Distinguished

JULY 7, 2025

Q: What are the ineligible risk characteristics? Q: Will you consider a risk where food is cooked at one location and sold at another? A: Yes, subject to individual risk underwriting. Q: What are your crime score requirements? Risks that require building coverage should be submitted to our Restaurant Package program.

Policy

Distinguished

MARCH 20, 2025

And with rising property values, more frequent catastrophic weather events, and emerging risks like habitability claims, its never been more critical to help your clients navigate their insurance options. Without the right coverage, property owners could be exposed to significant financial and legal risks.

Building

Protect Commercial Insurance

JUNE 20, 2025

Essentially, it covers a variety of risks associated with office environments, aiming to protect both physical assets and financial interests. First and foremost, it allows business owners to focus on their operations, knowing they are protected against a wide range of risks.

Protection

Agency Height

JULY 31, 2025

Agency Height July 31, 2025 For Insureds Key Takeaways Insurance premiums are based on shared risk, not just your individual home. Welcome to the complicated world of risk-based insurance pricing in the U.S. Here’s the straight truth: insurance is not just about your home; it’s about the risk profile of your entire area.

Premium

Prof. Allan Manning

JANUARY 29, 2025

This of course takes the risk to an individual insurer who may have elected to turn a blind eye to an exclusion to a single property loss, which I would like to think most Australian insurers would do, to a much higher level where the exclusion would be applied in full. ” [ emphasis mine] 1.

Policy

ProWriters

JULY 16, 2025

Why Small Businesses Often Run Big Cyber Risks A small-business owner might assume their company’s size works to their advantage in avoiding cyber incidents. Small businesses should report cyber crimes to local and state law enforcement agencies and to the Internet Crime Complaint Center.

Cyber

Property Insurance Centre

MARCH 11, 2025

Buying Blocks of Flats Insurance in London: Key Risks and Costs When it comes to buying blocks of flats insurance in London, the market is becoming more complex for a number of reasons. Many insurers require more detailed valuations and risk assessments due to the higher sums insured.

Risk

Distinguished

JUNE 2, 2025

Our specialized landlord insurance programs are designed to protect Ohio property owners against the specific risks they face — and help brokers deliver tailored, reliable coverage to their clients. These risks are unique to rental properties and typically fall outside of what homeowners insurance is designed to cover. In fact, 9.3%

Liability

Distinguished

JULY 7, 2025

Q: What are the ineligible risk characteristics? Q: Will you consider a risk where food is cooked at one location and sold at another? A: Yes, subject to individual risk underwriting. Q: What are your crime score requirements? Risks that require building coverage should be submitted to our Restaurant Package program.

Policy

Distinguished

JULY 30, 2025

Distinguished’s partnership with Wright Flood adds another layer of protection to its Community Associations program, which includes Package, Directors & Officers , Crime, Umbrella and Cyber products. Wright Flood’s expertise in the Flood insurance market enhances the value brokers can deliver to their clients.

Broker-Agent

Cowbell

MARCH 30, 2025

He who is not courageous enough to take risks will accomplish nothing in life. Accompanying this momentum is an ever-growing global risk pool, spanning over 50 million SMEs across the US, UK, Australia, and beyond. Management Liability: Coming soon, well unveil a dedicated suite for D&O, EPL, Fiduciary, and Crime.

Cyber

Distinguished

JUNE 30, 2025

Here are some of the key exposures restaurant insurance can help address for businesses in South Carolina: Kitchen fires: With open flames, hot equipment, and constant activity, restaurant kitchens are a major fire risk. Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks.

Liability

Distinguished

JUNE 30, 2025

Here are some of the key exposures restaurant insurance can help address for businesses in South Carolina: Kitchen fires: With open flames, hot equipment, and constant activity, restaurant kitchens are a major fire risk. Alcohol liability: Serving alcohol is a lucrative business, but it comes with liability risks.

Liability

Majesco

MARCH 27, 2025

The traditional insurance customer relationship is being re-examined and, in some cases, re-energized by the need to address higher risk and higher premiums. After inflation, renters cited only three other significant drivers of cost increases, each at 25%: catastrophic events, intensifying weather events, and crime.

Auto Insurance

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. Properties near major rivers also face flooding risks. Crime insurance: Safeguards against theft, fraud, and vandalism. In Chicago alone, more than 2.7

Broker

Distinguished

FEBRUARY 24, 2025

In this guide, well break down how Distinguisheds restaurant insurance addresses the specific risks faced by Charlottes restaurant owners. Contaminated food: Even the most diligent restaurants run the risk of food contamination leading to customer illness, which can leave them vulnerable to lawsuits.

