TGS

MARCH 4, 2025

Specifically, drivers need: $10,000 in Personal Injury Protection (PIP) : Covers medical expenses for you and your passengers, regardless of whos at fault. 10,000 in Property Damage Liability (PDL): Pays for damage you cause to someone elses property in an accident. Why Do People Risk Driving Without Insurance in Florida?

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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. How Much Does Restaurant Insurance Cost in Charlotte?

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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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Protect Commercial Insurance

SEPTEMBER 20, 2024

Introduction to Liability Insurance for UK Tradespeople and Contractors If you’re a tradesperson or contractor in the UK, navigating the world of liability insurance can seem a bit daunting. Whether you’re fitting kitchens or fixing roofs, liability insurance provides a safety net.

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Jackson & Jackson

JANUARY 10, 2024

In California’s vibrant technology sector, understanding the scope of your Cyber Liability Insurance and Data Breach Coverage is as crucial as having the coverage itself. The Gaps in Cyber Insurance: Cyber Liability Insurance and Data Breach Coverage are designed to protect against various cyber threats, but they have limitations.

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New Jersey Workers' Comp

JULY 19, 2024

The other part is referred to as the Employer’s Liability section of the policy and pertains to civil lawsuits arising from work injuries filed by employees against their employers. She filed both workers’ compensation claims for these injuries. 74 Industries argued that they conflicted.

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Scott Insurance

FEBRUARY 10, 2023

Given the increasing number of projects, our team has determined the following liability considerations and risk management strategies. Contractual risk transfer shifts liabilities and associated costs from one party or its insurer to another party or its insurer. The insurer will require appropriate contractual risk transfer.

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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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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.

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Mark Jackson Insurance Agency

OCTOBER 16, 2024

Umbrella insurance is designed to offer an extra layer of liability protection, stepping in when your standard insurance coverage limits have been reached. Why You Might Need Umbrella Insurance The primary purpose of umbrella insurance is to protect your assets from large lawsuits or liability claims.

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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?

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Top Insurance Blogs

FEBRUARY 20, 2024

A proof that you have purchased Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance must be presented before you can be allowed to register a vehicle with at least four wheels in Florida.

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LexisNexis

APRIL 1, 2025

Risk Allocation in Commercial Contracts Review how parties can allocate risk by incorporating a force majeure clause, an indemnification, a limitation on liability, termination rights, a Uniform Commercial Code (UCC) product warranty, detailed payment terms and guaranties, insurance obligations, and other contractual remedies.

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TGS

NOVEMBER 18, 2024

This is in stark contrast to at-fault states, where the driver who caused the accident (or their insurance) is typically responsible for covering damages. In a no-fault state like Florida, every driver is required to carry Personal Injury Protection (PIP) coverage. Why Do No-Fault States Exist? What Happens in Serious Accidents?

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Mark Jackson Insurance Agency

MAY 21, 2024

The Crucial Role of Liability Coverage One of the main concerns for any business, including those based at home, is liability. Commercial liability insurance protects against claims resulting from injuries or damages to people or property during business operations.

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Liability Business Interruption Professional Liability Insurance Home Insurance 52

Boyle Agency Insurance

JULY 19, 2024

Property Casualty Insurance is insurance that combines protection for property owned by you, such as a house, or personal possessions, and liability insurance for if you ever cause an accident that injures another person or damages another person’s property.

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Protect Commercial Insurance

NOVEMBER 1, 2024

Its primary purpose is to protect landlords from financial loss stemming from tenant-related incidents, property damage, and other rental-specific risks. – Liability Insurance : Protects landlords from legal and medical expenses if a tenant or visitor is injured on the property and holds the landlord accountable.

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Jackson & Jackson

NOVEMBER 16, 2024

Professional Liability Insurance (Errors & Omissions Insurance) For IT consultants, developers, or tech startups, mistakes can happen. Professional Liability Insurance protects your business against claims of negligence, errors, or omissions that result in financial losses for your clients.

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Insurance Policy Policy General Liability Workers Compensation 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.

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LexisNexis

FEBRUARY 4, 2025

Read now » Related Content Allocation of Latent Injury and Damage Claims State Law Survey Examine the method used across the 50 states and the District of Columbia for allocating damages for latent bodily injury and property damage claims, sometimes called long-tail or continuous injury or damage claims.

