COVID-19 and the recent political unrest have come with implications that are either direct or consequential to the insurance market.  Many businesses looking to renew long-standing commercial insurance policies are finding either increased premiums or a refusal of certain excess carriers to extend the same policy limits.  This has caused many businesses to either shop

  1. Notify Your Insurer.

    Typically, property insurance policies require notice of a claim as soon as practicable. Notice requires a description of when, where and what happened to result in a claim.  If you have a loss, put your insurer on notice immediately.

  2. File a Police Report.

    Make sure to file a police report.  Many policies

Introduction

What do all construction and real estate companies have in common?  They have directors or managers and officers concentrating on running the companies and remaining profitable.  Most companies maintain Directors and Officers (D&O) insurance to protect these important stakeholders from liability and lawsuits that can arise from their work.  Because there is no standard