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FEBRUARY 24, 2025

Whether it is a major fire or foodborne illnesses , restaurants in Charlotte and North Carolina need comprehensive insurance coverage to help them financially recover from unexpected and financially devastating events. General liability insurance: Coverage for legal claims related to customer injuries or property damage.

Liability 52

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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. Property Damage : Traditional cyber policies typically don’t cover physical damage caused by cyber events.

Liability Insurance 52

Liability Insurance Cyber Liability Property Damage 52

Distinguished

MARCH 20, 2025

Apartment buildings present unique insurance challenges because of their dense living arrangements, high occupancy turnover, and shared spaces. These incidents can lead to lawsuits costing thousands of dollars in legal fees, not to mention potential damages if your client is found liable.

Building 52

Building Protection Damage Insurance 52

Freeway Insurance

JANUARY 3, 2025

One of the primary reasons for the 2025 California car insurance increase is legislative. On January 1, 2025, California raised its minimum liability insurance requirements, nearly doubling the mandatory coverage for bodily injury and property damage. 1, 2025 is here.

Auto Insurance 98

Auto Insurance Premium Liability Insurance 98

Protect Commercial Insurance

MAY 24, 2024

While you may have the basic insurance policies in place, such as property and general liability insurance, there are several other essential insurance policies that you might be overlooking. In this article, we will explore five often overlooked insurance policies that can provide valuable coverage for your business.

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Jackson & Jackson

NOVEMBER 16, 2024

Here are the top 6 insurance policies every IT business in California should have to safeguard their operations. Professional Liability Insurance (Errors & Omissions Insurance) For IT consultants, developers, or tech startups, mistakes can happen. One oversight could lead to costly lawsuits.

Insurance Policy 52

Insurance Policy Policy General Liability Workers Compensation Insurance 52

Paragon Independent Insurance Agencies

NOVEMBER 15, 2024

Here in Plano, TX, Paragon Independent Insurance Agency aims to simplify this process by breaking down essential terms you need to know to protect your business effectively. Understanding General Liability Insurance General liability insurance is a must-have for any business.

Business Insurance 40

Business Insurance Business Interruption Professional Liability Insurance General Liability 40

LexisNexis

APRIL 1, 2025

Indemnity and Other Risk Allocation Mechanisms in Commercial Leases Examine common considerations concerning the use of indemnity provisions in a lease as a method to allocate among the parties the risk of claims for injury or damage to third parties related to the leased premises and adjacent areas.

Commercial General Liability 40

Commercial General Liability General Liability Commercial Liability 40

Boyle Agency Insurance

JULY 19, 2024

Property Casualty Insurance is insurance that combines protection for property owned by you, such as a house, or personal possessions, and liability insurance for if you ever cause an accident that injures another person or damages another person’s property.

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Mark Jackson Insurance Agency

MAY 21, 2024

The Crucial Role of Liability Coverage One of the main concerns for any business, including those based at home, is liability. Commercial liability insurance protects against claims resulting from injuries or damages to people or property during business operations.

Liability 52

Liability Business Interruption Home Insurance Professional Liability Insurance 52

Protect Commercial Insurance

NOVEMBER 15, 2024

There are several types that cater to different aspects of a business: – Property Insurance : This covers physical assets like buildings, equipment, and inventory against damages. – Liability Insurance : Protects businesses against claims of negligence or harm caused by their products or services.

Commercial Insurance 52

Commercial Insurance Commercial Protection Business Interruption 52

Paragon Independent Insurance Agencies

MAY 27, 2024

These events may include property damage, liability claims from work-related injuries, break-ins, or business interruption. Protection of Business Property Commercial insurance protects all business property, including buildings on the land, equipment in the yard, inventory, and other assets owned by the company.

Commercial Insurance 40

Commercial Insurance Commercial Protection Business Interruption 40

Cover4LetProperty

OCTOBER 1, 2024

While landlord insurance typically isn’t a legal requirement, if you have a mortgage on the property, then in most cases you will be legally obliged to ensure you have (at the very least) adequate landlords buildings insurance to protect both you and your mortgage provider’s financial interests in the property.

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Insurance Insurer Insured Injury 60

Mark Jackson Insurance Agency

NOVEMBER 22, 2024

While your business may only operate for part of the year, risks like property damage, liability claims, or equipment theft don’t follow a calendar. Having the right insurance policies in place ensures your business is protected even during the offseason. Start by evaluating your specific risks.

Business Interruption 52

Business Interruption Theft Liability Insurance 52

TGS

JANUARY 6, 2025

Under the updated law, North Carolina drivers will now be required to carry the following minimum liability insurance limits: $50,000 for bodily injury per person (up from $30,000) $100,000 for bodily injury per accident (up from $60,000) $50,000 for property damage (up from $25,000) These increases aim to reflect the rising costs of medical care and (..)

Auto Insurance 52

Auto Insurance Insurance Insurer Insured 52

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. Each type of insurance offers a safety net against specific hazards.

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

Protect Commercial Insurance

NOVEMBER 22, 2024

Long-term Financial Benefits While the upfront cost of commercial insurance might seem high, consider the long-term savings and financial security it provides. Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. Each policy has specific inclusions and exclusions.

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Commercial Insurance Commercial Cyber Insurance 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks. By having landlord insurance, property owners can safeguard their investment and ensure a steady stream of rental income, even in the face of unexpected occurrences.

