Protect Commercial Insurance

JUNE 20, 2025

– Public Liability Insurance : Protects against claims made by third parties for injuries or damages occurring on your office premises. – Employer’s Liability Insurance : Required by law if you employ staff. – Compliance : Certain types of cover, like employer’s liability, are legal requirements.

Protection

Protect Commercial Insurance

JUNE 6, 2025

Several factors contribute to the cost of your commercial property insurance premiums: – Location of the Business : A business located in an area prone to crime or natural disasters may face higher premiums. For example, combining commercial property insurance with general liability insurance might save you money.

Commercial Property

Distinguished

JUNE 2, 2025

Harsh winters, severe storms, aging infrastructure, and liability claims can all turn a profitable property into a financial setback without proper insurance. Under Ohio premises liability law , property owners are frequently held liable for injuries sustained on their properties, making liability coverage crucial.

Liability

Distinguished

JULY 7, 2025

Q: What are your crime score requirements? A: There are no specific crime score criteria, but we may utilize crime scores in our underwriting process. Q: What are your property and general liability deductible options? Q: Do you offer liquor liability coverage, including host liquor liability?

Policy

Distinguished

JUNE 30, 2025

Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks. This includes common risks like theft or fire damage but also more niche coverages like food spoilage and cyber liability. Foodborne illness: Despite stringent safety protocols, food poisoning incidents can happen.

Liability

Distinguished

JUNE 30, 2025

Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks. This includes common risks like theft or fire damage but also more niche coverages like food spoilage and cyber liability. Foodborne illness: Despite stringent safety protocols, food poisoning incidents can happen.

Liability

Prof. Allan Manning

JANUARY 29, 2025

I also touched on commercial liability coverage. Last week I posted an article in regard to terrorism coverage under commercial property, and/or business interruption policies. At the request of quite a few readers, I now turn my attention to home and contents. ” [ emphasis mine] 1. . ” [ emphasis mine] 1.

Policy

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. In Chicago alone, more than 2.7

Broker

Cowbell

MARCH 30, 2025

Management Liability: Coming soon, well unveil a dedicated suite for D&O, EPL, Fiduciary, and Crime. Our unparalleled broker network and data-driven approach forged in the cyber arena, now power this foray into new coverage lines.

Cyber

Agency Height

JULY 31, 2025

Other “external” events that could trigger rate increases include: Multiple claims have been filed in your neighborhood within a short span Lawsuits arising from accidents or liability issues in your area Upgrades in rebuilding costs (e.g., Easy, free and secure. Trusted agents working with top national companies.

Premium

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. General liability insurance: Coverage for legal claims related to customer injuries or property damage. How Much Does Restaurant Insurance Cost in Charlotte?

Liability

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. Through these packages, your clients get access to the following coverages: Commercial general liability : Provides up to $1,000,000 per occurrence, with $2,000,000 of coverage in aggregate.

Building

Distinguished

APRIL 29, 2025

Hailstorms , winter storms, and tenant-related liabilities can lead to significant financial losses if landlords are not properly insured. However, landlords must navigate challenges such as extreme weather events, tenant-related liabilities, and potential evictions. Crime insurance: Covers financial losses from theft or vandalism.

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. Still have doubts?

Broker

Distinguished

JUNE 16, 2025

Homeowners association insurance is a package policy designed to protect the shared property and liability exposures of a residential community — whether that’s a condo complex, townhomes, or a single-family home subdivision governed by an HOA. What is HOA Insurance? What Does HOA Insurance Typically Cover?

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. Increased Flooding and Climate Risk Parts of London, particularly areas near the Thames, are at a higher risk of surface water flooding due to urbanisation and outdated drainage systems.

Risk

Property Insurance Centre

MARCH 21, 2025

Crime Risk in Certain Urban Areas While overall crime in Manchester is lower than in London, some districts still report higher rates of burglary and vandalism, which can affect insurance costs. Insurers view these uses as higher risk, which can lead to increased premiums or the need for specialist insurance policies.

Premium

Insurance Marine News

JULY 24, 2025

Join Us The post Houthi attacks on ships amount to war crimes, says NGO appeared first on Insurance Marine News. You need to be logged in to view this content. Please Log In. Not a Member?

Crime

LexisNexis

JUNE 17, 2025

The decision provides key insights and lessons on how online notice and consent can be leveraged to directly address and mitigate legal risks and class action liability exposure arising from the use of cookies, pixels, and similar website tracking technologies, and federal or state wiretapping statutes.

