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    • All Specialized Prop & Liability Topics
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Using Carve-Outs to Customize Your Insurance Program

August 29, 2014 by The Insurance 411Leave a Comment

Carve-outs offer flexibility

Carve-outs can help organizations better manage their property and liability exposures by “carving out” specific risks and insuring them separately. The technique might also save money. As insurance prices continue to increase and coverage becomes more restrictive, business owners and CFOs are looking for alternative ways to manage their risks. Some are turning to carve-outs,...
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Filed Under: Essential Property and Liability Insurance   •  General and Auto Liability   •  Property

Why Empty Buildings Are Full of Risk

August 28, 2014 by The Insurance 411Leave a Comment

Empty Buildings Are Risky

Vacancies create a host of problems for owners besides lost income. Here’s a list of some problems to be aware of, and what you can do to mitigate them. Vandalism Empty buildings practically call out to vandals. Although your commercial property policy covers property damage due to vandalism, most policies severely limit coverage once a...
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Filed Under: Essential Property and Liability Insurance   •  Property

Are You Guilty of Copyright Violation?

August 28, 2014 by The Insurance 411Leave a Comment

Copyright Violations

U.S. copyright law protects both published and unpublished original works, including music. Violating another’s copyrights can result in fines from $750 to $150,000 per violation, or each song illegally played. Did you know that U.S. copyright law might consider you a “performer” if you play music, live or recorded, at your place of business? If...
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Filed Under: General and Auto Liability

Why You Might Need Contingent Business Interruption Coverage

July 10, 2014 by The Insurance 411Leave a Comment

Contingent Liaiblity

No man is an island, they say. And neither is a business. As Hurricane Sandy and Winter Storm Nemo demonstrated, businesses today are increasingly interdependent. Contingent business interruption insurance can protect you when a covered loss affects a “contingent business location.” Most businesses have some business income (also known as “business interruption”) insurance. If you...
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Filed Under: Business Income Insurance   •  Essential Property and Liability Insurance

When To Make Sure Your Business Auto Policy Covers Employees With Their Own Cars

July 10, 2014 by The Insurance 411Leave a Comment

Business Auto Policy

Just because an employee uses a personal auto does not relieve the employer of liability if he or she injures someone while on the job. In many companies, employees drive during the course of their jobs — whether for deliveries, calling on clients or picking up supplies. They use their personal car rather than company...
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Filed Under: Essential Property and Liability Insurance   •  General and Auto Liability

How Umbrella Liability Insurance Protects Your Cash Flow

July 10, 2014 by The Insurance 411Leave a Comment

Umbrella Insurance

The typical small or mid-sized business has liability limits of between $500,000 and $2 million on either a business owner policy (BOP) or commercial general liability policy. In addition to your BOP, you might also have liability coverage under other policies. Typical, these would be an automobile liability policy or employers liability policy. So why...
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Filed Under: Essential Property and Liability Insurance   •  Umbrella and Excess Liability

Debris Removal Insurance and Other Risks You Might Have Overlooked

July 9, 2014 by The Insurance 411Leave a Comment

Increased Cost of Construction and Debris Removal

A strong insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important coverages, your property coverage could leave you short of the funds needed to rebuild and recover. Increased Cost of Construction Do you own your business premises? Any building more than a few years...
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Filed Under: Essential Property and Liability Insurance   •  Property

How a Business Income Worksheet Helps You Rebuild after Disaster

July 9, 2014 by The Insurance 411Leave a Comment

Business Income Worksheet

An estimated 70 percent of companies that undergo a major loss eventually go out of business because they failed to plan for the disaster. Proper planning includes completing a business income worksheet. This worksheet can help you get all the funds you’re entitled to after a disaster—here’s how. Business property policies usually include business income...
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Filed Under: Business Income Insurance   •  Essential Property and Liability Insurance

Business Income Coverage: The Survival Plan for Small Business

July 9, 2014 by The Insurance 411Leave a Comment

Business income protects your income.

At least 30 percent of small businesses in the U.S. have been closed 24 hours or longer in the last three years due to a natural disaster, reports the National Federation of Independent Business (NFIB). FEMA, the Federal Emergency Management Agency, estimates that almost 40 percent of small businesses never reopen their doors following a...
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Filed Under: Business Income Insurance   •  Essential Property and Liability Insurance

Five Tips for Buying Business Insurance

July 9, 2014 by The Insurance 4112 Comments

Life Insurance 101

Use these tips to assess what types of business insurance you need for your business and how to get the best combination of protection and price. Assess Your Risks and Costs. Insurance companies determine the level of risk they’ll accept when issuing policies. Through a process is called underwriting, the insurance company reviews your application...
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Filed Under: Essential Property and Liability Insurance   •  The Basics

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