A Caterer’s Van Was Rear-Ended. The Insurer Paid for the Van and Nothing for...
His van was repaired in full, but the $9,000 in catering inside was a total loss the policy ignored. Here is the commercial auto cargo gap most owners miss.
A Customer Accused His Barber of Discrimination. His EPLI Policy Covered Employees, Not Customers.
A standard EPLI policy protected his employees but not a customer's discrimination claim. Here is the third-party coverage gap most small businesses miss.
A Grease Fire Gutted His Kitchen. His Insurer Pointed to One Clause and Denied...
A restaurant fire claim got denied over one clause most owners never read. Here is how the protective safeguards endorsement works and how to stay covered.
He Switched E&O Carriers to Save $1,400. A Lawsuit Over Old Work Wasn’t Covered.
A claims-made E&O policy protects two dates, not one. Switch carriers the wrong way and years of past work lose coverage overnight. Here is how to protect it.
Her Shop Crossed $6 Million in Sales. The Insurer Canceled the Policy That Came...
A Business Owners Policy is built for small and mid-size companies. Cross the carrier's size limits and the renewal can disappear. Here is how the ceiling works.
Why a Delivery Driver Costs Your Restaurant Three Times the Workers’ Comp of a...
Most of your restaurant staff share one workers' comp class code, but delivery drivers and office workers do not. Get the split wrong and the year-end premium audit will find it, often with a bill you never budgeted for.
Your Cyber Insurance Can Be Voided If the Security Controls You Promised Weren’t Real
Cyber insurers now base coverage on the security controls you swear you have. Get one answer wrong on the application and the carrier can void the entire policy after a breach, even if the rest was true.
Product Recall Insurance: Why an Online Seller’s Liability Policy Won’t Pay to Pull a...
Most online sellers think their product liability policy covers a recall. It only pays for injury lawsuits. The cost of actually pulling the product is a separate policy most sellers never buy.
Dram Shop Liability: Why One Over-Served Customer Can Bankrupt a Bar That Thought It...
Most restaurant owners assume their general liability policy covers a lawsuit from a drunk-driving customer. It does not. Here is how dram shop liability works and the separate policy that actually covers it.
Why a Single Big Claim Can Empty a Contractor’s $1M Liability Policy for Every...
Most contractor general liability policies share one aggregate limit across every job on the schedule. A single big claim can drain the policy for everyone else. Here's the endorsement that stops it.
