The Property Insurance Law Observer

SEPTEMBER 23, 2024

American Guarantee and Liability Insurance Company , the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute “direct physical loss of or damage” to equipment covered under an all-risk property insurance policy. [1]

Damage 130

Damage Business Interruption Property Damage Policy 130

Paragon Independent Insurance Agencies

DECEMBER 16, 2024

As cyberattacks become increasingly prevalent worldwide, it’s crucial for business owners and commercial investors in Plano, TX, to consider cyber liability insurance. Some cyber liability insurance policies also provide mitigation support when tackling negative publicity.

Commercial Property 40

Commercial Property Liability Insurance Cyber Liability 40

Property Insurance Centre

FEBRUARY 24, 2025

How to Protect Your Business Get Comprehensive Insurance Ensure you have general liability insurance, professional indemnity insurance, and workers compensation if applicable. Incorporate Your Business Structure your business as a Limited Liability Company (LLC) or Corporation to protect personal assets.

Liability 52

Liability Protection Claim Property Insurance 52

ProWriters

OCTOBER 2, 2024

As an insurance broker, you likely recognize that while these technologies drive business operations, they also increase vulnerability to cyber crime, making Cyber Insurance a necessity for your clients. Helping your clients understand cyber risks and Cyber Insurance policy jargon can be challenging.

Insurance Broker 86

Insurance Broker Cyber Broker Protection 86

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. This can apply to a total loss (e.g. damage caused by a leak).

Building 52

Building Insurance Liability Insured 52

Mark Jackson Insurance Agency

FEBRUARY 18, 2025

Cyber liability insurance , once considered a specialized coverage, is becoming an essential policy for businesses that use AI to store sensitive information or automate critical tasks. Companies should review their insurance policies to ensure adequate coverage.

Business Insurance 52

Business Insurance Liability Cyber General Liability 52

ProWriters

NOVEMBER 12, 2024

One of the best ways to help your clients mitigate the financial risks of healthcare data breaches is by quoting and selling them a strong, comprehensive Cyber Liability Insurance policy. Watch our Cyber U video about why healthcare organizations need Cyber Insurance. Show it to your healthcare clients.

Cyber 87

Cyber Liability Insurance Protection Liability 87

ProWriters

SEPTEMBER 1, 2024

Have your business clients assessed their cyber risk recently and obtained adequate Cyber Liability Insurance? Drawing your clients’ attention to current cyber threats may be a way to help them understand the importance of Cyber Insurance and motivate them to purchase it through you.

Cyber 97

Cyber Liability Insurance Risk Liability 97

Mark Jackson Insurance Agency

MAY 21, 2024

While operating a business from home offers convenience and flexibility, it also necessitates careful consideration of insurance needs. Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home.

Liability 52

Liability Business Interruption Professional Liability Insurance Home Insurance 52

Insurance Journal

JULY 25, 2024

Pennsylvania National Mutual Casualty Insurance Co. cannot escape the long tail of asbestos, and must cover part of the litigation losses for an asbestos installation company that went out of business more than 30 years ago, the South Carolina Supreme …

Casualty Insurance 278

Casualty Insurance Insurance Insured Insurer 278

Friendly Agent

SEPTEMBER 21, 2020

You may find various types of personal insurance and commercial insurance policies. There are Property and Casualty, Life/health insurance, and more. The basic system on how the broker commissions are based on the policies which are sold. The job of the brokers shall start after completing the policy’s sale.

Insurance Agents 130

Insurance Agents Insurance Agent Agents Broker-Agent 130

Boyle Agency Insurance

DECEMBER 16, 2024

Bogle Agency Insurance offers Umbrella Insurance to clients in NJ who want additional liability coverage beyond the limits of existing policies. Following is Umbrella Insurance explained for NJ individuals and families. This is where Umbrella Insurance comes in – to cover you like an umbrella.

Financial Loss 52

Financial Loss Insurance Insured Insurer 52

Protect Commercial Insurance

MAY 30, 2024

For example, if your business is situated in an area prone to flood, you may want to consider flood insurance as an additional coverage. Liability Insurance Liability insurance protects your business from legal claims and financial obligations resulting from injuries, property damage, or negligence caused by your business operations.

Cyber 52

Cyber Business Insurance Business Interruption Professional Liability Insurance 52

Mark Jackson Insurance Agency

SEPTEMBER 25, 2024

Business meeting at a conference table by Fauxels In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where a knowledgeable insurance agent becomes invaluable.

Commercial Umbrella 52

Commercial Umbrella Commercial Liability Liability Insurance 52

ProWriters

APRIL 17, 2024

One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. We at ProWriters can help you understand the risk, explain it to your clients, and secure the Cyber Insurance policies that provide the protection they need.

Cyber 52

Cyber Injury Liability Liability Insurance 52

Jackson & Jackson

APRIL 10, 2024

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. Understanding the Claims Process Before signing up for any insurance policy, understand the claims process.

Commercial Property 52

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

Protect Commercial Insurance

JULY 26, 2024

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. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils.

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

Insurance 52

Insurance Insured Insurer Building 52

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. What is your budget for business insurance?

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

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. Long-term Financial Benefits While the upfront cost of commercial insurance might seem high, consider the long-term savings and financial security it provides.