Crime

Insurance Journal

SEPTEMBER 23, 2024

million to a citizen who spent 36 years in prison for a crime he did not commit. A Massachusetts town has agreed to pay $14.9 Town officials in Braintree said they hope to recover much of that payment from its …

Crime

Insurance Journal

OCTOBER 7, 2024

Italian prosecutors on Saturday accused seven people and two sub-contractors of crimes including fraud and breaching airplane safety rules following an investigation into suspected flawed parts produced by an Italian company for Boeing. The prosecutors launched their investigation in late …

Crime

Scott Insurance

OCTOBER 28, 2020

Many insurance carriers use third-party crime scores to evaluate their exposure to criminal risk when underwriting general liability insurance policies. This research addresses one main question: Do crime scores accurately predict property-specific crime risk?

Crime

Distinguished

OCTOBER 9, 2024

New York – Distinguished Programs (“Distinguished”), a national insurance program manager, announced an expanded partnership with Berkley Program Specialists (“BPS”), a leading provider in the industry, to underwrite its Community Associations Crime and D&O products. Starting Jan.

Crime

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. Get commercial coverage you can count on, like liability , workers compensation , or umbrella policies. What valuables can you easily spot from outside?

Crime

ProWriters

OCTOBER 2, 2024

As an insurance broker, you likely recognize that while these technologies drive business operations, they also increase vulnerability to cyber crime, making Cyber Insurance a necessity for your clients. Cyber Insurance helps businesses cover the costs of cyber crime and get back on track.

Insurance Broker

ProWriters

OCTOBER 2, 2024

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. Cover Data Breach Forensics With ProWriters’ Cyber Insurance Give your clients complete protection against data breaches with ProWriters’ comprehensive Liability Cyber Insurance.

Cyber

Scott Insurance

FEBRUARY 27, 2024

suburban) and are more susceptible to the use of crime scores when underwriters rate their liability insurance. Unique Challenges for Affordable Housing Although there are exceptions, affordable housing properties are often older than market-rate housing, have more urban/rural exposure (vs.

Deductible

Triple-I: Business Insurance

APRIL 4, 2024

Cyber incidents reported to the FBI’s Internet Crime Complaint Center (IC3) in 2023 totaled 880,418. Email compromise, cryptocurrency fraud, and ransomware increase In addition to record-high financial losses from cybercrimes overall in 2023, the report revealed trends across crime methodology and targets. billion in 2022 to $3.94

Financial Loss

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. Landlord liability insurance Property owner’s liability comes as standard with all our landlord insurance policies.

Insurance

ProWriters

JUNE 4, 2025

billion in reported losses , according to the FBIs Internet Crime Report. That number highlights why real-time recovery matters for a Cyber Liability Insurance broker. In 2023, business email compromise (BEC) caused $2.9 These scams often rely on nothing more than a spoofed email and a well-timed request.

Insurance Broker

ProWriters

FEBRUARY 12, 2024

Help Your Clients Respond to and Reduce Their Risk of HIPAA Breaches Knowing how to respond to healthcare data breaches is crucial, especially breaches occurring due to cyber crime. Threat actors relentlessly try to gain access to PHI because it is so lucrative on the illegal market.

Cyber

Distinguished

SEPTEMBER 10, 2024

Our program also offers your clients general liability insurance, which can help cover legal costs that can occur on work sites.  For instance, employees injured on the job should be covered by their Contractor’s General Liability policy.   Our Builder’s Risk program does not cover some specific risks.

Risk

Property Insurance Centre

MAY 20, 2024

Employers’ Liability Insurance Employers’ Liability Insurance protects the insured against claims made by an employee who is injured during the course of carrying out their work for the employer. Location : Geographic location impacts risk assessment for natural disasters, crime rates, and other hazards.

Building

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

ProWriters

MAY 28, 2024

How can you stress the need for Cyber Liability Insurance for contractors to your clients? What Cyber Liability Insurance for Contractors Can Cover The cyber risks contractors face are real and rising. Cyber Insurance for contractors is an essential safety net. Fortunately, robust Cyber Insurance for contractors is readily available.

Cyber

LexisNexis

SEPTEMBER 23, 2024

As the number of AI Businesses continues to multiply, and as the regulatory and liability landscape materializes, practitioners can expect that the number of purchase agreements with specialized definitions and/or representations and warranties will similarly increase. based AI Business.

License

TGS

OCTOBER 3, 2024

Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. This is because some dog breeds are statistically more likely to be involved in liability claims. Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage.

Premium