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

Distinguished

JUNE 2, 2025

Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls. Wind or hail damage to siding and roofing systems. Winter brings heavy snowfall and cold temperatures, and with it, ice dams and frozen pipes, which can cause significant property damage. 

Liability

Agency Height

JULY 31, 2025

No damage to your home, no claims filed… and yet, your home insurance premium goes up at renewal. When an insurer assesses your premium, they evaluate you as an individual policyholder and the broader environment around you —especially your ZIP code or even block. But then, something out of your control happens. Sounds unfair?

Premium

Distinguished

JULY 9, 2025

At Distinguished, we’ve built a flexible, agent-friendly Surety Bond Program that covers both commercial and contract surety needs, with high capacity, fast approvals, and the underwriting expertise to handle everything from standard requests to complex accounts. What Are Commercial and Contract Surety Bonds?

Agents

Distinguished

JULY 9, 2025

At Distinguished, we’ve built a flexible, agent-friendly Surety Bond Program that covers both commercial and contract surety needs, with high capacity, fast approvals, and the underwriting expertise to handle everything from standard requests to complex accounts. What Are Commercial and Contract Surety Bonds?

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

Distinguished

JULY 7, 2025

Insurance agents and brokers looking to get more business from landlord clients will need access to a program that can insure multiple units or buildings, including a mix of landlord, commercial, and tenant-occupied spaces. It can also include commercial, personal use, or rented units.

Building

Triple-I: Homeowners Insurance

MARCH 13, 2025

Property and casualty insurers are no less concerned, as the cost of repairing and replacing damaged property is a driver of claim costs and, ultimately, policyholder premiums. Tariffs and threats of tariffs have been roiling financial markets since January.

Casualty Insurance

Insurance Journal

OCTOBER 11, 2024

Insurance agents and carriers in the path of Hurricane Milton reported only minor damage to their own offices and homes but a rapidly growing number of claims from residential and commercial policyholders for roof, flood and auto damage. The Florida …

Damage

Property Insurance Coverage Law

SEPTEMBER 26, 2024

In a case involving alleged hail damage to a commercial building, the court granted summary judgment in favor of the insurer, Charter Oak Fire Insurance Company, after excluding the policyholder’s expert witness.

Policyholder

Property Insurance Coverage Law

SEPTEMBER 4, 2024

The duties of an insurance agent to the policyholder will differ depending on state law. Yesterday’s post about a Michigan coverage case, Order and Bind Insurance Before the Loss—Commercial Policy Covers Water Damage Under Drain Backup Endorsement, noted that there was also an issue with insurance agent negligence.

Policyholder

Property Insurance Coverage Law

NOVEMBER 24, 2024

Insurance policies that provide broad coverage across multiple items or locations can be a policyholder’s best friend. The Louisiana case involved a hydrocarbon production facility damaged … The post When Is a Policy “Blanket”?

Policy

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. In fact, an estimated 75% of commercial properties are underinsured by 40% or more, according to industry data.

Commercial Property

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

Protect Commercial Insurance

JUNE 27, 2024

Introduction Navigating the world of commercial insurance can often feel like walking through a dense fog of myths and misconceptions. Unfortunately, the abundance of myths surrounding commercial insurance may lead many business owners to make decisions that are not in their best interest. This is far from the truth.

Commercial Insurance

LexisNexis

APRIL 1, 2025

Read now » Related Content Builders Risk Insurance and Its Use in Construction Projects Discover the unusual characteristics of builders risk insurance and how features of the coverage differentiate it from other commercial policies that can afford some, but not identical, protection to the policyholder.

Commercial General Liability

Protect Commercial Insurance

JANUARY 21, 2021

FCA Test Case: Response of non-damage business interruption extensions to COVID-19 losses Supreme Court Decision: Update 19 January 2021 The Supreme Court judgment in the FCA Business Interruption Test Case was published on Friday 15 January 2021. Protect Commercial Team.

Business Interruption

American Agents Alliance

MAY 15, 2025

Policyholders are enjoying recreational activities like pools and backyard BBQs, hosting family and friends, and traveling to local events and weekend getaways. While fun, these activities can increase summertime risks for policyholders. Exposures like liability, theft, and property damage are high.

