HOME REPLACEMENT COST AND YOUR PREMIUM

In the last year or so, home prices have fallen dramatically from their mid-decade peak. Why haven’t home insurance rates followed suit? With the current downturn in the real estate market, you may wonder why declining property values are not matched by a similar decline in the cost of home insurance. The fact is your … Read more

Ensuring Continuity of Coverage on Claims Made Policies

Directors and Officers Liability and Employment Practices Liability Coverage The term “continuity” is frequently used when discussing directors’ and officers’ liability insurance; employment practices liability insurance and other claims-made policies. The objective is to see that the original coverage is maintained, without gaps, as insurance is renewed from year to year. The “chain of continuity” … Read more