Understanding Loss Ratio
A loss ratio is a quick way to evaluate the financial health and profitability of an insurance company. This article explains how to calculate the ratio and what insights you can gain from it. Also, we look at some …
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What is Employee Dishonesty Coverage?
Employee dishonesty coverage is insurance protection for employers, in the event an employee steals from them. This coverage is commonly not a standalone coverage but rather, is an insuring agreement within a commercial crime insurance policy.
Third-Party Employment Practices Liability Insurance
Third-party Employment Practices Liability Insurance (EPLI) protects organizations against financial loss from discrimination or harassment claims brought against them by someone from outside the insured organization – by a third party.
10 Questions to Ask When Buying Cyber Insurance
Many small businesses have not yet purchased cyber insurance but the threat for them is very real. Perhaps they don’t know where and how to get started with the purchase process, or what to look for?
5 Things You Should Know about Employee Dishonesty
Employee dishonesty is a major problem for organizations. Continue reading to learn important information about employee dishonesty, why it happens, and what you can do about it…
Pay on Behalf of vs Reimbursement
“Pay on behalf of” and “reimbursement” are two different approaches to paying the bills associated with a claim. There are pros and cons to both. But …
8 Reasons to Read Financial Statement Notes
Underwriters glean valuable information from reviewing the financial statement notes that helps them to assess an organization’s overall risk profile.
Duty to Defend
Duty to defend refers to the obligation to provide a legal defence for a claim made against the insured after that claim has been reported to the insurer. Read more…
5 Things You Need to Understand When Buying EPLI
Employment practices liability insurance, commonly known as EPLI, protects employers against claims for employment-related wrongdoings.
In this article, we review 5 key things to understand on your EPLI policy.
How does D&O Liability Insurance work?
A D&O insurance policy consists of multiple insuring agreements, typically known as Side A, Side B, and Side C. This article explains the value of D&O insurance by offering a description and claims example of each insuring agreement.