• 20
  • Apr2018

Umbrella & Excess Liability Insurance

Litigation against New York business owners and entities can run into the millions of dollars from losses arising from simple slip and falls to auto accidents to product claims, which necessitates high limits of liability protection found in Umbrella & Excess Liability policies.  Umbrella & Excess Liability Insurance most often will provide at least one million dollars

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  • 20
  • Apr2018

What is Employment Practices Liability Insurance or EPLI?

Employment Practice Liability Insurance Often referred to as EPLI is a form of Management Liability protection and can be made part of a management liability portfolio policy, including D&O and other coverage parts; or can be written on a sand-alone policy form.  This coverage form protects the company leaders and decision makers from allegations of wrongful acts

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  • 13
  • Apr2018

What is Professional Liability or E&O Insurance?

    Professional Liability Insurance, Errors & Omissions Insurance or E&O Insurance are common and interchangeable terms of insurance that cover a variety of professional occupations outside of the medical community.  Medical related professional policies are often referred to as malpractice insurance.   Professional or E&O insurance protects those in professional businesses from losses arising from their acts,

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  • 13
  • Apr2018

What is Marine Insurance?

There are two major headings when it comes to Marine Insurance. The most common form that many business owners are familiar with is Inland Marine which covers property that is mobile in nature, but moves over land and is not water borne. The second form is Ocean Marine, often called “Wet” Marine and covers property on

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  • 09
  • Apr2018

The Dangerous Gap when Excluding Executive Officers from a Workers Comp Policy

[embed]https://youtu.be/F5T3JMQCUZ4[/embed] Hi, I’m Gordon Coyle and today we’re going to talk about The Executive Officer Exclusion in the New York Workers Compensation Policy Okay, that’s a long title, but this is important.  In New York and in most other states employers have the option to exclude themselves from workers compensation.  Typically if your company is a

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  • 06
  • Apr2018

The $11.5 Billion Problem with Ransomware

Ransomware will cost U.S. businesses an estimated $11.5 billion in 2019. Let’s break it down and talk about some of the basics.   First, what is ransomware? Ransomware is a form of malware or malicious code which will infect a user’s computer and encrypt all of the data on that machine and typically on an entire

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  • 04
  • Apr2018

Contractors Beware of Action Over Liability Exclusions

[embed]https://youtu.be/HLrjhg32auc[/embed] Action Over Liability Exclusions Hi, my name is Gordon Coyle and today we're going to talk about what an action-over claim is or what an action over third-party liability exclusion is in your general liability policy. Action-over issues are misunderstood by a lot of contractors and insurance brokers in New York.   It's a pretty confusing

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  • 04
  • Apr2018

Driving Down the Cost of Workers Comp by Understanding the Valuation Date

[embed]https://youtu.be/R2tlydP9688[/embed] Why the valuation date in your workers comp policy is the most important date of the year. Now you may be saying “valuation date”?  I’ve never heard of that – what is it? Well the valuation date is day that all your workers comp payroll and claims information for the past three years is sent

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  • 16
  • Jan2018

Cyber Risk Scorecard

How does your organization score for Cyber Risk? Business owners are often good at determining how exposed they are to different business risks.  Traditional risks like fire, theft, or liability are fairly easy to understand because decision makers have years of historical experience to draw from.  Decision makers take certain steps to control these types of

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  • 15
  • Jan2018

Cyber Liability Services Overview

Cyber Liability Services Overview
We are pleased to present our:   Cyber Liability Services Overview More than just insurance, our approach to Cyber Liability Risk provides clients a deep library of resources as illustrated on this overview.  Security Planning Guides, Newsletters, Checklists/Scorecards, Training Materials, Newsletters and more. For more information on how we can help you manage and protect your firm

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