Online Resources
Find helpful information and articles from Darnielle Insurance.
Start a Quote Online Find an Agent
- Darnielle Ins. »
- Page »
- Articles »
- Risk
Articles Filtered By Tag: Risk
Show AllWhy Should I Have a Personal Umbrella Policy?
Posted: 01/24/2024The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?
Professional 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.
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.
Triggering Property Insurance Coverage, Maybe!
Posted: 06/06/2015Insurance contracts are constructed with the intent to provide coverage for certain risks of loss, but not for all of them.
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.
"All I want is a Quote..."
Posted: 02/04/2015Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.
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 riskWhy Should I Have a Personal Umbrella Policy?
The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?
home 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 riskOrdinance 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 riskTriggering Property Insurance Coverage, Maybe!
Insurance contracts are constructed with the intent to provide coverage for certain risks of loss, but not for all of them.
riskInsuring 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 risk"All I want is a Quote..."
Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.
service 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 riskTop 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 riskProtecting Yourself from the Uninsured and Underinsured Driver
With over 29 million uninsured drivers in the US what can you do to protect yourself?
service autoWhy Should I Have a Personal Umbrella Policy?
The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?
home riskReplacement Cost vs. Taxable Value vs. Real Estate Market Value – What's The Difference?
I often get asked this question by customers! Trying to figure out what each of these separate values mean, in relation to your home or commercial building, can be very confusing! To better understand the differences, here's a quick breakdown!
service homeOur Insurance Partners
— Protecting Everything You Value Most —
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.