Molds are organisms that break down animal matter and dead plants. Though most molds grow outdoors, they can travel inside by way of open windows and doors, air conditioning systems, and on pets, clothing, and shoes. Once inside your home, mold needs a moist food source, such as lint, ceiling tiles, or wallpaper, to grow. Mold not only damages your
Like other lines of insurance, the employment practices liability (EPL) insurance market has hardened. As such, the first half of 2022 saw the majority of insureds experience rate increases. The extent of these rate increases varied based on sector, location, potential exposures and prior losses. Most policyholders with good claims history encountered moderate rate increases, ranging between 5%-15%, according to
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