The Property Insurance Law Observer

JULY 25, 2024

In Marcantel , the plaintiff suffered damage from Hurricane Laura at two properties in Louisiana. Moreover, plaintiff failed to preserve many of the damaged items for inspection and did not provide photographic evidence for many items listed in the claim.

Damage 130

Damage Personal Property Policyholder Claim 130

Mark Jackson Insurance Agency

MARCH 19, 2025

Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. 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 52

Workers Compensation Liability Property Damage Injury 52

LexisNexis

APRIL 28, 2025

Gain unparalleled insights into calculating reasonable royalties with our latest practice notea must-read for any attorney handling patent litigation damages. Discover actionable methods for aligning technical expertise with economic analysis and stay ahead in a competitive legal landscape.

Damage 40

Damage Compensation Building Risk 40

Insurance Journal

JANUARY 28, 2025

A Pierce County, Washington, man has been ordered to pay back more than $60,000 to Washington’s workers’ compensation fund after videos reportedly showed he was working and carrying heavy objects in the years he was allegedly unable to work from …

Workers Comp 147

Workers Comp Compensation Workers Compensation Claim 147

Shield Insurance Agency

MARCH 31, 2025

Running a warehouse in Michigan involves managing a variety of risks, from property damage to employee injuries. Warehouse Operations in Michigan: A Risk Landscape Warehouses face a unique set of risks, including damage to goods, equipment breakdown, and liability issues. This is where commercial insurance comes in.

Commercial Insurance 52

Commercial Insurance Commercial Insurance Agency Injury 52

Mark Jackson Insurance Agency

JUNE 17, 2024

Man Drilling into a Wooden Board by Thijs van der Weide Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. State Laws and Requirements It's important to note that laws regarding workers' compensation insurance vary significantly by state.

Workers Compensation Insurance 52

Workers Compensation Insurance Workers Compensation Compensation Workers Comp 52

The Property Insurance Law Observer

OCTOBER 16, 2024

Universal”) after their property sustained water damage that led to mold. Universal paid $10,000 for mold damages, which was the policy limit for mold, but denied coverage for the water damage itself, arguing that the water damage was not covered due to policy exclusions for long-term damage caused by repeated seepage or leakage.

Property Insurance 130

Property Insurance Damage Casualty Insurance Policy 130

Distinguished

MARCH 20, 2025

Unlike single-family homes, apartment complexes face heightened risks damage from one unit can quickly spread to others, liability claims can stem from common areas, and evolving building codes can demand costly upgrades. The court awarded her a staggering $13 million in damages.

Building 52

Building Protection Damage Liability 52

Insurance Journal

MARCH 6, 2025

The state’s Labor Commissioner’s Office secured the settlement to return unpaid wages and damages to 86 carpenters employed by … A construction company was fined more than $430,000 for California labor violations that resulted in unpaid wages, overtime and other violations.

Damage 130

Damage Workers Compensation Compensation 130

Paragon Independent Insurance Agencies

APRIL 15, 2025

If your home has been burglarized recently, your home insurance policy may cover the cost of repairing any damage caused by the burglars. It may also compensate for the replacement of stolen items. Ensure you have photographs of the damage, as you may be asked to present them. What Steps Should I Take If My Home Is Burglarized?

Home Insurance 40

Home Insurance Insurance Agency Insurance Insurer 40

New Jersey Workers' Comp

APRIL 3, 2024

For those who do not like workers’ compensation, blame Otto Von Bismarck. Yes, the man known as the Iron Chancellor, who united all the kingdoms and states into one Germany, passed the first modern workers’ compensation law in 1874. On April 4, 2024, New Jersey marks its 113 th year of workers’ compensation.

Workers Compensation 40

Workers Compensation Compensation Injury Claim 40

Property Insurance Centre

FEBRUARY 24, 2025

From financial losses to reputational damage, legal battles, and even the risk of shutting down, the impact can be severe. The Financial Toll of a Liability Claim A lawsuit can lead to crippling legal expenses, compensation payouts, and increased insurance premiums. Even if you win, the costs of defending yourself can be enormous.

