Ring in 2022 With a Policy Checkup for your Business

The arrival of January finds many small business owners coming off the busiest season of their year. In the midst of the hustle and bustle, it can be easy to overlook important changes that may have occurred with your business that need to be accounted for on your insurance policy. Prioritizing your annual policy renewal … Read more

Best Workers Comp Insurance In South Dakota For Your Business (rates from $42/month)

How Much Is Workers Comp Insurance In South Dakota? The median for worker’s comp insurance in South Dakota is $42.00 per month or $504 per year. In SD, workers’ compensation insurance costs may differ significantly depending on several criteria, such as the sort of business you run, its location, and your safety record. Who Has The … Read more

Best Workers Comp Insurance In Minnesota For Your Business (rates from $16/month)

How Much Is Workers Comp Insurance In Minnesota? The median for worker’s comp insurance in Minnesota is $16.00 per month or $192 per year. In MN, workers’ compensation insurance costs may differ significantly depending on several criteria, such as the sort of business you run, its location, and your safety record. Who Has The Cheapest … Read more

Best Workers Comp Insurance In California For Your Business (rates from $23/month)

How Much Is Workers Comp Insurance In California? The median for worker’s comp insurance in California is $23.50 per month or $282 per year. In CA, workers’ compensation insurance costs may differ significantly depending on several criteria, such as the sort of business you run, its location, and your safety record. Who Has The Cheapest … Read more

California Court of Appeal Shoots Down COVID-19 Business Interruption Claim

    The California Court of Appeal affirmed the trial court’s dismissal of the insured’s business interruption claim based upon COVID-19 government shutdown orders. The Inns by the Sea v. California Mut. Ins. Co., 2021 Cal. App. LEXIS 956 (Calif. Ct. App. Nov. 15, 2021). The Inns is the first state appellate court decision in the … Read more

Insurer’s Motion to Dismiss Business Interruption, COVID-19 Claims Under Pollution Policy Fails

    The insurer was unsuccessful in seeking to dismiss business interruption claims due to COVID-19 under a pollution policy. New York Botanical Garden v. Allied World Assur., 2021 N.Y. Misc. LEXIS 6012 (N.Y. Sup. Ct. Oct.15, 2021).     The insured was forced to cease operation after executive orders by the governor and mayor … Read more

Insurer’s Motion to Dismiss COVID-19 Business Interruption Claim Denied

    Determining that government shutdown orders during the pandemic were a physical cause of loss and finding the virus exclusion ambiguous, the court denied the insurer’s motion to dismiss. Risinger Holdings v. Sentinel Ins. Co., 2021 U.S. Dist. LEXIS 192474 (D. E.D. Texas Sept. 30, 2021).     Risinger owed several orthodontic practices. It held a policy issued … Read more

Law Firm’s Business Income, Civil Authority Claim Due to Hurricanes Survives Insurer’s Motion for Summary Judgment

    The insurer was unsuccessful in moving for summary judgment on the insured’s claim for loss of business income and civil authority coverage due to losses caused by two hurricanes. Townsley v. Ohio Security Ins. Co., 2021 U.S. Dist. LEXIS 202698 (W.D. La. Oct. 20, 2021).     Hurricane Laura struck southeast Louisiana on … Read more

Insurer’s Motion to Dismiss COVID-19 Business Interruption Claim Denied

    Determining that government shutdown orders during the pandemic were a physical cause of loss and finding the virus exclusion ambiguous, the court denied the insurer’s motion to dismiss. Risinger Holdings v. Sentinel Ins. Co., 2021 U.S. Dist. LEXIS 192474 (D. E.D. Texas Sept. 30, 2021).     Risinger owed several orthodontic practices. It held a policy issued … Read more

Protecting Your Business from Cyber Threats

Last week, we shared the scoop on current issues in cybersecurity. In this article, we’re arming you with the knowledge to avoid falling victim to cyber attacks and threats. Since many cybersecurity issues arise from the “human factor,” educating yourself is one of the best steps you can take to protect both your personal and … Read more