Davis+Gilbert Risk Management LLC

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Insights

Consider Getting a Second Opinion

A confident person is not necessarily someone who knows what he is talking about. All too often I come across people in the industry stating something concerning insurance that is incorrect. Cannot hurt to get a second opinion to assure what you are being told is accurate.   https://www.linkedin.com/posts/jack-schwartz-5235968_insurance-riskmanagement-insurancetips-activity-6559792162727358464-0-54

There are Flood Insurance Options other than NFIP and don’t Neglect Review of Flood Zone Determinations

If you have a building in a flood hazard zone, know that you have options other than purchasing a NFIP policy. There are private insurance carrier options that compete with NFIP, provide broader coverage, and often at more competitive pricing. Additionally, there are resources available to help to determine if the flood zone determination is […]

Claims Expense Coverage – The Often Ignored Crime Coverage

An important element of crime coverage that is not well-known is claims expense coverage. It covers an insured’s expenses to establish the amount of a loss i.e. the cost of engaging a forensic accountant. Coverage is usually sub-limited and will often contain a co-insurance clause so need to be careful how the coverage is worded. […]

Small Businesses also need Cyber Liability Insurance

Cyber liability insurance is important coverage for any size company in any industry. Many are mistaken and think their small business is not a target, but in fact, it is just the opposite. Smaller businesses are greater targets to cyber criminals since their cyber security is often not as robust and secure as larger companies. […]

Insurance Premiums

Don’t get overly focused on premiums. They are certainly important, but clients never ask what premiums were paid for a policy at time of a loss, they just want to be assured that coverage will apply and cover the loss.   https://www.linkedin.com/posts/jack-schwartz-5235968_insurance-riskmanagement-insurancetips-activity-6557640819422093314-qV2t