FAQs

The things that stay put, and the things that are somebody else's line. Buildings and permanent structures belong on commercial property. Licensed vehicles belong on commercial auto, even when ...

Many forms do, subject to a waiting period measured in hours rather than days. Cyber business interruption pays the income lost and the extra expense of operating while systems ...

It splits into two halves, and businesses usually buy it for the first. First-party coverage funds your own costs: incident response and forensics, legal counsel, notification, credit monitoring, data ...

Yes, and your controls now decide the terms rather than the need. Underwriters ask about multi-factor authentication, backups held offline and tested, endpoint detection, patching discipline, and how privileged ...

Only where the law allows a fine to be insured, and California limits that. Cyber forms commonly offer regulatory defense and penalties coverage, worded to respond only to the ...

The physical world, the money you were tricked into sending, and the losses you already knew about. Damage to hardware is property coverage, and bodily injury is general liability. ...

Headcount is the base, then industry, claims history, retention, and limit. Two things carry extra weight for a California employer. Underwriters look closely at wage and hour practices, because ...

It depends on how your form defines a claimant. Many EPLI forms name employees, former employees, applicants, and interns, and some reach contractors only by endorsement rather than in ...

No. The policy is not required, but the duties behind the claims are. Under the Fair Employment and Housing Act, the discrimination provisions reach employers with five or more ...

Most of what underwriters ask about, California already requires. An employer with five or more employees must provide sexual harassment prevention training every two years, two hours for supervisors ...