Thinking about using a drone for your business and expect your company’s general liability policy to cover any accidents and damage it may cause? Better read the policy. Most general liability policies contain a broad exclusion that applies to aircraft (as well as autos and watercraft). The exclusion eliminates coverage for any bodily injury or…Read more
Cyber Insurance Should Include Business Interruption
As the full threat of hacking and cyber attacks takes hold, cyber insurance policies are evolving so that the primary focus is on business interruption coverage. When these policies first hit the market, they were mostly focused on covering the costs of notifying individuals whose personal data or credit card information may have been exposed,…Read more
Directors and Officers Insurance for Nonprofits
Nonprofits usually have a certain demographic that they serve. Often the allure of a nonprofit organization is that it attracts like-minded individuals that have a passion for the cause that the nonprofit works on. And the most passionate of these individuals often become board members. At that point, they also enter a world of new…Read more
Commercial Property Insurance
If you own a commercial property or lease a building, you not only have to be concerned about risks that cause property damage, but also the risk of injury to visitors, customers and tenants. It’s your legal responsibility to keep your property free of hazards that can result in injury or worse. If you fail…Read more
Are You Covered if You Borrow a Car?
One Saturday afternoon your friend calls you up and asks: “Dude, can I borrow your car for a few hours today? Mine’s in the shop.” You don’t think much about it and hand over your keys. But what do you do if your friend has an accident? Will your insurance cover the damage, or does…Read more
Want to Drive for Uber? Better Check Your Insurance
To make ends meet, or to build up their nest eggs, many people have turned to moonlighting as Uber or Lyft drivers. However, if you are planning to make some spending money, you need to understand that doing so could invalidate your personal auto policy. Uber and Lyft are so-called “ride-sharing” mobile apps that connect…Read more
Working from Home? Check Your Insurance Policy
As the gig economy grows, more and more people are opting to work from home, either to supplement their income from a full- or part-time job, as a freelancer, or to pursue operating a small business. Unfortunately, your homeowner’s or renter’s insurance may not cover damage to your business assets. Sixty percent of home-based businesses…Read more
Sewer Line Insurance
Too many homeowners assume that a sewage backup or other underground drainage/sewage line is their local government’s responsibility – until they have a problem. Homeowners and landlords often only find out too late, after thousands of dollars of damage, that their existing insurance doesn’t cover them. As a homeowner or landlord, your responsibility for sewer…Read more
Should You Lease or Buy a Company Car?
If you’re a small business owner and you spend a lot of time on the road, you might decide to invest in a new car. However, before you let yourself be enticed to test drive your new wheels, you should consider evaluating whether leasing or buying is the best option for you. Some of the…Read more
General Liability Insurance is Not Enough
At some point, most businesses are involved in some type of legal dispute, be it over an alleged physical or property damage to a third party or financial injury to a competitor, client or vendor. And you’d surely want an insurance backstop in case you are targeted, to help pay for legal costs and any…Read more
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