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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, […]

Boards of Nonprofits would want to see this coverage active and in force. Directors and Officers Insurance provides defense and liability coverage for which the board members become legally liable for as decision makers of the respective Non-Profit Board. In other words, the board members become personally liable for the decisions they make as board

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This is more of an issue than it is an insurance matter. When owners and executives in a business knowingly make ‘bad’ decisions for the business and the business suffers along with others involved in the business, such is a problematic insurance situation. In most cases no matter what kind of coverage you have, there

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%

The first time many businesses purchase insurance is due to a contract requirement. We find contract requirements to usually include a section about insurance as it relates to the specific work the business is conducting. The agreements will likely include general liability insurance but it could also include some of the following lines of business

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

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.