Employment Practices Liability Insurance

This type of liability insurance is utilized and activated during the employment process as well as the hiring/firing process. EPLI Coverage can also apply to circumstances when other employees discriminate against fellow employees. Usually the types of Employment Practices Claims seen are workplace conduct claims, discrimination claims, wrongful hiring and firing claims, failing to promote, …

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Coinsurance only becomes a problem when you fail to insure the property in question to the appropriate limits. If you fail to insure you property to the appropriate limits, you would face a penalty that could cost your business it’s financial future. Here is our suggestion, insure the property in question to at least 100% …

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Builders Risk

This coverage can be characterized in extremely broad strokes or thin lines. Basically, builders risk insurance covers a building or renovation projects for loss during construction (usually only provides property based coverages). On one hand, builders risk can provide coverage for equipment used on a specific job site, materials to be installed, fixtures, and sometimes …

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Actual Cash Value

Not to be confused with Market Value. ACV is calculated by taking what the Replacement Cost of the Item would be, minus the amount of the item used (depreciated value), equalling the dollar amount of the remaining life expectancy of the item. We would strongly suggest Replacement Cost Coverage, not Actual Cash Value.