Distinguished

FEBRUARY 24, 2025

Based on our decades of experience in this industry, here are some of the top exposures we see restaurants facing in markets like Charlotte: Fire damage: Fire is a constant risk in hot kitchens, and even a small incident could lead to heavy repair bills and a temporary closure. What Does Distinguisheds Restaurant Insurance Cover?

Liability 52

Liability Liability Insurance Insurer Insurance 52

Property Insurance Centre

MARCH 11, 2025

Greater Risk of Fire and Cladding Issues Following Grenfell Tower , insurers are more cautious about buildings with cladding, especially in London, where many high-rises have fire safety concerns. Higher Crime Rates and Security Concerns London experiences more burglary, vandalism, and theft claims compared to rural or suburban areas.

Risk 52

Risk Insurer Insurance Insured 52

Jackson & Jackson

APRIL 26, 2024

Understanding Commercial Property Insurance Commercial property insurance is designed to cover properties such as office buildings, shopping centers, industrial buildings, and apartments. It provides coverage for physical damage to your property and any loss of income due to business interruption.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

Jackson & Jackson

APRIL 30, 2024

Properties in high-risk zones for these disasters typically see higher insurance rates due to the increased likelihood of damage—especially the Brush Areas in California. To mitigate these risks, consider investing in enhancements like seismic retrofits or fire-resistant building materials.

Commercial Property 52

Commercial Property Property Insurance Commercial Crime 52

Property Insurance Centre

MAY 20, 2024

Importance of Accurate Declared Value It is vital that the block management company ensures the flats are insured for the correct rebuilding cost , as this value can increase each year depending on rising costs of materials and labour, as well as new building regulations. damage caused by a leak). This can apply to a total loss (e.g.

Building 52

Building Liability Insurer Insurance 52

Distinguished

OCTOBER 30, 2024

While Builder’s Risk policies for both types of projects offer similar coverage, such as insuring for damage to the structure from fire, theft, and other covered perils, there are important distinctions between residential and commercial coverage. Limits of up $20 million are available, depending on the construction type and state.

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Commercial Risk Broker-Agent Building 52

Distinguished

SEPTEMBER 25, 2024

Job sites that are under construction are prone to things like fire, theft, and vandalism. Whether it’s a construction project for a single-family home , a mixed-use building , or a commercial property, Distinguished’s Builder’s Risk Program has got it covered. Equipment : Covers damages to or theft of equipment used on the job site.

Risk 52

Risk Broker-Agent Insurer Insurance 52

Distinguished

OCTOBER 15, 2024

Builder’s Risk Insurance covers property during the course of construction, whether it’s a new build or renovation. This could be the contractor, developer, or property owner, depending on who stands to suffer a financial loss if the property is damaged during construction. damage to the structure under construction).

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Policy Risk Broker-Agent Liability 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 Insurer Insurance Insured 52

TGS

OCTOBER 3, 2024

Coastal homes in Florida, for example, face higher premiums due to the increased risk of hurricanes, flooding, and wind damage. Similarly, if the cost of building materials rises—something we’ve seen in recent years—insurance costs could also increase. It makes sense, right?

Premium 52

Premium Deductible Out-Of-Pocket Insurer 52

Mark Jackson Insurance Agency

MAY 21, 2024

Commercial liability insurance protects against claims resulting from injuries or damages to people or property during business operations. This means that the equipment, inventory, and tools crucial to your business operations might not be covered under a standard policy in the event of damage or theft.

Liability 52

Liability Business Interruption Professional Liability Insurance Home Insurance 52

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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Commercial Insurance Commercial Protection Business Interruption 40

Distinguished

AUGUST 26, 2024

Under-construction buildings can be prone to fire, vandalism, and theft, which can end up costing their backers and owners millions. Distinguished’s Builder’s Risk Program covers all kinds of buildings in Michigan, including single-family homes , mixed-use buildings , and commercial properties.

