Your General Liability Policy Won’t Cover the Mistake That Actually Destroys Your Business
A Denver IT firm delivered a buggy platform, got sued for $340,000, and their General Liability insurer declined the claim entirely. GL doesn't cover professional errors, and most service businesses don't know that until it's too late.
What to Do in the First 72 Hours After Property Damage at Your Business
A Cleveland deli owner's first settlement offer was $9,800. His documented loss was $42,600. The gap was a three-day paper trail almost no small business owner builds.
Your Commercial Auto Policy Won’t Pay When Your Tools Get Stolen Out of the...
A Denver HVAC contractor lost $14,800 in tools to a single break-in, and his commercial auto insurer paid for the door and nothing else. Here is the coverage he should have had.
The Additional Insured Endorsement That Quietly Runs Most Contractor Claims
A Phoenix drywall contractor handed his GC a certificate of insurance and got pulled off the vendor list six months later when the endorsement form was never actually attached to his policy.
Your Homeowners Policy Won’t Cover Your Home-Based Business
Rachel stored $12,000 in candle-making inventory in her garage. When a water heater leak destroyed everything, her homeowners policy denied the claim entirely.
Your Business Interruption Insurance Has a Condition Most Owners Never Read
Dana's restaurant sat dark for 11 days after a city water main break — and her insurer denied her business interruption claim because her building hadn't been touched. Most BOP policies have this condition buried in the language, and most owners never see it coming.
Your Employee Had an Accident in Their Own Car. Your Business Got Sued.
David's employee caused a $215,000 accident in his personal car while on a company errand. David's general liability policy had an auto exclusion. He had no HNOA coverage, and he settled for $142,000 out of his own savings.
Your General Liability Policy Won’t Pay for an Injured Worker. Here’s What Will.
Jason had $1 million in general liability coverage and felt fully protected. When a worker slipped on a freshly mopped floor and fractured her hip, his insurer declined the claim before the week was out. The reason had been in his policy all along.
How to Know If Your Business Is Underinsured Before a Claim Proves It
Marcus's restaurant fire cost $340,000. His policy paid $210,000. He never updated his limits after expanding. Here's how to make sure that isn't your story.
The Subcontractor Trap: Why Your HVAC Business May Owe Workers’ Comp Claims You Didn’t...
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.