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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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LexisNexis

JANUARY 28, 2025

Learn about discovery and coverage issues and cases involving damages to construction projects and the ways to prove who was at fault. Read now » Related Content Design and Construction Defect Claims: Overview and Defense Strategies Discover the basics of a defect claim against a designer or contractor.

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LexisNexis

JANUARY 28, 2025

Learn about discovery and coverage issues and cases involving damages to construction projects and the ways to prove who was at fault. Read now » Related Content Design and Construction Defect Claims: Overview and Defense Strategies Discover the basics of a defect claim against a designer or contractor.

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Commercial General Liability General Liability Property Damage Injury 40

Cover4LetProperty

OCTOBER 1, 2024

Renting out a property comes with many potential risks—damage caused by tenants, legal liability for injuries that happen on the property, or loss of rental income due to unexpected events like a fire or flood. Landlord liability insurance Property owner’s liability comes as standard with all our landlord insurance policies.

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Distinguished

OCTOBER 15, 2024

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. Instead, a contractor’s operations liability should be covered by a separate Contractor’s General Liability policy. damage to the structure under construction).

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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. It covers legal expenses and damages related to accidents, injuries, or negligence claims on your business premises. It provides them with benefits if they suffer work-related injuries or illnesses.

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Business Insurance Business Interruption Professional Liability Insurance General Liability 40

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. If you rely on expensive equipment, such as snowplows, food trucks, or heavy machinery, comprehensive coverage that protects against damage and theft is crucial year-round.

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TGS

NOVEMBER 1, 2024

Immediately after the accident, check yourself and your passengers for injuries. It’s also important to remember that injuries aren’t always obvious right away—adrenaline can mask pain, so be cautious even if you feel okay at first. Avoid standing in the middle of the road or putting yourself in harm’s way while assessing the damage.

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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.

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TGS

JANUARY 6, 2025

The previous minimum liability limits have been in place for years and are no longer sufficient to cover the average costs associated with auto accidents. Drivers are encouraged to consider higher liability limits, along with comprehensive and collision coverage, to ensure they are fully protected.

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ProWriters

APRIL 3, 2024

Both types of policies involve legal liabilities and are important. Understanding E&O Insurance Errors and Omissions (E&O) Insurance is liability coverage protecting professionals against claims for negligence, errors, or mistakes made in the course of their work. E&O is a subset of Professional Liability Insurance.

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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. – Liability Insurance : Protects businesses against claims of negligence or harm caused by their products or services.

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Commercial Insurance Commercial Protection Business Interruption 52

Mark Jackson Insurance Agency

JUNE 17, 2024

In the event of a workplace injury or illness, this insurance ensures that employees are not left to cope with the financial burden of medical bills and lost wages on their own. Firstly, it limits an employer's liability for work-related injuries and illnesses, protecting the business from potentially crippling legal costs and settlements.

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Workers Compensation Insurance Workers Compensation Compensation Workers Comp 52

Distinguished

SEPTEMBER 25, 2024

Vandalism : Intentional damage to the job site by third parties, including things like broken glass or graffiti. Property damage : Damages to the building that is being constructed or renovated. Equipment : Covers damages to or theft of equipment used on the job site.

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Maritime Insurance International

JUNE 5, 2020

Most home insurance policies offer two main types of coverage: property damage and personal liability. Personal liability coverage provides financial protection for events where another person is injured and you are determined to be at fault. Most home policies typically only offer around $1,000 max for boat property damage.

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Jackson & Jackson

APRIL 26, 2024

It provides coverage for physical damage to your property and any loss of income due to business interruption. Key Coverages for California Property Investors Property Damage : Covers damage to your buildings and contents caused by fire, theft, vandalism, and natural disasters.

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Commercial Property Property Insurance Commercial Business Interruption 52

Mark Jackson Insurance Agency

SEPTEMBER 9, 2024

From helmets to high-top boots, each piece of equipment plays a vital role in protecting riders from the elements and minimizing injuries during accidents. Ear Protection: Safeguarding Your Hearing Prolonged exposure to wind and engine noise can lead to hearing damage. Look for eyewear that is shatterproof and offers UV protection.

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