Distinguished

JUNE 30, 2025

Over-serving patrons can lead to accidents, injuries, or property damage, exposing restaurants to legal claims. This includes common risks like theft or fire damage but also more niche coverages like food spoilage and cyber liability. Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks.

Liability

Distinguished

FEBRUARY 24, 2025

Slip-and-fall incidents: High foot traffic in dining areas and restrooms increases the risk of customer or employee injuries, which can lead to costly liability claims. Employee-related risks: Claims of wrongful termination, discrimination, or harassment can arise, particularly in high-turnover environments like restaurants.

Liability

Distinguished

APRIL 21, 2025

However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. General liability: Protects against tenant or visitor injuries, legal claims, and medical expenses. Crime insurance: Safeguards against theft, fraud, and vandalism.

Broker

Distinguished

APRIL 29, 2025

Without the right safeguards in place, landlords could face significant financial losses from damages, legal claims, or lost rental income. Crime insurance: Covers financial losses from theft or vandalism. Employee liability coverage: Protects against claims related to on-site staff.

Liability

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. Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you.

Risk

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.  Specifically, it covers instances of employee theft, forgery, computer & funds transfers fraud, and more.

Liability

LexisNexis

MAY 13, 2025

PLURIBUS NEWS , LEXISNEXIS STATE NET) Genetic Data Theft Bill Nears Passage in AL The Alabama Senates Judiciary Committee approved a bill ( HB 449 ), already passed by the House, that would make it a crime to transfer someones genetic material or genetic information to another party without the individuals consent.

Theft

Freeway Insurance

OCTOBER 26, 2023

Insurance companies take into account things like traffic, crime, frequency of accidents and even the weather. So if you live in a city with a lot of traffic or in an area with more crime, your insurance may cost more than if you live in a quieter, safer place. Why Will I Pay More for My Car Insurance If I Live in an Urban Environment?

Crime

TGS

OCTOBER 3, 2024

Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. These features reduce the risk of significant damage or theft, meaning less risk for the insurance company. Claims History Both your personal claims history and the history of claims in your area can impact your premium.

Premium

Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Professional Liability Insurance: Also known as Errors and Omissions Insurance, this covers businesses against claims of negligence or harm resulting from professional services.

Commercial Insurance

TGS

OCTOBER 25, 2024

Every year your home grows older, it becomes more prone to issues such as plumbing leaks, electrical faults, or roof damage—all of which can lead to costly insurance claims. Insurance companies take this aging process into account when assessing risk, and as your home’s structure and systems age, the likelihood of a claim increases.

Home Insurance

Property Insurance Centre

MAY 20, 2024

Consequences of Underinsurance In the event of a claim on the block insurance policy , the insurer or its appointed loss adjuster may check to see that the Declared Value is adequate. This could mean that if the property is insured for 50% of its correct rebuilding cost, the insurer only pays 50% of the claimed amount.

Building

Distinguished

SEPTEMBER 10, 2024

This includes damages that arise from: Fires Theft Vandalism Weather events We are also proud to offer coverages beyond property damage for buildings, temporary structures, and building materials. Our program also offers your clients general liability insurance, which can help cover legal costs that can occur on work sites. 

Risk

Risk Management Monitor

MAY 17, 2021

The payments are an easy target for cybercriminals as hackers and cyber gangs around the world have started to file unemployment claims use stolen identities. Some criminals claim benefits in the names of dead or incarcerated people, while others set up shell companies, “hiring and firing” fictitious employees to collect payments.

Claim

Risk Management Monitor

OCTOBER 25, 2022

The insurance industry has already seen several supply chain and inflation-driven Security Class Action claims. Various companies have made claims as a result of challenged financials in the wake of strong inflationary and supply chain/labor impact. Both impact the bottom line.

Risk

Distinguished

MARCH 25, 2025

This kind of coverage ensures each piece is protected at its full appraised value and accounts for risks unique to collectible decoys, such as accidental damage, theft, and environmental factors like humidity and warping. A standard homeowner’s or renter’s policy isnt enough. Ready to get started?

Deductible

Distinguished

JUNE 2, 2025

For Ohio landlords, these arent one-off anomalies theyre 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