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

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

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. A critical component of property insurance for restaurants is business income coverage.

Policy

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

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

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

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

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

Agency Revolution

JULY 2, 2025

The newest interactive graphic we created is for Commercial Property Insurance. Newest Clickable Coverage® Release: Commercial Property Check out our latest Clickable Coverage® interactive graphic, designed to engage and educate clients and prospects alike on Commercial Property Insurance in an easy-to-understand way.

Commercial Property

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

LexisNexis

MAY 28, 2025

Learn about response strategies for coverage counsel to consider as insurers brace for litigation and policyholders prepare to push back on denied claims.

Commercial Property

Property Insurance Centre

JANUARY 30, 2025

If you’re unsure, consult a broker or insurer experienced in property management to ensure you’re fully protected. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership.

Property Insurance

Property Insurance Centre

MARCH 11, 2025

Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. Letting you give your eyes a break!!

Risk

Property Insurance Centre

MARCH 21, 2025

Affordable Premiums Compared to London, But Rising Generally, insurance premiums in Manchester are more affordable than in the capital due to lower rebuild costs and property values. However, with property prices on the rise and increasing claims related to climate events and fire risks, premiums are also going up.

Premium

Distinguished

JUNE 16, 2025

HOA insurance typically includes coverage for property damages, crime, and liability suits to common areas like: Rec rooms Pools Clubhouses Walkways Stairways Tennis courts Here’s a breakdown of the core coverages an HOA needs.  defamation or discrimination claims). past directors) or all suits (i.e.,

Liability

Property Insurance Centre

MAY 2, 2025

The additional premium could be as little as 25 and can give up to 250,000 worth of cover for any one claim. Many insurers will require a fully maintained theft alarm with evidence of annual servicing in the event of a claim for theft, for example. Fire Cover : Fire cover is standard cover.

Insurance

Property Insurance Centre

JANUARY 27, 2025

We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you.

Building

Property Insurance Centre

JUNE 5, 2025

Note, trace & access is only payable when there is a valid claim or leak. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. The cost of which cant be reclaimed if a floor is ripped up to find there is no leak!

Insurance

Property Insurance Centre

JULY 14, 2025

Here are your options: Communicate early with your tenant—are they having issues with their claim? If you’re renting to tenants who claim UC, make sure you understand the system, know your rights, and are ready to act if the rent doesn’t arrive. What Should You Do If Rent Isn’t Coming In? Have they updated their rental info?

Property Insurance

Insurance Journal

OCTOBER 16, 2024

The Pennsylvania Supreme Court has let stand a state appeals court ruling that tackled for the first time what is meant by “your computers” under electronic data coverage in a commercial property policy. The case involves claims by Bible video …

Commercial Property

Bankers Insurance

AUGUST 8, 2024

THE IMPORTANCE OF ACCURATE VALUATION IN COMMERCIAL PROPERTY INSURANCE When purchasing or renewing commercial property insurance , it’s important for businesses to ensure their coverage includes correct property valuations. Additionally, property undervaluation can result in coinsurance penalties. inflation).

Commercial Property

Central Insurance

JULY 25, 2024

LRO insurance provides comprehensive protection against commercial property damage, liability claims, and income loss. In this article, we explore the key differences between LRO and general liability insurance and why commercial landlords need to have this coverage. The post What is LRO Insurance?

General Liability

Protect Commercial Insurance

OCTOBER 11, 2024

Introduction Climate change isn’t just an environmental buzzword; it’s rapidly becoming a pivotal factor in the world of insurance, especially for commercial properties. These disasters cause exponential damage to commercial properties. Parametric insurance, for instance, is gaining traction.

Commercial Property

Jackson & Jackson

APRIL 26, 2024

Investing in commercial property in California can be a lucrative venture, but it also comes with its unique set of risks and responsibilities. One of the most crucial aspects to consider is commercial property insurance. This is crucial if someone is injured on your property.

