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What is General Liability Insurance?   Also commonly referred to as business liability insurance or more formally as commercial general liability insurance (CGL), General liability insurance protects your business against the cost of damage that might be caused by you or an employee while you are providing a business service on someone else’s property. General liability insurance coverage includes provisions for property damage and bodily injury for a third party, but does not cover damage to your own equipment or property or bodily injury for yourself or your employees. Damages to

Understanding Cyber Liability Insurance Seemingly every week, there’s another story in the news about a cyber breach wherein a well-known company, presumably with stringent security measures in place, has suffered a data breach and its data about its customers, transactions, or its customer’s financial information is now out in the wild. While breaches at the bigger companies make it to the news headlines, cybersecurity is a risk for all businesses and precisely the reason that insurers began to provide cyber liability insurance. Specifically, cyber liability insurance covers third-par

While every business is unique, there are universal exposures that all businesses face. In addition to insuring your specific risks, you need to consider coverage that will protect you from common exposures generated by everyday business operations. For larger organizations, the diversity of risk combined with the increased probability of higher claim frequency means the use of a variety of insurance policies is often more effective. However, for smaller organizations that face similar risks on a reduced scale, a combination of such policies may be a better option. Many carriers have

The only way to effectively protect the assets of your business is to carry adequate Commercial General Liability (CGL) insurance coverage. CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable. What Does CGL Cover? A typical CGL policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations, and can be offered as a package policy with other coverages such as prope

Because of the convenience they offer, smartphones and tablet devices have become a ubiquitous presence in the modern business world. As usage soars, it becomes increasingly important to take steps to protect your company from mobile threats, both new and old. The need for proper phone security is no different from the need for a well-protected computer network. According to computer security software company McAfee, cyber attacks on mobile devices increased by almost 600 percent from 2011 to 2012 with no signs of slowing down today. Gone are the days when the most sensitive information

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