Top 6 East Coast Areas at Most Risk for Storm Surges
McMahon Insurance Agency
AUGUST 7, 2024
Storm surges pose a significant threat to coastal communities, often resulting in catastrophic flooding, extensive property damage, and loss of […]
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Protect Your Finances: The Truth About Small Insurance Claims
Shield Insurance Agency
AUGUST 20, 2024
Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.
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Builder’s Risk Insurance in Tennessee: A Broker’s Guide
Distinguished
SEPTEMBER 25, 2024
An increase in construction also means an increase in financial risk. All of which can cost their property or business owners millions of dollars in losses without adequate insurance coverage. This is why the popularity of Builder’s Risk insurance is growing. What Does Distinguished’s Builder’s Risk Cover?
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Court Says Builder’s Risk Policy Limited Coverage for Additional Insureds
The Property Insurance Law Observer
MARCH 25, 2024
March 11, 2024), the Court determined that the plaintiff property owner, as an additional insured, was not entitled to the same insurance coverage as the named insured where the builder’s risk policy limited the scope of recovery for soft costs and rental income.
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Commercial Insurance and Protection of Business Property
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. Call us today for the most updated information.
Protect Your Business: 5 Essential Insurance Policies You Might Be Overlooking
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.
Builder’s Risk Insurance in Alabama: A Broker’s Guide
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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How to Protect your Business Against Frozen Pipes and Sprinkler Systems
Bankers Insurance
NOVEMBER 15, 2023
How to Protect your Business Against Frozen Pipes and Sprinkler Systems In the winter season, businesses encounter unique property challenges, notably the potential for frozen pipes and sprinkler systems. These issues can lead to expensive damage, operational disruptions, and potential safety hazards.
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Builder’s Risk Insurance in Michigan: Online Quotes, Coverages, and Costs
Distinguished
AUGUST 26, 2024
However, alongside all of this construction comes large financial risks. For this reason, the need for comprehensive Builder’s Risk Insurance solutions is growing. Distinguished’s Builder’s Risk Program covers all kinds of buildings in Michigan, including single-family homes , mixed-use buildings , and commercial properties.
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Top 6 Insurance Policies Every IT Business in California Should Have
Jackson & Jackson
NOVEMBER 16, 2024
Running an IT business in California comes with unique risks and challenges. From data breaches to equipment breakdowns, IT businesses need tailored protection to stay secure and competitive in today’s fast-paced tech landscape. General Liability Insurance Even in a digital world, physical risks exist.
Essential Business Insurance Guide: Safeguarding Your Property From Cyber Threats
Protect Commercial Insurance
MAY 30, 2024
As a business owner, it is crucial to protect your empire from various risks and threats that can potentially disrupt your operations and financial stability. 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.
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Navigating Commercial Property Insurance: A Guide for New Investors in California
Jackson & Jackson
APRIL 26, 2024
Investing in commercial property in California can be a lucrative venture, but it also comes with its unique set of risks and responsibilities. One of the most crucial aspects to consider is commercial property insurance. This is crucial if someone is injured on your property.
Landlord Insurance vs. Standard Home Insurance: Key Differences
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.
Understanding Liability Insurance for UK Tradespeople and Contractors
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.
Beyond Coverage: Understanding the Limitations of Cyber Liability Insurance for California’s Tech Companies
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.
Resilience Investments Paid Off in Florida During Hurricane Milton
Triple-I: Homeowners Insurance
NOVEMBER 5, 2024
Every dollar invested in disaster resilience could save 13 in property damage, remediation, and economic impact costs, suggesting risk mitigation and recovery strategies will become even more essential as natural catastrophe severity increases.
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E&O vs. EPLI: What Coverage Do Your Clients Need?
ProWriters
APRIL 3, 2024
Today’s dynamic business environment and litigious society pose several risks to businesses. 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.
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How To Save Money On Your Commercial Insurance
Protect Commercial Insurance
NOVEMBER 8, 2024
It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries. – Liability Insurance: Covers your business in case of lawsuits due to injuries or damages caused as a result of business operations.
What Does It Mean to Be a No-Fault State?
TGS
NOVEMBER 18, 2024
In a no-fault state like Florida, every driver is required to carry Personal Injury Protection (PIP) coverage. Fraud Risks: No-fault systems are sometimes criticized for being more vulnerable to fraudulent claims, which can drive up costs for everyone. Now, you might be thinking, “Doesn’t this system protect me better?”
Tips for Buying Home Insurance
Bankers Insurance
MAY 16, 2024
These policies can provide critical financial security as homeowners seek to protect their fiscal stability and property. Reduce liability risks. Homeowners can submit a claim if they are at fault for another party’s losses, such as bodily injuries and property damage. billion each. Explore discounts.
What are the most important questions to ask when choosing business insurance?
Protect Commercial Insurance
OCTOBER 25, 2024
This approach ensures that you choose a policy that doesn’t just tick boxes but genuinely covers your specific risks and requirements. What are the specific risks associated with your industry? Every industry comes with its own set of risks. How much coverage do you need to fully protect your assets?
