General Liability

Social inflation, also known as legal system abuse, refers to the rising costs of insurance claims due to various societal and legal factors

Falling from a height can cause serious, even life-threatening injuries depending on how far a victim falls.

Propane heaters provide an additional source of heat for rooms that do not receive enough warm air from an HVAC system. They are also particularly helpful on construction sites during winter months when heat systems may not yet be installed.

A contractor is hired to remodel a store in a busy commercial area. The contractor’s painting subcontractor leaves a bucket of oily rags in the alley next to the store overnight, and they ignite, completely destroying the neighboring building. The cost to replace the building and its contents is over $2.8 million. The contractor’s contract with the painting subcontractor contains an Additional Insured provision, but it only requires the subcontractor to carry liability limits of $500,000. The subcontractor has no assets beyond the policy’s $500,000 limit, and the contractor is sued for the additional $2 million plus in damages. The contractor’s own liability insurance carrier must defend against the lawsuit and pay any covered amounts up to the limits of liability coverage. This is where knowledge of Contractual Risk Transfer is crucial.

Hotels offer their guests many amenities, but perhaps no amenity has more influence on where guests stay than a swimming pool. Whether your hotel pool is indoors or outdoors, it acts as the magnet that draws your guests together.

One of the biggest reasons that it has taken so long to train autonomous vehicles is the sheer number of calculations that the human brain has to make every millisecond in order to stay safe on the road. Though the reality is getting close and research has advanced insanely quickly in the past 5 years, a full regulatory acceptance—let alone consumer embrace—is going to require a lot of proof.

Small businesses need the right types of insurance to protect assets against damage and legal claims. That said, many business owners are uncertain of what they need when it comes to their coverage, as the process can be confusing and, often, overwhelming.