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Winter losses test how well your insurance program matches real risk. Frozen pipes, roof leaks from ice, power outages, and collapsed structures create overlapping claims that move quickly. The policy language controls. New Jersey courts will read the contract you purchased, not the brochure you remember. January is the right time to collect facts, give proper notice, and measure each loss against the coverage you actually carry.

However, many business owners find themselves confused when selecting between claims-made vs. occurrence-based insurance policies.

It is because of this “inherent danger” that worker’s compensation requirements were made law in many states. 

This post aims to help business owners understand situations in which insurance companies deny coverage under a business policy.