The Home Depot 401k Claim
In April 2018 The Home Depot was sued in a fiduciary liability action where plaintiffs alleged…
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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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…
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How Much is Enough Liability Protection?
Quick Answer Liability protection is insurance that covers legal defense costs, settlements, and court-ordered damages when…
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Business Insurance Online Quoting: What Owners Get Wrong
Quick Answer Insurance online quoting is an automated process that generates preliminary premium estimates for business…
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Umbrella & Excess Liability Insurance
Quick Answer Umbrella and excess liability insurance extend your protection beyond the limits of your primary…
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What is Employment Practices Liability Insurance or EPLI?
Quick Answer Employment practices liability insurance (EPLI) is a business insurance policy that protects employers from…
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What is Professional Liability or E&O Insurance?
Quick Answer Employment practices liability insurance (EPLI) covers businesses against employee, contractor, and job applicant claims…
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What is Marine Insurance?
Quick Answer Marine insurance covers physical loss or damage to cargo, vessels, equipment, and property while…
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The Dangerous Workers Comp Exclusion
Quick Answer The workers comp exclusion (also called a workers comp exemption) is a policy endorsement…
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The $11.5 Billion Problem with Ransomware
TLDR Ransomware attacks on businesses have exploded in scale and sophistication since 2019. The old $11.5…
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Action Over Liability: What Every Contractor Must Know Before the Next Job
Quick Answer: Action over liability is a New York-specific legal concept where an injured worker sues…
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Workers Comp Valuation Date: The Most Important Date in Your Policy Year
Quick Answer The workers comp valuation date is the specific day each year when your payroll…
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Cyber Risk Assessment: The Small Business Scorecard
Quick Answer A cyber risk assessment helps small businesses measure their real security gaps before those…
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Ocean Cargo Insurance: What It Covers, What It Doesn’t, and How to Buy It
Quick Answer Ocean cargo insurance protects your goods during sea transit against physical loss or damage,…
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Cybersecurity Training Program: Essential for Businesses
Quick Answer A cybersecurity training program is a structured, ongoing system that teaches employees how to…
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Cybersecurity Awareness Training: Overview & Best Practices
quick answer Cybersecurity awareness training teaches employees how to recognize, avoid, and report threats like phishing,…
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Employee Cybersecurity Training: Device Security Guide
quick Answer Employee cybersecurity training teaches staff how to protect laptops, phones, USB drives, and remote…
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Shopping for Business Insurance: The Expert Guide
Quick Answer Shopping for business insurance means identifying the coverages your business actually needs, comparing protection…
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What is Equipment Breakdown Insurance?
Your HVAC system fails on the hottest day of the year. Your walk-in refrigerator shuts down…
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International Insurance Coverage: What Your Policy Doesn’t Cover When You Go Global
Why Would I Need International Insurance Coverage? Your standard US business insurance stops at the border….
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Cyber Threat Insurance: What Your Policy Actually Covers (and What It Doesn’t)
Quick Answer Cyber threat insurance pays for the direct costs of cyberattacks on your business: ransomware…
