
Independent Label Noize Cartel Records Gives Artists a Real Shot at Success in the Music Industry
Founder and Executive Director Matt Alcobia gives motivated talent a leg up in the music industry with his San Diego label.
Terri is Thimble’s Chief Insurance Officer and our in-house expert on the insurance industry. Previously, Terri was Principal & Director of the Product Design Practice area with Perr & Knight, a major insurance consulting services firm. Her areas of expertise are reinsurance and insurance operations, contracts, compliance, product development, and underwriting, having provided such services to clients in the industry over the past 30 years. Terri graduated, cum laude, with a B.A in English and in French from the College of the Holy Cross. She received her J.D, cum laude, University of Maryland School of Law.
If you’re like me, you’ve been glued to the news regarding Coronavirus, read every article about social distancing and stay-at-home lockdowns, and are eagerly awaiting your online grocer of choice to come back online. You may have also received some helpful information regarding assistance on home schooling, financial bridging and health care protocols, but, what you may not have seen is how your business insurance might respond, or not respond, to the effects that Coronavirus has had on your business and your customers.
At Thimble our business insurance policies can include general or professional liability insurance—so let’s start there.
Your general liability or professional liability insurance policy will defend you if you are accused of being responsible for a third party contracting COVID-19. It may protect you in the event that you are determined to be responsible for that person actually contracting the virus. You should note that merely being contagious, especially if you are unaware of being contagious, may not be determined responsible.
These policies, however, do not respond to YOUR injuries, illnesses or loss of business.
While Thimble does not offer the following policies, we wanted to share guidance on a few popular types of business insurance and how they too may or may not respond to the impact of Coronavirus on your business.
An Accident & Health policy, an Event Cancellation policy or a Business Income policy could each respond to some of the financial losses many of our insureds are facing today. Currently, Thimble does not offer these products, but you may have access to them through another broker. Here are some of the types of losses you might see under those coverages.
We know this is a confusing time for all of us. Understanding the intricacies of insurance is daunting in the best of times. We wish you the best and our support is online to answer any questions you might have.
Stay healthy.
Terri
Founder and Executive Director Matt Alcobia gives motivated talent a leg up in the music industry with his San Diego label.
Driven by a desire to be their own bosses, Sarasota couple Jose Aguilar and Maite Montagut get their feet wet in the pressure washing business.