Distinguished

MAY 6, 2025

For brokers, understanding inland marine insurance isnt just beneficial; its a strategic advantage for serving clients with unique risks. Unlike standard property insurance, which only covers fixed locations, this specialized coverage protects mobile assets across various industries. Who Needs Inland Marine Insurance?

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Inland Marine Insurance Inland Marine Marine Insurance 40

Shield Insurance Agency

AUGUST 20, 2024

As a result, the insurance company may raise your premiums to offset the potential risk. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts. Additionally, small claims often require you to pay a deductible.

Insurance Claim 52

Insurance Claim Claim Protection Out-Of-Pocket 52

Risk Management Monitor

AUGUST 30, 2021

Ida has now weakened to a tropical storm and will continue to cut through the south before making its way across much of the East Coast, bringing significant risks of wind, rain and inland flooding throughout this week. Be sure to assess your risk and execute the appropriate steps to protect your business, property and employees.

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Risk Damage Building Business Interruption 74

Distinguished

DECEMBER 16, 2024

Protecting these assets in the state requires specialized insurance solutions considering earthquake and wildfire risks. Our program provides all-risk worldwide coverage for direct physical damage like fire and theft of personal collections of any size.

Protection 52

Protection Underwriter Underwriting Risk 52

Distinguished

DECEMBER 16, 2024

Protecting these assets in the state requires specialized insurance solutions considering earthquake and wildfire risks. Our program provides all-risk worldwide coverage for direct physical damage like fire and theft of personal collections of any size.

Protection 52

Protection Broker-Agent Inland Marine Underwriter 52

TGS

DECEMBER 13, 2024

TGS Insurance Blog Jewelry Insurance: Protecting More Than Precious Metals Imagine this: Youve just said yes to the perfect engagement ring, inherited a priceless family heirloom, or splurged on that necklace youve admired for years. At its core, jewelry insurance is a specialized form of coverage designed to protect your valuables.

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Protection Theft Insurance Insurer 52

Distinguished

SEPTEMBER 17, 2024

We sat down with Distinguished’s Builder’s Risk insurance expert, Susan DeCarlo, to discuss common factors that can lead to declinations in our program, how to avoid them, and key risk considerations. So, for example, on a new build if they’re 30 to 60 days in, we can consider that risk.

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Risk Broker-Agent Deductible Insurance 52

Distinguished

APRIL 14, 2025

But with value comes risk, and standard homeowner insurance policies frequently fall short when it comes to protecting one-of-a-kind instruments. Transit-related risks : Whether traveling for appraisals, exhibitions, or repairs, rare guitars face an increased risk of loss, theft, or damage and many policies wont cover transit losses.

Insurance 52

Insurance Insurer Insured Policy 52

Boyle Agency Insurance

DECEMBER 3, 2024

Younger, less experienced drivers often face higher premiums due to a higher perceived risk. Deductibles The deductible is the amount you must pay out of pocket before your insurance coverage kicks in after an accident. Age and Gender Age and gender can influence auto insurance rates.

Premium 73

Premium Auto Insurance Out-Of-Pocket Deductible 73

AMAXX

JANUARY 14, 2025

Workers’ compensation programs are a cornerstone of workplace safety and risk management. Exclusivity: Protection Against Lawsuits One of the most significant benefits of workers compensation for employers is the exclusive remedy provision. Lets dive deeper into these aspects.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Injury 98

Freeway Insurance

JANUARY 3, 2025

These drivers are often seen as higher risk by insurers, which can lead to higher premiums even before the 2025 hike. These changes provide more protection for drivers involved in accidents but also place a greater financial burden on insurers, who will pass those costs on to consumers in the form of higher premiums.

Auto Insurance 98

Auto Insurance Premium Liability Insurance 98

American Agents Alliance

APRIL 3, 2025

Consider if: Coverage limits are sufficient to cover higher labor costs and material prices Increasing the deductible to offset premium increases makes sense Additional coverage or endorsements may be helpful to close any protection gaps identified in the policy review Advocate for policyholders with insurers.

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Agents Policyholder Premium Auto Insurance 52

Jackson & Jackson

APRIL 29, 2024

This article outlines practical tips and strategies to help commercial property owners in California minimize their insurance expenses while maintaining adequate protection for their investments. Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums.

Commercial Property 52

Commercial Property Property Insurance Commercial Deductible 52

Distinguished

DECEMBER 2, 2024

However, they also face unique risks, from vandalism and weather damage to transport and installation challenges. At Distinguished, we understand that protecting public art requires specialized coverage tailored to its unique exposures.

Deductible 52

Deductible Broker-Agent Insurance Insurer 52

Frankenmuth Insurance

JULY 25, 2024

They’ll get to know you, your operations, and any areas of risk or need. Then, they’ll get the right protection in place for you from a reputable carrier for more peace of mind. Does my small business face any unique risks? What are the coverage limits and deductibles? Can I adjust my deductible down the road?

Agents 57

Agents Deductible Premium Claim 57

TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. The more risks your area poses, the more your insurance company will charge to protect you. Home’s Age and Condition Older homes can be charming, but they often come with hidden risks.

Premium 52

Premium Deductible Out-Of-Pocket Insurance 52

Frankenmuth Insurance

JANUARY 16, 2025

As your business grows, so can your risks, making it essential to review, reassess, and possibly adjust your insurance policy each year. Were breaking down the key steps in the business insurance renewal process so you can feel confident youre covered, protected, and getting the best value for your policy. Youve asked questions.

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Business Insurance Agents Policy Insurance 81

Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. Adequate insurance coverage ensures that your business is fully protected against potential risks that could harm its financial health.

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. As a tailor, you face unique risks that require specific coverage. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. Regular policy reviews help you stay protected.

