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 130

Damage Business Interruption Property Damage Policy 130

Boyle Agency Insurance

FEBRUARY 3, 2025

Contact your insurance provider to discuss adjusting your policy to cover the updated value of your property. Failing to do so could leave your home underinsured in the event of a claim. It provides coverage for property damage and theft of building materials during the renovation process.

Home Insurance 45

Home Insurance Theft License Insurer 45

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

It helps cover accidents, repairs, and liability claims, ensuring your business isn’t financially burdened by unexpected incidents. Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations.

Commercial Insurance 40

Commercial Insurance Commercial Insurance Agency General Liability 40

Protect Commercial Insurance

SEPTEMBER 20, 2024

Introduction to Liability Insurance for UK Tradespeople and Contractors If you’re a tradesperson or contractor in the UK, navigating the world of liability insurance can seem a bit daunting. Whether you’re fitting kitchens or fixing roofs, liability insurance provides a safety net.

Liability Insurance 52

Liability Insurance Liability Insurer Insurance 52

Scott Insurance

FEBRUARY 19, 2025

Rehabs expose developers to heightened risks and, subsequently, higher insurance costs due to the complexities of simultaneously managing the property being rehabbed and the existing structures, e.g. any property not under construction (whether occupied or unoccupied). Is my legal entity named on my contractors liability policy?

Underwriting 52

Underwriting Underwriter Insurer Insurance 52

Jackson & Jackson

JANUARY 10, 2024

In California’s vibrant technology sector, understanding the scope of your Cyber Liability Insurance and Data Breach Coverage is as crucial as having the coverage itself. The Gaps in Cyber Insurance: Cyber Liability Insurance and Data Breach Coverage are designed to protect against various cyber threats, but they have limitations.

Liability Insurance 52

Liability Insurance Cyber Liability Property Damage 52

Freeway Insurance

JANUARY 3, 2025

In 2025, California implemented significant changes to auto insurance minimum liability limits due to Senate Bill 1107. The current average cost of an annual car insurance quote in California for minimum required liability is $670 for minimum required liability*. This is expected to rise to more than $1,000 starting in January.

Auto Insurance 98

Auto Insurance Premium Liability Insurer 98

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 52

Claim Property Damage Building Property Insurance 52

Protect Commercial Insurance

MAY 24, 2024

As a business owner, it’s crucial to protect your business from potential risks and liabilities. While you may have the basic insurance policies in place, such as property and general liability insurance, there are several other essential insurance policies that you might be overlooking.

Insurance Policy 52

Insurance Policy Protection Policy Business Interruption 52

ProWriters

APRIL 3, 2024

Both types of policies involve legal liabilities and are important. Understanding E&O Insurance Errors and Omissions (E&O) Insurance is liability coverage protecting professionals against claims for negligence, errors, or mistakes made in the course of their work. E&O is a subset of Professional Liability Insurance.

Liability 52

Liability Cyber Claim Policy 52

Scott Insurance

JANUARY 28, 2022

While insurance coverage is typically relied upon for many property-related losses, there remains a disconnect about how mold claims are often handled by the insurance industry. In some situations, property policies might give a sub-limit to help with remediation costs.

General Liability 52

General Liability Deductible Liability Property Damage 52

LexisNexis

JANUARY 28, 2025

Learn about discovery and coverage issues and cases involving damages to construction projects and the ways to prove who was at fault. Read now » Related Content Design and Construction Defect Claims: Overview and Defense Strategies Discover the basics of a defect claim against a designer or contractor.

Commercial General Liability 40

Commercial General Liability General Liability Property Damage Injury 40

LexisNexis

JANUARY 28, 2025

Learn about discovery and coverage issues and cases involving damages to construction projects and the ways to prove who was at fault. Read now » Related Content Design and Construction Defect Claims: Overview and Defense Strategies Discover the basics of a defect claim against a designer or contractor.

Commercial General Liability 40

Commercial General Liability General Liability Property Damage Injury 40

Paragon Independent Insurance Agencies

MAY 27, 2024

Commercial insurance is vital for protecting business property, assets, and operations from various risks and liabilities around Plano, TX. These events may include property damage, liability claims from work-related injuries, break-ins, or business interruption.

Commercial Insurance 40

Commercial Insurance Commercial Protection Business Interruption 40

Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. The homeowners insurance market is complicated and dynamic, and many policyholders have experienced increased rates in recent years despite no changes to their coverage or claims filed. Reduce liability risks.

Home Insurance 52

Home Insurance Policyholder Insurer Insurance 52

Jackson & Jackson

NOVEMBER 16, 2024

Professional Liability Insurance (Errors & Omissions Insurance) For IT consultants, developers, or tech startups, mistakes can happen. Professional Liability Insurance protects your business against claims of negligence, errors, or omissions that result in financial losses for your clients.

Insurance Policy 52

Insurance Policy Policy General Liability Workers Compensation Insurance 52

Mark Jackson Insurance Agency

NOVEMBER 22, 2024

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. If you rely on expensive equipment, such as snowplows, food trucks, or heavy machinery, comprehensive coverage that protects against damage and theft is crucial year-round.

Business Interruption 52

Business Interruption Theft Liability Insurer 52

TGS

NOVEMBER 18, 2024

The no-fault system was designed to streamline the claims process, reduce the burden on courts, and ensure that accident victims receive compensation more quickly. Think about it—if your insurance is responsible for your expenses regardless of fault, you’re not stuck waiting for an at-fault driver’s insurance to approve or deny your claim.

