Type of Claim: Errors & Omissions (E&O) Cause of Action: Negligence/Failure to Perform Type of Insured: Software Developer Facts: A software company manufactures and distributes workforce management software that allows third parties to track employee hours, overtime, vacation time, and…
Type of Claim: Errors & Omissions (E&O) Cause of Action: Negligence/Failure to Perform Type of Insured: Software Company Facts: A software company sells and installs a computerized fare system for a transportation authority. The company is also responsible for regularly…
What is an E&O Claim and Why Should Software Developers Care? An E&O (Errors & Omissions) claim happens when a client sues a company because they believe the company’s services or products caused them financial harm. For software developers, this…
In the aftermath of the significant wind and hailstorms of 2023, the landscape of roof insurance policies is evolving. At Hamsher Insurance, we understand how these changes can impact homeowners. Insurance carriers are now implementing stricter guidelines concerning the age,…
Imagine a well-loved local restaurant suffers considerable damage from a fire. The physical damage is extensive enough to require the restaurant to close temporarily for repairs. To protect against such incidents, the restaurant has business interruption insurance. Business interruption insurance…
Life is unpredictable, and during a loss, financial concerns should be the last thing on your family’s mind. Life insurance serves as more than a financial buffer—it’s a compassionate fund for grieving, providing your loved ones the space and support…
For many, our homes are not just living spaces but repositories of treasures that reflect our journeys, passions, and milestones. However, a standard homeowners insurance policy may not fully protect these cherished items. That’s where the added security of a…
I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property…
I was recently asked this question by one of our Tom Hamsher Insurance Agency clients, and thought I would share the answer here for our readers. There are a lot of things that go into homeowners and auto insurance rates, one…
Why do my auto insurance rates keep going up even though my car is getting older? At Tom Hamsher Insurance Agency, many of our clients ask this question so I would like to address it from a couple of angles.…
