September is National Preparedness Month in the United States. This designation urges organizations and individuals to prepare for disasters and emergencies. Given the increasing frequency and severity of natural disasters, insureds could use this month to conduct a three-step insurance assessment focused on coverage for natural disasters and emergencies. This assessment can provide a valuable
In the home health care business? Whether a franchisor, franchisee, or independent agency, beware of bodily injury exclusions in professional liability policies that could eliminate coverage for otherwise covered claims.
Home healthcare agencies often operate as franchisees, relying on the franchisor for development of the franchise, and once up and running, utilizing the franchisors’ advertising
Insurance policies often incorporate assignment clauses, which require policyholders to obtain their insurers’ written consent before assigning their insurance policies to others. For example, the ISO Common Policy Conditions Form, which is often used in commercial liability insurance policies, including package policies, precludes policy assignments under Section F: “Your rights and duties under this policy
How much insurance does my organization need? This conundrum impacts policyholders from small businesses needing single policies to Fortune 500 companies placing complex, multimillion-dollar insurance towers. For owners and operators of skilled nursing facilities