January 22, 2024
jdowdinsDoes Your Business Need Product Guarantee Insurance?
Does Your Business Need Product Guarantee Insurance? Many businesses face risks related to their product’s performance, and claims in this area can have significant and far-reaching consequences. Product guarantee insurance can be an integral part of a company’s insurance portfolio, as it may offer valuable protection against allegations that a business’s product failed to meet […]
February 19, 2024
jdowdinsWorkers Comp: Return-To-Work Programs
Types of Transitional Duties in Return-to-Work Programs When an employee experiences an occupational illness or injury, their eventual return to the workplace can create considerable challenges, putting significant stress on both the individual and their employer. Nevertheless, return-to-work (RTW) programs can help alleviate these concerns by supporting staff as they reintegrate into the workforce. These […]
February 29, 2024
jdowdinsNavigating the Cyber Insurance Claims Process
Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent over the past decade, impacting organizations of all sizes and industries. These incidents are only expected to become more damaging and devastating in the years ahead, making it difficult for organizations to recover. In fact, global cyber economy researcher and publisher Cybersecurity […]
March 15, 2024
jdowdinsHow To Protect Vacant Business Properties
Vacant buildings both face and pose several unique risks that must be addressed by property owners to safeguard their properties. These risks include elevated exposure to criminal activities, water damage, maintenance concerns, fire hazards, pest infestation and environmental risks. If a commercial property stays vacant for any period, it’s crucial to protect the investment and […]
March 27, 2024
jdowdinsWhy Do Small Businesses Need Business Interruption Insurance?
Small businesses regularly face several risks that could necessitate a temporary shutdown or reduction of operations, both of which can have devastating effects on a business. One way businesses can protect themselves from the financial impacts of these occurrences is by securing business interruption insurance. This type of coverage can offer valuable assistance following a […]
April 17, 2024
jdowdinsWhat Are Common Commercial General Liability Insurance Policy Exclusions
Commercial general liability (CGL) insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization is held liable for injuring third parties or damaging their property amid nonprofessional negligent acts or in the course of its usual business operations. This type of insurance may also […]
May 2, 2024
jdowdinsDoes My Business Need Equipment Breakdown Insurance?
If your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes breakdowns. And the losses sustained continue to increase with the rise of just-in-time manufacturing, […]
May 10, 2024
jdowdinsUnderstanding Commercial General Liability Insurance
General liability insurance, sometimes referred to as commercial liability insurance, protects businesses from financial loss should they be liable for property damage or personal and advertising injury caused by their services, business operations or employees. This video provides an overview of these policies and reasons why businesses should secure coverage of their own.