Insurance News

When civil unrest threatens homes, businesses and property

June 9, 2020 |

What happens when a riot or civil commotion breaks out in your town? No one wants to deal with property damage to their home or business due to rioting and unrest. Fortunately, there’s something called riot, vandalism, and civil commotion insurance. What Is Riot, Vandalism, and Civil Commotion Insurance? Basically just a unique form of…

Civil Disorders and Insurance

June 9, 2020 |

Is property damage caused by riot, civil commotion and vandalism covered by standard insurance policies? When violent protests break out, home, business and car owners are often—and rightly—concerned about damage to their property. Property damage caused by riot, civil commotion and vandalism are generally covered under standard auto, business, and homeowners insurance policies. Depending on…

EPLI Insurance and Employee Benefits in the Age of the Coronavirus

June 9, 2020 |

In a series of alerts, Michelman & Robinson will address the many issues facing employers once they begin to restart on-site operations as the coronavirus crisis eases and in what is to be the new normal. This installment focuses on the insurance issues employers need to be thinking about as they navigate the pandemic. The current…

Identity Theft and Cybercrime

February 11, 2020 |

The scope of identity theft Identity theft continues to pose challenges for consumers as criminals develop new mechanisms to commit fraud. According to the 2019 Identity Fraud Study from Javelin Strategy & Research, the number of consumers who were victims of identity fraud fell to 14.4 million in 2018, down from a record high of 16.7 million…

Cyber Risk in Relation to COVID-19

January 8, 2020 |

Issue: New phishing attempts Cyber thieves are using the recent developments surrounding the novel coronavirus (COVID-19) as an opportunity to send phishing emails and spread malware attacks. Most recently, we’ve seen phishing emails impersonating the U.S. Centers for Disease Control and Prevention (CDC), the World Health Organization (WHO) and other health authorities. An example is…

The FBI on Cyber Crime

January 8, 2020 |

The FBI is the lead federal agency for investigating cyber attacks by criminals, overseas adversaries, and terrorists. The threat is serious—and growing. Cyber intrusions are becoming more commonplace, more dangerous, and more sophisticated. Our nation’s critical infrastructure, including both private and public sector networks, are targeted by adversaries. American companies are targeted for trade secrets…

Directors and Officers Insurance

March 1, 2016 |

PROTECTING YOUR BUSINESS FROM LIABILITY ISSUES While business insurance policies by definition provide coverage for the business itself, individual company officers may still be personally exposed to financial losses resulting from a lawsuit. To protect your company’s leadership, you may want to consider purchasing directors and officers (D&O) liability insurance. What D&O Covers Directors and…

IN: Disaster Preparedness For Your Business: Part 2

July 15, 2014 |

Dear Valued Customer, Today, more than ever, recalls affect nearly every industry, consumer, and market segment. Business owners are faced not only with the financial impact that a recall may generate, but also the challenge to preserve the good name and reputation of their company during and after a recall event. These ever-increasing recall trends…

What Does a Businessowners Policy (BOP) Cover?

June 24, 2014 |

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger…

How Can I Disaster-Proof My Business?

May 15, 2014 |

Businesses that recover quickly are those that plan in advance. This involves not only purchasing the right insurance, but also developing and maintaining an adequate recovery plan. Minimize the risk of damage in advance of an emergency by: Training employees in fire safety, particularly those responsible for storage areas, housekeeping, maintenance and operations where open…

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