Distinguished

APRIL 14, 2025

But with value comes risk, and standard homeowner insurance policies frequently fall short when it comes to protecting one-of-a-kind instruments. Thats why a specialized collectibles policy is the right solution for clients who own rare, high-value guitars whether theyre collectors, professional musicians, or investors.

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Mark Jackson Insurance Agency

JANUARY 7, 2025

Identity theft is no longer limited to stolen credit card numbers or Social Security fraud—it has evolved into a complex web of cybercrime targeting individuals and businesses alike. Staying informed about emerging trends in identity theft can help you protect your personal information and take proactive steps to minimize your risk.

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Theft Protection Policy Risk 52

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.

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Policy Risk Broker-Agent Liability 52

Distinguished

FEBRUARY 24, 2025

In this guide, well break down how Distinguisheds restaurant insurance addresses the specific risks faced by Charlottes restaurant owners. From understanding local exposures to leveraging tailored package policies, youll gain the insider knowledge needed to win your clients trust and business.

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Liability Liability Insurance Insurer Insured 52

Property Insurance Centre

FEBRUARY 10, 2025

Lets break down the perils typically included in standard policies and additional coverages that businesses might consider. 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.”

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Commercial Property Property Insurance Commercial Boiler and Machinery 52

TGS

FEBRUARY 28, 2025

fire, water damage, theft), amount paid, and current claim status. Policy Information Details of the insurance policies under which the claims were filed. Insurance companies rely on these reports to assess risk when underwriting a new policy. Why Should Homebuyers and Homeowners Care? Lets make insurance simple.

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ProWriters

FEBRUARY 23, 2025

But these policies may not always offer the levels of protection purchasers think they do. Security experts also believe China and Iran pose significant cyber risks. The gray zone poses significant challenges for not only legal frameworks but also insurance policies.

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Hunton Andrews Kurth

JANUARY 20, 2023

In the case in the Circuit Court of Cook County, Illinois, Chancery Division, the plaintiffs alleged that, by requiring them to use headsets that collected and used their voiceprints without providing them with a written policy regarding use and retention of their biometric identifiers and obtaining their consent, the company violated BIPA.

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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?

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Jackson & Jackson

NOVEMBER 16, 2024

Running an IT business in California comes with unique risks and challenges. Ensuring your business has the right insurance policies is not just a smart decision—it’s essential for long-term success. Here are the top 6 insurance policies every IT business in California should have to safeguard their operations.

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Insurance Policy Policy General Liability Workers Compensation Insurance 52

TGS

FEBRUARY 14, 2025

Most standard homeowners or renters insurance policies offer limited coverage for high-value items, often capping jewelry and other valuables at a fraction of their worth. All-Risk Protection Coverage against loss, theft, damage, and even mysterious disappearance (because sometimes things just vanish).

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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.

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Building Protection Damage 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

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.

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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.

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Risk Broker-Agent Deductible Insurer 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. At Paragon Independent Insurance Agency, we provide businesses in the greater Plano, TX area with various commercial insurance products.

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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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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.

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Risk General Liability Broker-Agent Insurer 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.

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TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

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Insurance Policy Policy Home Insurance Personal Property 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.

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Risk Policy Theft Cyber 106

Zywave

NOVEMBER 13, 2024

But with growth opportunities comes risk. According to a report by the Identify Theft Resource Center , in 2023 there were over 3,000 publicly reported data compromises, impacting over 350 million people. That represents a 72% increase over the year before. And your own first-party data isn’t going to get you there.

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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. Having the right insurance policies in place ensures your business is protected even during the offseason. Start by evaluating your specific risks.

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TGS

DECEMBER 13, 2024

A slip, a loss, or even theft? While standard homeowners insurance or renters insurance may offer limited protection for personal belongings, these policies often fall short when it comes to high-value items like jewelry. Many policies cover repairs and replacements for such incidents. Thats where jewelry insurance steps in.

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Protection Theft Insurance Insurer 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. Many insurance professionals recommend taking steps now to handle a possible increase when you renew your insurance policy. Insurers compensate for this increase by raising premiums to cover the heightened risk.

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Auto Insurance Premium Liability Insurance 98

Risk Management Monitor

JUNE 30, 2022

The job of procurement is to ensure performance is as promised, risk is low and business objectives are being met through collaboration. Suppliers are a source of growth, innovation and efficiency, but if they are not managed holistically, they can be a source of risk, poor performance and noncompliance.

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Boyle Agency Insurance

DECEMBER 3, 2024

Younger, less experienced drivers often face higher premiums due to a higher perceived risk. Additionally, areas with a higher incidence of car theft may lead to increased insurance costs. Insurance companies may consider how much time you spend on the road as it relates to your risk of being involved in an accident.

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Premium Auto Insurance Out-Of-Pocket Deductible 73

Distinguished

JULY 22, 2024

However, the very qualities that make collectibles so precious also expose them to unique risks. Theft, damage during transport, or accidental breakage can devastate a collection that has taken years to assemble. Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies.

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Insurer Insured Insurance Policy 52

Insurance Agency of Ohio

JANUARY 30, 2020

By Troy Dohmeyer Equipment and material theft is a major source of loss for contractors. Good planning is essential to construction site security, preventing theft of valuable construction materials and tools. Good planning is essential to construction site security, preventing theft of valuable construction materials and tools.

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Theft Insurance Agency Workers Compensation Deductible 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. For a home-based business, this is particularly important, as standard homeowners' policies typically do not cover injuries that occur in the course of business activities.

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Liability Business Interruption Professional Liability Insurance Home Insurance 52

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. 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.

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Commercial Insurance Commercial Cyber Liability 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.

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Business Insurance Liability Insurance Liability Policy 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.

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Risk Workers Compensation Commercial General Liability Liability 40

Distinguished

DECEMBER 16, 2024

Protecting these assets in the state requires specialized insurance solutions considering earthquake and wildfire risks. Our program provides all-risk worldwide coverage for direct physical damage like fire and theft of personal collections of any size.

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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?

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Commercial Insurance Commercial Premium Deductible 52

Distinguished

AUGUST 5, 2024

However, if your clients have been lucky enough to come across a rare Illustrator Pikachu Card ( worth over $550,000 ) or a vintage Boba Fett toy ( worth over $500,000 ), they’re going to need an insurance policy that properly covers them. This means a specialized collectibles policy. What Specific Risks Do Toys Face?

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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.

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Home Insurance Out-Of-Pocket Insurance Insurer 52