General Liability

Football and small businesses: Models for championship performances

Getty Images Every year in early February, the nation fixates on an annual event that generally draws the largest TV audience: the Super Bowl. The Super Bowl LI contest between the Atlanta Falcons...

Scrooge & Marley, PLC: A commercial insurance case study

Scrooge & Marley, PLC, was a privately held partnership in 19th-century England that operated out of a dingy warehouse in the Cornhill section of London. Partners Ebenezer Scrooge and Jacob Marley...

The Insurable Risks of Zombie Attacks on Small Businesses

Zombies are sweeping the nation—at least if you believe the media and pop culturists. The walking dead are everywhere, from cities and small towns to homes and offices. While most people try to...

Insurance and the presidential conventions

As was evident while viewing the Republican and Democratic National Conventions, the political operatives of their national committees truly delved into the minutia of how to spin their respective...

Risks and rules for small commercial drones

Drones are entering the mainstream. The agriculture and real estate industries may currently dominate commercial usage, but a wide and varied market is shaping up. Many fields can use drone...

What to look for when underwriting a general liability policy

Underwriters today have a thirst for reliable data but often face daunting research challenges to find it. They also face disjointed data sources that provide inaccurate and incomplete information....

General liability classification shouldn’t be a guessing game

Other than historical loss experience, there are three fields on an insurance application that lay the groundwork for a general liability quote: address (territory), exposure (sales, payroll, squar...

Risk selection for general liability underwriters

Typically, when a general liability underwriter receives an application for insurance, the first task is to quickly determine if it’s a risk that can be written based on their underwriting...

Playing Restaurant Roulette with General Liability

There are more than 1 million restaurants in the United States, and anyone who’s ever eaten out can attest to the fact they are not all alike. From fast food joints and greasy spoons to haute cuisi...

On the twelfth day of Christmas my insured gave to me…

For the most part, insurance customers present manageable risks to their insurers. Of course, if all properties were perfect, we wouldn’t need to have loss control, risk management, underwriting, o...