The Differences Between Excess Liability and Umbrella Insurance
An unexpected accident or claim can result in skyrocketing costs that could potentially bankrupt your business. However, California business owners can protect themselves with an umbrella or excess insurance policy that provides additional coverage.
Contractors, no matter what industry they work in, face environmental risks stemming from operations on a daily basis. For most contractors, a single pollution incident or loss can seriously damage their reputation, operations and even their balance sheet
Finding insurance for an event is hard enough, but if you're a promoter
of hip hop and rap events, you probably know just how difficult it can
be to find affordable coverage in California and on the west coast.
To reduce the danger of COVID-19 transmission in the workplace, the Occupational Safety and Health Administration (OSHA) has published an emergency temporary standard (ETS). The ETS creates legally obligatory standards to safeguard unvaccinated employees of major employers (those with 100 or more employees) from contracting COVID-19 at work.
Insurance Guide for Building Cleaners, Day Porters, and Commercial Janitorial Companies
This handy guide will give you an overview of insurance terms and coverage you should consider when running a day porter or commercial janitorial company in California. Learn about common exposures, recommended coverages, and cost-saving measures you can take to ensure your business thrives.
Take this quick to determine your risk of exposure for cyber liability. When cyber attacks (such as data breaches and hacks) occur, they can result in devastating damage, such as business disruptions, revenue loss, legal fees, and forensic analysis and customer or employee notifications.
Recommended Insurance Coverages for Software and Game Developers
From pre-packaged developers like game development, to customized services like line-of-business web applications, Metro speaks your language and knows right where to go for the best coverage and pricing.
Specialized technology insurance is relatively new and the terminology is still evolving as more claims are handled and new exposures are discovered. Here are some commonly used tech terms in the insurance industry!
Across the country, employers pay almost $1 billion per week for direct workers’ compensation costs alone, which comes straight out of company profits. In fact, lost productivity from injuries and illnesses costs companies roughly $63 billion each year.
Errors & Omissions Insurance: A Cost-effective Approach to Protecting Your Business
E&O insurance is supplementary liability insurance that enhances any business owner’s policy by safeguarding against catastrophic loss in the event of a lawsuit due to a negligent act, error or omission by the professional. In addition to claims of error, omission, or negligence, E&O insurance can also protect against slander, libel and breach of contract.
If one of your products harms a customer or
other stakeholder in any way, they can sue your business, leading to
costly legal fees and settlements that can easily reach six figures.
That’s why, to protect against claims and ensure the longevity of your
business, you need product liability insurance. Read on to learn all
about the real-life applications of this coverage.
General Liability Insurance: Your Defense Against Liabilities
The only way to effectively protect the assets of your business is to carry adequate commercial general liability (CGL) insurance coverage. CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.
Most states require car owners to buy certain types and minimum
amounts of insurance coverage before they may legally drive their cars. This chart shows the mandatory requirements for bodily injury (BI) liability,
physical damage (PD) liability, no-fault personal injury protection (PIP),
uninsured motorist (UM) and underinsured motorist (UIM) coverage. It also
indicates which states have only financial responsibility (FR) laws. Additional
information follows the chart.