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Insurance, decoded.

Plain-English articles on coverage, claims, risk management and the fine print, written by people who read insurance policies for a living.

Homeowners · Sep 19, 2012

Reduce the Chances of Dog Biting

With dog bite claims accounting for over one-third of all homeowners insurance liability claim dollars in 2011, we remind dog owners to…Read more →
Certificate of Insurance · Sep 17, 2012

How to Reduce Liability When Selecting Subcontractors

General contractors and/or prime contractors are designated “controlling employers” in the Occupational Safety and Health Administration (OSHA) construction standard. Controlling employers are…Read more →
CGL Commercial General Liability · Sep 17, 2012

Avoiding Liability on Your Website

The Internet provides a rich environment for creative communication. Used with care, it can assist in increasing product safety. But in their…Read more →
Coverage · Sep 6, 2012

How to Ease the Insurance Claims Process

Here are some simple things you and your loved ones can do now to ease the insurance claims process should you suffer…Read more →
Business Owners Package Policy · Sep 4, 2012

September is National Preparedness Month

A recent Travelers survey found that 48% of small business owners do not have a written business continuity plan. That’s especially troublesome…Read more →
Alabama · Aug 27, 2012

Smartphone App for Workers’ Compensation

With this blog post we decided to start posting reviews about mobile applications related to insurance industry. Google wants to make our…Read more →
Building · Aug 24, 2012

Common Cause of Fire – Laundry

An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire departments each year and cause an estimated $35…Read more →
California · Aug 23, 2012

Sexual Abuse Awareness

No one ever wants a child or client to be harmed. Sometimes, however, we can miss child safety keys and best practices.…Read more →
Claims · Aug 5, 2012

What is “Manifestation Provision” in Insurance Policy Means

The “first manifestation” provision may significantly modify or deviate from the most recent ISO Commercial General Liability policy form, CG 00 01…Read more →
Coverage · Jul 31, 2012

CarFax Vehicle History Data Use in Insurance

Carfax Inc. reported that federal officials have approved its patent applications for its auto insurance underwriting and rating system based on vehicle…Read more →
Business Owners Package Policy · Jul 10, 2012

Insurance for Adult Day Care Center

Paperless’ Health & Human Services Insurance Program includes coverages that are specifically designed to protect the unique needs of professional Adult Day…Read more →
Business Owners Package Policy · Jul 6, 2012

Small Business Safety Tips: Business Property

Possible accidents: Fire occurs due to outdated or old wiring damaging both the building your business owns and some of your equipment…Read more →

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