Property and Casualty Benefits
The Importance of Property and Casualty Insurance
Unexpected events can happen at any time. This is why it is important for all businesses regardless of size to consider commercial property and casualty insurance. This type of coverage provides protection against a range of risks, from natural disasters to liability claims, helping safeguard physical assets and financial stability.
Property insurance is a crucial part of this protection, as it guards against financial losses stemming from unforeseen damage to property. The coverage can be domestic or international, depending on the policy in place. Typically, it covers physical damage to buildings, inventory, and equipment. It can also guard against lost income and additional expenses due to business interruption, such as renting temporary space.
The casualty part of the policies, also known as liability insurance, provides protection against legal liability for injury or damage to others caused by the business operations. Examples that may be covered by the policy include a customer falling, or product defect that leads to injury or property damage. Contact EIS to learn more and ensure your business is fully protected from lawsuits and financial losses.
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Success Story of the Month
Commercial Umbrella Policy
A small company approached EIS to understand the benefits of commercial umbrella policies and find one that best aligned to their business needs. After assessing the company's operations and risks, EIS connected them with a commercial umbrella policy that extended beyond the limits of their existing policies.
This proactive measure proved invaluable when a customer sued the business for medical expenses and lost wages exceeding the coverage limits of their general liability insurance policy. Thanks to the commercial umbrella policy, the business was able to cover the excess amount without incurring significant financial losses.
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Insurance for Thought
Are Modular Management Liability Policies Right for Your Business?
A recent development in D&O insurance is the availability of modular management liability policies, which consolidate multiple coverages into a single policy, simplifying the insurance acquisition process. The modular structure also ensures effective coordination of various coverages in case of claims spanning multiple areas.
However, combining all coverage into a single limit may leave executives vulnerable in the event of separate claims against them as individuals. While modular management type of policies may save money, it is crucial not to prioritize costs over sufficient coverage. Consider whether combining coverage into one limit aligns with your business operations and needs.
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Entoro Insights: A Look at Our Latest Achievements
What is Capturiant?
Capturiant is a global environmental asset validator, registry, and exchange operating on a regulated private-sector model utilizing distributed ledger technology (DLT) and warranty coverage. The Capturiant team consists of financially regulated and highly experienced staff fluent in securities, banking, custody, valuation, commodities, and digitalization. With this skillset, we are bringing standardized methodologies, rapid processing, and lower-cost validation to an inefficient and outdated industry. Credits are digitized and custodied on the Capturiant platform, enabling global transactions.
Capturiant’s business model leverages DLT and warranty coverage to greatly enhance the trust, transparency, quality, tracking, distribution, extinguishment, and risk management of credits and ESG instruments. Our process and compliance expertise provides exactly the level of trust and transparency issuers, investors, buyers, and sellers need throughout the entire ESG sector and asset class. Capturiant is headquartered in Houston with branch offices to be established in Zurich, Abu Dhabi, and Nassau.
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Entoro Insurance Services
Entoro Insurance Services, LLC (EIS) is a Texas-licensed insurance brokerage. We are a trusted partner dedicated to continuous improvement, professionalism, and the highest ethical standards in the industry. Our focus is delivering specialized insurance solutions, protecting client assets, managing risks, and ensuring peace of mind. We help clients limit liabilities allowing them to focus on what matters.
EIS Contacts
Doug Higgins
Managing Partner
Entoro Insurance Services, LLC
D: +1 863.581.6194
E: dhiggins@entoro-insurance.com
Jeysel Huezo
Operations Associate
Entoro Insurance Services, LLC
D: +1 832.987.3883
E: jhuezo@entoro.com
John Terrill
Director of Business Development
Entoro Insurance Services, LLC
D: +1 832.275.1672