Risk

Property Insurance Centre

MARCH 19, 2024

By understanding key terms, policy details, and the rights and responsibilities of policyholders, consumers can engage with insurers more effectively, ensuring better communication and ultimately achieving their desired outcomes. By exploring these guides, individuals can gain a comprehensive understanding of why insurance is essential.

Property Insurance

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

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

American Agents Alliance

NOVEMBER 9, 2024

Independent P&C agents and brokers who reside and work in this region must also know how to help policyholders manage earthquake risk. Learn more about how agents can help their policyholders manage earthquake risk in this blog. This coverage gap means agents must educate policyholders to help ensure they have adequate protection.

Agents

Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.

Insurance Claim

Property Insurance Centre

JULY 21, 2024

Aspray, a leading property damage claims management company, can act on your behalf when you need to make a claim. Aspray’s repeat win is a reflection of their unwavering commitment to delivering top-notch service to their clients, ensuring that they receive the best possible outcome in times of property damage.

Claim

Property Insurance Centre

JANUARY 4, 2024

Weather Conditions and Natural Disasters Since 1980, there have been 360 weather- and climate-related natural catastrophes , resulting in damages and costs of over $2.57 The impacts of weather events and natural disasters go beyond immediate property damage, affecting communities and economies on a larger scale.

Property Insurance

Triple-I: Business Insurance

AUGUST 11, 2022

points higher than 2021, driven primarily by significant deterioration in auto physical damage coverages. Kurtz , a principal and consulting actuary at Milliman, said another year of underwriting losses is likely for the commercial multi-peril line. We forecast 2022 P&C premium growth of 8.5 percent,” Porfilio said.

Underwriting

Property Insurance Centre

NOVEMBER 11, 2024

Let’s have a look at them… Don’t claim for everything – One thing insurers do not like, is a policyholder that claims over multiple times a year & for the smallest thing. Insurers, do not however, look on negatively when a customer claims for substantial damage when they need genuine help.

Insurance

Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. It may also cover damage caused by burst pipes, subsidence, or accidental damage.

Building

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

Property Insurance Centre

JANUARY 30, 2024

This type of insurance is designed to safeguard the physical structure of the property, providing financial protection in the event of damage or loss due to various risks. This includes providing details about any unoccupied flats, as they may pose higher risks due to increased vulnerability to theft, vandalism, or damage.

Building

Majesco

JUNE 13, 2024

Severe convective storms are among the most common and most damaging natural catastrophes in the United States with damaging wind, hail, rain, and tornadoes. It is helping insurers avoid costly risks, coaching policyholders to make sensible changes and it is dramatically improving the claims process.

Risk

Majesco

APRIL 11, 2024

There is inflation and its pressure on claims costs, whether it’s medical or it is physical damage to homes and businesses. US commercial Property and Casualty insurers have obtained incredibly high results in avoiding water, non-weather losses, using IoT solutions for risk prevention. Here is a positive trend, for example.

Commercial Property

LexisNexis

DECEMBER 10, 2024

This survey covers state law on the issue of faulty workmanship as an occurrence for purposes of coverage determination under a commercial general liability (CGL) policy. Generally, an insured's work product is not covered, but defective workmanship that causes property damage is covered.

General Liability

Hunton Andrews Kurth

JULY 16, 2021

The shareholder suit named Blue Bell as a nominal defendant and sought declaratory relief, an award of damages to Blue Bell, disgorgement and cancellation of the defendants’ stock in Blue Bell, and an order for the company to implement policies and procedures to maintain adequate operational controls.

General Liability

The Property Insurance Law Observer

APRIL 1, 2025

In Bob Robison Commercial Flooring Inc. In relevant part, the policy contained the following language: PERILS COVERED We cover risks of direct physical loss or damage unless the loss is limited or caused by a peril that is excluded. RLI Insurance Company (2025 WL 852889 (8th Cir. PERILS EXCLUDED 2.

Damage

Distinguished

JUNE 2, 2025

Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls. Wind or hail damage to siding and roofing systems. Winter brings heavy snowfall and cold temperatures, and with it, ice dams and frozen pipes, which can cause significant property damage.

Liability