His Restaurant Fire Cost $340,000. His Policy Paid $210,000 Because He Never Updated His...
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.
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.
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.
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.
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.
Fire Destroyed His $480,000 Addition Mid-Build. His General Liability Policy Paid Nothing Toward the...
Marcus Holloway watched fire destroy a $480,000 residential addition mid-build. His CGL paid nothing toward the rebuild. Builder's risk would have.
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.
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.
Your Liability Policy Pays the Hurt Customer. It Won’t Pay the $40,000 to Pull...
A general liability policy pays the customer your product hurt. It won't pay the bill to run the recall itself. Here's the coverage that fills that gap.
Her Cyber Policy Paid the Breach Claim in Full. The Card Network Still Billed...
Her card processor billed her for a fine she'd never heard of. Her cyber policy had already paid the breach claim, but this was a different bill entirely.
