Many people believe that large companies face the greatest cyber liability risks—a belief that’s reaffirmed each time a major corporation’s data breach makes headlines. But, it’s actually startups and small businesses that are the most...
Your malpractice insurer sent a Reservation of Rights Letter (ROR) after claim is reported. Don’t panic this does not mean your insurer is going to deny your claim. An ROR is a standard procedure for malpractice insurance claims departments. The ROR...
Why you do not need both.1st dollar defense (FDD) is also called a loss only deducible. Whichever name is used they mean the same thing. With FDD the insured is only responsible for the deductible if there is an indemnity payment required on the...
Contractual Liability is a common attorney malpractice policy exclusion. As there is not a common policy form this ‘exclusion’ may or may not be found in the policy exclusion section. The different exclusion wording appears in many...
If you own a business, you are likely required to carry workers compensation insurance in order to protect your employees who are injured on the job. Most injuries are physical such as sprains and breaks from falling or pulls from lifting heavy objects, etc. However,...