Liability 52

Liability Protection Claim Property Insurance 52

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations. If you have employees, securing workers’ compensation insurance can provide financial support for medical bills and lost wages if a workplace injury occurs.

Commercial Insurance 40

Commercial Insurance Commercial Insurance Agency General Liability 40

Distinguished

FEBRUARY 24, 2025

Based on our decades of experience in this industry, here are some of the top exposures we see restaurants facing in markets like Charlotte: Fire damage: Fire is a constant risk in hot kitchens, and even a small incident could lead to heavy repair bills and a temporary closure.

Liability 52

Liability Liability Insurance Insurance Insurer 52

Protect Commercial Insurance

APRIL 4, 2025

– Tenant Compensation : In some cases, landlords might need to compensate tenants if living conditions are disrupted or deemed inadequate due to unresolved property issues. – Preservation of Property Value : Taking swift action on repairs preserves the value of the property and mitigates the risk of further damage.

Out-Of-Pocket 40

Out-Of-Pocket Insurance Insurer Insured 40

CDC: Workers Compensation

AUGUST 1, 2024

The resultant destructive pressure forces can damage or destroy structures and endanger nearby personnel. The heat released by the rapid oxidation of aerosolized combustible nanoparticles increases the temperature and pressure of the suspending gas. Very little is known about

Damage 85

Damage 85

Boyle Agency Insurance

MAY 3, 2024

When a NJ disaster strikes, whether it’s a fire, storm, or burglary, your home and belongings can suffer significant damage. Check for structural damage, gas leaks, electrical hazards, or any other potential risks. This documentation will help ensure that you receive the appropriate compensation for your losses.

Home Insurance 52

Home Insurance Insurance Claim Claim Damage 52

Freeway Insurance

JANUARY 3, 2025

Underinsured drivers : About 6% of California drivers are currently underinsured, meaning their coverage levels are not high enough to fully compensate other drivers and their passengers and property in the event of an at-fault accident. Insurers compensate for this increase by raising premiums to cover the heightened risk.

Auto Insurance 98

Auto Insurance Premium Liability Insurance 98

Frankenmuth Insurance

OCTOBER 10, 2024

Large cracks or craters could cause bodily harm or damage to vehicles. Get commercial coverage you can count on, like liability , workers compensation , or umbrella policies. Get them inspected and tagged annually and give employees a refresher on how to use them. Report potholes in your parking lot. Carefully screen candidates.

Crime 111

Crime Workers Compensation Commercial Agents 111

New Jersey Workers' Comp

JULY 19, 2024

Intentional harm lawsuits can be harrowing for employers to defend because the allegations are generally not covered under the workers’ compensation policy. As the readers know, there are two parts to a workers’ compensation policy. She filed both workers’ compensation claims for these injuries. July 12, 2024).

Injury 52

Injury Claim Compensation Policy 52

Insurance Agency of Ohio

JUNE 9, 2018

We recently had a claim for a drain line that was damaged by tree roots. The contractor informed us that 85% of all drain lines are clogged or damaged. Considering the coverage you are getting, that is a very good rate. It was a $6,000 repair bill. Chances are, your insurance company doesn’t offer this coverage.

Workers Compensation 52

Workers Compensation Insurance Agency Damage Premium 52

LexisNexis

AUGUST 28, 2024

Rassp, Chairman of the Board of Directors, Friends Research Institute (friendsresearch.org) Disclaimers: The opinions expressed in this article are those of the author and are not those of the State of California Department of Industrial Relations, Division of Workers’ Compensation, or the Workers’ Compensation Appeals Board.

Workers Compensation 75

Workers Compensation Compensation Claim Injury 75

Protect Commercial Insurance

SEPTEMBER 20, 2024

It covers you against claims of property damage, personal injury, or negligence. This type of insurance is designed to cover you if a member of the public suffers an injury or their property is damaged because of your business activities. It covers the cost of compensation and associated legal fees if an employee decides to sue.

