Defense outside the limit of insurance is possible coverage language on professional liability, errors & omissions, directors & officers, and many other specialty liability policies that can have a drastic effect on coverage in the event of a claim.
Your Employees are NOT Your Friends
by Ryan Hanley
Tweet
Your Employees Are Not Your Friends and They Are Not Your Family, Even If They Are. Your employees are your employees and you must take the necessary precautions to protect your business.
Entrepreneur’s Beware Cyber & Network Security Exposure
by Ryan Hanley
Tweet
For technology forward businesses that communicate, and transact business over the internet and in many cases perform their business services over the internet, Network and Cyber Security is crucial to sustainability.
Insurance Policy Forms and the Gross Ignorance of the Commodity Perception
by Ryan Hanley
Tweet
The idea that insurance is in anyway a commodity is offensive to me. If you don’t believe me, check out My Motivation. The misconception that insurance is a commodity stems from gross ignorance that all insurance policies are the same. Subsequently all that matters is the price of the insurance policy.
Your Professional Liability Exposure
by Ryan Hanley
Tweet
Professional liability provides coverage for claims resulting from negligent acts, errors or omissions and personal injury arising from the provision of professional services.
Looking for Investors? Protect Them with Executive Liability
by Ryan Hanley
Tweet
Don’t fall prey to the “We’re all a family here,” or “We’re too small to worry about that,” excuses. Your family can sue you just as easy as an employee and NO Business is too small. The legal fees alone could cripple your business.
Renter Insurance vs Six-Pack of Beer
by Ryan Hanley
Tweet
If beer is silly to you, you can make the example not so silly by substituting just about any discretionary item of equal value for the Six-Pack of beer. However, the point remains the same, every day Renters choose to remain Un-Insured for what would be the cost of ONE SIX-PACK of Beer.
Insurance is a Scam
by Ryan Hanley
Tweet
The problem, as I see it, is NOT in you, but rather in the perpetuation of Insurance as a Commodity constantly broadcast at you by direct writers.
Insurance At TradeShows
by Ryan Hanley
Tweet
I was just at the smAlbany (get it, Albany is Small, smAlbany) Business Expo in glorious Albany, NY. This is the 5th smAlbany Business Expo that has been held by Liberteks.com, a local Computer and IT Firm.
Not-For-Profit Insurance: Special Events Coverage
by Ryan Hanley
Tweet
Believe it or not when bad things happen and property gets destroyed or people get hurt or worse yet someone’s feelings get hurt, they are not going to give a crap that you have a philanthropic mission.
