What Is Cyber Liability Insurance? Cyber Liability Insurance is designed to cover businesses that serve clients by engaging in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network. For the most part, Cyber Liability Insurance covers a business' liability for a data breach in which the company's customers' personal information, such as bank accountRead more

Occurrence, Sunset and Manifestation: What's the difference? Contractor General Liability is a must-have for any type of contractor that works on residential, business or commercial projects. Not only does the state require it to hold a license, but it is also reckless to work on someone else's property without the right protection. While per occurrence is the most common generalRead more

What Is Hired & Non-Owned Auto? Both hired and non-owned auto insurance refer to liability coverage only and is often abbreviated as HNOA. Hired auto refers to rented vehicles or car services, such as a taxi or limousine. So if an employee, executive or volunteer of a business rents a car for a business trip, for example, the rented vehicle willRead more

Admitted vs. Non-Admitted: What is the difference? If you spend your life raising your family in a "normal" home driving to your "regular" job, you may never face the decision of signing your name at the bottom of an application that warns you that the insurance company that is supposed to cover you is "Non-Admitted" in the state that youRead more