Distinguished

JUNE 30, 2025

Over-serving patrons can lead to accidents, injuries, or property damage, exposing restaurants to legal claims. This includes common risks like theft or fire damage but also more niche coverages like food spoilage and cyber liability. When they do, lawsuits and reputational damage can threaten a restaurant’s survival.

Liability

Simply Insurance

JUNE 16, 2025

Business insurance policies protect you against lawsuits, employee injuries, cyber security attacks, and property damage. Drug Liability Drug liability insurance covers claims related to adverse effects or injuries caused by pharmaceutical products. Keep your business safe with a Small Business Insurance Policy.

Insurance Quotes

Distinguished

FEBRUARY 24, 2025

Cyber attacks: Digital systems like payment terminals and booking systems are convenient, but they also open restaurants up to the possibility of expensive data breaches. 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.

Liability

Distinguished

MAY 13, 2025

It also includes auto liability coverage for costs related to property damage or injuries caused by a crash. Cyber liability : A policy designed to cover the costs associated with cybercrime and data breaches. In 2022, Disney faced a $100,000 lawsuit after a woman claimed she suffered permanent injuries while using one of their pools.

Broker

Distinguished

JUNE 16, 2025

Specifically, a GL policy provides coverage in the event of an injury or accident in common HOA areas. Typical exclusions are bodily injury, property damage, and intentional or dishonest acts. General Liability General liability shields the association from having to foot the bill for liability suits up to its coverage limit.

Liability

Jackson & Jackson

JANUARY 10, 2024

In California’s vibrant technology sector, understanding the scope of your Cyber Liability Insurance and Data Breach Coverage is as crucial as having the coverage itself. The Gaps in Cyber Insurance: Cyber Liability Insurance and Data Breach Coverage are designed to protect against various cyber threats, but they have limitations.

Liability Insurance

Protect Commercial Insurance

MAY 24, 2024

General Liability Insurance General liability insurance is a fundamental policy that covers your business against claims of bodily injury, property damage, and personal injury. Additionally, general liability insurance typically does not cover claims related to professional services or cyber incidents.

Insurance Policy

Paragon Independent Insurance Agencies

MARCH 29, 2024

While your product might seem harmless, there’s always a chance that it could potentially cause injury. Don’t underestimate its importance – even if there’s a minute chance of injuries with your product, it’s still better to be on the safe side. Cyber insurance might be the only thing you need.

Commercial Insurance

ProWriters

APRIL 3, 2024

E&O typically covers claims related to professional services resulting in financial harm to a client, while Professional Liability covers a wider range of claims, such as bodily injury or property damage. The policy extends coverage for a specified period, typically one year, and can be renewed annually. What does EPLI not cover?

Liability

Jackson & Jackson

NOVEMBER 16, 2024

Cyber Liability Insurance Cyberattacks are on the rise, especially for IT businesses handling sensitive client data. This policy covers damages or injuries caused by your company vehicles, as well as protection against theft, vandalism, and accidents. One oversight could lead to costly lawsuits.

Insurance Policy

Protect Commercial Insurance

JUNE 27, 2024

Myth 3: You Don’t Need Cyber Insurance Unless You’re A Tech Company It might seem logical to assume that if you’re not operating within the tech industry, cyber threats are not a significant concern. Understanding these specific terms and conditions is critical for effectively leveraging this insurance.

Commercial Insurance

Protect Commercial Insurance

OCTOBER 25, 2024

Familiarising yourself with the various types can help you craft the most effective insurance package: – General Liability Insurance : Covers third-party bodily injury, property damage, and advertising injuries. Assess whether there’s a need for: – Cyber Insurance for data breaches and cyber threats.

Business Insurance

Protect Commercial Insurance

NOVEMBER 22, 2024

For instance, standard commercial insurance might cover damages from a fire, but do you have coverage for theft or cyber-attacks? This might mean picking additional coverages, like cyber insurance if your business handles sensitive data, or business interruption insurance for unexpected shutdowns.

Commercial Insurance

Protect Commercial Insurance

NOVEMBER 15, 2024

– Workers’ Compensation Insurance : Provides for employees in case of workplace injuries or illnesses. – Cyber Insurance : With the rise of digital threats, this insurance is essential to protect against data breaches and cyber attacks.

Commercial Insurance

Zywave

SEPTEMBER 25, 2024

And while many states have fee schedules in place that help control medical cost categories, shifts in the type and volume of medical services provided, combined with increased injury and illness severity have impacted overall medical claim costs. This article is based on a series of pieces originally published in Zywave’s Content Cloud.

Workers Compensation

Jackson & Jackson

MAY 23, 2024

Companies that rely heavily on technology and data storage may also benefit from cyber liability insurance to safeguard against data breaches and cyberattacks. It not only protects employees but also shields employers from potential lawsuits related to workplace injuries.

Small Business Insurance

Jackson & Jackson

MAY 22, 2024

Additionally, it can provide coverage for business interruption, tenant improvements, and liability claims arising from third-party injuries or property damage on the premises. It protects against perils like fire, explosions, storms, and other risks outlined in the policy.

Property Insurance

ProWriters

APRIL 17, 2024

When you think about cyber risks, you probably think about the dangers malware attacks, data breaches, and other incidents pose to your business clients’ operations, revenue, and reputation. But cyber threats can pose risks to not only sensitive data but also to physical safety. Several carriers now offer bodily injury coverage.

Cyber

Protect Commercial Insurance

MAY 30, 2024

In this article, we will explore different types of insurance coverage that can help safeguard your business from property damage, liability claims, cyber threats, and more. General liability insurance provides coverage for injuries or property damage that occur on your business premises or as a result of your business operations.

Cyber

ProWriters

JANUARY 9, 2024

Substantial Risk of Future Injury Qualifies for Standing” In the past, many data breach lawsuits were dismissed due to the plaintiffs’ lack of standing. Plaintiffs had to demonstrate they suffered actual injury as a result of the breach. Alleged Injuries Arising from the Risk of Future Harm Are Concrete” In August 2023, the 2nd U.S.

Cyber

Frankenmuth Insurance

SEPTEMBER 19, 2024

A day’s delay is better than an avoidable accident or injury. Cyber threats , including data breaches, ransomware, and phishing attacks, can compromise sensitive information, disrupt business operations, and harm your reputation. Be mindful of the weather. Risk #3: Reputation/legal action. When it comes to business, reputation matters.

Risk

Risk Management Monitor

OCTOBER 25, 2022

In the cyber market, larger ransom payouts are becoming regular and the costs to buy insurance, negotiate ransomware, and rebuild after a breach are all rising, but the need for more experts is also likely to present challenges as wage inflation rises.

Risk