A business that harms another party or damages/destroys property that belongs to another party may be sued or prosecuted. Larger businesses protect against their liability to third parties with a Commercial General Liability (CGL) policy. An insurance company provides a CGL under some assumptions about the type of losses it is willing to cover.

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to "endorse the certificate of insurance" are inappropriate and misleading. A certificate is a separate document that is used to comply with a common contract requirement to verify certain types and amounts of insurance.

Some cities have fought against the disruption caused by E-scooters. E-Scooter Rental companies have usually taken a strategy used by more mature, sharing and gig economy players such as Airbnb. Rather than adhere to traditional business entry practices, such as undergoing licensing or permit protocols, E-Scooter companies often show up in an area overnight, without advance notice.

Cyber attacks are a significant issue for every risk manager and business with any type of computer device and electronic data. If you have not suffered a cyber incident such as a system hack, data stolen or held hostage for ransom, or a phishing email scam, sit tight because the possibility is more significant than you might think.

A restaurant may have greater exposure to a virus or infectious disease simply because patrons remain on the premises longer than most businesses. Plus, food is typically handled by cooking assistants, cooks, and servers before making it to the customer's table. Restaurant employees' touch many surfaces, creating many opportunities for viral infection.

Your chances of suffering a loss is increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them.