Commercial Lines

As more state actors engage in cyberwarfare, insurance companies and private businesses are struggling to find common ground on what the "War Exclusion Clause" means for them.

Now is the busiest time of year for these businesses, which still face risks ranging from auto to wildfires.

Owners who make the decision to close down a business should be direct in their communication, be personal, be available and honor the company's commitments.

The Wash. Supreme Court decided that the policy's "machinery breakdown" exclusion precluded damages for a delay caused by a broken-down tunnel borer.

Small businesses are often targets of hackers because they have fewer resources in the event of a cyberattack, or that's the common misconception.

Preparing for the unexpected, identifying vendors and having a good storm protocol will help expedite the claims and recovery process.