Distinguished

MAY 19, 2025

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

Policy 40

Policy Business Owners Policy General Liability Liability 40

Distinguished

APRIL 29, 2025

Although cities like Denver, Boulder, and Colorado Springs have thriving real estate markets, owning rental properties still comes with risks, making rental property insurance essential. Hailstorms , winter storms, and tenant-related liabilities can lead to significant financial losses if landlords are not properly insured.

Liability 52

Liability Financial Loss Insurer Insurance 52

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. The Importance of Retail Shop & Salon Insurance Image courtesy: Pexels Running a retail shop or salon involves a certain level of risk, just like any other business. Introduction Hello, savvy UK business owners!

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Liability Insurance Business Interruption Liability Insurer 40

Property Insurance Centre

MAY 2, 2025

Business Owners not only have to think about insuring their stock or contents, but will also have to consider having the correct Liability Cover on the policy. Employers Liability is normally covered up to 10,000,000 and will ensure you have insurance in the event of an accident at work where an employee alleges you have been negligent.

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Insurer Insurance Insured Policy 52

Distinguished

APRIL 21, 2025

However, with opportunity comes risk: property damage, liability claims, and unexpected financial losses can quickly turn a profitable investment into a costly liability. Properties near major rivers also face flooding risks. Crime insurance: Safeguards against theft, fraud, and vandalism.

Broker 52

Broker Liability Broker-Agent Building 52

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. Businesses that handle customer data should consider cyber liability insurance to protect against data breaches and cyber threats.

Commercial Insurance 40

Commercial Insurance Commercial Insurance Agency General Liability 40

American Agents Alliance

MAY 15, 2025

While fun, these activities can increase summertime risks for policyholders. Learn how agents can help clients understand these heightened risks and plan for a safe and fun time. How Agents Can Help Policyholders Manage Summertime Risks Here are five common summertime risks and how agents can help policyholders manage these exposures.

Risk 52

Risk Policyholder Broker-Agent Cyber 52

Protect Commercial Insurance

APRIL 11, 2025

This type of policy covers a wide array of potential hazards, including fire, theft, vandalism, and certain natural disasters. Having coverage structured according to your specific needs and risks is not just a precautionit’s a powerful business strategy. Not every potential risk is covered under a standard policy.

Commercial Property 52

Commercial Property Property Insurance Commercial Insurer 52

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 52

Building Protection Damage Insurer 52

Distinguished

SEPTEMBER 25, 2024

An increase in construction also means an increase in financial risk. Job sites that are under construction are prone to things like fire, theft, and vandalism. This is why the popularity of Builder’s Risk insurance is growing. What Does Distinguished’s Builder’s Risk Cover?

Risk 52

Risk Broker-Agent Insurer Insurance 52

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. In 2025, California implemented significant changes to auto insurance minimum liability limits due to Senate Bill 1107. This is expected to rise to more than $1,000 starting in January.

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Auto Insurance Premium Liability Insurer 98

Distinguished

OCTOBER 15, 2024

Builder’s Risk Insurance covers property during the course of construction, whether it’s a new build or renovation. One common question is whether the contractor and the property owner can be named insureds on the same Builder’s Risk policy. Property owners may also choose to add Premises Liability coverage to the policy.

Policy 52

Policy Risk Broker-Agent Liability 52

Distinguished

FEBRUARY 10, 2025

It covers fine art, sports cards, handbags, and other collections, up to $125 million on a single risk as the primary or excess layer or on a quota-share basis. 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.

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Distinguished

SEPTEMBER 10, 2024

From hurricanes on the Gulf Coast to rapid urban development in cities like Birmingham and Huntsville, the need for comprehensive Builder’s Risk Insurance has never been more critical. To address these diverse risks, Distinguished’s Builder’s Risk Program offers tailored solutions for Alabama’s construction needs.

Risk 52

Risk General Liability Broker-Agent 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. Loss experience.

Risk 52

Risk Broker-Agent Deductible Insurer 52

Distinguished

AUGUST 26, 2024

However, alongside all of this construction comes large financial risks. Under-construction buildings can be prone to fire, vandalism, and theft, which can end up costing their backers and owners millions. For this reason, the need for comprehensive Builder’s Risk Insurance solutions is growing.

Risk 52

Risk Broker-Agent Insurer Insurance 52

Property Insurance Centre

MAY 19, 2025

Standard Perils can include cover for Fire, Lightning, Earthquake, Aircraft, Explosion, Theft, Malicious Damage, Storm, Flood, Riot, Civil Commotion, Escape of Water, Impact (by falling trees, vehicles or animals, Subsidence, Landslip or Heave. The limit can be increased from the standard 2m up to 5m, for an additional premium.

