdowns to liability claims and utility outages, restaurants operate in an environment where a single incident can lead to costly interruptions or legal exposure. Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability.

Policy

Distinguished

MARCH 20, 2025

And with rising property values, more frequent catastrophic weather events, and emerging risks like habitability claims, its never been more critical to help your clients navigate their insurance options. What Kinds of Claims Get Made in Apartment Buildings As a team, weve seen all kinds of claims related to apartment buildings.

Building

Property Insurance Centre

FEBRUARY 24, 2025

How a Liability Claim Can Ruin Your Business And How to Protect Yourself No matter how well you run your business, a single liability claim can have devastating consequences. The Financial Toll of a Liability Claim A lawsuit can lead to crippling legal expenses, compensation payouts, and increased insurance premiums.

Liability

LexisNexis

JULY 1, 2025

Single-Year, Multi-Year, and Multi-Policy Insurance Coverage Claims Disputes Analyze issues that can arise for policyholders and insurers when insurance policies of various durations are called upon to answer for claims, and when multiple policies can also apply.

Policy

Protect Commercial Insurance

JULY 18, 2025

One of the most common issues we see as commercial insurance and mortgage brokers is liability claims caused by negligence. At Protect Insurance, we’re experienced commercial insurance and mortgage brokers, and we understand the pressures small businesses face. But what does negligence actually mean? That’s where we can help.

Liability

Shield Insurance Agency

JUNE 19, 2025

Business insurance protects you/your business against various risks and potential financial losses that can arise from unexpected events or claims.

Business Insurance

Protect Commercial Insurance

JUNE 20, 2025

Office insurance is a form of commercial insurance that provides protection for businesses operating from office spaces. – Public Liability Insurance : Protects against claims made by third parties for injuries or damages occurring on your office premises. What is Office Insurance?

Protection

Distinguished

MAY 6, 2025

Loss history and risk management: Prior claims and safety measures influence pricing. Specialized claims handling: Claims are managed by Synergy Adjusting Corporation, a third-party administrator specializing in inland marine claims for efficient, expert resolution. How are claims handled? Do you handle billing?

Inland Marine Insurance

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. Key policies to review and update include: Commercial Property Insurance to protect your new location against physical damage from fire, vandalism, theft, or natural disasters.

Workers Compensation

Zywave

MAY 15, 2025

Certain types of non-complex commercial insurance are also in scope. Particular attention should be paid to the post-purchase experience to ensure that consumers understand what theyve bought and who to contact to amend the policy or make a claim. The relevance of the product also needs to be clearly communicated to consumers.

Broker

Agency Height

JULY 31, 2025

Location and neighborhood claims history play a major role in rate calculations. Imagine this : You’ve done everything right, kept up with your home maintenance, paid your insurance premiums on time, never filed a claim. No damage to your home, no claims filed… and yet, your home insurance premium goes up at renewal.

Premium

American Agents Alliance

APRIL 3, 2025

The Relationship Between Tariffs and Insurance Costs Rising tariffs could impact many different lines of business, but some experts have narrowed their focus to the effects on homeowners and auto (both personal and commercial). This drives up the cost to repair, impacting claims costs.

Agents

Distinguished

JUNE 2, 2025

For Ohio landlords, these aren’t one-off anomalies — they’re routine claims that happen across Cleveland, Columbus, and Cincinnati every year. Harsh winters, severe storms, aging infrastructure, and liability claims can all turn a profitable property into a financial setback without proper insurance.

Liability

LexisNexis

JULY 22, 2025

ISO Form CG 00 65 04 13 (Commercial General Liability - Electronic Data Liability Coverage Form) Dive into the Insurance Services Office (ISO) form addressing an insurer’s payment of the sums an insured becomes legally obligated to pay as damages because of "loss of electronic data" to which the insurance applies.

Insurance Policy

TGS

JUNE 18, 2025

In fact, many homeowners assume they’re covered… until a guest damages their property or gets hurt, and the claim gets denied. Always ask your insurance provider what qualifies as “occasional” versus “commercial use.” The answer isn’t always simple. What Kind of Insurance Do I Need for Vacation Rentals? Here are the options: 1.

Home Insurance

Prof. Allan Manning

JANUARY 29, 2025

Last week I posted an article in regard to terrorism coverage under commercial property, and/or business interruption policies. I also touched on commercial liability coverage. This timeline may be disrupted as I am scheduled to go to Vanuatu to assist with earthquake claims next week.

Policy

Cowbell

JUNE 30, 2025

Over the past quarter, Cowbell has redefined the pace and potential of innovation in commercial insurance. This dual-channel innovation sets a new standard for digital distribution across commercial P&C lines. In this environment, the need for a unified, global approach to commercial insurance has never been greater.

Cyber

LexisNexis

JULY 29, 2025

If you ask an insurance carrier or a civil defense attorney, they may tell you that “social inflation” in lawsuit damages makes each claim harder than ever to evaluate. Robust litigation data, exclusively available through Lex Machina, indicate that damage awards for certain civil claims have indeed grown substantially in recent years.

Damage

Distinguished

JUNE 16, 2025

Unlike standard homeowners or commercial policies, harp insurance recognizes the true financial and historical value of these instruments — and the specialized care they require if something goes wrong. Why Do Harps Need Specialized Insurance? Here’s how to get started: Get appointed with Distinguished if you haven’t already done so.

Protection

Distinguished

JUNE 16, 2025

Unlike standard homeowners or commercial policies, harp insurance recognizes the true financial and historical value of these instruments — and the specialized care they require if something goes wrong. Why Do Harps Need Specialized Insurance? Here’s how to get started: Get appointed with Distinguished if you haven’t already done so.

Protection

Distinguished

APRIL 9, 2025

Unlike agents or brokers, MGAs can bind coverage, price policies, and handle claims they essentially act as an extension of an insurer. Specialization: Brokers typically offer a broad range of standard insurance products, while MGAs specialize in niche markets like cyber liability, HOA insurance, and high-risk commercial properties.

Agents

Agency Revolution

FEBRUARY 13, 2025

I have built an entire agency around Direct Mail campaigns to commercial prospects. This agency, for example, built its business by sending direct mail to a niche market in the commercial space, and it worked well. By having a strategy like this, you can replicate this success by targeting specific audiences that fit your niche.

Insurance Agency