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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.

Renters Insurance Liability at $100K, $300K, and $500K: The Tier Decision...

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Most renters pick their liability limit by leaving the default. Here is the net-worth math, the dog-breed surcharge, and the landlord override that actually decide which tier is right.

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He Updated His Will After the Divorce. He Never Updated His Life Insurance.

When Michael died at 57, his girlfriend of four years and two adult children expected to receive his $400,000 life insurance policy. The insurer paid it to his ex-wife instead. He had never changed the beneficiary form.

Homeowners Insurance Doesn’t Cover Flooding

Sandra had $340,000 in homeowners coverage and three feet of water in her living room. Her insurer paid zero. The standard homeowners policy excludes flooding entirely, and most homeowners don't find out until after the loss.
Your EPLI policy may not cover the wage and hour lawsuit most likely to hit your small business

Your EPLI policy may not cover the wage and hour lawsuit most likely to...

Most small-business owners buy EPLI thinking it covers the most common employee lawsuit. The wage and hour exclusion buried in the form carves out exactly that.
Terrence's Insurance Paid Everything the Jury Awarded, Except the $1.5 Million That Actually Punished Him

Terrence’s Insurance Paid Everything the Jury Awarded, Except the $1.5 Million That Actually Punished...

A California business owner's EPLI policy paid the compensatory verdict and the legal defense. It paid nothing toward the $1.5 million that was meant to punish him, because state law will not let an insurer cover it.
Two Women Claimed the Same $500,000 Life Insurance Policy. The Insurer Paid Neither of Them.

Two Women Claimed the Same $500,000 Life Insurance Policy. The Insurer Paid Neither of...

Meera Chandrasekaran's husband died with an outdated beneficiary form. The insurer didn't deny her claim or pay it. It filed an interpleader action and closed its file.
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