Commercial Property 52

Commercial Property Commercial Insurer Insurance 52

Property Insurance Centre

FEBRUARY 10, 2025

#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.” Some policies, however, offer “all-risk” coverage, which protects against all perils except those specifically excluded.

Commercial Property 52

Commercial Property Property Insurance Commercial Boiler and Machinery 52

Distinguished

OCTOBER 30, 2024

Builder’s Risk insurance is critical for residential and commercial construction projects, as it covers the property during construction or renovation. Commercial projects also often involve higher-risk factors, particularly when renovating existing properties such as restaurants, office buildings, or retail stores.

Commercial 52

Commercial Risk Broker-Agent Building 52

Jackson & Jackson

NOVEMBER 16, 2024

Running an IT business in California comes with unique risks and challenges. Professional Liability Insurance (Errors & Omissions Insurance) For IT consultants, developers, or tech startups, mistakes can happen. Cyber Liability Insurance Cyberattacks are on the rise, especially for IT businesses handling sensitive client data.

Insurance Policy 52

Insurance Policy Policy General Liability Workers Compensation Insurance 52

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. Start by evaluating your specific risks. Commercial liability insurance is another must-have, as accidents can happen during both active and slower periods.

Business Interruption 52

Business Interruption Theft Liability Insurer 52

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.

Insurance Policy 52

Insurance Policy Protection Policy Business Interruption 52

Protect Commercial Insurance

NOVEMBER 1, 2024

Unlike standard home insurance, which is tailored for owner-occupied homes, landlord insurance is crafted to address risks associated with renting out your property. Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks.

Home Insurance 52

Home Insurance Out-Of-Pocket Insurer Insurance 52

Triple-I: Workers Compensation

APRIL 20, 2021

Without legislative change, banks and insurers can’t do business with business without risking running afoul of federal drug laws. The CLAIM Act would let these businesses obtain insurance to cover the same risks of theft, damage, injury, loss, and liability as all other businesses.

Risk 40

Risk Workers Compensation Commercial General Liability Liability 40

Protect Commercial Insurance

NOVEMBER 22, 2024

The cost of commercial insurance is generally based on several factors, such as the type and size of your business, its location, and the specific risks involved. Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. Small businesses face their own unique set of risks.

Commercial Insurance 52

Commercial Insurance Commercial Cyber Insurer 52

Jackson & Jackson

JANUARY 9, 2024

In an era where data is as valuable as currency, the risk of cyber threats looms more significant than ever, particularly for technology companies. Cyber Insurance, encompassing Data Breach and Cyber Liability coverage, is no longer optional but a critical component of a comprehensive risk management strategy.

Cyber 52

Cyber Broker-Agent Liability Insurer 52

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.

Liability 52

Liability Business Interruption Home Insurance Professional Liability Insurance 52

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. These events may include property damage, liability claims from work-related injuries, break-ins, or business interruption. It is critical to understand how to determine what is covered.

Commercial Insurance 40

Commercial Insurance Commercial Protection Business Interruption 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. – Is there a high level of professional liability in your operations?

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

Hunton Andrews Kurth

MARCH 11, 2022

If adopted, the new rules would impose substantial new reporting obligations with respect to material cybersecurity incidents and cybersecurity risk management, strategy, and governance for both domestic and foreign private issuers subject to the reporting requirements under the Securities Exchange Act of 1934. Key Definitions.

Risk 106

Risk Policy Theft Cyber 106

Protect Commercial Insurance

MAY 23, 2025

This essential coverage acts as a safety net, shielding your business from unexpected risks and financial pitfalls. The insurance covers unforeseen events like fire, theft, or vandalism, making it an essential safety net. Having the right liability insurance is key to protecting your business from unforeseen legal challenges.

Business Interruption 40

Business Interruption Liability Liability Insurance Damage 40

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 Insurer Insurance Insured 52

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.

Business Insurance 40

Business Insurance Business Interruption Professional Liability Insurance General Liability 40

Cover4LetProperty

DECEMBER 1, 2023

It takes into account the unique risks associated with renting out a property. Covered risks Home insurance: Typically covers the structure of the home, contents, personal possessions, and liability for the homeowner. Landlord insurance: Addresses specific risks associated with renting, such as tenant damage to the property.

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Protect Commercial Insurance

NOVEMBER 8, 2024

It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations.

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.

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

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. Another critical component of risk mitigation during uncertain times is investing in commercial insurance, which we will delve into next.

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Commercial Insurance Commercial Protection Business Interruption 52