Phishing scams, ransomware demands, malware infections and other digital “attacks” remain the most significant. Why? Their vulnerability is not solely due to their sophistication, but also because of their tendency to exploit human errors, outdated software, and avoid danger by thinking it won’t happen. By utilizing cyber liability insurance, most cyber attacks can be avoided, …
If you live in or near a designated flood zone, getting flood insurance can be the difference between saving your life and facing financial ruin. To learn about flood zones, the coverage of flood insurance, and why coastal communities should consider obtaining flood protection. Please take your time to read carefully. Define the concept of …
The purchaseer’s market is characterized by a soft market with stable premium rates, generous coverage terms, fierce competition among insurers, and ample risk appetite. A tough market (seller’ s market) is characterised by rising premiums, reduced coverage, increased flexibility for underwriters and reduced risk exposure. Firms are now observing a strengthening market after one of …
But every tide eventually turns. And the brokerage sector is beginning to feel the undertow. Organic Growth Slows, M&A Cools Interest rates are no longer the bargain they once were. The cost of capital is climbing, and liquidity isn’t as easy to come by. M&A deal activity dropped nearly 30% in the first eight months …
That’s where marina insurance steps in. It isn’t just a box to tick for compliance—it’s a shield, a safety net, and in some cases, the only thing standing between a business surviving or going under. What Is Marina Insurance? At its core, marina insurance is designed to cover the unique liability exposures of running or …
Here’s how to prepare your car for winter like a pro: 1.Keep an Eye on Tire Pressure When temperatures plummet, so does tire pressure. Underinflated tires mean less grip on icy roads—never a good combination. Make it a habit to check your tire pressure weekly to ensure maximum traction and control. 2.Test Your Battery’s Strength …
Left unaddressed, burnout can wreak havoc not just on your career, but also on your body, your relationships, and your immune system. The good news? There are practical ways to cope, heal, and even prevent burnout from consuming you. What Exactly Is Burnout? Early warning signs include: Loss of interest or motivation at work Irritability …
“Does homeowners insurance actually cover the garage?” The short answer? Yes—but with important caveats. Let’s walk through the details in plain language, minus the legal jargon. What Homeowners Insurance Usually Covers A standard homeowners policy is designed to protect you from life’s unexpected gut punches—fires, theft, storm damage, or accidents that make your home suddenly …
Let’s break down the five most common home upgrades that might quietly reshape your insurance. 1.Building an Addition or Extra Living Space That sunroom you’ve always wanted, or the basement you just converted into a cozy family den, doesn’t just add comfort—it increases your home’s value. With more square footage comes higher replacement costs, which …
The problem is that the building itself is not covered by your landlord’s insurance; just the building is. Unless you have renter’s insurance, you are on your own. And here’s the thing: a monthly takeout order is roughly equal to the cost of renter’s insurance. $10 to $20, depending on your coverage and region. Yes, …