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Show AllProfessional Liability Insurance
Posted: 03/23/2017Almost every business or firm can become liable for injury to others resulting from a condition on its premises or arising out of its operations, products, completed work or actions of its employees.
Update on Past Articles
Posted: 11/06/2016Here are a few updates on the past risk articles.
Anti-Indemnity Statute
Posted: 10/11/2016Indemnity clauses generally are more common to construction projects primarily due to the risks involved maintaining a safe work environment.
Phishing, Don't Take the Bait
Posted: 10/11/2016Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users.
Ordinance or Law Coverage
Posted: 08/05/2016The situation can be specifically addressed by working with your insurance advisor and construction professional who are versed in coverage and current code requirements.
Directors and Officers Insurance
Posted: 07/06/2016Directors & officers of a corporation may be subject to personal liability for acts performed in their duties as an officer or director.
Does Faulty Workmanship Qualify as an Occurrence
Posted: 04/15/2016A question asked, and tried to be answered, in many different courts! Numerous articles have been written and rewritten, along with state and federal court decisions, that all address the same question: Is faulty workmanship an occurrence?
TNC Update & Montana & the Ride-Share Industry
Posted: 02/26/2016Transportation network companies (TNC's) have become a viable part of the sharing economy.
The Independent Contractor-Addressed Again??
Posted: 01/02/2016After a Montana Supreme Court decision in 2003, "Kelly Wild vs Fregein Construction", significantly changed the status of independent contractor exemptions, the 2005 Montana Legislature re-established the conclusive status of the IC exemption certificate.
Condominium Association Insurance
Posted: 10/05/2015The condominium association business is managed by its by-laws and declarations. These are unique to each association and deal with the day-to-day obligations and duties of the board and unit owners.
Transportation Network Companies-TNC's
Posted: 07/17/2015Since December 2014, there were approximately 163,000 active Uber drivers, offering about 1 million paid rides a day in more than 250 cities around the world!
Cyber Liability Insurance
Posted: 07/17/2015In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private.
Insuring the Boss
Posted: 04/24/2015Workers' Compensation Coverage is generally always a substantial cost item in any business financial statement. Therefore, business owners pay special attention to the various methods in containing those costs.
"The Bakken and Workers' Compensation Coverage"
Posted: 03/13/2015The Bakken oil patch has provided great opportunities for employment for numerous workers. With work opportunities naturally goes the need for workers' compensation insurance coverage.
An Insurance 'Intermediaries' Duty to the Client
Posted: 02/04/2015The question can then be asked: What are the duties to the client while acting in either capacity?
Buying Insurance in 15 Minutes or Less?
Posted: 01/04/2015This is where the need for a face-to-face with an insurance agent/broker is a must!
Workers' Comp. and the Independent Contractor
Posted: 12/02/2014Montana was one of the first states to enact legislation relating to the needs of injured workers.
Negligent Entrustment
Posted: 11/01/2014In a claim for negligent entrustment you will have cause to pursue not only the driver of the vehicle for compensation, but also the owner!
"Claims Made" and "Reported"
Posted: 08/04/2014There are two distinct "Claims Made" policy forms and the difference can determine the outcome of a potential claim.
A Serious Gap in Homeowners Insurance Coverage
Posted: 07/01/2014A number of surveys and studies have clearly indicated that consumers are largely unaware of the potential coverage gap that may be created by certain occupancy situations.
Top 10 Reasons You Need Cyber Liability Insurance
No matter what type of business you run, where you're located, or how much time you spend online – your business needs Cyber Liability Insurance.
business riskProfessional Liability Insurance
Almost every business or firm can become liable for injury to others resulting from a condition on its premises or arising out of its operations, products, completed work or actions of its employees.
business riskAnti-Indemnity Statute
Indemnity clauses generally are more common to construction projects primarily due to the risks involved maintaining a safe work environment.
business riskPhishing, Don't Take the Bait
Phishing has become one of the most common threats online, fooling even the most tech-savvy and cautious users.
businessOrdinance or Law Coverage
The situation can be specifically addressed by working with your insurance advisor and construction professional who are versed in coverage and current code requirements.
business riskDirectors and Officers Insurance
Directors & officers of a corporation may be subject to personal liability for acts performed in their duties as an officer or director.
business riskDoes Faulty Workmanship Qualify as an Occurrence
A question asked, and tried to be answered, in many different courts! Numerous articles have been written and rewritten, along with state and federal court decisions, that all address the same question: Is faulty workmanship an occurrence?
business riskTNC Update & Montana & the Ride-Share Industry
Transportation network companies (TNC's) have become a viable part of the sharing economy.
business riskThe Independent Contractor-Addressed Again??
After a Montana Supreme Court decision in 2003, "Kelly Wild vs Fregein Construction", significantly changed the status of independent contractor exemptions, the 2005 Montana Legislature re-established the conclusive status of the IC exemption certificate.
business riskBuying Workers' Compensation Insurance
In Montana, every employer who has an employee is required to purchase, or self insure, coverage for an injury or illness arising out of and in the course and scope of employment.
business riskCondominium Association Insurance
The condominium association business is managed by its by-laws and declarations. These are unique to each association and deal with the day-to-day obligations and duties of the board and unit owners.
business riskTransportation Network Companies-TNC's
Since December 2014, there were approximately 163,000 active Uber drivers, offering about 1 million paid rides a day in more than 250 cities around the world!
businessCyber Liability Insurance
In this fast paced world, rich in technology, we hang on to the hope that our personal information can remain private.
businessInsuring the Boss
Workers' Compensation Coverage is generally always a substantial cost item in any business financial statement. Therefore, business owners pay special attention to the various methods in containing those costs.
business risk"The Bakken and Workers' Compensation Coverage"
The Bakken oil patch has provided great opportunities for employment for numerous workers. With work opportunities naturally goes the need for workers' compensation insurance coverage.
business riskAn Insurance 'Intermediaries' Duty to the Client
The question can then be asked: What are the duties to the client while acting in either capacity?
business riskBuying Insurance in 15 Minutes or Less?
This is where the need for a face-to-face with an insurance agent/broker is a must!
business riskWorkers' Comp. and the Independent Contractor
Montana was one of the first states to enact legislation relating to the needs of injured workers.
business riskNegligent Entrustment
In a claim for negligent entrustment you will have cause to pursue not only the driver of the vehicle for compensation, but also the owner!
business riskOccurrence vs. Claims Made..& Switching!
Generally all Property/Casualty policies you purchase will fall into one of two categories-"Occurrence" or "Claims Made".
business risk"Claims Made" and "Reported"
There are two distinct "Claims Made" policy forms and the difference can determine the outcome of a potential claim.
business riskA Serious Gap in Homeowners Insurance Coverage
A number of surveys and studies have clearly indicated that consumers are largely unaware of the potential coverage gap that may be created by certain occupancy situations.
business riskManaging Risk
Risk is the uncertainty of loss. It is not knowing when or how a loss of property or income will occur
business riskIs there a Value to Having a Local Agent?
There is no doubt that we've all seen better times in the insurance marketplace. We all feel a bit helpless as prices go up, policy terms change and we wonder if there is anything we can do.
service auto homeA few Common Misconceptions About Insurance
There are many misconceptions about all types of insurance. Which do you fall for?
autoDelivery vs. Rideshare - What's the difference?
If you use your personal vehicle to pick up and deliver goods or people, there are some things you should know regarding your auto insurance.
auto riskOur Insurance Partners
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Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.