A Fingerprint-Clock Lawsuit Put His Exposure at $850,000. His Renewed Policy Excludes It by...
A fingerprint time clock triggered a BIPA lawsuit against his warehouse, and his renewed EPLI policy excluded it by name. Here is why that exclusion exists and what it can cost.
A Customer’s $9,000 Camera Was Inside When the Fire Started. His Commercial Property Policy...
A commercial property policy's $2,500 sublimit on customer belongings doesn't move no matter how much inventory a bailee business holds. Here's the coverage built for the real exposure.
Bernard Achebe Skipped an $18,400 Tail Endorsement in 2024. A 2019 Report Followed Him...
A structural engineering consultant learned that a claims-made policy stops watching the day it expires, not the day the work was finished, and the fix he skipped had a real price tag.
Renata Cabrera’s New Bakery Kitchen Caught Fire on Day 38. Her Automatic Coverage for...
A Business Owners Policy automatically extends coverage to a newly acquired or leased location, but only for 30 days and only up to set dollar caps. Miss that window, and a loss there isn't covered at all.
One Workplace Injury Can Raise Your Workers’ Comp Premium for Three Straight Years
One shoulder injury on a landscaping crew turned into a $53,460 premium swing over three years. Here's how the experience mod formula actually moves that number.
Her Cyber Policy Paid the $28,500 Forensics Bill in Full. The Notification Coverage Stopped...
When a vendor breach exposed thousands of her customers, one small business owner's cyber policy covered the forensics investigation without blinking, then drew a hard line at how many people it would pay to notify.
Grace’s Fire Destroyed $150,000 in Retail-Priced Candles. Her Policy Paid What They Cost Her...
Grace Halloran's boutique lost $150,000 in finished stock to a fire. Her policy paid half. The gap comes down to one word in the valuation clause: manufacturer.
Priscilla Served Wine at Her Boutique’s Client Event and Never Charged for It. That...
Serving wine at a client event doesn't make a business a liquor business, and that one distinction decides whether general liability pays a claim or excludes it.
Douglas Kwan’s Water Damage Bill Was $146,000. His Insurer Only Paid the Half His...
When a general contractor's own crew and a subcontractor both touch the same finished job, one clause inside the CGL "your work" exclusion can pay half a claim and deny the other half, on the same claim number.
His Motor Carrier’s $1 Million Policy Covers Every Load He Hauls. It Never Covered...
Reuben leased his truck to a carrier with a $1 million liability policy attached. The policy never covered the eleven-minute drive to the brake shop.
