Top Insurance Blogs

FEBRUARY 20, 2024

Basic Information About Driving a Vehicle in Florida What type of car insurance policy is required by law in Florida? 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.

Property Damage 52

Property Damage Injury Auto Insurance Liability 52

TGS

NOVEMBER 18, 2024

The Basics: Defining a No-Fault State At its core, a no-fault state is one where your car insurance policy takes care of your medical expenses and certain other costs, regardless of who caused the accident. In a no-fault system, each driver’s own insurance policy is the first line of defense for medical bills and other specified expenses.

Auto Insurance 52

Auto Insurance Injury Damage Property Damage 52

Protect Commercial Insurance

SEPTEMBER 20, 2024

Yet, it’s essential to protect your hard-earned business from the unexpected. It covers you against claims of property damage, personal injury, or negligence. This insurance protects your business if an employee becomes ill or injured because of their work.

Liability Insurance 52

Liability Insurance Liability Property Damage Insured 52

Jackson & Jackson

JANUARY 10, 2024

While these policies are essential in today’s digital landscape, knowing what they do not cover is vital for complete protection. The Gaps in Cyber Insurance: Cyber Liability Insurance and Data Breach Coverage are designed to protect against various cyber threats, but they have limitations.

Liability Insurance 52

Liability Insurance Cyber Liability Property Damage 52

The Property Insurance Law Observer

MARCH 4, 2024

26, 2024), the Western District of Washington considered competing motions for partial summary judgment in a property damage case involving a winter storm, where large amounts of rain and melted snow backed the drain up and the force of the water pushed through the exterior door causing damage to the entire basement level.

Damage 130

Damage Policy Claim Property Damage 130

Protect Commercial Insurance

NOVEMBER 1, 2024

Introduction When it comes to protecting your property, the type of insurance you choose can make a big difference. Whether you’re a landlord with several rental properties or a homeowner looking to safeguard your family home, understanding your insurance needs is essential. Who Needs Landlord Insurance?

Home Insurance 52

Home Insurance Out-Of-Pocket Insurer Insured 52

ProWriters

APRIL 3, 2024

As they seek to secure the insurance they need to protect themselves, some companies’ decision-makers may get confused about E&O vs. EPLI policies. Both types of policies involve legal liabilities and are important. The policy extends coverage for a specified period, typically one year, and can be renewed annually.

Liability 52

Liability Cyber Property Damage Claim 52

Distinguished

SEPTEMBER 25, 2024

What Risks Does Distinguished’s Builder’s Risk Insurance Protect Against? Different Builder’s Risk insurance policies vary from one insurance carrier to another.  Distinguished offers protection against: Acts of God : Such as weather events that are beyond human control. Naturally, they must be named on the policy.

Risk 52

Risk Broker-Agent Insurer Insured 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?

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

Jackson & Jackson

APRIL 26, 2024

One of the most crucial aspects to consider is commercial property insurance. This guide aims to help new investors understand the basics of commercial property insurance in California, ensuring that their investments are protected against unforeseen events. This is crucial if someone is injured on your property.

Commercial Property 52

Commercial Property Property Insurance Commercial Business Interruption 52

Bankers Insurance

MAY 16, 2024

These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. Additionally, more and more people live in wildland-urban interfaces, where homes can be particularly vulnerable to severe weather damage. Reduce liability risks. Explore discounts. Adjust coverage.

Home Insurance 52

Home Insurance Policyholder Out-Of-Pocket Insurer 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. Every industry comes with its own set of risks.

Business Insurance 52

Business Insurance Liability Insurance Liability Policy 52

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!

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

American Agents Alliance

AUGUST 22, 2024

On September 28, 2022, Governor Gavin Newsom signed Senate Bill 1107, also known as the Protect California Drivers Act , into law, which will double minimum auto liability limits. The most immediate impact will be an increase in premiums for drivers currently holding minimum coverage policies. Why Are Limits Being Increased?

Auto Insurance 40

Auto Insurance Agents Broker-Agent Property Damage 40

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.

Property Damage 40

Property Damage Damage Insurance Policy Home Insurance 40

Property Insurance Centre

MARCH 19, 2024

Understanding Consumer Education and Property Insurance As an informed consumer, education on consumer rights and property insurance is crucial. It empowers individuals to make informed decisions about insurance coverage and understand their policy rights. This guide draws on some information from America as well as the UK.

Property Insurance 52

Property Insurance Policyholder Insurer Insured 52

Scott Insurance

FEBRUARY 10, 2023

To that end, as an affordable housing developer, you should be listed as an additional insured on your general contractor’s liability policy. This step is critical in protecting your organization’s assets and should include consultation with an attorney familiar with statutes in your state.

Liability 52

Liability Property Damage Risk Policy 52

Jackson & Jackson

AUGUST 16, 2024

Homeowners insurance is a crucial financial safety net for homeowners, providing protection in the event of property damage, loss of personal belongings, or liability for injuries that occur on the premises. What is Homeowners Insurance?

Insurer 52

Insurer Insured Insurance Risk 52

Distinguished

AUGUST 26, 2024

This means complete property protection in the event of damages from: Extreme weather events Vandalism Theft Fire Beyond property damage, Distinguished also offers coverages for: General liability Soft costs Mold and fungus Off-site materials in transit How Much Does Builder’s Risk Cost in Michigan?

Risk 52

Risk Broker-Agent Insured Insurer 52

Mark Jackson Insurance Agency

JUNE 5, 2024

Each year, fires in residential areas cause significant property damage. By following basic fire safety tips, you can help protect your home and loved ones from the impact of a fire. In addition to implementing fire safety measures, having the right homeowner insurance policy is crucial to protect your home.

