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.
He Was Named Additional Insured. The Subcontractor’s Injured Worker Still Sued Him for $600,000.
He was named additional insured on the sub's policy and thought he was protected. Then the injured worker sued him, and one exclusion erased the coverage.
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.
