Top Insurance Blogs

JULY 10, 2025

Spilled chemicals, contaminated groundwater and soil damage are some of the common causes of pollution. In my years […] The post Environmental Liability Insurance for Small Businesses in Germany appeared first on My Top Insurance Blogs.

Liability Insurance

Boyle Agency Insurance

APRIL 4, 2025

Imagine a scenario where a contractor accidentally damages your property or a worker gets injured while working on your home. It ensures that the contractor is financially equipped to handle damages or injuries that may occur on-site. Without proper insurance, you could be held liable.

Property Damage

Shield Insurance Agency

JUNE 19, 2025

Protection Against Financial Loss It covers unexpected costs related to accidents, natural disasters, theft, lawsuits, and property damage, minimizing the financial impact of unforeseen events and helping to pay for costly damages and legal claims.

Business Insurance

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. Here’s why it’s crucial: – Financial Protection : In the event of loss or damage, the costs can be exorbitant.

Commercial Property

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

LexisNexis

JULY 29, 2025

By Carla Rydholm | Lex Machina General Manager and Head of Product The Lex Machina® 2025 Damage Awards Report provides a comprehensive overview of damage-award trends in United States federal district and circuit courts. Practice areas differ wildly in terms of changes in damage awards.

Damage

Distinguished

MAY 19, 2025

From kitchen fires and equipment breakdowns to liability claims and utility outages, restaurants operate in an environment where a single incident can lead to costly interruptions or legal exposure. General Liability Coverage Restaurants are high-traffic spaces. What is a Business Owners Policy (BOP)?

Policy

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Property damage liability claims per 100 insured vehicles are 15 percent higher, and relative body injury claims frequency is 60 percent higher. The five-year average count for liability claims increased 24.9 Rising claim frequency and litigation costs put coverage affordability and availability at risk.

Commercial General Liability

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. Landlord insurance which covers both liability and property damageis particularly sensitive to housing violations. Yes, indeed.

Broker

Simply Insurance

JUNE 28, 2025

How Much Is Aircraft Mechanic Liability Insurance? Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Drone Insurance Drone Insurance Quotes Pilot Insurance Pilot Insurance Quotes How Much Is Student Pilot Insurance?

Home Insurance

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. Many types of business insurance, such as Employers Liability Insurance, are legally required in the UK.

Liability Insurance

Boyle Agency Insurance

FEBRUARY 3, 2025

It provides coverage for property damage and theft of building materials during the renovation process. A safe renovation environment can help prevent liability claims on your insurance. Hire Licensed Contractors: Ensure that contractors and workers are licensed and insured to minimize liability risks.

Home Insurance

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

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

Simply Insurance

JUNE 11, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In West Virginia?

Insurance Quotes

Mark Jackson Insurance Agency

JUNE 16, 2025

Overlooking Liability Exposures Not all liability is covered by a standard general liability policy. How to avoid it: Ask about a home-based business endorsement or a standalone business policy that protects your equipment, liability, and income. We can help explore different options to find the right fit.

Commercial Insurance

Mark Jackson Insurance Agency

MARCH 19, 2025

From property protection to liability coverage, ensuring your business insurance policies align with your expansion is critical. Without the right coverage, unforeseen challenges—such as property damage, employee injuries, or legal issues—could put your investment at risk. This coverage is required in most states.

Workers Compensation

Protect Commercial Insurance

JUNE 6, 2025

This essential coverage acts as a safety net, protecting your investments from unexpected setbacks like theft, damage, or natural disasters. Definition and Scope Commercial property insurance is a policy designed to protect businesses from financial losses related to damage or destruction of their physical assets.

Commercial Property

Simply Insurance

JUNE 12, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In Wyoming?

Insurance Quotes

Scott Insurance

FEBRUARY 19, 2025

If heavy machinery is used in proximity to the existing apartment buildings, it raises the potential for accidents or property damage. This increases costs and can even lead to insurer disputes in the event of a claim if the insurers disagree on whose insured property was damaged. Consider a scenario where a rehab is underway.

Underwriting

American Agents Alliance

JUNE 12, 2025

Discuss these often-overlooked risks with policyholders: Cyber Liability for Small Businesses Commercial clients of any size can be targets for cyber attacks. Personal Injury Losses in General Liability Policies An endorsement is often needed for personal and advertising injury in CGL policies as some afford coverage but with exclusions.

