August 7, 2026
Catering Insurance Certificates for Venues: Getting Named as Additional Insured
A venue wants naming as additional insured on your catering certificate. Which endorsement fits a caterer, what 11 venues require, and the liquor catch.
Insurance Guides & Education
Foundational insurance concepts, policy comparisons, and buying guides.
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August 7, 2026
ExplainersCatering Insurance Certificates for Venues: Getting Named as Additional Insured
A venue wants naming as additional insured on your catering certificate. Which endorsement fits a caterer, what 11 venues require, and the liquor catch.
7 min read
August 7, 2026
State GuidesDram Shop Liability by State: Where Bars and Restaurants Are Liable
Dram shop insurance by state follows state liability law. A 35-state table with the statute and the damages cap, plus five states where bars face no claim.
7 min read
August 4, 2026
ExplainersPawn Shop Insurance: Coverage for In-Trust Property, Theft, and Firearms
Pawn shop insurance must cover property you hold but do not own. The pledged-goods limit, the jewelry theft sublimit, and the ATF rules for guns.
7 min read
June 30, 2026
ExplainersOcean Cargo Insurance for Importers: What We Find Reviewing a Commodity Trader's Program (2026)
Ocean cargo insurance for importers covers goods in transit, but the Trader's E&O line that covers a rejected shipment is the piece most programs miss.
10 min read
June 27, 2026
ExplainersWhat Insurance Does a Robotics Startup Need? What Coverwatch Finds When Founders Ask for the Wrong Lines (2026)
A robotics startup needs product liability for the robot and tech E&O for the software, not the inland marine and auto it usually asks for first.
10 min read
June 26, 2026
ExplainersDoes Cyber Insurance Cover Stolen Crypto? What Coverwatch Finds in Digital-Asset Reviews (2026)
No. A value-of-digital-asset exclusion carves crypto out of cyber, and crime covers your own funds, not custodied client coins. What actually responds.
10 min read
June 25, 2026
ExplainersHow to Review a Startup Insurance Renewal: 3 Things We Keep Catching (2026)
How to review a startup insurance renewal: read the embedded bundle line by line and check the EPLI retention, the fraud sublimit, and any duplicate policy.
11 min read
June 25, 2026
ExplainersCan a Surplus Lines Policy Satisfy a Certificate of Insurance Requirement? What We Find in Real Coverage Reviews (2026)
A surplus lines (non-admitted) policy issues a valid certificate of insurance, but may not satisfy a contract requiring an admitted carrier.
11 min read
June 17, 2026
ExplainersDoes General Liability Cover Abuse and Molestation at a Group Home? What We Find Opening Care Homes (2026)
General liability won't cover abuse and molestation at a group home. The exclusion, the sub-limit trap, and what a care facility needs to open.
11 min read
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