Discover how civil authority clauses in insurance policies protect businesses from income loss when government actions restrict property access due to disasters.

You'll likely find a coinsurance clause in your commercial property insurance policy. This clause outlines how much insurance coverage you must carry in relation to the replacement cost of your ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. A hammer clause is an insurance policy clause that allows an insurer to compel the insured ...