Business Insurance

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.

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.

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.

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.

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.

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.

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.

A Business Owner's Policy protects your bar or restaurant from many risks — but it almost always excludes alcohol-related lawsuits. One overserved customer and a Dram Shop claim could expose your business to a seven-figure lawsuit with no coverage. Here's what liquor liability insurance covers and why it's non-negotiable for any business that sells alcohol.

Many contractors assume general liability insurance covers any problem on a job. In reality, the “your work” exclusion prevents the policy from paying to repair your own faulty work.

Running a retail store involves constant decision-making, customer interaction, and operational responsibility. Whether you sell apparel, electronics, or specialty goods, your business faces risks...