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Coverage Highlights

Addressing Sexual Misconduct Allegations with Insurance

Allegations of sexual misconduct against politicians, celebrities and other public figures have become increasingly common in recent years. In fact, social movements and a strong public outcry have led to a marked increase in sexual harassment claims—claims that can be incredibly damaging for organizations themselves. When these claims arise, organizations are expected to handle them…

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Contractors Pollution Liability Insurance

Contractors, no matter what industry they work in, face environmental risks stemming from operations on a daily basis. For most contractors, a single pollution incident or loss can seriously damage their reputation, operations and even their balance sheet. Making matters worse, pollution incidents can be sudden or occur gradually over time. While many contractors assume…

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What to Expect When Applying for Cyber Insurance

Every insurance policy starts with an application, and cyber liability insurance is no different. While the underwriting process in long-established insurance lines is streamlined, this is not the case for cyber liability insurance. Currently, application forms for cyber insurance are not standard and can be complex—often consisting of dozens of pages. For businesses attempting to…

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9 Cyber Risk Questions Every Board Should Ask

When a data breach or other cyber event occurs, the damages can be significant, often resulting in lawsuits, fines and serious financial losses. What’s more, cyber exposures impact businesses of all kinds, regardless of their size, area of focus, or status as a private or public entity. In order for organizations to truly protect themselves…

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Coverage Highlights: Understanding Coinsurance

Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance clause. Often misunderstood, Conservation United has gathered the basics on coinsurance to help eliminate any potential confusion. Calculating Coinsurance In…

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Coverage Highlight: Business Owners Policies (BOP)

Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owners policy (BOP), can take the guesswork out of the process. A BOP bundles several types of coverage in one package, similar to the way a homeowners policy works, but is designed for small and…

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Coverage Highlights: Closure/Post Closure Financial Assurance

Conservation United proudly offers Closure/Post Closure coverage to help clients satisfy financial assurance requirements imposed by local, state and federal regulators. In many jurisdictions, an insurance product can be used to satisfy financial assurance. Product Details Capacity – Claims-made/Primary: USD $50M  – $10,000 Minimum Premium Coverage Claims-made coverage when a regulatory body requires partial or…

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