As of 2014, there are over 333,000 community associations in the U.S., comprised of about 66.7 million residents. Many of these Community Associations are managed by volunteer boards of directors that may not be aware of the additional loss exposures they face while serving on these boards. Without the proper insurance coverage, the board members…

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Equipment breakdown coverage is typically appropriate for properties that are occupied, often being linked to restaurants for food spoilage coverage, office buildings to cover communication devices and any other occupied building to cover air conditioning units, heaters, back-up generators, etc. But vacant buildings? This is not the obvious exposure for equipment breakdown coverage. Insureds may…

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Hotels and motels have a service model centralized around providing a clean bed and a safe and hospitable living space. When that service promise is compromised, their business and reputation is at stake. Bed bugs, while small in stature, can leave a lasting impression upon a guest and can bring about a costly claim, affecting…

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