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When you find yourself dealing with an insurance claim, it's easy to feel overwhelmed. Among the key players in this process are insurance adjusters–the individuals responsible for assessing your claim and deciding what coverage you're entitled to.

When you enter into an insurance contract, it's more than just a business transaction; it's a promise. A promise that when disaster strikes, you won't be left in the lurch. That's why the principle of good faith and fair dealing is at the heart of every insurance policy.

When it comes to the world of business insurance, understanding the fine print is crucial. One such term that often leaves business owners scratching their heads is "Employers Liability Exclusion".

When multiple insureds obtain an insurance policy, usually on jointly owned property, and one insured causes a loss through wrongdoing, the other insureds are considered “innocent co-insureds.”

Reinsurance is the process by which an insurance company shares the risk that it assumes when it issues an insurance policy. For example, an insurance company that issues a $1 million life insurance policy may reinsure or have other insurers assume $900,000 of the risk. The insurance company issuing the policy thus “cedes” most of the risk to one or more reinsurers.