★ The PolicyEZ library

Coverage guides, in plain English.

• Architects & Engineers Professional Liability in Plain English

  A&E professional liability explained: design errors and omissions, how it differs from general liability, who needs it, and how to shop for it.

• Bailee's Customers Coverage in Plain English

  Bailee's customers coverage protects businesses that hold customers' property: dry cleaners, repair shops, warehouses. What it covers, what it excludes, and who needs it.

• Builder's Risk Insurance in Plain English

  Builder's risk (course of construction) insurance covers the structure going up plus materials on site, in transit, or in storage. What it covers, what it excludes, and who buys it.

• Business Interruption Insurance in Plain English

  Business income insurance explained: what it pays when a covered loss shuts you down (lost profit, rent, payroll, extra expense), the period of indemnity, and what it does not cover.

• Commercial Auto Insurance in Plain English

  Commercial auto insurance explained: liability, physical damage, UM/UIM, and the covered-auto symbols that decide which vehicles are actually insured. What it covers, what it excludes, who needs it, and how to shop it.

• Commercial Crime and Fidelity Coverage in Plain English

  What commercial crime insurance and fidelity bonds cover: employee theft, forgery, computer fraud, and funds transfer fraud, plus the ERISA bond you may be legally required to carry.

• Commercial Flood Insurance in Plain English

  NFIP vs private flood insurance for businesses: what commercial flood covers, limits, waiting periods, who needs it, and how to shop for it.

• Commercial General Liability Insurance in Plain English

  What commercial general liability (CGL) actually covers: bodily injury, property damage, personal and advertising injury, legal defense. Plus the exclusions that surprise owners, occurrence vs. claims-made, and how to shop for it.

• Commercial Property Insurance in Plain English

  What commercial property insurance covers (buildings, equipment, inventory), the causes-of-loss forms, and the exclusions that hurt: flood, coinsurance, vacancy, ordinance or law. Plus how to shop it.

• Commercial Umbrella Insurance in Plain English

  Commercial umbrella insurance explained: the extra liability layer above your primary policies, how it pays when limits exhaust, drop-down coverage, and what it does not cover.

• Contractors Professional Liability in Plain English

  Contractors professional liability explained: design-build, construction management, and delegated design exposures, what it covers, and how to shop for it.

• Contractors' Tools & Equipment Floater in Plain English

  Contractors' tools and equipment floater insurance covers your tools and machinery at job sites and in transit: what it covers, what it excludes, and how to set it up right.

• Crop Insurance (MPCI) in Plain English

  Multi-Peril Crop Insurance basics: yield protection vs revenue protection, how the federal program works, what it excludes, and how to buy it. Plain English.

• Cyber Liability Insurance in Plain English

  What cyber liability insurance covers: first-party breach costs and third-party lawsuits, what it excludes, who needs it, and how to shop for it.

• Directors and Officers (D&O) Liability in Plain English

  What D&O insurance covers for private companies and nonprofits, how Side A, B, and C work, what it excludes, and how to buy the right limit.

• Earthquake and Difference in Conditions (DIC) Insurance in Plain English

  What earthquake and Difference in Conditions (DIC) coverage does, what it excludes, who needs it, and how to shop for it. Plain English.

• Employee Benefits Liability (EBL) in Plain English

  What employee benefits liability covers: the clerical benefits-administration errors endorsement, how it differs from fiduciary liability, and how to buy it.

• EPLI: Employment Practices Liability in Plain English

  What EPLI covers, from wrongful termination and harassment claims to third-party allegations, plus what it excludes and how to buy it.

• Equipment Breakdown Insurance in Plain English

  Equipment breakdown insurance (boiler and machinery) covers sudden internal failure of your equipment: what it covers, what it excludes, and who needs it.

• Excess Liability vs. Umbrella Insurance in Plain English

  Excess liability vs. umbrella: what each one does, how follow-form excess differs from a true umbrella (drop-down, own insuring agreement), what neither covers, and how to choose.

