Distinguished

JUNE 30, 2025

Even small fires can result in expensive property damage and lengthy closures. When they do, lawsuits and reputational damage can threaten a restaurant’s survival. Over-serving patrons can lead to accidents, injuries, or property damage, exposing restaurants to legal claims.

Liability

Distinguished

JUNE 30, 2025

Even small fires can result in expensive property damage and lengthy closures. When they do, lawsuits and reputational damage can threaten a restaurant’s survival. Over-serving patrons can lead to accidents, injuries, or property damage, exposing restaurants to legal claims.

Liability

Distinguished

APRIL 21, 2025

The damage is extensive, and tenants are forced to relocate while repairs are underway. However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. Sewer and drain backup: Protects against water damage from plumbing backups.

Broker

Agency Height

JULY 31, 2025

No damage to your home, no claims filed… and yet, your home insurance premium goes up at renewal. Imagine this : You’ve done everything right, kept up with your home maintenance, paid your insurance premiums on time, never filed a claim. But then, something out of your control happens. Your neighbor’s house catches fire. Sounds unfair?

Premium

Prof. Allan Manning

JANUARY 29, 2025

This is where the wording has a Defined Events cover and sometimes an Option for Accidental Damage. ” [ emphasis mine] 1. With no reinsurance protection for terrorism under the Australian Reinsurance Pool Corporation it is up to individual insurers as to whether they will grant their home and contents clients coverage for terrorism.

Policy

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

Distinguished

MAY 13, 2025

Here is a list of the coverages that many hotels need: General liability : A basic GL policy helps cover claims associated with everyday business activities such as guests falling on premises, damage to guest property, restaurant operations, and accidents related to recreational activities. Fire damage. One real-world example?

Broker

Distinguished

JULY 7, 2025

These risks can include property damage caused by floods or fire, and liability coverage if a landlord gets sued by a tenant or building guest. Sewer and drain backup : Water damage caused by backups. This includes eligibility, coverages, and the benefits of partnering with one of the most experienced insurance companies in the nation.

Building

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.  What Does HOA Insurance Typically Cover?

Liability

Distinguished

APRIL 29, 2025

Without the right safeguards in place, landlords could face significant financial losses from damages, legal claims, or lost rental income. A specialized landlord insurance policy provides protection against lost rental income, tenant-related damages, and extreme weather.

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. Unoccupied flats pose risks like water damage and squatting, which insurers consider when pricing policies. Some insurers might impose higher excesses or refuse coverage in high-risk flood zones.

Risk

Insurance Journal

SEPTEMBER 16, 2024

AP) — A Canadian man has pleaded guilty to federal crimes for shootings at electrical substations and an oil pipeline in the Dakotas that caused $1.7 million in damages. BISMARCK, N.D. (AP) Cameron Monte Smith pleaded guilty Wednesday in U.S. District …

Damage

Insurance Journal

JULY 17, 2024

Jillian Anderson was planning to make fighting crime in Waikiki the top issue in her campaign for a seat in the Hawaii House of Representatives. Then came the letter from her condo association announcing a 300% increase in insurance premiums, …

Premium

Frankenmuth Insurance

OCTOBER 10, 2024

Minimize crime with security cameras, ample exterior lighting, and alarm systems. Putting yourself in a robber’s shoes can help you make proactive adjustments and prevent crime. Large cracks or craters could cause bodily harm or damage to vehicles. Setting up or running the small business of your dreams? What would you take?

Crime

Jackson & Jackson

APRIL 30, 2024

Properties in high-risk zones for these disasters typically see higher insurance rates due to the increased likelihood of damage—especially the Brush Areas in California. Crime Rates Areas with higher crime rates often have higher property insurance rates due to the elevated risk of theft, vandalism, and other crime-related damages.

Commercial Property

ProWriters

OCTOBER 2, 2024

When a client experiences a data breach, the first move is obvious—find the entry point and stop the damage. Let’s break down the steps involved in a data breach forensic investigation and see how the experts pull back the curtain on cyber crime. But after the initial response , what’s next? But what does this process actually involve?

Cyber

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

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. Location, Location, Location Where your home is located has a huge impact on your premium.

Premium

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. Properties in areas with higher crime rates or those prone to flooding may have higher premiums.

Insurer

TGS

NOVEMBER 27, 2024

Install a Security System Cost: $100–$300 for basic systems (plus optional monitoring fees) Impact: Security systems don’t just deter crime; they often come with built-in monitoring for fire or carbon monoxide. Install a Water Leak Detection System Cost: $50–$300 Impact: Water damage claims are among the most common for homeowners.

Premium

ProWriters

JULY 25, 2024

Analysts project cyber crime to cost the U.S. Legal repercussions, financial hits, and damaged reputations are just the tip of the iceberg. Also, having a guide for quickly implementing the pre-planned response strategy is crucial for minimizing damage. Transparency builds trust and mitigates long-term reputational damage.

Protection

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

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. When you renovate or expand your home, you’re increasing its value—and with greater value comes higher costs to repair or rebuild in the event of damage.

Home Insurance

ProWriters

FEBRUARY 12, 2024

HIPAA breaches can also damage a healthcare organization’s reputation. Reputational damage leads to broken trust, lost customers, and decreased revenue. Patients can find themselves vulnerable to financial and emotional distress. They may spend years repairing their credit and financial records.

Cyber

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

Property Insurance Centre

MAY 20, 2024

damage caused by a leak). Terrorism Cover for Block of Flats Insurance policies for individual houses typically include cover for damage or loss caused by an Act of Terrorism. Construction Type : The materials and construction methods used can influence the coverage, particularly concerning fire resistance and susceptibility to damage.

Building

Risk Management Monitor

SEPTEMBER 1, 2022

Organizations should have a plan for employees if they fall victim to a scam or notice something unusual so IT or information security professionals can solve the issue as quickly as possible and mitigate the damage. It is critical to develop a strong cybersecurity strategy and invest in resources and training.

Protection

Property Insurance Centre

JULY 30, 2024

3 By only choosing trustworthy tenants, the chances of problems like late rent or damage decrease. 3 The FTC says it’s fair to refuse a rental applicant based on low income, credit scores, eviction or crime history. It stops big damage and saves money on repairs later. Picking good tenants is crucial.

Building

Risk Management Monitor

DECEMBER 3, 2021

Many of them didn’t fully anticipate the widespread, long-lasting damage a pandemic could create. Those that do make the connection are on the path to better mitigating financial exposure, reputational damage, business interruption, and other losses. Doing so increases the ability to develop effective responses.

Risk

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

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

LexisNexis

APRIL 28, 2025

In addition to ERISA claims, plaintiffs pursued various federal and state causes of action, including emotional distress and invasion of privacy, and seek punitive damages. Learn more about developing and optimizing cybersecurity precautions.

Crime