How safe is private information when stored electronically? You may not want to know the answer to that question. But if you’re just a bit curious, consider visiting privacyrights.org/data-breach. The site allows you to scroll through a frequently updated chronological list of reported breaches of private data. Some data are lifted from large companies everyone’s heard of. What’s surprising is how many of the violations occur at smaller organizations. The information on this

One of the common questions regarding general liability insurance for restoration contractors is who is covered on the policy. Under the standard public liability policy, there are two main types of insureds: named insureds and additional insureds. Named insureds are named in the declarations pages of the policy or defined as insured within the procedure itself. Additional insureds are companies or individuals not named on the policy's declarations page but are afforded cove

Admitted Insurance Company vs. Non-Admitted Insurance Company for Restoration Contractors Insurance for restoration contractors is very specialized. As such, we often work with both admitted insurance companies and non-admitted insurance companies. This post will discuss the difference between the two types and why this is so important to your restoration company. Admitted Insurance Carriers An insurance company that is “admitted” has been approved by a state’s insurance dep

Commercial auto insurance policies protect several different parties; you, your vehicle, and others. Covered auto symbols allow you to customize the extent that liability coverage is extended to these parties. The emblem may pertain to either a kind of vehicle (i.e., private passenger) and the vehicle's ownership status (i.e., owned, hired, etc.). The applicable symbols are numbered 1 through 9. They are found on your business automobile insurance policy's declarations page c