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Commercial Insurance Broker General Liability Broker 52

Leadsurance

NOVEMBER 19, 2024

Because every company assesses risk differently, this leads to a difference in price over the same coverage. Just remember, when comparing apples with apples in terms of the level of coverage as well as deductibles, make sure you are actually doing so compared with other quotes.

Home Insurance 52

Home Insurance Premium Deductible Insurance 52

Majesco

MARCH 27, 2025

The traditional insurance customer relationship is being re-examined and, in some cases, re-energized by the need to address higher risk and higher premiums. Are insurers ready to capitalize on the impact of todays customer tipping points at the same time they protect the customer relationships?

Auto Insurance 52

Auto Insurance Insurance Insurer Insured 52

Scott Insurance

JANUARY 28, 2022

Risk Management Considerations There are many factors that come into play when considering the environmental conditions that lead to the growth of mold. The primary area where there is opportunity to implement proactive risk management practices is related to moisture.

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General Liability Deductible Liability Property Damage 52

Jackson & Jackson

MAY 23, 2024

You have poured your heart and soul into your venture, and it’s only natural that you want to protect it. Small business insurance covers property damage, liability claims, and employee-related risks. It acts as a safety net, protecting your business from unexpected events that can cause financial hardship.

Small Business Insurance 52

Small Business Insurance Business Insurance Insurance Insurer 52

Shield Insurance Agency

APRIL 19, 2024

This coverage pays for damages to your vehicle regardless of fault, meaning that even if you are at fault for the accident, your insurance will cover the repair costs up to the actual cash value of your vehicle, minus your deductible. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in.

Auto Insurance 52

Auto Insurance Deductible Out-Of-Pocket Insurance 52

Triple-I: Workers Compensation

APRIL 20, 2021

This isn’t the first time the act – which would protect banks from federal penalties for doing business with cannabis-related businesses that comply with state laws – has made it through the House. Without legislative change, banks and insurers can’t do business with business without risking running afoul of federal drug laws.

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Risk Workers Compensation Commercial General Liability Liability 40

Jackson & Jackson

MAY 22, 2024

However, with great opportunities come great risks. Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. It protects against perils like fire, explosions, storms, and other risks outlined in the policy.

Property Insurance 52

Property Insurance Commercial Property Commercial Insurance 52

Triple-I: Business Insurance

OCTOBER 1, 2024

Another way the insurance industry would be affected is from losses from coverage protecting against adverse business costs of events, such as strikes. These coverages include, but are not limited to, business interruption, political risk, credit, supply-chain insurance, and some marine and cargo.

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Insurance Industry Business Interruption Commercial Property Commercial 52

Distinguished

JULY 22, 2024

However, the very qualities that make collectibles so precious also expose them to unique risks. Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble.

Insurance 52

Insurance Insurer Insured Policy 52

Distinguished

JANUARY 28, 2025

With the proper knowledge and expertise, you can help protect your clients’ personal and corporate assets, attract top talent to their boards, and ensure compliance with contractual requirements. Why Do Clients Need Management Liability Insurance?

Liability Insurance 52

Liability Insurance Liability Broker-Agent Insurance 52

Distinguished

JANUARY 28, 2025

With the proper knowledge and expertise, you can help protect your clients’ personal and corporate assets, attract top talent to their boards, and ensure compliance with contractual requirements. Why Do Clients Need Management Liability Insurance?

Liability Insurance 52

Liability Insurance Liability Broker-Agent Insurance 52

Cover4LetProperty

JANUARY 29, 2024

Essentially, insurance is about risk and a calculation of the probability of loss or damage being suffered by the insured item or items. Risk is assessed with respect to the likelihood of loss or damage leading the insured to make a claim, since the settlement of claims paid out to the insured represent a liability for the insurer.

Home Insurance 52

Home Insurance Insurance Insurer Insured 52

ProWriters

APRIL 3, 2024

Today’s dynamic business environment and litigious society pose several risks to businesses. As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. Both types of policies involve legal liabilities and are important.

Liability 52

Liability Cyber Claim Policy 52

Jackson & Jackson

APRIL 28, 2024

This article outlines the top five mistakes property investors make with insurance and provides practical tips on avoiding them, ensuring your investments are adequately protected. Specialized risks, such as floods, earthquakes, and business interruptions, require additional coverage, which many investors should pay more attention to.

Business Interruption 52

Business Interruption Out-Of-Pocket Expense Out-Of-Pocket Broker-Agent 52

American Agents Alliance

SEPTEMBER 4, 2024

However, many California homeowners overlook a key aspect of protecting their equity: earthquake insurance. The Earthquake Risk The Northridge earthquake of 1994 struck the densely populated San Fernando Valley in southern California, U.S., Understanding the role of deductibles is crucial in making an informed decision.

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Deductible Insurance Insurer Insured 40

Protect Commercial Insurance

OCTOBER 25, 2024

This approach ensures that you choose a policy that doesn’t just tick boxes but genuinely covers your specific risks and requirements. What are the specific risks associated with your industry? Every industry comes with its own set of risks. How much coverage do you need to fully protect your assets?

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

TGS

SEPTEMBER 11, 2023

TGS Insurance » Blog With hurricane season in full force, South Carolina residents living on the coast must protect their homes from the upcoming storms. Understanding how windstorm insurance works in these areas is the first step in adequately protecting your home. The law protects all land designated “beach” by the legislature.

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Insurance Insurer Insured Out-Of-Pocket 52

Maritime Insurance International

MARCH 3, 2020

That said, the risks that boat owners face are not that different from the risks of owning a car. Given the risks you face, boat insurance can be a wise purchase to help protect your investment. Boating Risks: The Need for Coverage There are many risks associated with owning a boat. Towing Accidents.

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Insurance Insurer Insured Premium 40