According to the Allianz Risk Barometer, a survey of businesses and what they feel are their biggest risks, the top three risks that companies face in 2019 are all easily insurable. Unfortunately, after reviewing thousands of policies I often find that these risks are either not adequately covered or, even worse, not covered at all. … Continue reading Four Common Business Income Coverage Gaps
The personal auto insurance segment posted its first underwriting profit since 2007. This does not mean your auto premium is going down...at least not yet.
In insurance words mean different things in different policies, it’s probably why most people think insurance is complicated and cumbersome. Coinsurance is one of those words and it means something much different in a property policy then it does in your health insurance or D&O policy. Find out how it can reduce your claim payment in the property policy.
Deductible and self-insured retentions (SIRs or simply retentions) are similar in a lot of ways, but they are not the same. In this 3 minute video I explain two of the biggest differences that could impact your cash flow and your total out of pocket costs.
How your auto policy protects you when someone hits you that either doesn't have insurance or not enough.
Employers Liability, not to be confused with Employment Practices Liability, is an insurance coverage typically found in a Workers Compensation policy. Compared to workers comp, there are very few claims filed under this portion of the policy, and as a result it is not very well understood.
Don't want to be surprised when the insurance company tries to settle a claim you don't agree with then check out this video.