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What Insurance Do You Need, and Why?

— by Cathy Daugherty After more than 20 years in the insurance industry, and 15+ as a NAWBO member, I’ve gained a lot of insight by watching the industry, listening to clients, talking to legislators, and devoting thousands of hours to training for my...

A Defense Under Reservation May Be Less Than Expected

When an insurer agrees to defend a policyholder against a lawsuit, the insurer often will assert that it reserves various rights that could have the effect of limiting or denying coverage for the policyholder, and may allow the insurer to seek reimbursement from the...

Insurance May Help Offset Costs After A Cyber-Attack

by Aneeta Kumar – Data breaches of business systems. Theft of consumer debit and credit card information. Hacked iPhone photos. Improper disclosure of personal information. According to a September 24, 2014 report on Marketwatch.com, 43% of companies reported...

Understand and Preserve Your Insurance Policies

by Aneeta Kumar – Your business insurance policies can be valuable assets now and in the future. To obtain their maximum potential benefits, understand your coverages and maintain your polices so they may be accessed easily should the need arise. During policy...

If At First You Don’t Get Coverage, Try, Try Again

by Aneeta Kumar – When an insurer denies a liability claim, don’t just accept it.  Independently evaluate coverage by looking at all of the facts and allegations, and at the entire insurance policy, to identify possible grounds for coverage. A carrier may base its...

Additional Insured Issues

by Aneeta Kumar – There are circumstances in which you may ask a contractor, supplier or other business partner to add you to its insurance policy as an additional insured.  You may make the request in order to reinforce or fund an indemnity obligation or to seek...