TGS

FEBRUARY 28, 2025

What if that charming house has a history of costly water damage, roof issues, or even fire damage? This is where a loss history report comes inits like a propertys report card for past insurance claims. A loss history report provides a record of insurance claims filed on a property, typically over the past five to seven years.

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MARCH 10, 2025

While adding these items to a property or package policy might seem convenient, museums face unique exposures that such generalized policies often fail to address. A stand-alone Fine Art & Collectibles insurance policy is designed to provide museums with comprehensive coverage of the items and their vulnerabilities.

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Boyle Agency Insurance

FEBRUARY 3, 2025

Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods. Builder’s Risk Insurance For major renovations or construction projects, builder’s risk insurance can be invaluable.

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Protect Commercial Insurance

APRIL 11, 2025

Image courtesy: Unsplash Definition and Overview Commercial property insurance is a type of insurance designed to protect your business premises and the contents within from loss or damage. This type of policy covers a wide array of potential hazards, including fire, theft, vandalism, and certain natural disasters.

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Jackson & Jackson

NOVEMBER 16, 2024

Ensuring your business has the right insurance policies is not just a smart decision—it’s essential for long-term success. Here are the top 6 insurance policies every IT business in California should have to safeguard their operations. General Liability Insurance Even in a digital world, physical risks exist.

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Distinguished

APRIL 29, 2025

Environmental hazards, coupled with the challenges of managing tenants, make landlord insurance an essential investment. Without the right safeguards in place, landlords could face significant financial losses from damages, legal claims, or lost rental income. Crime insurance: Covers financial losses from theft or vandalism.

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ProWriters

FEBRUARY 23, 2025

China’s quest for “independence from the West” has led it to conduct state-sponsored campaigns of “cyber espionage and intellectual property theft,” Lior Div told cyber security firm ExtraHop. The gray zone poses significant challenges for not only legal frameworks but also insurance policies.

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APRIL 21, 2025

The damage is extensive, and tenants are forced to relocate while repairs are underway. Without the right insurance, the landlord absorbs the full financial hit not just from repairs but also from lost rental income. Building ordinance: Helps landlords cover expenses for meeting updated building codes after damage.

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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. That’s why it’s crucial to consider other insurance policies to protect your business comprehensively.

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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.

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TGS

SEPTEMBER 6, 2023

TGS Insurance » Blog Do You Need to Tell Your Homeowners Insurance About Home Renovations? When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. However, for many home renovation projects, you will need to inform your insurance agent.

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Freeway Insurance

JANUARY 3, 2025

Many insurance professionals recommend taking steps now to handle a possible increase when you renew your insurance policy. What’s Causing the 2025 Insurance Boost in California? One of the primary reasons for the 2025 California car insurance increase is legislative. 1, 2025 is here.

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TGS

DECEMBER 13, 2024

A slip, a loss, or even theft? Thats where jewelry insurance steps in. Thats why standalone jewelry insurance existsto provide comprehensive protection for the items that mean the most to you. What Does Jewelry Insurance Cover? Jewelry insurance can help replace the item, even if its never found. The hotel safe?

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Paragon Independent Insurance Agencies

OCTOBER 31, 2024

Prevent External Damage One of the most essential benefits of a carport or a garage is the external damage prevention you have on your vehicle. Leaving it in the sun exposed to the elements can damage your vehicle. A carport will prevent sun damage, but it doesn’t eliminate all weather, like an enclosed garage.

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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.

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Mark Jackson Insurance Agency

MAY 21, 2024

While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home.

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Paragon Independent Insurance Agencies

JUNE 28, 2024

Then, adjust your insurance policy accordingly. Your residential insurance policy can list the items you invest in. The insurance coverage will protect against unforeseen damage and theft. Be aware that some events may not be included in a standard insurance policy.

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Jackson & Jackson

MARCH 18, 2024

However, just like any valuable possession, protecting them with the right insurance policy is crucial. In this guide, we will explore the importance of luxury handbag insurance, its coverage, how to choose the right policy, and the steps to insure your cherished bags. “What Does Handbag Insurance Cover?”