Commercial Insurance 52

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

Commercial Insurance 52

Commercial Insurance Commercial Protection Business Interruption 52

Mark Jackson Insurance Agency

DECEMBER 16, 2024

Whether your company experienced growth, faced new challenges, or maintained steady operations, your insurance needs may have changed. Taking the time to review and update your policies now can save you from unexpected headaches and ensure your business is ready for whatever comes next.

Business Insurance 52

Business Insurance Liability Cyber Business Interruption 52

New Jersey Workers' Comp

JANUARY 13, 2025

12, 2024), found as follows: (1) the insurer had no duty to provide coverage against the employees negligence based claims (including claims for gross negligence against the employer) because of the exclusive remedy bar under N.J.S.A. There is no coverage under any portion of the New Jersey standard workers compensation policy.

Workers Compensation 52

Workers Compensation Claim Injury Compensation 52

Corvus

JUNE 18, 2024

General liability insurance is the most regularly purchased insurance policy among small businesses. It’s not hard to understand why — the risk of unruly equipment and product mishaps are both common and completely tangible. That’s why cyber is tricky. It’s a newer risk that exists behind screens, not wet floor signs.

Cyber 40

Cyber General Liability Property Damage Liability Insurance 40

Mark Jackson Insurance Agency

NOVEMBER 22, 2024

Having the right insurance policies in place ensures your business is protected even during the offseason. Commercial liability insurance is another must-have, as accidents can happen during both active and slower periods. Insurance needs evolve as your business grows. Start by evaluating your specific risks.

Business Interruption 52

Business Interruption Theft Liability Insurance 52

Insurance Agency of Ohio

MAY 18, 2018

Knowing who is ultimately responsible for these breaches can create enormous headaches and leave business owners uncertain of whether they have a liability, and whether that will be covered by insurance.

Workers Compensation 52

Workers Compensation Cyber Liability Insurance Agency 52

Mark Jackson Insurance Agency

APRIL 15, 2024

You should consider general liability insurance and perhaps additional commercial umbrella insurance to protect your business in the event that your business is responsible for injury or harm to a non-employee, but workers’ comp is meant for providing coverage to your employees.

Workers Comp 52

Workers Comp Protection Workers Compensation Commercial Umbrella 52

Cover4LetProperty

OCTOBER 1, 2024

Buy to let insurance is a specialised type of insurance that covers the unique risks faced by landlords. While it shares some similarities with standard home insurance, it includes additional protection tailored to rental properties and tenants. Why do you need landlord insurance? What does landlord insurance cover?

Insurance 60

Insurance Insured Insurer Injury 60

ProWriters

FEBRUARY 12, 2024

One of the best ways to help your clients mitigate the financial risks of healthcare data breaches is by quoting and selling them a strong, comprehensive Cyber Liability Insurance policy.

Cyber 52

Cyber Liability Insurance Liability Protection 52

Freeway Insurance

JANUARY 3, 2025

Many insurance professionals recommend taking steps now to handle a possible increase when you renew your insurance policy. What’s Causing the 2025 Insurance Boost in California? One of the primary reasons for the 2025 California car insurance increase is legislative.

Auto Insurance 98

Auto Insurance Premium Liability Insurance 98

Protect Commercial Insurance

NOVEMBER 8, 2024

This guide will teach you practical ways to save money on your commercial insurance. By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. The good news? You can cut costs without sacrificing coverage.

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

TGS

NOVEMBER 15, 2024

TGS Insurance » Blog Adding a Second Car to Insurance: What to Know Before You Drive Off Whether your family is growing, or you’re just tired of sharing one set of wheels, adding a second car to your insurance policy can bring about both benefits and a few challenges. Why Add a Second Car to an Existing Insurance Policy?

Auto Insurance 52

Auto Insurance Deductible Insurance Insured 52

Protect Commercial Insurance

SEPTEMBER 6, 2024

In 2024, expect cyber insurance policies to become more comprehensive and tailored. Insurers are likely to offer packages that cover not just the immediate financial repercussions of a breach but also the long-term costs associated with recovery, legal disputes, and regulatory fines.

Commercial Insurance 52

Commercial Insurance Commercial Cyber Insurance 52

Hunton Andrews Kurth

FEBRUARY 15, 2024

One key focus is Illinois’ Biometric Information Privacy Act (“BIPA”), but as lawmakers in other states continue to introduce legislation aimed at regulating the use of biometric data, more court decisions may muddy the waters regarding what conduct may be covered under a general liability policy.

General Liability 52

General Liability Claim Insurance Policy Policy 52

Jackson & Jackson

MAY 23, 2024

For example, businesses in California’s earthquake-prone areas may consider adding earthquake insurance to their policy to protect their property from potential damage. Companies that rely heavily on technology and data storage may also benefit from cyber liability insurance to safeguard against data breaches and cyberattacks.

Small Business Insurance 52

Small Business Insurance Business Insurance Insurance Insured 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. Commercial Insurance Information Commercial insurance consists of policies to safeguard businesses when financial losses are inevitable.

Commercial Insurance 40

Commercial Insurance Commercial Protection Business Interruption 40

Paragon Independent Insurance Agencies

SEPTEMBER 16, 2024

Implementing strategic insurance methods can help safeguard your business. Liability Insurance Liability coverage protects you against legal costs that could disrupt your business. Make it a point to review your insurance documents and physically inventory items within your business premises.

Commercial Insurance 40

Commercial Insurance Commercial Protection Financial Loss 40