Risk 52

Risk Broker-Agent Insurer Insurance 52

Distinguished

SEPTEMBER 10, 2024

This includes projects that involve: Betterments Renovations New Construction We also insure a variety of building types, including single-family homes , mixed-use buildings , and commercial properties. Distinguished’s Builder’s Risk program insures a variety of the most common construction projects. Register with us.

Risk 52

Risk General Liability Broker-Agent Insurer 52

Paragon Independent Insurance Agencies

NOVEMBER 15, 2024

It covers legal expenses and damages related to accidents, injuries, or negligence claims on your business premises. The Importance of Property Insurance Property insurance covers your business’s physical assets, such as buildings, equipment, and inventory.

Business Insurance 40

Business Insurance Business Interruption Professional Liability Insurance General Liability 40

Property Insurance Centre

NOVEMBER 11, 2024

Insurers, do not however, look on negatively when a customer claims for substantial damage when they need genuine help. Think about security – The safer a property is from theft and the better the deterrent, often will lead to lower premiums, reasonable excesses and generally better terms.

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Insurer Insurance Insured Premium 52

Property Insurance Centre

JANUARY 30, 2024

Block of flats insurance typically focuses on buildings insurance , which covers the physical structure of the property. In addition to buildings insurance , it is also important to consider additional covers such as public liability, landlord home emergency , and legal cover. What is Block of Flats Insurance?

Building 52

Building Insurer Insurance Insured 52

Cover4LetProperty

NOVEMBER 3, 2024

At first glance, there might seem little difference between a dwelling in which the owner occupier lives and one that is let to a tenant – despite the difference in tenure, both are homes, with a building and its contents broadly vulnerable to similar risks and perils. Residential Let Legal Expenses and Optional Rent Protection.

Insurer 40

Insurer Insurance Insured Home Insurance 40

Cover4LetProperty

JANUARY 21, 2023

Why won’t standard home building and contents cover suffice, for example? What matters to insurers, of course, is the question of risk – what is the likelihood of the insured property suffering loss or damage and the insurer having to pay out on a claim as a result? So, why is specialist landlord insurance necessary?

Insurer 52

Insurer Insurance Insured Damage 52

Cover4LetProperty

DECEMBER 1, 2023

Landlord insurance: Includes coverage for the structure of the building, landlord’s fixtures and fittings, contents (if the property is rented furnished), liability protection, and may also cover loss of rental income. Landlord insurance: Addresses specific risks associated with renting, such as tenant damage to the property.

Home Insurance 52

Home Insurance Insurer Insurance Insured 52

Property Insurance Centre

DECEMBER 23, 2024

Having a Fully maintained Theft Alarm Having a Fire Alarm Having Grilles & Shutters on ground floor accessible windows CCTV both internally and externally Anti ram raid road bollards These may be some of the more common protections that most of us will have heard of. So it is essential you check urgently if you have not done so already.

Commercial Property 52

Commercial Property Insurer Insurance Insured 52

Protect Commercial Insurance

NOVEMBER 22, 2024

Without insurance, your business could face catastrophic financial loss from property damage, theft, or a lawsuit. Some protect against property damage, while others focus more on liability issues. For instance, standard commercial insurance might cover damages from a fire, but do you have coverage for theft or cyber-attacks?

Commercial Insurance 52

Commercial Insurance Commercial Cyber Insurer 52

ProWriters

JULY 25, 2024

AT&T Telecommunications company AT&T suffered a massive breach that exposed almost all of its 109 million customers to an increased risk of identity theft. Legal repercussions, financial hits, and damaged reputations are just the tip of the iceberg. Transparency builds trust and mitigates long-term reputational damage.

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Protection Cyber Damage Broker 53

Protect Commercial Insurance

NOVEMBER 15, 2024

There are several types that cater to different aspects of a business: – Property Insurance : This covers physical assets like buildings, equipment, and inventory against damages. Having the right commercial insurance can be the difference between surviving a financial storm and facing irreversible damage.

