Category: Insurance Law

You enter your house and discover you have been burglarized. Someone has invaded your home and taken your personal belongings, perhaps even valuables and irreplaceable sentimental objects. The feeling is overwhelming, traumatizing, and makes you feel highly vulnerable. According to the Federal Bureau of Investigation, there are more than one million burglaries in the United …

If you are a fiduciary for a business that offers benefits for its employees, you have a responsibility by law to serve the best interests of the employees you represent. That is a serious responsibility, no matter how large or small the business in question may be. Wherever there are employees who are provided benefits, …

Cyber criminals look for vulnerable targets and unlike big corporations, many small businesses do not have the resources to invest in advanced cyber security measures, putting small business at risk for cyberattacks. If your small business stores or processes any kind of sensitive customer information such as names, addresses, medical records, Social Security numbers, or …

Organizations of all kinds use systems to store the personal and financial information of third parties, and some have become the target of data breaches. From major infrastructures to small companies, the growing number of cyberattacks against all industries shows no signs of slowing down.  There has been a significant increase in governmental investigations into …

One of the most obvious differences between homeowners insurance and renters insurance is the price, but there are a lot of other details to consider as well. In most cases, someone owning a home has a lot more at stake because they own the structure that is being lived in. Renters lease out space from …

At its core, social inflation starts with overall changes in attitudes regarding entitlement to compensation for injury or loss, and the willingness to file insurance claims or pursue litigation against individuals or businesses in order to obtain that compensation. Recent data shows that social inflation has been challenging for insurance carriers, as litigation claims, costs, …

In a 2019 report, the FBI’s Uniform Crime Reporting (UCR) Program described burglary as an “unlawful entry of a structure to commit a felony theft.” Forcible entry, attempted forcible entry and unlawful entry with no force used all fall under this definition. In 2019 there were over 1 million burglaries, totaling over 3 billion in …

You bought a home that required all your savings, but it was worth it for your dream home: then an unforeseen catastrophe strikes and the home you dreamt of suffers significant damage. Luckily, you have homeowners’ insurance. You file a claim to fix your damaged dream home, but your insurance company claims that your policy …

Whether you are a small business owner renting your store, or you own your own commercial property and have dozens of employees, having commercial property insurance is essential. Suffering damages through unpredictable events such as fires, theft, accidents, or weather events can adversely affect your business. Having the right commercial property insurance helps protect you, …

There are many types of incidents or cases where a bad faith insurance claim can arise. Bad faith claims can arise anytime where an insurance policy is involved. A bad faith insurance claim is when a claim is made on an insurance policy and the claim was denied (not paid) without reasonable justification. It’s when …