Holiday Party Liability: Keep Your Employees Off The Naughty List
This is a guest post from our good friend Andrew Singer, Co-Managing Partner of Tannenbaum Helpern…
Author: Gordon Coyle
Gordon B. Coyle, CPCU, ARM, AMIM, PWCA, is the CEO of The Coyle Group and brings more than 40 years of experience in commercial insurance and risk management. He helps business owners evaluate risk, improve coverage clarity, and structure commercial insurance programs aligned with their operations. His expertise includes business insurance strategy, risk management, and complex coverages such as cyber liability, directors and officers liability, workers’ compensation, and industry-specific insurance solutions for growing companies across the United States.
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Risk Transfer – A Primer
Contractual Risk Transfer – A critical risk management strategy for businesses of all sizes. Risk Transfer, or…
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A Guide to D&O Insurance
A Guide to D&O Insurance. Directors & Officers Liability Insurance, commonly known as D&O can be…
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Product Recall Insurance Coverage
Quick Answer Product recall coverage is a specialized commercial insurance policy that reimburses manufacturers and distributors…
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What are Indirect Loss Costs
Quick Answer An indirect loss cost is any expense a claim creates that insurance does not…
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Management Liability Insurance: Protecting the People Who Run Your Business
Quick Answer Management liability insurance is a portfolio policy that protects the personal assets of a…
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The Alternate Employer Endorsement. A Complete Guide
If you use temp workers, leased employees, or contract labor, there is a dangerous coverage gap…
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The Diagnostic Insurance Review
Last month we had referrals into two “good sized” companies to discuss their insurance programs, and…
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What is a Wrongful Act in a D&O Policy?
Directors and Officers Liability (D&O) insurance is a complex coverage form. There is no “standardized” policy…
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Claims-Made Tail Insurance. What is it?
Quick Answer A claims-made tail, formally called an Extended Reporting Period (ERP), keeps the reporting window…
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Employee or Independent Contractor? Avoiding Workers Compensation Problems
We have written about the topic of properly classifying employees in the past, but there is…
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Loss Sensitive vs Guaranteed Cost: Workers’ Compensation Guide
Loss sensitive workers’ compensation transfers a portion of claim costs directly to your business in exchange…
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The Seven Deadly Sins of Workers Compensation
Workers compensation is often the biggest insurance pain point for manufacturers and other mid-market employers in…
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The Strategic Risk Process
How I discovered and codified The Strategic Risk Process. In 2017 I was in the second…
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What is a High Deductible Workers Comp Program
As its name denotes, a high deductible workers comp policy or program is a method of…
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Risk Transfer and Indemnity Agreements
Quick Answer Risk transfer and indemnity agreements are contractual provisions that shift legal and financial responsibility…
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Why Aren’t YOU Buying Cyber Insurance?
As an insurance broker, I have often experienced small and medium sized business owners very reluctant…
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What Is a Warranty Statement
How It Works on D&O and EPLI Insurance Applications A warranty statement is a formal declaration…
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What is Fiduciary Liability?
Quick Answer Fiduciary liability insurance protects business owners, officers, and trustees personally when they are sued…
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The Home Depot 401k Claim
In April 2018 The Home Depot was sued in a fiduciary liability action where plaintiffs alleged…
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How Much Does Cyber Insurance Cost? What You Will Actually Pay
Quick Answer Cyber insurance cost for most small and mid-size businesses runs between $500 and $5,000…
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How Insurance Brokers Get Paid: What Every Business Owner Should Know
Quick Answer Insurance brokers are paid through commissions built into your premium, typically 5-15% of what…
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Business Insurance Exclusions: What Every Business Owner Must Know
Quick Answer Business insurance exclusions are clauses in your commercial policy that expressly remove coverage for…
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How to Handle a Workers Comp Claim: Employer Guide
Quick Answer To handle a workers comp claim: get the injured employee medical care immediately, secure…
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Employer’s Liability Insurance: Coverage, Limits & Gaps
Quick Answer Employer’s liability insurance is Part Two of a workers’ compensation policy. It protects a…
