A Sub Handed Over a Certificate of Insurance. The Policy Had Lapsed, and the...
A framing sub handed over a clean certificate of insurance. Six months later the policy had lapsed, a worker fell, and the general contractor's own workers' comp paid the claim.
A Truck Crash Left an Injured Driver With a $600,000 Judgment. Ray’s Insurer Paid...
A crash left an injured driver with a $600,000 judgment. Ray's insurer paid it because of one federal endorsement, then sent Ray the bill. Here is how the MCS-90 really works.
A Fired Worker Sued Marcus for $400,000. His EPLI Paid – But Only After...
His EPLI policy had a $1 million limit. It still cost him $25,000 out of pocket before it paid a dime. Here is the retention math most owners miss.
Kenji’s Kitchen Fire Cost Him $310,000. The City’s Code Rules Cost Him $145,000 More.
A kitchen fire was fully covered. Then the city's building code turned it into a six-figure surprise. Here is the coverage that fills that gap.
His insurer offered to settle the lawsuit for $120,000. He wanted to clear his...
A consent-to-settle or hammer clause lets your professional liability insurer cap what it pays if you refuse a settlement it recommends. Here is how that trap works.
A fire closed her cafe for four months. Her insurance stopped paying the day...
Business income coverage on a small-business policy pays while you rebuild, but it usually stops the day the building is fixed, not the day your revenue recovers.
He leased on 12 owner-operators to cut his workers’ comp bill. One rollover left...
Occupational accident insurance looks like a cheap stand-in for workers' comp on owner-operators. When a driver is catastrophically hurt, the coverage gap can bankrupt a small carrier.
How a nation-state label voided a small firm’s $190,000 ransomware claim
Your cyber policy may quietly exclude "state-backed" attacks. Here is how a small accounting firm lost a $190,000 ransomware claim to a war exclusion it never noticed.
An Online Seller’s Fulfillment Warehouse Burned Down. His Sales Stopped for 11 Weeks, and...
The fire was at his fulfillment partner's warehouse, not his home office. That one detail is why his business income claim was denied while his sales sat at zero.
A Norovirus Outbreak Cost His Taqueria $185,000. His Insurance Paid From a Limit He...
Forty customers got sick, three were hospitalized, and the lawsuits hit $185,000. His liability policy paid, but from a separate bucket he never knew existed.
