Most businesses need crime insurance, yet it is often overlooked and not discussed in detail. While an open-perils property policy may cover theft, it often excludes or sharply limits coverage for money and securities. Under a named-perils property policy, theft is typically excluded altogether. Employee theft is excluded under all property policies, so businesses with employees who handle money should carry crime insurance. Crime insurance must be carefully structured, with

Employment practices are an area that every business with employees must consider as a loss exposure. As long as employees are present,...

Most people never consider Directors and Officers (D&O) insurance. They assume that it does not apply to them and had no impact on their...

If you have employees, you have Employment Practices Liability (EPLI) exposures. Your exposures are generally excluded under your General...