What’s The Purpose of Insurance Exclusions?

What's The Purpose of Insurance Exclusions?

In the insurance industry, exclusions are quite an important factor. An exclusion is a provision within your insurance policy that makes coverage null in the cases of some risks. These exclusions can limit the coverage your insurance provides. So what’s the purpose of insurance exclusions? Usually, insurance policies cover quite a large area. However, insurers …

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What Is Terrorism Insurance?

What Is Terrorism Insurance

The responsible business owner gets insurance for their business and its employees before they’ve hired the first employee to the ranks or signed their first contract. Most business owners will opt for commercial property insurance, which covers most of the risks that you might encounter as a business owner; sometimes this also includes other forms …

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What Companies Rate Insurance Companies?

What Companies Rate Insurance Companies?

When selecting an insurer, one of the most important things to look at is an insurer’s financial ratings. Financial ratings are independent reviews of the company’s finances, based upon several different factors that often vary from one review organization to another. There are four main companies that rate insurance companies in the United States. A.M. …

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When Do I Need Business Insurance?

When Do I Need Business Insurance?

When do I need business insurance? That’s a question that many people who are considering opening up a business have. Whether you run a small operation out of your house, you own a small mom-and-pop establishment, or you operate a large organization, you need business insurance. It’s one of the most important things you can …

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What Is An Insurance Binder?

What Is An Insurance Binder?

I am often asked. “What is an insurance binder?” The short of it is that an insurance binder is a document that provides temporary evidence of insurance until the underwriting process is complete and the policy can be issued. An insurance binder is not just a nice folder that you use to hold your insurance …

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Please Read Your Insurance Policies!

Business Owners Insurance Package Policy

I was just doing some studying on the Businessowners Policy (BOP) a policy that combines property and liability coverages into a package for small business. The basic Insurance Services Office, Inc. (ISO) Businessowners Coverage Form (standard forms used by many insurance companies) is fifty six (56) pages long! And in small print! I can tell …

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