TGS

MARCH 17, 2025

So, lets break it down: what exactly is liability only auto insurance, and what risks are you signing up for if you roll with it? Liability only auto insurance steps in to cover the damage youve done to the other guys car or their medical bills if theyre hurt. What About Other Kinds of Damage? Your own injuries.

Auto Insurance

Distinguished

MAY 19, 2025

Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability. 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.

Policy

Distinguished

MARCH 20, 2025

Additionally, defects in windows, doors, handrails, and stairs not only contribute to drafts and security concerns but also increase the risk of falls. Blocked emergency exits or fire escapes and electrical hazards, including exposed wiring or overloaded circuits, further compound these risks.

Broker

LexisNexis

JULY 1, 2025

Discover how nothing says “legacy risk” like a 1972 occurrence clause. 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.

Policy

Mark Jackson Insurance Agency

MARCH 19, 2025

Brick commercial office building by Binyamin Mellish Expanding your business to a new location is an exciting step toward growth, but it also introduces new risks. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk.

Workers Compensation

American Agents Alliance

JUNE 12, 2025

How to Avoid Coverage Gaps That Can Lead to E&O Claims When meeting with new clients or existing policyholders at renewal time, be proactive and ask about new risks, exposures, and opportunities. Agents should discuss flood coverage with homeowners and explain their risk and the limitations of their standard homeowner policy.

Claim

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

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. 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.

Protection

AMAXX

MAY 13, 2025

Total Recordable Incident Rate (TRIR) Why it matters: TRIR, an OSHA metric, tracks how often injuries happen. It’s a leading indicator of workplace safety and risk exposure. How to calculate it: (Number of OSHA recordable injuries 200,000) total hours worked by all employees. Its both a cost and culture metric.

Workers Comp

Protect Commercial Insurance

MAY 9, 2025

Owning a retail shop or salon can be a thrilling venture, but it also comes with its fair share of risks. 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.

Liability Insurance

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? It’s a measure of risk—the insurer’s way of predicting your future claims based on your past history. Prevent injuries before they happen.

Workers Comp

Triple-I: Homeowners Insurance

JULY 1, 2025

By Lewis Nibbelin, Contributing Writer, Triple-I Analysis based on granular, cutting-edge data is essential to staying ahead in our rapidly shifting risk landscape. leading many homeowners to forgo investing in at-home risk mitigation like smart home telematics. Estimated to exceed $10,000 annually in 2024 – at a 5.9

Risk

TGS

MARCH 4, 2025

At TGS Insurance, were here to help you understand the risks of driving uninsured and why securing the right coverage is a smart move for every Florida driver. Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault.

Auto Insurance

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

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

Mark Jackson Insurance Agency

JUNE 16, 2025

Failing to Update Policies After Business Changes Growing your team, expanding your services, or purchasing new equipment all affect your risk profile. 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.

Commercial Insurance

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

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. Additionally, Electrical Hazards like exposed wiring or unpermitted electrical workpose serious safety risks. Insurers view these violations as signs of deferred maintenance and increased risk.

Building

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. Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls.

Liability

Distinguished

APRIL 23, 2025

Emerging contaminants are chemicals in the environment that have been recently identified as posing a potential risk to the environment or public health. Studies have also shown that long-term exposure to ethylene oxide increases the risk of breast cancer in women. How Can Environmental Insurance Help?

Liability

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

Shield Insurance Agency

MARCH 31, 2025

Running a warehouse in Michigan involves managing a variety of risks, from property damage to employee injuries. Commercial insurance plays a key role in mitigating these risks, providing crucial protection for warehouse operations. These risks can lead to significant financial losses if not properly managed.

Commercial Insurance

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. Even small fires can result in expensive property damage and lengthy closures.

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. Even small fires can result in expensive property damage and lengthy closures.

Liability

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 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

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

Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

Owning a business means taking on risks, but the right insurance coverage can help safeguard your hard work. Identifying Your Business’s Key Risks Different businesses face different challenges. At Paragon Independent Insurance Agency, we provide businesses in the greater Plano, TX area with various commercial insurance products.

Commercial Insurance

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

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

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

Paragon Independent Insurance Agencies

JUNE 16, 2025

When you rent out your property, even for a short period, the risk shifts. 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. What Changes When You Become a Landlord? Do You Need Landlord Insurance?

Insurance Agency

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