How Much is Enough Liability Protection?
A lot of prospects and clients ask me: “How much is enough liability protection?” It’s not…
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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Why You Won’t Find a Quote Engine on Our Website
I read an interesting article in the NY Times about how online quoting of insurance is…
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Umbrella & Excess Liability Insurance
Litigation against New York business owners and entities can run into the millions of dollars from…
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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…
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What is Professional Liability or E&O Insurance?
What is E&O Insurance? Understanding Errors & Omissions Coverage for Your Business Errors & Omissions Insurance…
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What is Marine Insurance?
There are two major headings when it comes to Marine Insurance. The most common form that…
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The Dangerous Workers Comp Exclusion
Updated for clarity on January 21, 2025. Hi, I’m Gordon Coyle, and today we’re going to…
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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…
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Cheap Business Insurance: What You Actually Get (And What You Don’t)
Cheap Business Insurance – 6 Things to Consider 75% of US small businesses are underinsured. The…
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The Protective Safeguard Endorsement
TL;DR A Protective Safeguard Endorsement (CP 04 11) adds a conditional exclusion to your commercial property…
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How The Root Cause Analysis Can Uncover Claim Drivers
TLDR. Key Takeaways Why Your Claims Keep Repeating. And What Root Cause Analysis Does About It…
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Data Breach Insurance: What Every Company Needs to Know
Quick Answer Data breach insurance covers the direct costs of responding to unauthorized access or theft…
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Drug use further reduces the number of eligible workers
You have a job opening. The position pays $18 to $22 an hour with full benefits…
