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Most Renters Have No Coverage. The Ones Who Do Are Focused...

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A Chicago renter paid $22,000 out of pocket after a guest slipped and fell at her apartment. Her renters insurance would have cost $14 a month. The part most renters miss isn't the laptop coverage. It's the liability.

44% of Renters Have No Insurance. Here’s What the Uninsured Ones...

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Only 56% of renters carry insurance. The 44% who skip it lost $12.8 billion in personal property last year, and the liability claims that follow can garnish wages for over a decade.

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Your ALE Coverage Covers Temporary Housing, But Most Rebuilds Outlast the 12-Month Clock

Your ALE Coverage Covers Temporary Housing, But Most Rebuilds Outlast the 12-Month Clock

Her insurer paid for the temporary apartment, the higher restaurant bill, and the pet boarding for 11 months. By month 12 the rebuild was still six weeks out and the ALE clock had stopped.
A Roofer Coded as a Carpenter Cuts the Workers Comp Bill in Half. The Audit Wiped Out the Year.

A Roofer Coded as a Carpenter Cuts the Workers Comp Bill in Half. The...

His broker booked his roofing crew under residential carpentry to keep the workers comp premium low. The carrier's year-end audit reclassified the entire payroll and sent a $42,300 bill.
DoorDash's $1M Policy Starts When You Accept the Order. The 47 Minutes Before That Are on You.

DoorDash’s $1M Policy Starts When You Accept the Order. The 47 Minutes Before That...

The promotional language gig apps use makes it sound like every minute on the road is covered. The fine print is different, and the gap can cost a five-figure repair bill the first time it lands on you.
A Type 2 Diabetes Diagnosis Can Push Life Insurance Premiums Up 25% Per Table Rating

A Type 2 Diabetes Diagnosis Can Push Life Insurance Premiums Up 25% Per Table...

The same Type 2 diabetic applicant can get three life insurance quotes that vary by more than a thousand dollars a year. The reason is rarely the price; it is which carrier's diabetic underwriting rules he happened to match.
Your Cyber Policy May Not Cover the Ransom Even When It Covers the Breach

Your Cyber Policy May Not Cover the Ransom Even When It Covers the Breach

You bought a $1 million cyber liability policy after the headlines. The fine print on ransom payments is where most small businesses learn their coverage isn't what they thought.

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