FAQs

There is no single formula. The main driver is the value of goods in your care at any one time, which is usually higher than operators expect at peak, ...

It is liability coverage, so it does not respond simply because goods were damaged in your building. Loss without fault on your part sits with the owner of the ...

Tell us before you respond, and do not quietly take the content down first. A takedown notice, a cease and desist, or a demand letter can each start the ...

Usually yes, because a client's policy does not cover you. Being named in someone else's contract is not the same as being insured under their policy, and most agreements ...

Not by law, and frequently by contract. No California statute requires it. What requires it is the agreement you sign: a brand deal, a platform agreement, a production contract, ...

Contracts usually set the floor before exposure sets the ceiling. Platforms, distributors, brands, and publishers commonly name a limit and require additional insured status before they will run your ...

Physical harm, promises you made, and problems you already knew about. Bodily injury and property damage are general liability. Breach of contract is generally excluded, so a dispute about ...

Annually, and any time the practice changes what it does. Adding a procedure, adding an advanced practice provider you supervise, opening a second location, or treating patients by telehealth ...

To the retroactive date on your declarations, and no further. A claims-made policy names a date, and an incident that occurred before it is outside the coverage even if ...

On a claims-made policy, the answer depends on what you buy at the end. A claims-made form responds to claims reported while it is in force, so cancelling it ...