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Commercial Umbrella Insurance Policy A Commercial Umbrella Liability policy is a coverage option that should be seriously considered by businesses of all sizes. Liability claims and court decisions involving millions of dollars are no longer uncommon; any business can be found legally responsible for this type of judgment. A Commercial Umbrella Liability Policy increasingly referred to

Directors And Officers Coverage- Part 2 In Directors and Officers Coverage – Part 1, we talked about the need for a corporation’s board of directors to secure D&O insurance. Like any other type of insurance transaction, a business has to complete an application and this can cause problems that could affect possible coverage. A business seeking

Directors And Officers Coverage- Part One If your business is incorporated, does it have a board of directors and corporate officers? Do you serve on a board of directors? If the answer is yes to either question, you could be exposed to lawsuits from shareholders. They may sue you, alleging that you committed acts that

General Contractors South Carolina General contractors (GCs) are the playmakers for any significant construction project, taking responsibility for all key operations such as construction assignments, job site supervision, and activity coordination. Typically, GCs have their own construction specialty (example: malls, restaurants, office buildings, stadiums, arenas, parks, etc.). General Contractors are often larger concerns with a

Cyber Liability Insurance South Carolina After the recent massive cyber-attack that stole the Social Security and bank account numbers of millions of South Carolinians, shouldn’t cyber liability insurance be a no-brainer? Owning your own business can increase the amount of stress in your life, but what if your company was to fall victim to a

That’s Entertainment

Thursday, 10 May 2012 by

From the smallest towns to the largest cities; there’s the repeated scene of a bar or club filled with people. They gather to eat, drink and to be entertained. Three sources of entertainment are still quite popular; live bands, DJs and karaoke. While many performers who provide these services do so as a full business

Avoiding Road Rage

Wednesday, 18 April 2012 by

Do you think you’ll become enraged on the road? Emotions have a huge impact on driving. Long before starting your car, you’ve had to wake up, deal with morning stress, perhaps get your kids moving, and worry about work (including getting there on time). Now that you’re stressed out by the way your day may

Internet Insurance Information

Wednesday, 11 April 2012 by

The Internet, due to this medium’s connection to savvy, technologically astute consumers, has become an ideal method for promoting and selling insurance products. However, even as greater advantage is being taken of electronic insurance transactions, it is important to keep a bit of old, yet still excellent advice – “Let the buyer beware.” Possible Danger

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Professional Liability

Wednesday, 04 April 2012 by

Professionals, such as doctors, lawyers and accountants, along with a growing number of other occupations, work in fields that need special protection. Pharmacists, architects, engineers, opticians, beauticians, insurance agents, and various types of consultants are frequently sued due to the high standard of accountability under which they operate. In most instances, a type of coverage

Credit Based Insurance Scoring

Tuesday, 28 February 2012 by

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed. Another tool that is widely used for underwriting is credit-based scoring. Use of this method was once controversial but, by and large, it has gained