Technical Knowledge

While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.

With adverse impacts from social inflation, litigation funding and heightened safety expectations, the public entities insurance market is in a hard market with increased premiums and reduced limits.

From escalating property premiums to increasing liability costs, social inflation and litigation funding, public entities have to continually refine how they manage their unique exposures.

If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.

Fourth of July celebrations involve grilling, fireworks and outdoor gatherings. But behind the red, white and blue is a spike in risk.