Eclipse Insurance and Risk Management

Is your insurance truly protecting your business — or are there gaps you haven’t noticed? As we head into the new year, now is the time to review your coverage. In our latest blog, we break down 6 practical ways to strengthen your protection — from reviewing limits to checking cyber coverage and making sure your policies reflect your current operations.

A quick review today could save you major headaches tomorrow. Read the full article here: https://www.eclipseinsurance.com/6-ways-to-make-sure-your-insurance-protects-you-in-the-new-year/

Many small and mid-sized businesses underestimate their cyber exposure. Hackers often target smaller vendors to reach larger companies, which means any business with system access or customer data can be an entry point.
Our latest article explains why SMBs are increasingly at risk and what a strong cyber policy should include to protect against breaches, regulatory penalties, downtime, and reputational harm.
If you want clarity on your cyber risk or coverage options, we’re here to help.
🔗 Read the full article: https://tinyurl.com/mub5e2vr

Vacant commercial buildings carry more insurance risk than many owners realize. Standard commercial property policies often reduce or even void coverage if a building has been vacant for more than 60 days, especially for losses like vandalism, water damage, or theft.
With higher vacancy rates across commercial real estate, it’s important to understand how insurers define “vacancy” and what steps you may need to take to stay protected.
Our latest article explains what qualifies as a vacant building, how coverage is affected, and when a vacant building policy may be the right solution.
🔗 Read the full article here: https://www.eclipseinsurance.com/vacant-building-insurance-coverage/

🔍 Claims-Made vs. Occurrence-Based Insurance — Do you know the difference?
If your business carries D&O, EPL, Cyber, or Professional Liability insurance, chances are it’s on a claims-made basis—which means timing is everything when it comes to reporting claims.
📅 Miss the retroactive date or delay reporting a potential issue? You could be left without coverage.
👉 Learn the key risks and how to protect your business: https://tinyurl.com/33awzudm
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