Commercial Property

Property Insurance Centre

AUGUST 12, 2024

Automatic Fire Alarms in Commercial Properties New Rules 2024 As of October 2024 the London Fire Brigade will cease to attend alarms at commercial properties between the hours of 7am & 8:30 pm. It has been found that 99% of alarms at commercial properties are, in fact, false alarms and take up significant resources.

Commercial Property

Jackson & Jackson

APRIL 10, 2024

Investing in commercial property is a significant step for any entrepreneur or business entity. Insurance plays a pivotal role in safeguarding your property and your financial future. Here are five critical considerations you should keep in mind regarding insurance when buying or investing in commercial property.

Commercial Property

Jackson & Jackson

APRIL 29, 2024

Commercial property insurance is a significant expense for property investors and owners. This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments.

Commercial Property

Risk Management Monitor

AUGUST 9, 2022

As companies assess their natural disaster preparedness, there are some proactive measures that should be taken specifically for hail to leave organizations best positioned for any resulting insurance claims. Let’s say you operate a business in Plano, Texas, and have a commercial property policy with a renewal date of January 1, 2022.

Damage

Property Insurance Centre

JANUARY 16, 2025

Understanding Commercial Flood Insurance in the United Kingdom Flooding has become an increasingly significant risk for businesses across the United Kingdom as climate change intensifies weather extremes. This article explores the intricacies of commercial flood insurance in the UK, highlighting regional variations, challenges, and solutions.

Commercial

The Property Insurance Law Observer

AUGUST 22, 2024

2024), the District Court of Massachusetts found that “collapse” provisions within a commercial property policy were ambiguous where a floor merely sagged without completely falling to the ground. This prompted the insured to submit a claim. During the policy period, the insured’s floor “sunk” between eight to 12 inches.

Building

Protect Commercial Insurance

NOVEMBER 22, 2024

Introduction Navigating the world of commercial insurance can feel a bit like wandering through a maze, with myths lurking around every corner. Myth 1: “Commercial Insurance is Too Expensive” Image courtesy: Unsplash Understanding the Costs Many businesses fear that commercial insurance will break the bank, but this myth needs debunking.

Commercial Insurance

Jackson & Jackson

MAY 22, 2024

Multi-unit commercial properties in California offer investors the potential for significant returns. Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. It covers property damage, loss of income, liability claims, etc.

Property Insurance

Protect Commercial Insurance

DECEMBER 6, 2024

Introduction The world of commercial insurance is constantly evolving, adapting to meet the changing needs of businesses. Whether you’re a small business owner, an industry leader, or just curious about the future, understanding these key trends will be essential in navigating the commercial insurance world.

Commercial Insurance

Distinguished

AUGUST 27, 2024

NEW YORK – Distinguished Programs (“Distinguished”), a national insurance program manager , is pleased to announce the appointment of Ashley Mehyo as Vice President of Claims for its Fine Art and Collectibles program. In her new role, Ashley will lead all aspects of the claims function for the Fine Art and Collectibles insurance group.

Claim

Property Insurance Centre

JULY 21, 2024

Our Claims Partner, Aspray, Wins Loss Assessor of the Year 2024 We are delighted but not surprised to announce that our claims partner, Aspray, has won the prestigious “Loss Assessor of the Year 2024” award at the British Claims Awards.

Claim

Risk Management Monitor

NOVEMBER 8, 2021

One of the first steps in obtaining commercial property insurance is to determine the value of the property being insured. The reported property value will drive premium amounts and, importantly, represents the property loss exposure. The accuracy of this approach will diminish over time.

Commercial Property

Protect Commercial Insurance

MAY 24, 2024

General Liability Insurance General liability insurance is a fundamental policy that covers your business against claims of bodily injury, property damage, and personal injury. Additionally, general liability insurance typically does not cover claims related to professional services or cyber incidents.

Insurance Policy