Liability Insurance 52

Liability Insurance Liability Insurance Insurer 52

Jackson & Jackson

NOVEMBER 16, 2024

If a client trips over cables during a meeting at your office or your equipment damages their property, General Liability Insurance provides coverage. Why it’s critical in California : Lawsuits over physical accidents or third-party property damage can lead to significant financial losses, especially in litigious areas like California.

Insurance Policy 52

Insurance Policy Policy General Liability Workers Compensation Insurance 52

TGS

NOVEMBER 18, 2024

This is in stark contrast to at-fault states, where the driver who caused the accident (or their insurance) is typically responsible for covering damages. 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.

Injury 52

Injury Auto Insurance Damage Property Damage 52

Protect Commercial Insurance

MARCH 28, 2025

Receiving Compensation : Once everything is verified and approved, the insurer will begin covering the unpaid rent as per your policy terms. – Roof Damage : Whether it’s from a raging storm or an unnoticed leak, roof issues require immediate attention to avoid further trouble.

Insurance 40

Insurance Insurer Insured Out-Of-Pocket 40

Insurance Journal

JANUARY 16, 2025

LOUISVILLE, Ky. (AP) AP) Spirits giant Brown-Forman Corp. said Tuesday it’s reducing its global workforce by about 12% and closing its hometown barrel-making plant in Louisville. The cost-cutting moves come as American whiskey producers face stiff challenges from changing consumer …

Workers Compensation 246

Workers Compensation Property Damage Compensation Damage 246

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 Insurance Insurer Insured 52

Jackson & Jackson

APRIL 26, 2024

It provides coverage for physical damage to your property and any loss of income due to business interruption. Key Coverages for California Property Investors Property Damage : Covers damage to your buildings and contents caused by fire, theft, vandalism, and natural disasters.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

Paragon Independent Insurance Agencies

NOVEMBER 15, 2024

It covers legal expenses and damages related to accidents, injuries, or negligence claims on your business premises. Whether you face risks like fire, theft, or weather damage, having property insurance ensures you can recover quickly and continue your operations with minimal disruption.

Business Insurance 40

Business Insurance Business Interruption Professional Liability Insurance General Liability 40

Protect Commercial Insurance

NOVEMBER 1, 2024

Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks. Definition and Purpose Standard home insurance is designed for individuals who live in their property, covering both the home and possessions inside it from damage and theft.

Home Insurance 52

Home Insurance Out-Of-Pocket Insurance Insurer 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 Insurance 52

LexisNexis

JANUARY 22, 2025

Colleen Casey, Former Commissioner, California Workers Compensation Appeals Board Cases of first impression seldom wander into our workers compensation world. Thus, the Alvarez case transformed into a case of first impression, providing persuasive guidance for our workers compensation legal community. Martinez , 2025 Cal.

Workers Compensation 40

Workers Compensation Compensation Claim Liability 40

Cover4LetProperty

JANUARY 21, 2023

What matters to insurers, of course, is the question of risk – what is the likelihood of the insured property suffering loss or damage and the insurer having to pay out on a claim as a result?

Insurance 52

Insurance Insurer Insured Damage 52

Protect Commercial Insurance

NOVEMBER 15, 2024

There are several types that cater to different aspects of a business: – Property Insurance : This covers physical assets like buildings, equipment, and inventory against damages. – Workers’ Compensation Insurance : Provides for employees in case of workplace injuries or illnesses.

Commercial Insurance 52

Commercial Insurance Commercial Protection Business Interruption 52

Freeway Insurance

NOVEMBER 24, 2024

If two carriages collided, there simply wasnt a huge risk of damage due to their low speed. People quickly realized that high-speed cars had a much greater potential to cause damage than horses, wagons, and carriages. However, even those states require some proof of financial ability to cover damages.

Auto Insurance 52

Auto Insurance Insurance Insurer Insured 52

Cover4LetProperty

OCTOBER 1, 2024

Renting out a property comes with many potential risks—damage caused by tenants, legal liability for injuries that happen on the property, or loss of rental income due to unexpected events like a fire or flood. Even if let property insurance is not mandatory, it’s highly recommended for any landlord. What does landlord insurance cover?

Insurance 60

Insurance Insurer Insured Injury 60