Product liability If your company designs, manufactures, distributes or sells a physical product—anything from toys to building supplies to macaroni and cheese—you’ll want to strongly consider purchasing product liability coverage. This coverage helps provide financial protection in the event that the use of your product results in property damage, personal injury or death. Product liability…
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With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other…
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When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”),…
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There’s a reluctance among workers to give up location flexible work after the pandemic. According to a survey conducted by YouGov earlier this year, 80 percent of Americans who started working from home during the pandemic want to continue doing so at least half the time when the pandemic is over. While 24 percent of…
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As workers are encouraged to return to the office, employers are walking a tightrope fraught with liability and risk. In fact, big insurers like Chubb, AIG and Travelers are bracing for an onslaught of claims related to employment and labor lawsuits as workers head back to the office. As employers continue to grapple with the…
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Cyberthreats are constantly evolving in order to take advantage of online behavior and trends. The COVID-19 outbreak is no exception. Cybercriminals are attacking the computer networks and systems of individuals, businesses and even global organizations at a time when cyber defenses might be lowered due to the shift of focus to the health crisis. Types…
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The food industry is undergoing a rapid digital transformation, leveraging automated processing systems, Internet of Things (IoT) devices, AI-driven logistics, and cloud-based data management to enhance efficiency. However, this transformation has led to a massive increase in cybercrime attacks, putting food manufacturers, importers, exporters, and distributors at high risk for devastation. The Increasing Threat of…
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In honor of World Password Day on Thursday, May 6, 2021, the FBI is encouraging the public to strengthen their passwords/phrases and account protection. Passwords are used for everything; we use them for our phones, computers, email, even financial information. Unfortunately, many use the same simple passwords, like 1234 or Password1, for multiple accounts. Simple…
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Commercial auto is widely regarded as one of the most challenging insurance markets in the United States. Many years of sustained losses, inadequate rates and unhealthy combined ratios (in the region of 105% and over) have taken their toll on the market – but the winds of profitability are slowly changing. Loss ratios in the…
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Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death. Floods may: Result from rain, snow, coastal storms, storm surges and overflows of dams and other water…
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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200
