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What’s the Omnibus Clause in Our Commercial Auto Policy?
Insurance policies are filled with legal jargon and complicated wording, but those details are often essential for understanding the ways in which you are (and are not!) covered. Among the many details we translate for our clients, we’re often asked about the Omnibus Clause in their commercial auto policy, so
OxiClean Lawsuit Highlights Big Questions About Advertising Injury Coverage
Does the advertising injury coverage that’s often included in a commercial general liability policy protect policyholders from damages stemming from false advertising? The recent lawsuit filed against Church & Dwight Co., Inc – the manufacturer of OxiClean™ – has many business owners asking that exact question. On September 3, 2019,
Sitting on the Board: 6 Considerations Before Joining a Nonprofit Board
Serving on a nonprofit board is an honor, but did you know it could also expose you to personal liability? Nonprofits face many of the same risks as for-profit organizations, so it’s important to ensure you’re fully protected before accepting a board position. 6 Key Considerations for Joining a Nonprofit
4 Errors & Omissions Insurance Risks for Tech Companies and Consultants
As a technology company or consultant, you know there’s always the chance that a client will claim you’re at fault if they don’t get the results they desire from your work – even if you’ve done everything right. That’s why comprehensive errors & omissions (E&O) insurance is so important for
The Private Client Group: A VIP Invitation for Protecting Your Personal Assets
Hard work and professional success may have awarded you the resources to explore your true passions, but unfortunately it doesn’t shield you from risk. It’s important that your assets are fully protected against the uncertainties of life – and that your insurance team is working hard to ease the burden
3 Overlooked Benefits of General Liability Insurance for Small Businesses (and Larger Ones!)
It’s likely that you’ve already heard about the importance of having comprehensive insurance coverage. That’s because your commercial insurance – especially the core types of coverage in a business owners policy – are the key to protecting your financial future when things don’t go as planned. However, for small businesses,
Actual Cost vs Market Value: Will Your Equipment Replacement Costs Be Covered?
What would happen if a key piece of machinery failed and your company’s production came to a halt? For manufacturing companies across the U.S., this is a very real concern. And yet many business owners and executives can’t say for sure whether their full equipment replacement costs would be covered.
Cybersecurity Trends: Do CEOs and HNWIs Need Cyber Insurance?
Cybercrime certainly isn’t a new threat within the business community. Across the globe, corporations have been working to implement increasingly sophisticated cybersecurity measures; governments have been enacting new legislation to protect consumers, and insurance providers have been expanding their cyber insurance options. And yet – data breaches, ransomware attacks, phishing
It’s Time to Protect Your Employees with a Distracted Driver Policy
Your employees are your company’s greatest asset, so protecting them should be a top priority. Unfortunately, many employers think having commercial auto insurance is enough, neglecting to create and enforce a distracted driver policy. 4 Steps to Implement an Effective Distracted Driver Policy Protect Your Employees and Your Business At
The Hidden Fire Risk in Your Home: Lithium-Ion Batteries and How to Protect Your Property
Lithium-ion batteries power nearly every rechargeable device in a modern home. Phones, laptops, cordless tools, e-bikes, e-scooters, robotic vacuums, electric
Roof Maintenance: Protect Your Property and Your Investment
Your roof protects nearly every major component of your property, which means a small roofing problem can quickly turn into
How California’s New Wildfire Risk Scoring Is Reshaping Commercial Property Insurance
How is California’s changing wildfire risk scoring affecting commercial property insurance? In many cases, carriers are looking more closely at
Should Your CPA and Insurance Broker Work Together? Why It Matters for Business Owners
Most business owners assume their advisors are aligned, but in reality, your CPA and your insurance broker are usually working
Why a Bigger Broker Doesn’t Mean a Better Price
If you’ve ever shopped for commercial insurance, you’ve probably heard the pitch from a large national brokerage: “We place billions of
Captive Insurance Explained: When It’s Time to Take Control of Your Risk
Many companies are already paying for their own losses. Large deductibles, rising premiums, and unpredictable renewals often mean businesses are
