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Insurance Design & Placement, Inc. Blog: insurance exclusions

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BY ABRAHAM ASFAW Every winter we face adverse weather conditions that can sometimes leave us wondering just how safe our businesses are. You may think you are covered for whatever winter has in store for you, but when it comes down to it you may find yourself hit with a loss that your insurance won’t cover. READ MORE >>

Many nonprofits believe its directors and officers (D&O) insurance covers the board members for all matters of wrong doing but, just like most other insurance policies, the key is to look at the exclusions.  Just as in most policies, the excluded causes of loss are either outside the scope of the purpose of insurance or covered by other types of insurance. READ MORE >>

Sometimes knowing what you do not have is just as important as knowing what you do have.  When it comes to small business insurance not all damage to your property is covered.  There are three methods of covering property: Special, Broad, and Basic. READ MORE >>

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