Standard Homeowners Insurance Provides Limited Coverage for Home-Based Businesses If you have a home-based business, then you may need…

Explosions are a covered peril on most homeowners insurance policies. If you experience a gas leak, propane grill explosion,…

Estimated maximum loss (EML) refers to the highest potential loss possible from a single event. Probable/possible maximum loss (PML),…

Once a storm has a name – like Hurricane Milton or Hurricane Helene, it can significantly change future insurance…

Yes, insurers can and will sue policyholders regularly. In an insurance claim dispute, insurers could sue a policyholder if…

In most of the United States, insurance policies don’t cover sinkholes, landslides, or other issues linked to collapsed ground….

Most BOPs exclude intentional damage, for example. Policies also typically exclude professional liability coverage, auto insurance coverage, and worker’s…

Insurers, however, don’t want to pay the maximum amount for every liability claim. That’s why all commercial general liability…

Some insurance podcasts are for industry employees – like adjusters or insurance agents. Other insurance podcasts are for policyholders….

There are obvious reasons you’re paying higher rates – like inflation and higher rates of natural disasters. However, these…