Business Interruption insurance is often misunderstood as a replacement of income.
Business Interruption coverage simplistically is the loss of profit plus continuing expenses for the period of time down due to a covered loss. In order to determine the appropriate limit you will need to know how long the recovery process ... Read More
Your Homeowners policy and personal Umbrella policy includes coverage for Bodily Injury, Property Damage and Personal Injury. This does not include coverage for serving on non-profit Boards.
You may purchase an individual Directors & Officers Liability policy if you want for your own protection however this is a separate policy from ... Read More
According to recent poll done by Zurich Insurance Company 50% of businesses who rely on global supply chains do not have a business-continuity plan in place.
Over the past four years 75% of respondents annually experienced at least one incident.
Top causes of disruption occurred from unplanned IT outages (55%), adverse weather ... Read More
Governor Jerry Brown recently signed SB 1446 allowing small groups with a health insurance plan that was in effect on December 31, 2013, and still in effect as of the passage of the bill, to renew their current health plan, even if it does not meet certain requirements under the Affordable Care ... Read More