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Provided that add-ons are part of the lease.

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Maritime Insurance International

JUNE 5, 2020

While every policy is different, in most cases, homeowner’s insurance policies only offer limited coverage for boats. In this post, we’ll walk you through everything you need to know about whether or not homeowner’s insurance covers boats and the advantages of purchasing a dedicated boat insurance policy instead.

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Paragon Independent Insurance Agencies

SEPTEMBER 30, 2024

Ensure your tiny house is insured against theft and damage. Begin by conducting a comprehensive home assessment, then select residential coverage to include in your insurance policy. Home Insurance Like any other residence, a tiny home is eligible for various types of home insurance coverage.

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Paragon Independent Insurance Agencies

SEPTEMBER 16, 2024

Liability Insurance Liability coverage protects you against legal costs that could disrupt your business. Protection against damage and theft shields you from financial losses that could affect your business sales. In essence, having comprehensive insurance coverage is indispensable.

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Property Insurance Centre

MAY 20, 2024

Consequences of Underinsurance In the event of a claim on the block insurance policy , the insurer or its appointed loss adjuster may check to see that the Declared Value is adequate. If it is not, they may rely upon a clause within the insurance policy called Average, Average Condition, or Underinsurance.

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SEPTEMBER 25, 2024

Job sites that are under construction are prone to things like fire, theft, and vandalism. All of which can cost their property or business owners millions of dollars in losses without adequate insurance coverage. This is why the popularity of Builder’s Risk insurance is growing. This is where Builder’s Risk becomes essential.

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AUGUST 5, 2024

However, if your clients have been lucky enough to come across a rare Illustrator Pikachu Card ( worth over $550,000 ) or a vintage Boba Fett toy ( worth over $500,000 ), they’re going to need an insurance policy that properly covers them. This means a specialized collectibles policy. How Do You Insure a Toy Collection?

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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.

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TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Conversely, homes further inland or in areas with lower crime rates often benefit from lower insurance costs. The more risks your area poses, the more your insurance company will charge to protect you.

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Property Insurance Centre

MARCH 11, 2025

Some insurers might impose higher excesses or refuse coverage in high-risk flood zones. Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas. Insurers often require extra security measures like CCTV, secure entry systems, and alarm monitoring.

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JULY 22, 2024

Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. What is Collectibles Insurance?

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Jackson & Jackson

JANUARY 9, 2024

Cyber Insurance, encompassing Data Breach and Cyber Liability coverage, is no longer optional but a critical component of a comprehensive risk management strategy. Understanding Cyber Insurance: Cyber Insurance protects businesses from the repercussions of online threats. A ransomware attack encrypts vital company data.

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Protect Commercial Insurance

NOVEMBER 15, 2024

Designed to protect your business from unforeseen risks, commercial insurance can offer the peace of mind you need to focus on what truly matters—growing your business and serving your clients. – Liability Insurance : Protects businesses against claims of negligence or harm caused by their products or services.

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Protect Commercial Insurance

NOVEMBER 22, 2024

Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. A single incident can be financially crippling, but insurance shields you from unprecedented risks. Investing in the right policy can save you a lot of money in the long run.

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Commercial Insurance Commercial Cyber Insurer 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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Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

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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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TGS

DECEMBER 4, 2024

And if your tree includes built-in lights, inspect the wiring for any signs of wear or damage. Replace damaged strings immediately. Artificial trees should be stored in a cool, dry place to prevent damage and prolong their life. When shopping for an artificial tree, look for one labeled as “fire-resistant” or “flame-retardant.”

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DECEMBER 2, 2024

However, they also face unique risks, from vandalism and weather damage to transport and installation challenges. Our Fine Art and Collectibles Program offers public art insurance that is designed to safeguard these cultural treasures, ensuring they can continue to inspire and engage for generations to come.

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