Injury 52

Injury Auto Insurance Damage Property Damage 52

Cover4LetProperty

OCTOBER 9, 2022

Let’s see how you can get the broadest possible cover at times like these by taking a look at those elements that might be included as standard items for your particular landlord insurance policy or which may be available as extras or add-ons: Loss of rental income your buy to let property is a business investment that relies on the steady income stream (..)

Liability 52

Liability Insurer Insurance Insured 52

Protect Commercial Insurance

NOVEMBER 22, 2024

Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. Some protect against property damage, while others focus more on liability issues. Thanks to technological advancements, the claims process has become much more streamlined and user-friendly.

Commercial Insurance 52

Commercial Insurance Commercial Cyber Insurer 52

Distinguished

SEPTEMBER 25, 2024

Property damage : Damages to the building that is being constructed or renovated. Equipment : Covers damages to or theft of equipment used on the job site. Premises liability claims : Legal expenses and liability coverage related to any injuries, including trips and falls, that occur on the site.

Risk 52

Risk Broker-Agent Insurer Insurance 52

LexisNexis

FEBRUARY 4, 2025

Learn about issues that can arise for insureds and insurers when insurance policies of various durations are called upon to answer for claims and when multiple insurance policies may also apply. Practical Guidance Updates Featuring the latest updates from your Practical Guidance account.

Policy 40

Policy Commercial General Liability Injury Damage 40

Jackson & Jackson

APRIL 26, 2024

Key Coverages for California Property Investors Property Damage : Covers damage to your buildings and contents caused by fire, theft, vandalism, and natural disasters. Liability Protection : Protects against claims of property damage or personal injury caused by you or your operations.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. General Liability Insurance General liability insurance is essential for any business, including tailors.

Commercial 52

Commercial Insurance Broker General Liability Broker 52

Protect Commercial Insurance

OCTOBER 25, 2024

– Is there a high level of professional liability in your operations? – Potential deductibles and what’s financially viable if you need to make a claim. – Property Insurance : Protects physical assets from perils like fire, theft, and vandalism. – Product Liability Insurance if you manufacture products.

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Unlike standard home insurance, which is tailored for owner-occupied homes, landlord insurance is crafted to address risks associated with renting out your property. Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks.

Home Insurance 52

Home Insurance Out-Of-Pocket Insurer Insurance 52

Property Insurance Centre

JANUARY 4, 2024

Unpredictable weather events and the rise in natural catastrophes pose significant challenges for the property insurance industry. Insureds are facing substantial property losses, leading to increased financial burdens. Furthermore, underinsurance can result in delayed or denied claims, leaving property owners in a difficult situation.

Property Insurance 52

Property Insurance Commercial Property Liability Insurer 52

Cover4LetProperty

JANUARY 29, 2024

Risk is assessed with respect to the likelihood of loss or damage leading the insured to make a claim, since the settlement of claims paid out to the insured represent a liability for the insurer. If there is an increase in claims or changes in risk factors, insurance premiums may adjust accordingly.

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Cover4LetProperty

DECEMBER 1, 2023

Covered risks Home insurance: Typically covers the structure of the home, contents, personal possessions, and liability for the homeowner. Loss of rent Home insurance: Generally does not include protection for loss of rental income, as it is not designed for rental properties. fire, flood) and tenants are unable to occupy the premises.

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations.

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

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 52

Risk General Liability Broker-Agent Insurer 52

Hunton Andrews Kurth

JULY 20, 2023

As reported on Hunton’s Insurance Recovery Blog , the Fifth Circuit recently held that Blue Bell Creameries’ commercial general liability (CGL) insurers do not have a duty to defend the ice cream company in a shareholder lawsuit, which arose from a Listeria outbreak. In any event, the ruling is a mixed bag for policyholders.

Commercial General Liability 40

Commercial General Liability General Liability Injury Property Damage 40

Jackson & Jackson

MAY 22, 2024

. “Understanding Multi-Family Property Insurance” Commercial property insurance is a vital safeguard for property owners, protecting their assets against various risks. It covers property damage, loss of income, liability claims, etc.

Property Insurance 52

Property Insurance Commercial Property Commercial Insurer 52

Property Insurance Centre

MARCH 19, 2024

Consumer education ensures that individuals are prepared and protected with the proper insurance coverage and are knowledgeable about the claims process. It empowers individuals to navigate the claims process effectively and avoid insurance scams. May experience difficulties and delays when making claims due to lack of understanding.

Property Insurance 52

Property Insurance Policyholder Insurer Insurance 52

Cover4LetProperty

JANUARY 2, 2024

If the property is going to be occupied by tenants and you are earning an income from the rent they pay, purpose designed landlord or buy to let insurance is required. Not only is standard home insurance insufficient, but if you rely upon it for a let property, any claim may be rejected by your insurer.

Liability 52

Liability Damage Home Insurance Building 52

TGS

NOVEMBER 1, 2024

Knowing exactly what to do after a car accident can make all the difference in ensuring a smooth claims process, protecting your rights, and, most importantly, keeping everyone safe. In many states, you’re required to file a police report for accidents that involve injuries or significant property damage.

Injury 52

Injury Home Insurance Claim Damage 52

Jackson & Jackson

MAY 23, 2024

Small business insurance covers property damage, liability claims, and employee-related risks. For example, businesses in California’s earthquake-prone areas may consider adding earthquake insurance to their policy to protect their property from potential damage.

Small Business Insurance 52

Small Business Insurance Business Insurance Insurer Insurance 52