What Is Covered By Homeowners Insurance?

Your home is one of the most significant investments you’ll ever make, and it’s essential to protect it from unforeseen circumstances. That’s where homeowners insurance comes in handy. Homeowners insurance provides financial protection against disasters such as fire, theft, or vandalism that could affect your property or belongings. But what exactly does homeowners insurance cover? […]

AM Best Ratings: What Do They Mean and How Do I Evaluate Them?

We are getting a lot more questions regarding carrier stability and how performance is being monitored outside regulatory agencies, given the current turmoil in the financial market. AM Best Company was established in 1899. It is the oldest and best-known rating agency for the insurance sector. AM Best is a key indicator of financial strength […]

Codes and Standards Governing Commercial Kitchen Ventilation Operations

This is the continuation of our fire investigation series. It will help investigators understand how commercial kitchen ventilation works, also known as restaurant grease fires. This article will cover the foundations of the codes and standards that regulate commercial kitchen ventilation and appliances. Federal, State/Provincial, Municipal and Municipal building codes as well supporting standards regulate […]

Important Coverage Features of Lawyers’ Malpractice Insurance

There are several grounds that can be used to bring malpractice action against attorneys. It is possible to bring both clients’ and non-clients’ suits. Lawyers’ Malpractice Insurance policies, also known as lawyers professional liability policies, are not all created equally. There is no one policy that covers legal malpractice. Important policy provisions may differ from […]

3 Reasons Why Your Small Home Business Needs Home Based Business Insurance

Home-based businesses account for more than half the small businesses in the United States. The Census Bureau estimates that more than 27 million home-based business exist as of 2007. This number has increased since the downturn in the economy, when many people lost jobs. This has led to the rise of small-scale, home-based businesses today […]

So Why Use a Business Insurance Broker, When You Can Go Direct?

Many large insurance companies have recently been advertising that they are cheaper when prospective customers purchase directly from them. Many thrifty buyers of insurance may feel tempted by news reports that the Bank of England will have to borrow its own money to bail out the British economy to prevent a second recession. RiskHeads conducted […]