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Commercial General Liability Insurance - INSURICA

Commercial General Liability Insurance – INSURICA

Running a business comes with significant risk. Everyday interactions, such as serving customers, visiting clients or running marketing campaigns, can expose businesses to potential liability. A customer could slip on a wet floor, a contractor could accidentally damage a client’s property, or a marketing campaign could unintentionally harm the reputation of a competitor. Just one […]
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What Happens If Your Business Is Sued? Understanding Liability Insurance

What Happens If Your Business Is Sued? Understanding Liability Insurance

For many small business owners, a lawsuit feels like something that happens to other people. The reality is that legal claims can arise from everyday situations, often without warning. A customer slips and falls. A client claims your work caused financial loss. An advertising decision triggers a dispute. Even when a claim is unfounded, responding […]
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Understanding Educators Legal Liability (ELL)

Understanding Educators Legal Liability (ELL)

Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide defense […]
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Taxable Life Insurance Situations

6 Situations That Create Tax Liability • The Insurance Pro Blog

Life insurance has earned a well-deserved reputation as one of the most tax-advantaged financial vehicles available. The ability to grow cash value tax-deferred and access it tax-free has made whole life and universal life insurance popular choices for building wealth. However, it’s crucial to understand that not every life insurance transaction is tax-free. As someone […]
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2024 Midyear Market Outlook: General Liability Insurance

2024 Midyear Market Outlook: General Liability Insurance

The general liability insurance market has faced hardening conditions in recent years, largely due to increasing claim frequency and severity. As such, most policyholders have encountered ongoing rate jumps, stringent underwriting standards and limited capacity. Fortunately, insurance carriers recorded improved underwriting results in 2022-23, allowing for premium moderation. These conditions have pressed on in 2024 […]
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Hosting a Backyard BBQ? Don’t Forget Liability Insurance

Hosting a Backyard BBQ? Don’t Forget Liability Insurance

Summer is the perfect time for gathering friends and family for a backyard BBQ. The combination of delicious food, good company, and warm weather creates an ideal setting for making memories. However, hosting such an event comes with responsibilities and potential risks. From food safety to managing guests and preventing accidents, careful planning is essential. […]
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Navigating Liability Risks on School Field Trips

Navigating Liability Risks on School Field Trips

As the end of the academic year approaches, schools must take proactive measures to ensure the safety and security of their campuses. End-of-year property inspections play a crucial role in identifying potential hazards, addressing maintenance issues, and maintaining a safe environment for students, staff, and visitors. In this article, we will explore the importance of […]
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