Home Insurance 52

Home Insurance Out-Of-Pocket Insurance Insurer 52

ProWriters

APRIL 3, 2024

E&O is a subset of Professional Liability Insurance. 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.

Liability 52

Liability Cyber Claim Policy 52

Protect Commercial Insurance

JULY 26, 2024

Here are a few key areas to consider: Property Insurance Your tailoring business likely has valuable equipment, such as sewing machines, cutting tables, and fabric inventory. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils.

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Commercial Insurance Broker General Liability Business Interruption 52

Cover4LetProperty

DECEMBER 1, 2023

Tenant-related issues Home insurance: Typically does not address issues related to tenants, as it is not designed for rental situations. Landlord insurance: Addresses specific risks associated with renting, such as tenant damage to the property. How can I be sure I have the correct type of insurance?

Home Insurance 52

Home Insurance Insurance Insurer Insured 52

Property Insurance Centre

JANUARY 30, 2024

Block of flats insurance primarily consists of buildings insurance , which is a requirement imposed by the leases for the individual flats. This type of insurance is designed to safeguard the physical structure of the property, providing financial protection in the event of damage or loss due to various risks.

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SEPTEMBER 25, 2024

Vandalism : Intentional damage to the job site by third parties, including things like broken glass or graffiti. Property damage : Damages to the building that is being constructed or renovated. Equipment : Covers damages to or theft of equipment used on the job site.

Risk 52

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Property Insurance Centre

MAY 20, 2024

This could mean that if the property is insured for 50% of its correct rebuilding cost, the insurer only pays 50% of the claimed amount. damage caused by a leak). The clause or condition of the block of flats insurance policy may vary between insurers. This can apply to a total loss (e.g. cleaner or gardener).

Building 52

Building Insurance Insurer Insured 52

Cover4LetProperty

JANUARY 21, 2023

Those differences help to explain why landlords cannot simply use one of the very many standard home insurance policies on the market to protect the bricks and mortar and the contents of residential property which is currently let to tenants.

Insurance 52

Insurance Insurer Insured Damage 52

Protect Commercial Insurance

NOVEMBER 8, 2024

Understanding Commercial Insurance Commercial insurance is an essential part of safeguarding your business against unforeseen events that could lead to financial loss. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries.

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Commercial Insurance Commercial Premium Deductible 52

Distinguished

SEPTEMBER 10, 2024

Our Builder’s Risk program is a comprehensive insurance solution that covers under-construction properties and their works sites against all the most common risk factors. Our program also offers your clients general liability insurance, which can help cover legal costs that can occur on work sites. 

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Risk General Liability Broker-Agent Insurance 52

Property Insurance Centre

JANUARY 4, 2024

Weather Conditions and Natural Disasters Since 1980, there have been 360 weather- and climate-related natural catastrophes , resulting in damages and costs of over $2.57 Unpredictable weather events and the rise in natural catastrophes pose significant challenges for the property insurance industry.

Property Insurance 52

Property Insurance Commercial Property Liability Insurance 52

Jackson & Jackson

MAY 23, 2024

Understanding Small Business Insurance in California The Basics of Business Insurance Before diving into the world of insurance savings, it’s crucial to understand the basics of business insurance. Small business insurance covers property damage, liability claims, and employee-related risks.

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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.

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Broker General Liability Liability Insurance 52

ProWriters

APRIL 17, 2024

Contingent bodily injury cyber attacks can cause physical harm, directly or indirectly. One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. Cyber Liability for Bodily Injury: Some Examples How might a cyber incident end up causing bodily harm?

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LexisNexis

DECEMBER 10, 2024

This survey covers state law on the issue of faulty workmanship as an occurrence for purposes of coverage determination under a commercial general liability (CGL) policy. Generally, an insured's work product is not covered, but defective workmanship that causes property damage is covered.

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General Liability Liability Commercial General Liability Liability Insurance 40

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. Let’s dive in and discover the insurance options that are essential for your business’s protection.

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Cyber Business Insurance Business Interruption Professional Liability Insurance 52

New Jersey Workers' Comp

JANUARY 13, 2025

An employee cannot bring a civil suit against an employer or a co-employee alleging bodily injury. The plaintiff then filed a personal injury complaint in civil court against SIR, seeking money damages and naming his employer as a defendant. b]odily injury intentionally caused or aggravated by [the employer].

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ProWriters

JANUARY 9, 2024

And increasingly, plaintiffs pursue damages in “no-harm” class action lawsuits. In these situations, no evidence the plaintiffs’ compromised, sensitive data was used improperly or caused damage exists. Plaintiffs had to demonstrate they suffered actual injury as a result of the breach.

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American Agents Alliance

AUGUST 22, 2024

The legislation, effective January 1, 2025, will increase the current minimum of $15,000 per claimant and $30,000 per occurrence for bodily injury, and $5,000 for property damage (15/30/5), to $30,000 per claimant, $60,000 per occurrence for bodily injury, and $15,000 for property damage (30/60/15).

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Auto Insurance Agents Broker-Agent Property Damage 40

Cover4LetProperty

AUGUST 23, 2022

What doesn’t buy-to-let insurance cover? Most landlord insurance policies are unlikely to include the employers’ liability insurance cover you are legally obliged to arrange if you employ anyone (but for a few rare exceptions) to help run your buy to let business.

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