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Risk Insight
Top uncovered exposure for a hotel may surprise you
Slip-and-fall injuries are undoubtedly the most common claims in the hospitality sector. But there is another hazard that is making a serious comeback—and is often an uncovered exposure in policies, resulting in costly losses. That risk is legionella, which can be found in water systems, like showers, pools, and fountains, and new bacterial outbreaks have…
Hard Market Trends for Directors and Officers Coverage
When major conglomerate Pacific Gas and Electric filed bankruptcy (after fielding claims of negligence after the California wildfires this past fall), D&O coverage was caught in the spotlight. Claims against directors and officers are on the rise nationwide, and analysts are questioning how far the market for D&O coverage will harden.
Construction Insurance in Today’s Growing Market
Note: Distinguished Programs no longer offers Builder’s Risk or Vacant Building insurance. Explore our other programs for tailored solutions. If you build it, they will come—but don’t forget about adequate liability coverage for new construction! As the construction sector keeps pace with the general real estate market, Distinguished’s senior vice president and program executive, Michael…
The “Silent Killer” of Toxic Gas and How You Can Avoid It
Can you believe that an estimated 20,000 people receive treatment annually due to gas poisoning? That’s a staggering figure. And, nearly 500 deaths per year are caused by that same toxic gas alone. The National Fire Protection Association (NFPA) reports approximately 61,000 gas-related incidents yearly. But what gas could have such a harmful effect on…
Claim Story – Gun Violence and How You Can Avoid It
Fatal gun violence is becoming a national epidemic, and the tragic aftermath can leave a lasting scar on families, communities and the businesses involved. Below, we tell the story of a popular Chicago hotel and outline some key points on how to help prevent a fatal shooting on your property.
The Go-To Guide for Railing and Window Safety
They can be pretty. But they can also be pretty dangerous. When it comes to railing and window safety, there are some key codes to follow to ensure that your home or business are accessible and danger-proof. In this guide, you’re going to learn about why you need to be aware of the dangers of…
How to Create a Safer Pool Area for Public Facilities
Is your pool area safe for swimmers, large and small? Taking a dip during those hot summer days can be fun and inviting, but many people overlook some essential features when it comes to keeping their pool safe and secure. Without the right safety features in place, a day of fun can turn into a…
Claim Story – Even the Best Intentions can Lead to Bitter Disputes
We know that it’s essential for you to have the tools you need to show your customers the importance of proper D&O coverage for their community association. We also know that nothing makes that point clearer than a real-world claim illustrating how even the best intentions can lead to dispute and disaster.
Infographic – The High Cost of a Damaged Reputation
Violence on your property can cost you your reputation and a whole lot more. When an event occurs that damages a company’s reputation, exorbitant amounts of money can be spent on everything from lawsuits, personnel expenses, and marketing to repair the brand’s name. Investments already made to the brand might have to be reevaluated and…