• Farm and Ranch Insurance in Plain English

  What farm and ranch insurance covers: dwellings, barns, equipment, livestock, and farm liability. Who needs it, what it excludes, and how to shop for it.

• Fiduciary Liability in Plain English

  What fiduciary liability insurance covers for 401(k) and benefit plan sponsors under ERISA, how it differs from the required fidelity bond, and how to buy it.

• Garage Liability Insurance in Plain English

  What garage liability covers for auto businesses, how it differs from garagekeepers, who needs it, and how to shop for it. Plain English.

• Garagekeepers Insurance in Plain English

  What garagekeepers covers for customers' cars in your care, legal liability vs direct primary, who needs it, and how to shop for it. Plain English.

• Hired and Non-Owned Auto Insurance in Plain English

  HNOA explained: what hired and non-owned auto covers when employees drive personal cars or rentals for work, what it excludes, who needs it, and how to buy it.

• Inland Marine Insurance in Plain English

  Inland marine insurance covers business property that moves: tools and equipment in transit, property at job sites or in off-site storage, and customers' property in your care.

• Installation Floater Insurance in Plain English

  An installation floater covers a contractor's materials and equipment from pickup until installation is complete and accepted: what it covers, what it excludes, and who needs it.

• License and Permit Bonds in Plain English

  What license and permit bonds guarantee, which businesses need them, how the bond amount differs from what you pay, and how to get one issued and filed.

• Liquor Liability Insurance in Plain English

  What liquor liability (dram shop) insurance covers, what it does not, who needs it, and how to shop for it. Plain English, no jargon.

• Media Liability Insurance in Plain English

  Media liability explained: defamation, copyright, and privacy claims against publishers and creators, what it excludes, and how to shop for it.

• Motor Truck Cargo Insurance in Plain English

  Motor truck cargo insurance covers the freight you haul when it is damaged or lost in a covered event: what it covers, what it excludes, and how to shop for it.

• Ordinance and Law Coverage in Plain English

  What ordinance and law coverage pays when building codes force a more expensive rebuild: Coverages A, B, and C, who needs it, and how to shop for it.

• Owners & Contractors Protective Liability (OCP) in Plain English

  OCP insurance explained: who it protects, why the contractor buys a policy that covers the owner, what it excludes, and how to shop for it.

• Pollution Liability Insurance in Plain English

  Pollution liability explained: contractors pollution vs site pollution, what the CGL excludes, who needs it, and how to shop for it.

• Professional Liability (E&O) in Plain English

  What professional liability / errors and omissions insurance covers, what it excludes, who needs it, claims-made basics, and how to shop for it.

• Railroad Protective Liability Insurance in Plain English

  Railroad protective liability explained: who it protects, why railroads require it, what it excludes, and how contractors shop for it.

• Rigger's Liability Insurance in Plain English

  Rigger's liability insurance covers damage to someone else's property while you are lifting, moving, or installing it: what it covers, what it excludes, and who needs it.

• Spoilage Coverage in Plain English

  What spoilage coverage pays when perishable inventory is lost to power outages or equipment breakdown: what it covers, what it excludes, who needs it, and how to shop for it.

• Surety Bonds in Plain English

  What surety bonds are, the three parties to every bond, how contract, commercial, and court bonds differ, and why a bond is not insurance for you.

• The Businessowners Policy (BOP) in Plain English

  What a BOP bundles together (general liability, commercial property, business income), who is eligible, what it excludes, and how to shop it without missing the sublimits.

• Valuable Papers and Records Coverage in Plain English

  What valuable papers and records coverage pays to reconstruct lost documents: what it covers, what it excludes, who needs it, and how to shop for it.

• Workers' Compensation in Plain English

  What workers' compensation insurance actually pays for, what it excludes, who is legally required to carry it, and how employers liability fits into the picture.