Excess Liability

Home Excess Liability What Is Excess Liability Coverage? Excess liability insurance increases your general liability policy limits. You may want to add this coverage if your business has a higher financial risk, or if a venue or event coordinator requires a higher limit than your existing policy provides.  Commercial excess liability comes in layers of […]

General Each Occurrence Limit

Home General Each Occurrence Limit What Does “General Each Occurrence Limit” Mean? The General Each Occurrence Limit is the most your insurance company will pay for a covered claim. What Is the Difference Between General Each Occurrence vs. General Aggregate? While the General Each Occurrence Limit is the most your insurance will pay on a […]

Insurance Premium

Home Insurance Premium What Is an Insurance Premium? Your insurance premium is the amount you pay to the insurance company to keep your policy active. You can typically pay this in annual, quarterly, or monthly installments. The cost of your premium depends on several factors, including your level of risk and what kind of coverage […]

Deductible

Home Deductible What Is a Deductible? An insurance deductible is the amount you need to pay before your coverage will kick in to cover a claim. This arrangement shares the financial risk between the insured and the insurance company. How Does a Deductible Work? If you make a claim on an insurance policy that has […]

Products-Completed Operations

Home Products-Completed Operations What Is Products-Completed Operations Coverage? Products-completed operations insurance is two types of coverage in one, covering both the products you sell and the services you provide. These are bundled together under the same aggregate limit on your general liability policy. What Does Products-Completed Operations Cover? Product coverage protects you against claims involving […]

Personal and Advertising Injury

Home Personal and Advertising Injury What Is Personal and Advertising Injury? Personal and advertising injury coverage responds to claims related to how you advertise your business’ goods and services. It’s included in most commercial general liability policies.  A personal injury is an act that infringes upon or violates the rights of an individual or business, […]

Property Damage

Home Property Damage What Is Property Damage Liability? Property damage liability covers third-party property damage related to your business operations. This coverage is included in a general liability policy. Suppose your business is responsible for damaging the property of a third party, such as a venue or fairgrounds. In that case, your insurance can cover […]

Insurance Claim

Home Insurance Claim What Is an Insurance Claim? An insurance claim is a compensation request sent to an insurance company for damages covered by a policy. An individual or business can make a claim to cover or recoup financial losses for: Medical bills Legal expenses Property damage Judgments Settlements   Filing a claim does not […]

Catering Insurance New York

NEW YORK CATERING INSURANCE When you have a city that is nicknamed “The Big Apple,” you know that food is going to be an important part of the landscape. New York has some of the best catering in the country and you have worked hard to create a catering business with food that your customers […]

Catering Insurance Florida

Home FLORIDA CATERING INSURANCE Florida is a great place to live and work. And it attracts thousands of people each year because of its tourist attractions and warm weather. And in many cases, these visitors are having celebrations or holding business meetings that require a lot of food to feed the participants. This is where […]