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My condo association has a BOP instead of a master condominium policy. The majority of owners including all board members rent out their units. The ratio of owner occupied vs non owner occupied/rentals is 2:6. I can’t find anything about a condo association-which isn’t a business and has nonprofit status- having or being able to have this type of insurance. The CC&Rs and bylaws are vague and outdated. I was affected by a sewage backup and water intrusion from a common area and the BOP covered nothing. My insurance covered nothing bc it wasn’t my fault. The unit across the hall from me was also damaged but bc he uses it as a rental non-owner occupied, he had coverage for his repairs under the BOP for damages that resulted in loss of rental income. I’ve been unhoused for seven months because the sewage backup and water infiltration resulted in confirmed toxic black mold and my entire downstairs was a complete gut job, and a large portion of my upstairs had to be torn out. The association has run out of money and they haven’t fixed all the damage caused by the sewage backup and water infiltration has caused in my condo. They are blatantly ignoring my emails and won’t speak to me. I’m only allowed to talk to the property manager. I own this condo outright and have lived there for four years. I don’t have the money to sue them or hire a lawyer and they know it. They however have a very high powered litigation attorney on their side who is unethical to say the least. Have you ever heard of anything like this? State of ME.

What are the suggested limits of liability?

I got hurt on the job a little over a week ago, hurt my back. Couldn’t walk for two days (I got hurt on Friday. The pain was excruciating until Monday) I went into work that Monday morning and the whole week and have been working with the pain , can I still talk to my employer about the comp or is it to late ? To be more clear today (Sunday) is 9 days after my incident and I have not told any one of my managers ( even though they can visibly see me walking with limp and the fact that I can’t really bend at the waist)

I've been using next. 1owner LLC with no employees. 1 million in general liability and it's $29.50/ month.

If Im a luxury real estate photographer and filmmaker, who also does other creative production services, should I get General Liability insurance or E&O? I don't have any employees

What would you recommend for a photography and filmmaking business?

Great Video... very informative !!!

This should be explained to ever person who goes to buy WC insurance I cannot fathom how many calls I get asking what the audit is performed for lol auditor here

Doctors and lawyers comp. Most likely..

Hello I am a financial advisor And I want to know exactly what does E&O cover ? 1) does it cover lawyer fees ? 2) if I lose the court case , and I have to compensate my clients , will the policy compensate my clients for the damages or do I have to pay for the damages out of pocket ?

Thank you, the info in this video was very useful for me, I am starting my agency and no had aidea about many things, I will follow you to learn more about this business.

Hi hello one question do you need to get a workers comp if there' only 2 ppl working?

It all depends on how it's written

Good content. However, I'd recommend you to add more visuals while you explain an individual topic. This will make it easier for viewers to understand better.

I fell at work because someone left a flat in the walkway and have been in physical therapy for more than 6 months. My employer cut my hours from 32 to 24 and 16 hours per week. No one talked to me after the fall to give me any information on what to do. I’ve missed work due to the injury and I’m almost at my limit for occurrences. I waited 3 weeks to see a doctor hoping the swelling would go down but it didn’t. I finally told the assistant manager I was going to get checked out. What can I do to keep my job and be paid for days I missed? Also is it legal for them to cut my hours so drastically?

NEXT is a scam company. They charged me $929 overnight, randomly, with no explanation. They agreed they made a mistake. No refund.

As a freelance writer, I recently heard that E and O does not cover claims that happen before or after coverage, even if the piece was written during the time of coverage. If this is the case, how can freelancers ever retire and not pay for E and O anymore if ppl can just make claims after the fact? Thanks.

Thank you for this video. What about home based , family owned bakery business, no employees, but a couple only, that are starting this business and will be selling their products to the local grocery stores? What to consider, type of risks, any licenses required for GL or BOP ?

Thank you for this video from the Philippines

Thank you ! I’m a new licensed agent so helpful!

Great information! Thank you

People need to watch videos like this instead of typical tictoc videos

Good info that all business owners should know

I thought it was called a dec page🤔

Thanks for the video!

Great video is commercial general liability insurance recommended for a landlord owning a multi family rental property in nyc?

Thanks for the explanation, I guess DA James is saying that, among other things, the insurance doesn't have enough excess funds to pay off the bond if necessary. So, at what point would money actually change hands? If the appeal is lost?

I think this is a somewhat dated idea. Cyber insurance and particularly widespread adoption of it has led to threat actors targeting business that are know to be or likely to be well insured. They often work directly with the insurance providers in ransomware scenarios. The problem has escalated somewhat due to the side business of providing expensive policies.

Thank you 😊 I’m in personal lines currently and moving to commercial. I’m excited and ready to take on. It’s a great move for me and will keep me involved.

Excellent information. Better than any I’ve seen. Thanks

Great vid! Could you make a new video about BBB (bank blanket bonds) insurance? Or a series of fidelity insurances? Thanks!

Hi, How to pass P&C exam in Puerto Rico? The exam is in Spanish

NEXT insurance customer service is absolutely ridiculous. I got a price hike in my account and when I called was told “The AI determined that you build houses and so your policy changed. There is no way to change it”. I don’t build houses, never have.

I like your information presented. I am looking to know if there is a central data reporting place where all cargo damages, theft, losses are reported by insurance companies for the USA? Your help is greatly appreciated.

Awesome videos. Who determines the replacement value? Is it the responsibility of the agent to include some documentation or alignment of property value?

There are also fraudulent staffing agencies piggybacking, using fake insurance certificates, or other friends business insurance certificates without having real workers comp insurance for their employees, then charging their clients for insurance when they dont have any at all. It's fraud. Check this out:
mrspiggydom.blogspot.com/

What type of insurance license do i need to sell ocean cargo insurance i live here in California.

Thank you, this is so enlightening. However, I would like to know the difference between credit insurance and credit bond insurance. Who is expected to buy each of them and how cover is arranged. Looking forward to hearing from you. Sherif Ganiyu.

Hii What’s the process to register into it ? My owner want to have it for his business

As a CIP that is new to commercial insurance, I find this so very valuable. Thank you for putting this post up. Much appreciated from one professional to another.

I can't wait to see what you'll create next.

Thank you for the information.

THANKS SIR

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Hi! Do you recommend making a certificate for each shipment? When do you have to make a certificate according to the incoterms?

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Thanks for the informative video. Could you speak to the Allocation of defence costs in a settlement for non-covered losses? It seems to me that some wordings are such that the defence costs alone can bankrupt a company who has subscribed to all Sides. Thanks!

Very helpful

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