insurance

Drawbacks of Obtaining Coverage Through Risk Pools

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What is a risk pool? A risk pool is a method of risk management typically practiced by businesses or governmental entities that come together to create a “pool” to provide financial protection against major catastrophes such as hurricanes, wind and hail damage, or fires. The purpose behind a risk pool is to spread these risks among a large number of contributors to the program in order to ease ...
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Is Your Home or Business Hurricane-Ready?

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Hurricane Laura may have missed most of Texas, but we’re not out of the woods yet. The Atlantic hurricane season lasts through Nov. 30. Is your home or business ready for a natural disaster? Here are some tips to follow. Know Your Risk Hurricanes aren’t just a coastal problem. Hurricane damage can happen almost anywhere. A hurricane making landfall at a high speed has the power to move a lon...
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When is the right time to consult an attorney in the insurance claims process?

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You may have suffered a loss from property damage caused by hail, tornado, hurricane, windstorm, fire, explosion or other weather related events, or you may have suffered losses due to a business interruption. Either way, your first course of action is to file a claim with your insurance company. Keep in mind that an insurance claim is a business transaction, and you may not see eye-to-eye with...
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Does Your Policy Cover Business Losses Due to the COVID-19 coronavirus?

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The recent outbreak of respiratory illness caused by a novel coronavirus has dominated the news cycle and caused sweeping damage to businesses across the U.S. As businesses continue to focus on how the virus impacts them, one critical question is the extent to which their insurance programs may cover business interruptions and related losses. Most businesses rely on standard “all risk” property...
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