Category: H&K Blog
Obtain Directors And Officers Coverage
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 D&O coverage has to provide […]
read more »Directors And Officers Liability Insurance
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 reduced the corporation’s value. Lawsuits may […]
read more »Internet Liability Coverage
Internet Liability Coverage Considerations For Your Web Site, Blog or Social Networking If you or someone in your household operates or is building a Website, or is active with social media, you need to be aware that the site (or activity) could open you to legal situations. Here are some questions you should consider.
read more »Internet Liability Insurance
Each day more cyber-adventurers decide to create their own Websites, blogs, or social media pages. Personal Websites and blogs commonly describe the host, his or her family and interests such as a particular hobby, sports, profession, humor, etc. Whatever the reason for creating a Website or blog, they, along with social network activity can represent an additional source […]
read more »Are You Liable For Summer Fun?
Ready, Set, Summer! Summer generally arrives with a huge surge in recreational activity. School ends and parents start searching for leisure and recreational activities for themselves and their children. The activities range from elaborate vacations or summer-long camps to simply buying play and sports equipment (or getting it out of storage) and renewing park and […]
read more »Boat Owners Coverage
Is That Boat Insured Properly? The insurance approach for covering boats and boating property is quite similar to what is used to protect cars and homes. Essentially insurance is offered on a package basis, meaning that there is coverage for physical property as well a protection against the legal and financial consequences of injuring others […]
read more »Vacant Commercial Properties
Vacancy Provision Under a commercial property policy, coverage is often significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. Continued, full coverage may be provided, but that is […]
read more »Do You Need Flood Insurance?
Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance. Most persons who need the protection buy coverage offered by […]
read more »Is Your Home Winter Ready? – Pt. 3
In this part we discuss a different hazard of the winter season. Firing Up A Hearty Loss Do you own a fireplace, wood-burning stove or portable heater? What about a gas or an electric furnace? If so, you need to take steps to make sure that they are safe and used properly. This should be […]
read more »Is Your Home Winter Ready? Part II: Clearing Walkways
In this part we discuss an important legal responsibility created for homeowners by the winter season. Creating A Clear Liability Snow doesn’t show favoritism. Instead of conveniently falling onto unused areas, it covers homes, sidewalks and driveways. As a responsible homeowner you should arrange to make travel across your property safe. This calls for clearing […]
read more »