Protects your business by covering extra, unexpected costs you incur to keep operating after a disruption like a fire, power outage, or equipment failure. Running a business is unpredictable. Even …

Exposure is the chance that a person, business, or asset could suffer a loss because it is exposed to risk. In insurance, the word exposure comes up a lot, and …

What Is Experience Rating? – Simple and Easy Explanation Experience rating is a pricing method where insurance costs are based largely on a group’s own past claims history rather than …

The expense ratio shows how much of an insurer’s premium income is used to run and service insurance policies. When you buy an insurance policy, part of the premium goes …

Excess workers’ compensation insurance protects employers from very large claim costs that go beyond a set limit they agree to pay themselves. Workers’ compensation insurance is required for most employers, …

Excess of loss reinsurance helps insurance companies protect themselves from very large losses by sharing claims above a set amount. Insurance companies don’t just sell insurance — they also buy …

Excess and umbrella liability insurance provide extra protection when basic liability coverage is not enough to cover a large claim. Accidents and lawsuits can be expensive, sometimes far more expensive …

Event cancellation insurance helps protect you from major financial losses if your event has to be canceled or postponed due to unexpected situations beyond your control. Planning an event takes …

Protection for professionals if a client claims your mistake, poor advice, or oversight caused them financial loss. If you provide services, advice, or expertise to others, mistakes can happen — …