Commercial Insurance 52

Commercial Insurance Commercial Protection Business Interruption 52

Jackson & Jackson

MAY 22, 2024

It covers property damage, loss of income, liability claims, etc. With the right insurance coverage, investors can mitigate financial losses resulting from unforeseen events such as fires, storms, theft, or vandalism. A comprehensive insurance policy that includes essential coverage, such as fire, theft, and liability, is crucial.

Property Insurance 52

Property Insurance Commercial Property Commercial Insurer 52

Property Insurance Centre

AUGUST 8, 2024

Even with a building becoming an unoccupied office , there will be some important conditions that one must comply with, to ensure you remain on the right side of the insurance company. Essentially, the cover you lost will re re-applied to your office buildings policy – such as theft or malicious damage for example will no longer be excluded.

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Insurer Insurance Insured Premium 52

Protect Commercial Insurance

MAY 24, 2024

General Liability Insurance General liability insurance is a fundamental policy that covers your business against claims of bodily injury, property damage, and personal injury. In this article, we will explore five often overlooked insurance policies that can provide valuable coverage for your business.

Insurance Policy 52

Insurance Policy Protection Policy Business Interruption 52

TGS

OCTOBER 25, 2024

Every year your home grows older, it becomes more prone to issues such as plumbing leaks, electrical faults, or roof damage—all of which can lead to costly insurance claims. This is directly linked to inflation, which affects everything from the price of building materials to labor.

Home Insurance 52

Home Insurance Premium Insurer Insurance 52

Property Insurance Centre

AUGUST 28, 2024

Some insurers may give cover to the likes of a Convenience Store for example, but will remove theft cover or malicious damage cover, without an adequate alarm system in place.

Insurer 52

Insurer Insurance Insured Property Insurance 52

Protect Commercial Insurance

OCTOBER 25, 2024

Think about the everyday operations of your business: – Are there physical locations that require protection from natural disasters or theft? – Property Insurance : Protects physical assets from perils like fire, theft, and vandalism. – Do you handle sensitive customer data?

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

Protect Commercial Insurance

JUNE 27, 2024

For example, a small retail shop could face severe repercussions from events such as fire, theft, or customer injuries on premises. It’s also tied specifically to disruptions caused by direct physical loss or damage, such as from natural disasters or accidents. Commercial insurance offers particularly critical protections here.

Commercial Insurance 52

Commercial Insurance Commercial Cyber Business Interruption 52

Protect Commercial Insurance

MAY 30, 2024

In this article, we will explore different types of insurance coverage that can help safeguard your business from property damage, liability claims, cyber threats, and more. It provides financial compensation to repair or replace damaged property, ensuring that your business can quickly recover from unexpected events.

Cyber 52

Cyber Business Insurance Business Interruption Professional Liability Insurance 52

Cover4LetProperty

AUGUST 23, 2022

It is no longer possible to rely on the owner-occupier home buildings and contents policy that previously offered you protection – you will need to get a fresh quote for specially formulated insurance for landlords. How is let property insurance different from home insurance?

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Insurer Insurance Insured Property Insurance 40

Cover4LetProperty

JANUARY 4, 2023

Some landlords – and some insurance providers – are uncomfortable letting to tenants on low incomes, as they worry that those on benefits may fail to keep up on their rental payments or cause malicious damage.

Insurer 52

Insurer Insurance Insured Damage 52

Protect Commercial Insurance

MARCH 14, 2025

These can include damage due to fires, break-ins, vandalism, and certain natural disasters. Key components typically include: – Building Coverage : Protects the physical structure of your business property, including walls, roof, fixtures, and fittings. – Fire Damage : Covers repairs and replacements after a fire.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

TGS

JANUARY 28, 2025

Stick to Local Building Codes Renovation projects must comply with your local building codes. Secure the Renovation Area A renovation zone can attract risks like theft or accidents. Water damage is one of the most common home insurance claims, so taking preventive steps here is key. Ready to Renovate?

Home Insurance 52

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