Distinguished

MAY 19, 2025

Why Restaurant Need a Business Owners Policy Restaurants are fast-paced, high-risk environments that face frequent challenges from customer injuries and equipment breakdowns to power outages and spoiled inventory. BOPs also typically offer a more cost-effective approach for small to mid-sized restaurants than other insurance options.

Policy

LexisNexis

JULY 1, 2025

Allocation of Latent Injury and Damage Claims State Law Survey Examine the method adopted in each of the 50 states and the District of Columbia of allocating damages for latent bodily injury and property damage claims, which are also called long tail or continuous injury or damage claims.

Policy

AMAXX

MAY 13, 2025

Total Recordable Incident Rate (TRIR) Why it matters: TRIR, an OSHA metric, tracks how often injuries happen. How to calculate it: (Number of OSHA recordable injuries 200,000) total hours worked by all employees. If youre significantly higher, prioritize injury prevention before focusing on post-injury systems.

Workers Comp

Distinguished

MARCH 20, 2025

Other common violations include sanitation and plumbing issues , such as leaking pipes that lead to water damage and mold growth, as well as problems with sewage and drainage systems. These legal factors are critical when it comes to determining liability in cases where unresolved violations have led to damages or injuries.

Broker

AMAXX

MAY 27, 2025

Set benchmarks, monitor performance, and proactively train your supervisors and staff before the next injury occurs. Establish a clear baseline for each new hire so you can manage future injuries more accurately. Believing Workers Comp Is Just a Cost of Doing Business This mindset is perhaps the most damaging.

Workers Comp

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

Insurance Journal

JUNE 6, 2025

According to the federal storm events database, there were no injuries, but it caused $10,000 in property … 5, 2025, at about 2:35 in the afternoon, the first severe hailstorm of the season dropped quarter-size hail in Chatham, Mississippi.

Damage

Protect Commercial Insurance

MAY 9, 2025

From unforeseen damage to potential customer mishaps, there’s a lot to consider to keep your business running smoothly. Insurance helps protect those investments from potential losses due to theft, fire, or other damages. Introduction Hello, savvy UK business owners!

Liability Insurance

AMAXX

JUNE 17, 2025

The Return-to-Work Ratio measures the percentage of injured employees who return to work within 0–4 days of the injury. You can’t act on them until the damage is already done. Stack is the creator of Injury Management Results (IMR) software and founder of Amaxx Workers’ Comp Training Center.

Workers Comp

AMAXX

JULY 15, 2025

When it comes to workers’ compensation costs, few topics spark more debate—and confusion—than the question: Which is worse for my experience mod: many small injuries or one big one? One catastrophic accident might be a fluke, but frequent minor injuries usually aren’t. Prevent injuries before they happen. Why the split?

Workers Comp

Protect Commercial Insurance

JUNE 20, 2025

Here are some key components typically included: – Property Insurance : Protects the physical premises and its contents from damage or loss due to incidents like fire, flood, or vandalism. – Public Liability Insurance : Protects against claims made by third parties for injuries or damages occurring on your office premises.

Protection

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

Simply Insurance

JUNE 28, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

American Agents Alliance

JUNE 12, 2025

Flood and Surface Water Coverage Although homeowners are becoming more aware of policy limitations after recent high-profile claims denials, many still assume their homeowner’s policy covers all types of water damage. Many policyholders will need this type of coverage given the digital nature of most businesses.

Claim

Mark Jackson Insurance Agency

JUNE 16, 2025

Not Getting Proof of Insurance from Vendors or Subcontractors If a subcontractor causes damage or injury, your business could be held liable if that subcontractor is not properly insured. How to avoid it: Ask about a home-based business endorsement or a standalone business policy that protects your equipment, liability, and income.

Commercial Insurance

TGS

MARCH 4, 2025

Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. 10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone elses property in an accident. Why Do People Risk Driving Without Insurance in Florida?

Auto Insurance

Protect Commercial Insurance

JULY 18, 2025

It’s not about doing something on purpose – it’s about carelessness that leads to damage. And finally, there must be damages – a real injury or financial loss. Even if you never intended harm, a single incident can lead to hefty legal fees, compensation payouts, reputational damage and higher premiums in future.

Liability

Simply Insurance

JUNE 23, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Distinguished

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. These legal factors are critical when it comes to determining liability in cases where unresolved violations have led to damages or injuries.

Building

Simply Insurance

JUNE 15, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

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

Triple-I: Homeowners Insurance

MAY 27, 2025

The reforms include stricter limits on damages, clearer standards for expert testimony, and other procedural changes designed to restore balance to the courts while reducing financial burdens on Louisiana families and businesses.

Injury

TGS

MARCH 17, 2025

Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt. Its got two main parts: bodily injury liability and property damage liability. Bodily injury liability picks up the tab for the other persons injuries if youre at fault, up to your policys limits.

Auto Insurance

AMAXX

JULY 10, 2025

The New Hire Injury Spike: By the Numbers Multiple studies back up what many employers already suspect: 35% of all workplace injuries happen in the first year. New hires in the first month are at 4–6 times greater risk of injury than longer-term employees. 44% of construction injuries hit first-year workers.

Injury

Simply Insurance

JUNE 17, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JUNE 12, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. Property Damage Standard rental insurance includes this sort of coverage to repair or replace your property after a covered loss, such as fire, vandalism, or natural calamity.

Insurance Quotes

Simply Insurance

JUNE 10, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. Property Damage Standard rental insurance includes this sort of coverage to repair or replace your property after a covered loss, such as fire, vandalism, or natural calamity.

Insurance Quotes

Simply Insurance

JULY 17, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JULY 18, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JULY 18, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Simply Insurance

JUNE 9, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. Property Damage Standard rental insurance includes this sort of coverage to repair or replace your property after a covered loss, such as fire, vandalism, or natural calamity. Who Should Buy Minnesota Rental Insurance?

Insurance Quotes

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

Simply Insurance

JUNE 17, 2025

Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Dwelling Coverage This type of coverage is used to repair or rebuild your home when damage from a covered loss to the physical structure of your home happens.

Home Insurance

Paragon Independent Insurance Agencies

JUNE 16, 2025

This means that if something goes wrong, such as a fire, water damage, or an injury on the property, your existing coverage may not apply. A traditional homeowners policy is designed for owner-occupied homes, not properties used for rental purposes. Do You Need Landlord Insurance? In most cases, yes.

Insurance Agency

Distinguished

APRIL 23, 2025

Additionally, there will be increased scrutiny for communities that are in the areas surrounding these facilities as there is an increased bodily injury component due to potential impact to humans. The lawsuits are mainly related to bodily injury claims for both workers and people in the surrounding communities who have developed cancer.

Liability

Simply Insurance

JUNE 11, 2025

An Open Peril Policy means your coverage will cover damage caused by anything other than items on the prohibited list. Property Damage Standard rental insurance includes this sort of coverage to repair or replace your property after a covered loss, such as fire, vandalism, or natural calamity.

Insurance Quotes

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