Understanding Multi-Family Property Insurance in California.
Jackson & Jackson
MAY 22, 2024
Multi-unit commercial properties in California offer investors the potential for significant returns. However, with great opportunities come great risks. Investors must understand the importance of securing comprehensive commercial property insurance coverage to protect their investments.
Why Finding Homeowners Insurance in California is So Challenging in 2024:
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? Wildfires, in particular, have become a significant concern for insurers in California.
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A Comprehensive Overview of Surety Bonds
Distinguished
NOVEMBER 7, 2024
Surety’s Defenses : The surety may invoke certain defenses against the obligee’s claim, such as contract modifications that increase the surety’s risk without consent or the obligee’s failure to comply with contractual conditions that mitigate the surety’s obligations.
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Liability Considerations for Affordable Housing Developments
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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Maximise Your Business Growth: 4 Essential Tips to Secure Your Commercial Tailors Insurance
Protect Commercial Insurance
JULY 26, 2024
As a tailor, it is crucial to protect your business from potential risks and liabilities. As a tailor, you face unique risks that require specific coverage. Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils.
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Contingent Bodily Injury from Cyber Attacks: What You Need to Know
ProWriters
APRIL 17, 2024
When you think about cyber risks, you probably think about the dangers malware attacks, data breaches, and other incidents pose to your business clients’ operations, revenue, and reputation. But cyber threats can pose risks to not only sensitive data but also to physical safety. You’re right to do so.
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Why is landlord insurance more expensive than home insurance?
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.
Save Money on Small Business Insurance in California
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.
Have you got suitable landlord insurance?
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.
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Understanding Consumer Education and Property Insurance
Property Insurance Centre
MARCH 19, 2024
Consumer education ensures that individuals are prepared and protected with the proper insurance coverage and are knowledgeable about the claims process. Consumer education programmes on disaster preparedness and contractor fraud are crucial to protecting property and preventing scams.
Mold: Impacts on the Affordable Housing Industry
Scott Insurance
JANUARY 28, 2022
While insurance coverage is typically relied upon for many property-related losses, there remains a disconnect about how mold claims are often handled by the insurance industry. Risk Management Considerations There are many factors that come into play when considering the environmental conditions that lead to the growth of mold.
Landlord insurance tips
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. Here are the key distinctions: Occupancy Home insurance: this type of insurance is designed for owner-occupied properties.
The Importance of Accurate Valuation in Commercial Property Insurance
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.
Emerging Property Insurance Trends 2024
Property Insurance Centre
JANUARY 4, 2024
In this article, we will explore the key trends that are influencing property insurance rates, coverage limitations, and market outlooks. By understanding these emerging trends, you can better navigate the property insurance landscape and make informed decisions to protect your assets.
Getting the broadest landlord insurance cover
Cover4LetProperty
OCTOBER 9, 2022
So, you can be certain you have comprehensive protection for your investment property. 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.
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Landlord insurance cover and other FAQs
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.
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Do You Need Boat Insurance?
Maritime Insurance International
MARCH 3, 2020
That said, the risks that boat owners face are not that different from the risks of owning a car. Given the risks you face, boat insurance can be a wise purchase to help protect your investment. Boating Risks: The Need for Coverage There are many risks associated with owning a boat. Towing Accidents.
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Buy to Let Insurance
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 doesn’t buy-to-let insurance cover?
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Getting the most appropriate cover for your let property
Cover4LetProperty
JANUARY 2, 2024
Just as it is important to get the cover you need, it is equally important to avoid paying for cover that you do not need – paying too much for your landlord insurance ultimately affects the bottom line of your buy to let business by unnecessarily inflating your operating costs.
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The cost of low cost landlords insurance
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.
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Blog Post: Navigating Florida's Shorter Construction Defect Claim Window: What Homeowners and Builders Need to Know
LexisNexis
NOVEMBER 19, 2024
However, there are circumstances that toll the statute of limitations and steps that homeowners and builders can take to protect their interests. Because of the reduction in time, many condominiums and townhome communities may not discover construction defects until after claims are barred.
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Blog Post: Fight Over California Bill Shows How Tricky Regulating AI Becoming
LexisNexis
OCTOBER 8, 2024
OpenAI Expressed Deep Concerns About California Bill California’s SB 1047 , also known as the Safe and Secure Innovation for Frontier Artificial Intelligence Models Act, by Scott Wiener (D), in simple terms, would have required major AI developers to implement security protocols to avoid causing mass casualties or major property damage.
Recovery Tips in the Wake of Hurricane Ian and Hurricane Fiona
Risk Management Monitor
SEPTEMBER 30, 2022
To the north, post-tropical storm Fiona inflicted catastrophic damage across parts of eastern Canada last week, causing devastating property damage and leaving hundreds of thousands of Canadians without power. “First, get the adjuster to the site as soon as possible.
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