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Marianne Bonner

Updated Articles and Resources

By Marianne Bonner

    Updated Articles and Resources
    • Who's Covered Under My Liability Policy? Created: Tuesday, November 19, 2013 Updated: Tuesday, April 22, 2014
      An article for small business owners describing the parties that are covered as "insureds" under the standard general liability policy.
    • Fire Insurance Created: Monday, April 21, 2008 Updated: Tuesday, April 22, 2014
      Fire insurance is a necessary part of a business insurance plan. A fire can destroy the business by causing a loss of revenue and facilities." itemprop="description" Wednesday, April 16, 2014 Updated: Wednesday, April 16, 2014
      An article for small business owners about anti-indemnity statutes and how they affect liability assumed under a construction contract.
    • Before You Purchase Commercial Auto Business Insurance Created: Thursday, February 14, 2008 Updated: Tuesday, April 15, 2014
      If your business uses a vehicle, you need commercial auto insurance, and you will want to ask your business insurance professional some important questions.
    • Employee Benefits Liability Coverage Created: Thursday, May 16, 2013 Updated: Tuesday, April 15, 2014
      Why small business owners might need employee benefits liability coverage to protect against claims resulting from errors in benefits administration." itemprop="description'" --> itemprop="descript...
    • Admitted Versus Non-admitted Insurers Created: Monday, April 14, 2014 Updated: Monday, April 14, 2014
      An article for small business owners about the reasons a business might need to obtain insurance from a non-admitted insurer using a surplus lines broker.
    • Coinsurance--What is It? Created: Thursday, April 10, 2014 Updated: Thursday, April 10, 2014
      An article for small business owners about coinsurance, a provision in a commercial property policy that ensures a policyholder maintains a proper proportion of insurance to value.
    • Pollution--What's Covered under a Commercial Property Policy? Created: Wednesday, April 09, 2014 Updated: Wednesday, April 09, 2014
      An article for small business owners that explains what types of pollution losses are covered, and which are excluded, under a typical commercial property policy.
    • Reinsurance--What is It? Created: Tuesday, April 08, 2014 Updated: Tuesday, April 08, 2014
      An article for small business owners about facultative and treaty reinsurance, and how each protects insurers against losses.
    • How do the Limits Apply in My Liability Policy? Created: Thursday, April 03, 2014 Updated: Thursday, April 03, 2014
      An article for small business owners that explains how the various individual and aggregate limits apply under a general liability policy.
    • Claims-made Versus Occurrence Policies Created: Monday, September 23, 2013 Updated: Wednesday, April 02, 2014
      An article for small business owners that explains the differences between a claims-made policy and an occurrence policy.
    • Retroactive Date Created: Tuesday, April 01, 2014 Updated: Tuesday, April 01, 2014
      A discussion of the meaning of retroactive date, a feature in a claims-made policy that is the earliest date on which an event may occur and still qualify for coverage under a policy.
    • What's Covered by a Liquor Liability Policy? Created: Tuesday, April 01, 2014 Updated: Tuesday, April 01, 2014
      An article for small business owners about the coverage afforded by a liquor liability policy, which is designed for businesses that sell, manufacture, distribute, sell or serve alcoholic beverages.
    • What is Contractual Liability? Created: Thursday, December 05, 2013 Updated: Monday, March 31, 2014
      A discussion for small business owners of contractual liability, which is covered under the standard ISO general liability policy.
    • What is Lloyd's of London? Created: Tuesday, February 25, 2014 Updated: Tuesday, March 25, 2014
      An article for small business owners that provides a brief introduction to Lloyd's of London, explaining what it is and how it operates.
    • Insuring Volunteer Workers Created: Tuesday, March 25, 2014 Updated: Tuesday, March 25, 2014
      An article for small business owners about the risks that volunteer workers create for non-profit organizations and how these risk can be addressed by commercial insurance.
    • Rental Reimbursement Coverage Created: Thursday, March 20, 2014 Updated: Monday, March 24, 2014
      An article for small business owners about transportation expense coverage, which is included in the policy, and rental reimbursement coverage, which is available via an endorsement.
    • Insurance Basics - How is Your Policy Organized? Created: Wednesday, November 13, 2013 Updated: Thursday, March 20, 2014
      An article for small business owners about the parts of a typical insurance policy and how policies are usually organized.
    • Utility Interruption Coverage Created: Wednesday, March 19, 2014 Updated: Wednesday, March 19, 2014
      An article for small business owners about the utility interruption exclusion found in commercial property policies and utility interruption coverage that can be purchased via an endorsement.
    • Insurance Agents and Brokers, and How They Make Money Created: Monday, August 12, 2013 Updated: Tuesday, March 18, 2014
      This article explains how insurance agents differ from insurance brokers, and how both earn income through commissions on the premiums you pay to your insurers.
    • 10 Signs of a Dishonest Agent Created: Friday, March 14, 2014 Updated: Friday, March 14, 2014
      For small business owners, a list of ten signs that an insurance agent or broker may be dishonest.
    • Computer Fraud Coverage Created: Thursday, March 13, 2014 Updated: Thursday, March 13, 2014
      An article for small business owners about computer fraud coverage, a type of commercial crime insurance that covers loss or damage to money, securities or other property when the loss has been perpetrated by the use of a computer.
    • What is the Longshore Act? Created: Tuesday, March 11, 2014 Updated: Tuesday, March 11, 2014
      An article for small business owners about the Longshore and Harbor Workers Compensation Act, a federal law that applies to land-based maritime workers.
    • Foreign Liability Coverage - Who Needs it? Created: Monday, March 03, 2014 Updated: Thursday, March 06, 2014
      An article for small business owners about foreign liability coverage, including exporters packages and controlled master programs.
    • Who Needs Foreign Auto Liability Coverage? Created: Monday, March 03, 2014 Updated: Thursday, March 06, 2014
      An article for small business owners about the need for foreign commercial auto insurance if the company utilizes autos for business purposes outside the United States.
    • Foreign Workers Compensation Coverage Created: Wednesday, March 05, 2014 Updated: Wednesday, March 05, 2014
      A discussion of foreign voluntary compensation coverage, which small business owners may need if they employ workers that travel on business outside the United States.
    • What is No-fault Auto Insurance? Created: Thursday, February 20, 2014 Updated: Thursday, February 20, 2014
      An article for small business owners that describes auto no-fault laws and personal injury protection coverage.
    • Are Workers "On the Job" When Commuting? Created: Wednesday, February 19, 2014 Updated: Wednesday, February 19, 2014
      An article for small business owners about the coming and going rule, and exceptions to this rule that may entitle employees to workers compensation benefits.
    • Temporary Workers and Alternate Employer Endorsement Created: Thursday, February 13, 2014 Updated: Thursday, February 13, 2014
      An article about the Alternate Employer Endorsement, and how it can protect small business owners from lawsuits arising from injuries to temporary workers.
    • Pollution Coverage Under a Commercial Auto Policy Created: Monday, February 10, 2014 Updated: Monday, February 10, 2014
      An article for small business owners that describes the coverage afforded by the standard commercial auto policy for pollution-related losses via exceptions to the pollution exclusion.
    • Pollution - What's Excluded Under Your Commercial Auto Policy? Created: Monday, February 10, 2014 Updated: Monday, February 10, 2014
      An article for small business owners that describes what's excluded under the standard commercial auto policy via the pollution exclusion.
    • Products-Completed Operations Coverage Created: Friday, June 21, 2013 Updated: Friday, February 07, 2014
      A discussion of products-completed operations coverage and why small businesses need this coverage to protect themselves against claims and suits.

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