Commercial General Liability (CGL)

Why Do Insureds Need D&O Insurance?

It’s relatively easy to convince a prospect they need CGL coverage. However, it may be difficult to convince them that they may need other forms of liability insurance such as…

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How to Value Leased Property Claims

Below is a recent “Ask an Expert” question we received involving a Business Owners Policy. While we attempted to address the valuation issues raised from the standpoint of the BOP,…

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Installation Floaters vs. Riggers Liability

At last count, we’ve had 15 questions concerning the difference, if any, between coverage afforded by inland marine installation floaters and riggers liability forms. For example: “I am working on…

Risk Retention Groups

“I have a residential general contractor that is being offered coverage by a Risk Retention Group. I know that Risk Retention Groups are insurance companies that are formed and owned…

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Warranties and Protective Safeguards Endorsements

The inland marine form on a tree surgeon’s stump grinder included a “Fire Extinguisher and Brush Burning Warranty” endorsement. Vandals destroyed the grinder by burning it. The insurer has denied…

Traditional vs. eCommerce Insurance

Managing e-business calls for a comprehensive risk management approach and a thorough understanding of the multifaceted nature of the exposures. It is imperative to incorporate an ingrained awareness of e-business…

Top 5 International Insurance Exposures

Agents who have insureds with international exposures must be aware that local laws, business customs, economic conditions, political climate, and government regulation all affect the insurance risks that the organization…

Coverage for Loss Due to Credit Card Fraud

Your insured accepted an order via the internet for products that he sells. He verified that the credit card was valid through a service that he uses. It was not…

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