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.
A Fired Worker Sued Marcus for $400,000. His EPLI Paid – But Only After...
His EPLI policy had a $1 million limit. It still cost him $25,000 out of pocket before it paid a dime. Here is the retention math most owners miss.
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.
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.
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.
How to Choose the Right Insurance Coverage for Your Retail Business
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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.
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.
The Different Types of Business Insurance Explained
Running a business comes with risk—some expected, some unavoidable. Whether you operate a storefront, provide professional services, or manage company vehicles, unexpected events can...
A Truck Crash Left an Injured Driver With a $600,000 Judgment. Ray’s Insurer Paid...
A crash left an injured driver with a $600,000 judgment. Ray's insurer paid it because of one federal endorsement, then sent Ray the bill. Here is how the MCS-90 really works.