Liability

Distinguished

MAY 13, 2025

With limits up to $105 million and a streamlined online submission process, its a fast, flexible solution for qualifying risks. One of the most common and costly risks? Robbery and Assaults Hotels are meant to be safe havens for travelers, but like any public space, they can also be targets for violent crime. Want to learn more?

Broker

Cowbell

JUNE 19, 2025

Real-World Impact Financial Losses : The FBI’s 2023 Internet Crime Report noted $2.9 Covering Tracks : Attackers may delete sent emails from compromised accounts, delay detection by altering inbox rules, or use one-time accounts to vanish after the fraud.

Financial Loss

Distinguished

JULY 7, 2025

Landlord insurance is a policy designed to protect unit owners from the risks of renting out their properties. 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. What is Landlord Insurance? Denver , Nashville, and more.

Building

Distinguished

JUNE 16, 2025

However, the bottom line is that whether required by law or not, carrying adequate insurance isn’t optional for HOAs — it’s essential to protect the community and its board members from serious financial risk. Crime Insurance Crime insurance is designed to protect HOAs from the actions of criminals, dishonest employees, and unpaid volunteers.

Liability

Property Insurance Centre

MARCH 21, 2025

This diversity in building age and structure affects insuranceolder buildings may face higher premiums due to maintenance risks, while newer developments may require higher coverage for cutting-edge amenities. Insurers often request an EWS1 form or similar documentation to assess fire risks.

Premium

Distinguished

APRIL 29, 2025

Although cities like Denver, Boulder, and Colorado Springs have thriving real estate markets, owning rental properties still comes with risks, making rental property insurance essential. Insurance companies and brokers play a key role in mitigating these risks by offering specialized landlord policies.

Liability

LexisNexis

JULY 8, 2025

The Financial Action Task Force (FATF) has released updated Anti-Money Laundering (AML) guidelines aimed at enhancing financial inclusion and reinforcing risk-based compliance frameworks to combat financial crime.  Interested in becoming a Practical Guidance author?

Crime

LexisNexis

JUNE 17, 2025

Treasury Department, with some regulators arguing that transparency is crucial to combating financial crimes. However, controversy persists following the March 2025 Interim Final Rule issued by the U.S. states, plus the District of Columbia, Guam, Puerto Rico, and the Virgin Islands.  Interested in becoming a Practical Guidance author?

Crime

LexisNexis

JUNE 24, 2025

and foreign entities disclose their beneficial ownership information to the Financial Crimes Enforcement Network (FinCEN), aiming to curb illicit financial activities facilitated by anonymous shell companies. The Corporate Transparency Act (CTA), as enacted, mandates that certain U.S.

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

LexisNexis

JULY 29, 2025

Practical Guidance Journal, 2025 Second Edition features guidance for regulating AI in the workplace in 2025, Intellectual Property issues related to deepfakes, the emergence of AI in mergers and acquisitions, and a checklist to help when evaluating AI technology risks. Find out how to set up your document alerts.

Policy

Insurance Journal

AUGUST 5, 2024

Justice Department on Aug. 1 debuted its first-ever whistleblower program offering monetary awards to tipsters who report certain types of corporate misconduct, an effort designed to ratchet up the pressure on companies who face allegations of wrongdoing. The …

Crime

Insurance Journal

JULY 22, 2024

Somali piracy — the scourge of merchant shipping more than a decade ago — has had a resurgence this year, the industry’s main observer of the crime said. There were eight acts of piracy and hijackings in the first half …

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

Risk Management Monitor

JANUARY 27, 2022

Ramesh Srinivasan gave a keynote titled “The Opportunities and Downside Risks of Using AI,” touching on the key flashpoints of current technological advancement, and what they mean for risk management. He noted that as data storage has become far cheaper, and computation quicker, this has allowed risk assessment technology to improve.

Risk

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

Risk Management Monitor

DECEMBER 5, 2022

As risk management professionals, these rapid changes have made our job more important than ever to our organizations. Yet the majority of our organizations—particularly in C-suites—remain far from giving risk management experts the seat at the table they need to effectively safeguard against enterprise threats, digital or otherwise.

Risk

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. Helping your clients understand cyber risks and Cyber Insurance policy jargon can be challenging. What Is a Cyber Insurance Broker?

Cyber

Risk Management Monitor

JUNE 14, 2021

Because much of this is done through outsourcing of systems and services to third parties, many enterprises have dramatically increased the scale and complexity of their risk surface. In fact, research shows that only 14% of third-party risk professionals are confident that vendors are capable of meeting third-party security requirements.

Risk

Frankenmuth Insurance

OCTOBER 10, 2024

Reduce your risks with these 13 retail store safety tips: Step up your security. 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. Setting up or running the small business of your dreams?

Crime