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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. General liability : Covers the costs of fighting litigation plus covered damages that might come from it.

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The Property Insurance Law Observer

JULY 29, 2024

Ending a putative class action, the United States Court of Appeals for the Fifth Circuit examined policy language and two statutes to hold that an insurer does not owe sales tax on top of an actual cash value payment. The policyholder’s contract provided: Limit of liability A. The address shown in this policy. July 24, 2024).

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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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Paragon Independent Insurance Agencies

FEBRUARY 28, 2025

It helps cover accidents, repairs, and liability claims, ensuring your business isn’t financially burdened by unexpected incidents. Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations.

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Paragon Independent Insurance Agencies

FEBRUARY 14, 2025

You’ll pay for premiums covering liability, collision, comprehensive, and all the other major categories you would find in a standard auto insurance policy. You can customize a regular auto insurance policy with specific coverage for your high-end vehicle. Theft deterrent devices are another route to lower premiums.

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Protect Commercial Insurance

MAY 24, 2024

As a business owner, it’s crucial to protect your business from potential risks and liabilities. 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.

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OCTOBER 15, 2024

One common question is whether the contractor and the property owner can be named insureds on the same Builder’s Risk policy. The answer lies in both parties’ financial interest in the property and how that impacts the insurance policy’s structure. Property owners may also choose to add Premises Liability coverage to the policy.

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Property Insurance Centre

FEBRUARY 10, 2025

Lets break down the perils typically included in standard policies and additional coverages that businesses might consider. Video Common Perils Covered by Commercial Property Insurance Most commercial property insurance policies cover a broad range of risks, often referred to as “named perils.”

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Freeway Insurance

JANUARY 3, 2025

In 2025, California implemented significant changes to auto insurance minimum liability limits due to Senate Bill 1107. The current average cost of an annual car insurance quote in California for minimum required liability is $670 for minimum required liability*. This is expected to rise to more than $1,000 starting in January.

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FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. Property and Liability products are distributed through a national network of agents and brokers.

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TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

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Property Insurance Centre

MARCH 11, 2025

Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas. Unoccupied flats pose risks like water damage and squatting, which insurers consider when pricing policies. Some insurers might impose higher excesses or refuse coverage in high-risk flood zones.

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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

Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home. The Crucial Role of Liability Coverage One of the main concerns for any business, including those based at home, is liability.

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ProWriters

APRIL 2, 2025

They could use this data themselves in further cyber attacks, including identity theft and phishing campaigns. Yet it only underscores the ongoing need for your business clients to carry Cyber Liability Insurance. Hackers can also steal personal information: Social Security numbers, contact details, and more.

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Protect Commercial Insurance

NOVEMBER 22, 2024

You can choose from a range of policies that include basic coverage to keep costs down. So, there’s a policy out there to suit just about every budget. Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. Each policy is unique and can vary widely in what it covers.

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Property Insurance Centre

MAY 20, 2024

Most policies specifically designed for blocks of flats make provision for inflationary increases each year, with the Declared Value automatically index-linked by the annual percentage shown in the Building Cost Information Service (BCIS) Index provided by the Royal Institute of Chartered Surveyors (RICS). This can apply to a total loss (e.g.

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Protect Commercial Insurance

NOVEMBER 1, 2024

– Liability Insurance : Protects landlords from legal and medical expenses if a tenant or visitor is injured on the property and holds the landlord accountable. By understanding these key areas, landlords can select policies that suit their specific needs and personal situations, ensuring that they aren’t left in a financial lurch.

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SEPTEMBER 25, 2024

Job sites that are under construction are prone to things like fire, theft, and vandalism. Different Builder’s Risk insurance policies vary from one insurance carrier to another.  Theft : Covers the cost of replacing covered items that were stolen from the job site. Who Should be Named in a Builder’s Risk Policy?

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Protect Commercial Insurance

OCTOBER 25, 2024

Introduction When it comes to safeguarding your business, selecting the right insurance policy is crucial. It can be quite a daunting task with so many options out there, and understanding each policy’s intricacies is essential for your peace of mind and financial wellbeing. Every industry comes with its own set of risks.

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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. Implementing strategic insurance methods can help safeguard your business.

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Commercial Insurance Protection Commercial Financial Loss 40

Paragon Independent Insurance Agencies

MAY 27, 2024

Commercial insurance is vital for protecting business property, assets, and operations from various risks and liabilities around Plano, TX. Commercial Insurance Information Commercial insurance consists of policies to safeguard businesses when financial losses are inevitable. Insurance providers offer customizable coverage options.

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Protect Commercial Insurance

JULY 26, 2024

As a tailor, it is crucial to protect your business from potential risks and liabilities. In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Let’s dive in!

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Jackson & Jackson

APRIL 10, 2024

It covers the physical structure of your building and its contents against fire, theft, and some natural disasters. Make sure to understand the specific perils covered by your policy, as not all natural disasters might be included. Liability Insurance Liability insurance is essential for any commercial property owner.

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Commercial Property Commercial Business Interruption Out-Of-Pocket Expense 52

Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. The good news?

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Hunton Andrews Kurth

MARCH 11, 2022

disclosure requirement: An unauthorized incident that has compromised the confidentiality, integrity, or availability of an information asset (data, system, or network), or violated the registrant’s security policies or procedures.

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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. Tailoring Cyber Insurance for Your Needs: Choosing the right Cyber Insurance policy involves deeply understanding your company’s digital risks.

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Paragon Independent Insurance Agencies

NOVEMBER 15, 2024

Understanding General Liability Insurance General liability insurance is a must-have for any business. Whether you face risks like fire, theft, or weather damage, having property insurance ensures you can recover quickly and continue your operations with minimal disruption.

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AUGUST 26, 2024

Under-construction buildings can be prone to fire, vandalism, and theft, which can end up costing their backers and owners millions. However, a general rule of thumb for Builder’s Risk is to expect a policy to cost anywhere from 1-5% of the total project cost. Who Needs to be Insured by a Builder’s Risk Policy?

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SEPTEMBER 10, 2024

Who Needs to be Insured by a Builder’s Risk Policy in Alabama? For a Builder’s Risk policy anywhere in the United States, it’s important everyone with a financial stake in the project be named in the policy. You can learn more about this topic in our guide to who pays for Builder’s Risk.

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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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TGS

DECEMBER 9, 2024

As you merge lives, youll likely merge insurance policies, too. If you dont already have a policy, nows the time to think about it. Policies vary, and the last thing you want is to discover gaps after a storm or break-in. Those are liability magnets, so your coverage should reflect the increased risks.

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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. For most, this will mean a collectibles policy.

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Shield Insurance Agency

MAY 29, 2024

Renter’s Insurance Michigan: Protecting Your Rental Home Renters insurance in Michigan is designed to protect your personal belongings and provide liability coverage in the event of unexpected disasters or accidents. With the right insurance plan, you can rest easy knowing that your valuables are covered.

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Property Insurance Centre

JANUARY 30, 2024

Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats. That’s why it’s essential to choose a specialised block of flats insurance policy that covers the specific needs of your property. Buildings insurance covers the physical structure of the property.

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SEPTEMBER 17, 2024

We can consider weather related claims, but claims of theft, vandalism, and fire, for example, would be an automatic decline. If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. And in those cases, it would be a declination.

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Cover4LetProperty

DECEMBER 1, 2023

Covered risks Home insurance: Typically covers the structure of the home, contents, personal possessions, and liability for the homeowner. Liability Home insurance: Provides liability coverage for the homeowner in case someone is injured on the property. fire, flood) and tenants are unable to occupy the premises.

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