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What a BOP Leaves Out, and When You Outgrow It
A business owners policy is an eligibility product as much as a coverage product. What sits outside the bundle, and how a small business quietly outgrows it.
Athletic Participation Exclusions in Gym Insurance
A gym's liability policy can exclude injuries to the people taking part. What ISO endorsement CG 21 01 removes, and how to check your own declarations page.
Trainee, Employee or Neither: Who Covers the Injury?
Employee, trainee or volunteer? Participant status drives coverage for job training and placement nonprofits, and the host employer agreement settles it.
Gala and Special Event Gaps in Your Annual Policy
A nonprofit's annual liability policy is underwritten on ordinary operations. What changes on gala night: alcohol, venue contracts, auction lots, cancellation.
Nonprofit Insurance in Kansas: What Boards Need to Know
Kansas nonprofits get no charitable immunity. The GL, D&O, property and volunteer coverage boards need, plus state registration and workers' comp rules.
Customer Content and Customer Property in Print Shops
Two exposures a standard package handles badly for print shops: liability for the content you reproduce, and customer stock and files on your floor.
When a Data Claim Falls Between Cyber and E&O
For research nonprofits, a respondent data or reputational claim can land between the cyber policy and the professional liability form. Where the seam sits.
When the Freezer Fails: Insuring a Research Lab
A lab freezer fails and the samples are gone. The standard property form excludes both halves of that loss. What research organizations should check instead.
Spraying Invasives and the Pollution Exclusion
The standard liability form excludes pollution, and herbicide and restoration work sits inside it. What conservation nonprofits should check first.
Personal Services Insurance Requirements in Missouri
Insurance requirements for Missouri personal-services businesses: 25/50/25 auto minimums, required uninsured-motorist coverage, workers' comp rules, and E&O.
Restaurant Insurance Requirements in Kansas
Restaurant insurance requirements in Kansas: the workers' compensation mandate, liquor liability, lease and licensing rules, and the coverage stack by size.
Auto Repair & Services Insurance Requirements in Kansas
Kansas auto repair shop insurance requirements: distinguish statutory auto and workers comp rules from garagekeepers coverage and contract requirements.
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