Insurance policy exclusions and limitations

Use a telematics device to prove you’re a safe driver, not just relying on your demographic profile. The Day I […]

Use a hidden camera or app to record all insurance company inspections of your property, not just taking their word

Use a business owner’s policy (BOP), not just your homeowner’s insurance, if clients visit your home office. The Client, The

Use a public adjuster to manage your claim from the start, not just after it’s been denied. The Expert I

Use a separate flood insurance policy from the NFIP or a private carrier, not just your homeowner’s policy. The Water

Use a partnership-qualified long-term care (LTC) policy, not a non-qualified policy, to protect your assets from Medicaid. The Policy That

Use a pay-as-you-go workers’ comp policy, not one based on estimated annual payroll. The Year-End Audit Bill That Almost Bankrupted

Use a true umbrella policy, not just a standalone excess liability policy. The Lawsuit My “Excess” Policy Didn’t Cover I

Use a replacement cost value (RCV) policy, not an actual cash value (ACV) policy. The Day My 5-Year-Old TV Was

Use a policy with a fixed annual deductible, not a per-incident deductible. The Year My Dog Had Three “Incidents” and