Daily Insurance News

Owning a home is one of the largest financial investments most people make. Homeowners insurance helps protect that investment against a wide range of...

Hiring a sub with a certificate of insurance feels like due diligence. In most states, it isn't enough — and HVAC owners are finding out the hard way when claims land on their policy instead of the sub's.

A Business Owner's Policy protects your bar or restaurant from many risks — but it almost always excludes alcohol-related lawsuits. One overserved customer and a Dram Shop claim could expose your business to a seven-figure lawsuit with no coverage. Here's what liquor liability insurance covers and why it's non-negotiable for any business that sells alcohol.

Most cleaning companies carry general liability insurance and assume they're covered if something goes wrong on the job. But GL won't pay a dime if an employee steals from a client. Here's the coverage gap cleaning business owners need to know about — and how to close it for a few hundred dollars a year.

Many contractors assume general liability insurance covers any problem on a job. In reality, the “your work” exclusion prevents the policy from paying to repair your own faulty work.