Claim

Property Insurance Centre

FEBRUARY 24, 2025

How a Liability Claim Can Ruin Your Business And How to Protect Yourself No matter how well you run your business, a single liability claim can have devastating consequences. From financial losses to reputational damage, legal battles, and even the risk of shutting down, the impact can be severe.

Liability

TGS

JUNE 11, 2025

Flood Damage: Not Covered by Standard Policies Here’s the big one. Most homeowners don’t realize that standard home insurance does not cover flood damage. Many insurers in hurricane-prone areas carve out windstorm damage from standard home insurance. Windstorm Exclusions in Coastal Areas Live near the coast?

Home Insurance

Distinguished

MARCH 6, 2025

Along with this, mold and water damage often due to leaking pipes, poor ventilation, or roof damageposes serious health hazards if not promptly repaired. Landlord insurance which covers both liability and property damageis particularly sensitive to housing violations. Pest infestations are also widespread. Yes, indeed.

Building

Simply Insurance

JUNE 23, 2025

How Much Is Aircraft Mechanic Liability Insurance? Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Drone Insurance Drone Insurance Quotes Pilot Insurance Pilot Insurance Quotes How Much Is Student Pilot Insurance?

Home Insurance

TGS

JUNE 18, 2025

In fact, many homeowners assume they’re covered… until a guest damages their property or gets hurt, and the claim gets denied. It’s built to protect your home, belongings, and liability as long as you’re the primary resident. The answer isn’t always simple. What About “Occasional” Rentals? What About Airbnb’s “Host Guarantee”?

Home Insurance

Simply Insurance

JUNE 12, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In North Carolina?

Insurance Quotes

Simply Insurance

JUNE 10, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In New Hampshire?

Insurance Quotes

Distinguished

JUNE 2, 2025

Harsh winters, severe storms, aging infrastructure, and liability claims can all turn a profitable property into a financial setback without proper insurance. Some of the most common claims we see in the state include: Frozen pipes in winter that cause water damage to basements or walls. But with that opportunity comes exposure.

Liability

Simply Insurance

JUNE 15, 2025

How Much Is Aircraft Mechanic Liability Insurance? Home insurance covers your personal property and liability if you are legally liable for injuries or damages caused to someone else. Drone Insurance Drone Insurance Quotes Pilot Insurance Pilot Insurance Quotes How Much Is Student Pilot Insurance?

Home Insurance

Specialty Insurance

JULY 22, 2025

Navigating the Complex Landscape of Trustee E&O Insurance for Beneficiary-Trustees When beneficiaries serve as trustees of family trusts, they face unique liability challenges that significantly impact insurance coverage options.

Damage

Simply Insurance

JUNE 9, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In Minnesota?

Insurance Quotes

LexisNexis

JULY 22, 2025

ISO Form CG 00 65 04 13 (Commercial General Liability - Electronic Data Liability Coverage Form) Dive into the Insurance Services Office (ISO) form addressing an insurer’s payment of the sums an insured becomes legally obligated to pay as damages because of "loss of electronic data" to which the insurance applies.

Insurance Policy

Simply Insurance

JUNE 10, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In Maryland?

Insurance Quotes

Rough Notes

JULY 1, 2025

Navigating gaps between faulty workmanship and contractors professional liability By Natalie Sherod, CPCU, CRM, CIC Faulty workmanship and contractors professional liability (CPrL) exposures continue to challenge construction firms and insurance advisors alike. CGL policies exclude damage […]

Commercial General Liability

Distinguished

MARCH 19, 2025

Mold & Water Damage are also major concerns; leaks or excessive moisture can lead to mold growth that poses health risks. Landlord insurance which covers both liability and property damageis particularly sensitive to housing violations. Are there specific types of insurance that are more sensitive to these housing violations?

Building

Simply Insurance

JUNE 10, 2025

How Much Is Aircraft Mechanic Liability Insurance? However, bear in mind that the final price will vary for all landlords depending on where you reside, your building, liability coverage options, your credit history, deductible, and other plan options. What Type Of Liability Coverage Should A Landlord Carry In Louisiana?

Insurance Quotes