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What’s Your Risk? The Realities of Business Earthquake Coverage
The powerful 6.4 and 7.1 magnitude earthquakes that rocked Southern California on July 4th and 5th have many business owners questioning whether they would be covered if their business was damaged during an earthquake. Unfortunately, business earthquake coverage isn’t included in your commercial property insurance or business owners policy –
Inland Marine Insurance: The Coverage You May Not Realize You Need!
The unfortunate name of inland marine insurance has made it so many business owners and executives don’t even consider this incredibly important type of coverage. If your company regularly conducts work “off-site,” ships products and/or goods, moves high-value assets to various locations, or takes responsibility for clients’ property – then
4 Questions You Should Ask When Buying Builders Risk Insurance
If you’re a general contractor or developer, it’s likely that you’re already familiar with the term builders risk insurance – but, if you’re like most, you may have many unanswered questions about what it is, what it covers, and why it’s so important. Simply put, builders risk insurance (aka course
Public Entity & Government Ransomware Attacks: The High Risk for Low-Tech Operations
Despite the low-tech nature of many public entities and local agencies, government ransomware attacks are a very real risk (with very costly consequences). Is there a gap in your organization’s cybersecurity preparedness? There’s no doubt that cybersecurity is a growing concern for leaders in both the public and private sectors
Is That Employee Covered? Business Auto Policy Coverage 101
Whether you have a single company vehicle or an entire fleet, you likely recognize the need to have a Business Auto Policy (BAP) added to your Business Owners Policy or Commercial Package Policy. However – like in many insurance scenarios – not all BAPs give you the same amount of
Surviving the Unthinkable with Business Continuity Planning
From severe flooding to cyber-attacks to product liability lawsuits, businesses face endless risk exposures. Many owners and executives rely on a Business Owners Policy (BOP) or Commercial Package Policy (CPP), mistakenly believing they’re fully prepared for worst-case scenarios. However, insurance is just one aspect of a comprehensive business continuity plan.
General Liability Insurance: What’s Covered (and What’s Not!)
Accidents happen. Misunderstandings happen. Lawsuits happen. Even the most diligent business owners may, at some point, be faced with an accusation that their company is legally responsible for injuries or property damage. Whether the claim is found to have merit or not, the costly process of mounting a defense can
Are You Covered? It’s Time for a Small Business Insurance Check-Up
Business owners have an overwhelming amount of responsibility to juggle, and it can be easy for some details – like comprehensive small business insurance – to fall through the cracks. Often, insurance policies are purchased when the company is initially founded but then not reevaluated as the company’s needs evolve,
Protect Your Practice: Understanding Lawyer Professional Liability
As an attorney, you know first-hand that even meticulous and well-intentioned professionals can be sued by dissatisfied clients. Regardless of whether you work with a large firm or a small practice, it’s essential to maintain lawyer professional liability insurance throughout your career (and potentially extended coverage to protect you after
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
Celebrating a Legacy of Partnership and Rising Talent at UNLV
At Swarts Manning, we are proud to mark a meaningful milestone in our ongoing relationship with the University of Nevada,
Why AI Is Changing the Cyber Insurance Conversation
If you’ve been watching the AI space this month, you may have caught headlines about something called Claude Mythos, a
