Reps & Warranties Insurance – A Seller’s Perspective I’ve produced a few videos on the subject of Reps & Warranties insurance, a form of transactional liability insurance commonly used in the world of M&A. I thought an example of how this is deployed may be helpful, especially for business owners who are or may be approaching the sale … Read More
In our first video on Reps & Warranties Insurance, I gave a broad overview of what this form of insurance does and how it’s used in the M&A process. Let me give you a brief recap; In a M&A transaction, the seller will agree to indemnify the buyer for breaches of the sellers reps & warranties. Traditionally that indemnity is securitized or … Read More
Paid Family Leave was introduced in New York in January 2018 as a program to provide workers job protection and paid time off for certain qualifying events such as bonding with a new child, caring for a loved one with a serious health condition, or to assist a family when someone is deployed on active military service abroad. For employees they can … Read More
What is Workplace Violence Insurance? Let’s start with looking at the risk or actual threat of workplace violence in America today. Grim statistics tell us that workplace violence is a real and dangerous threat. To take a step back, workplace violence is not limited to weapon violence, but rather is any threat or act of physical … Read More
Why are Commercial Insurance Rates Increasing in 2021? Over the past several years, you may have noticed the cost of your business insurance increase, and in 2021 you may have seen or will see an even greater increase in those costs. So what’s going on with insurance rates for businesses in 2021? What we have seen … Read More
Workplace Violence Insurance – What are the Costs? Today we’re going to focus on the costs of a workplace violence incident or event. Let’s start with the fact that not all workplace violence takes the form of an active shooter situation. There are varying degrees of violence that take place in the workplace environment. Bullying, fist fighting, … Read More
The news over the past several weeks has unfortunately featured too many stories about mass shootings, particularly at workplaces. Disgruntled employees or unhinged customers enter a workplace and start shooting. In most cases several lives are lost, others are physically injured and still more will face emotional scarring and trauma following the event. It’s a sad … Read More
What is Severability in a D&O policy? When reviewing D&O quotes or policies you may see the term severability or full severability and wonder what does this means? So there are two forms of severability when it comes to D&O insurance. The first is known as the severability of the application. What this means is … Read More
Workers compensation insurance, which is mandated in most states when you have employees, is based or rated on your company’s payroll and is an auditable policy. In this post, we discuss the workers comp audit process and how to be compliant. At the beginning of the policy period the payrolls you estimate to be true … Read More
This is the first in a series of videos on reps and warranties insurance, which is a form of transactional liability insurance. Transactional insurance is a valuable tool in mergers and acquisitions to help buyers and sellers facility transactions and offset certain liabilities on an insurance company. What are reps and warranties? Representations and warranties are a section of a purchase and sale … Read More
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