Guides
What Canadian cyber insurers ask before covering a small business
Canadian cyber insurance requirements start with MFA, backups and privacy duties. IBC guidance shapes quotes, premiums and claims for small firms.
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Guides
Guides
What OSHA and state workers comp rules mean for your commercial coverage package
Business insurance costs track OSHA compliance and state workers comp rules: here is how enforcement, NCCI ratings and State Plans move premiums.
Guides
How to read a US commercial insurance policy, declarations to exclusions
This commercial guide explains how to read a US policy from declarations to exclusions, ISO forms, endorsements and the IRS treatment of premiums.
Guides
Business interruption coinsurance explained with a step-by-step US example
Business interruption coinsurance sets the limit you must carry. Here is the formula and a US example showing how underinsurance cuts a claim payout.
Guides
Before you act on an insurance by industry review, check your policy against your business
Insurance by industry review in five steps: describe your business, check the class and policy, revisit each exposure base, reconcile contracts, write to the broker.
Guides
5 details of workers compensation rules people miss
Five workers compensation rules that catch employers out, from owner elections to experience modification, and where each one is actually written.
Guides
Commercial property mistakes that sit quiet until a loss exposes them
Commercial property mistakes stay free until the day of a loss: stale values, coinsurance, the lease boundary, and what the schedule never mentioned.
Guides
Which general liability insurers to shortlist, and why
General liability insurers worth shortlisting differ by appetite, policy form, and claims handling, so match the carrier to your trade before comparing price.
Guides
Insurance renewals mistakes: reporting changes mid-year
Insurance renewals mistakes often start months earlier, when a new service, state, vehicle or contract goes unreported. What to tell the insurer, and when.
Guides
5 wording checks that move professional liability cost
Professional liability cost: the five points to check in the policy wording, the consent to settle clause, and the costs that sit outside the premium.
Guides
General liability coverage: what counts as third party, and what does not
General liability covers harm to other people and their property, and nothing else. The gaps are deliberate, and each has a policy built to fill it.