Property Damage 52

Property Damage Damage Protection Insurance Policy 52

TGS

OCTOBER 10, 2023

TGS Insurance » Blog Requirements for Classic Car Insurance Classic car insurance is designed to protect your unique, vintage cars in storage and on the road. Storage: Some carriers require covered or indoor storage to qualify for a classic car policy. A classic car policy, however, would cover the actual cash value of the vehicle.

Auto Insurance 52

Auto Insurance Insurer Insured 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.

Injury 52

Injury Cyber Liability Liability Insurance 52

Cover4LetProperty

NOVEMBER 3, 2024

The owner occupier – who stands to lose his home if things go wrong – has the full protection of the Financial Conduct Authority (FCA); in many cases, a landlord does not. This is optional but may be valuable if you’re concerned about accidental damage to the property or its contents, such as a broken window or stained carpet.

Insurer 40

Insurer Insured Insurance Home Insurance 40

Jackson & Jackson

MAY 23, 2024

You have poured your heart and soul into your venture, and it’s only natural that you want to protect it. Small business insurance covers property damage, liability claims, and employee-related risks. It acts as a safety net, protecting your business from unexpected events that can cause financial hardship.

Small Business Insurance 52

Small Business Insurance Business Insurance Insured Insurer 52

Distinguished

SEPTEMBER 10, 2024

This guide covers our program’s coverages, costs, and benefits, making it the ideal choice for contractors, developers, and property owners statewide. We’ll outline the projects we cover and risks we address, equipping you to protect your clients’ investments in Alabama’s expanding construction market.

Risk 52

Risk General Liability Broker-Agent Insurer 52

Jackson & Jackson

MAY 22, 2024

Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments. This article aims to provide an in-depth overview of ensuring multi-unit commercial properties in California, highlighting key considerations for investors.

Property Insurance 52

Property Insurance Commercial Property Commercial Broker-Agent 52

TGS

NOVEMBER 1, 2024

Knowing exactly what to do after a car accident can make all the difference in ensuring a smooth claims process, protecting your rights, and, most importantly, keeping everyone safe. In many states, you’re required to file a police report for accidents that involve injuries or significant property damage.

Injury 52

Injury Home Insurance Damage Claim 52

Scott Insurance

JANUARY 28, 2022

In some situations, property policies might give a sub-limit to help with remediation costs. Environmental / Pollution Environmental/pollution policies are available in the market and can contemplate both the first party (property) and third party (general liability – bodily injury/property damage) mold exposure.

General Liability 52

General Liability Deductible Liability Property Damage 52

LexisNexis

AUGUST 21, 2024

AI Doomsday Bill Moves Closer to Passage in CA The California Assembly’s Appropriations Committee advanced a first-of-its kind bill ( SB 1047 ) aimed at preventing mass human casualties or property damage caused by artificial intelligence. PLURIBUS NEWS , NEW YORK TIMES , LEXISNEXIS STATE NET). Wave of Biological Privacy Laws Ahead?

Property Damage 40

Property Damage Protection Liability Damage 40

Cover4LetProperty

OCTOBER 9, 2022

That’s when you will turn to your landlord insurance policy for support and financial assistance. When you are purchasing your landlord insurance policy, there might be a natural temptation to get it over and done with as fast as possible so that you can continue with your normal daily business.

Liability 52

Liability Insurer Insured Insurance 52

Bankers Insurance

AUGUST 8, 2024

THE IMPORTANCE OF ACCURATE VALUATION IN COMMERCIAL PROPERTY INSURANCE When purchasing or renewing commercial property insurance , it’s important for businesses to ensure their coverage includes correct property valuations. Generally speaking, ITV refers to an approximation of the full cost to replace or restore insured property.

Commercial Property 59

Commercial Property Property Insurance Commercial Out-Of-Pocket 59

Cover4LetProperty

DECEMBER 1, 2023

On the other hand, your investment in buy to let property might have been an entirely conscious and focused decision, with a view to creating a thriving and expanding business. Loss of rent Home insurance: Generally does not include protection for loss of rental income, as it is not designed for rental properties.

Home Insurance 52

Home Insurance Insurer Insured Insurance 52

Distinguished

NOVEMBER 7, 2024

In the event of a default, the principal must indemnify the surety for any costs or damages paid out to resolve the breach. The Obligee : Usually the project owner or developer requiring the bond as a form of financial protection against the principal’s non-performance.

Claim 52

Claim Compensation Risk Broker-Agent 52

Cover4LetProperty

OCTOBER 10, 2022

To safeguard the deposit – in the interests of both you and the tenant – the Tenancy Deposit Protection scheme requires that any deposit is held for safekeeping by an officially approved third party, who releases the money, in the amount agreed by you and your tenant, at the end of the tenancy.

Insurer 52

Insurer Insured Insurance Property Insurance 52

Cover4LetProperty

AUGUST 15, 2022

Just looking at the price alone might tell you very little about the insurance cover and protection offered. Looking carefully through the landlord insurance policy terms and conditions may be the only way that you can make sure that your policy does what you need it to do in terms of helping you protect your livelihood as a landlord.

Insurer 52

Insurer Insured Insurance Policy 52

Cover4LetProperty

JANUARY 29, 2024

Landlords may be held liable for injuries or damages that occur on the rental property, and the insurance needs to provide adequate protection; properties used for rental purposes may experience more wear and tear compared to owner-occupied homes. The post Why is landlord insurance more expensive than home insurance?

Home Insurance 52

Home Insurance Insurer Insured Insurance 52

Cover4LetProperty

AUGUST 23, 2022

Buy to let property insurance (also known as landlord insurance) is cover specifically designed to protect the principal assets of a buy to let business. How is let property insurance different from home insurance? Insurance is all about the management of risk. What does landlord insurance cover?

Insurer 40

Insurer Insured Insurance Property Insurance 40