A waiver of subrogation is a powerful handshake agreement built right into your insurance contracts. It stops your insurance company from going after a third party to get its money back after paying your claim. Think of it as a pre-negotiated peace treaty. It’s a clause that tells your insurer
Think of your insurance deductible as the portion of a loss you agree to cover yourself. For small, everyday incidents—a cracked display case, a minor tool repair—paying a small amount out of pocket is manageable. It’s part of the deal that keeps your overall insurance premiums from getting out of
Here’s a startling truth that trips up too many jewelers: the insurance your carrier has is not designed to protect you. Jewelers block insurance is a comprehensive policy that protects your inventory, but what about when you ship? When you hand a package to a carrier, they are covered by
