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D&O Policy Pricing

While the Directors and Officers (D&O) insurance market for Initial Public Offerings (IPO) and Special Purpose Acquisition Companies (SPAC)  remains challenging in both pricing and capacity, the overall market predictions for public and private D&O insurance are cautiously optimistic as we head into the second and third quarters of 2022. The D&O market remains in a holding pattern with 5% to 10% price increases as the world continues to experience economic uncertainty in the aftermath of the pandemic. Initial concerns about high volumes of company bankruptcies and/or security claims following COVID-19 have not materialized, and while inflation is a known concern, its… Read More »D&O Policy Pricing

Credit Card Incident Response Policy Template

To address credit cardholder security, the major card brands (Visa, MasterCard, Discover, and American Express) jointly established the PCI Security Standards Council to administer the Payment Card Industry Data Security Standards (PCI DSS) that provide specific guidelines for safeguarding cardholder information.  Use the template below to handle breach, theft and fraud related to credit card transactions. Download

Protect Your Special Gifts and Most Treasured Possessions

The most valuable possession that you own is probably your home. It’s also one of the most vulnerable. Weather accidents, floods and property mishaps can easily damage it. But it’s not just the outside structure of your home that’s so valuable. Your contents and possessions inside it also require unique coverage. In this article, we’ll help you learn more about insurance protection for your valuable items.   What Is Insurance for Your Valuable Items? Most renters, condo and homeowners insurance policies will cover your personal property, including items like: Furniture Clothing Appliances But your basic policy may have some restrictions when… Read More »Protect Your Special Gifts and Most Treasured Possessions

Marital Status and Personal Insurance

Your particular insurance needs depend, in part, on who you live with and your relationship to them. Most changes to your relationship status will warrant an insurance policy update. If you don’t update that information, your insurance company may have incomplete information about who’s sharing your home or your car, and you may have too little or too much coverage. Insurance Needs for Single or Single with Roommates Whether you rent or own, whether you live alone or with roommates, you should have an insurance policy to cover your home and possessions, as well as the necessary car insurance. Your guests, your roommates, and their… Read More »Marital Status and Personal Insurance

Protecting Against Slips, Trips and Falls During Winter

While slip, trip and fall hazards are present year-round, there is an increased potential for them in the winter months due to snow and ice. As a property owner or manager, you must make a reasonable effort to reduce the potential for injury to your guests, employees and patrons. Any business that has people visiting its facility (e.g., hotels, apartments, manufacturing firms, shopping centers, supermarkets, office complexes) can be susceptible to this hazard and the associated liabilities. The first line of defense against slip, trip and fall incidents includes having a well-planned strategy and implementing a snow and ice removal… Read More »Protecting Against Slips, Trips and Falls During Winter

How to Start a Small Online Business

Starting a small online business doesn’t need to be hard. Here are 6 easy steps to start a small business. Let us help with business ideas and answer small online business questions!

Top Businesses To Start In 2022

As you contemplate the year ahead, have you been thinking about starting your own small business? When it comes to great business ideas, there’s no better time than now to take the plunge. These days, more and more people are starting their own businesses. What’s driving this increase in small business startups? E-commerce has seen incredible growth due to COVID-19. One reason for this? During the pandemic, more and more consumers did their shopping online. This means it’s easier to both buy and sell online, a factor that’s beneficial for launching and operating successful businesses. At the same time, many… Read More »Top Businesses To Start In 2022

What is a DBA and Should You File for One

There’s much more to know about DBAs — after all, every state has its unique rules and requirements. Do some research online and find out what you need to do. You’ll likely find that the time and effort you put into a DBA is a worthwhile investment in the future of your business.

Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same

Denial of Commercial General Liability Coverage (CGL) coverage for certain types of property damage claims made against contractors or other repair or service business frequently cite exclusions j. (5) and j. (6), or as Randy Maniloff1  has named these exclusions, the “double js.” Put another way, these exclusions are appropriately labeled “double js” because if an insurer is citing one “j.”, it will almost always cite the other “j.” as a basis for a coverage denial.   The problem with lumping together of exclusion j. (5) and j. (6), which is the most prevalent when the property damage being claimed is… Read More »Commercial General Liability Exclusions j. (5) and j. (6) Are Not the Same