Commercial Property Coverage

Your business and the property from which you operate it are your livelihood. While you may be able to operate your business without a brick-and-mortar facility in today’s hyper-connected world, it is very common for business owners to still depend on having a business location. Any type of loss can grind such businesses to a halt, and render a profitable year impossible, or worse.

With Mason & Mason’s access to the nation’s most highly-regarded carriers, we help clients manage their risk associated with their commercial property. We work with clients to determine the best strategy for coverage associated with multiple locations, properties under construction or undergoing renovation, and for properties that are leased out to other tenants.

Issues such as vacancy, fluctuating costs of construction materials, and adequate coverage for signage are all part of the commercial property policy puzzle. We help make sense of it all, providing true value for competitively priced premiums.

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Your Commercial & Small Business Insurance Team

“The Masons have been great customers and friends for years, and it made sense to turn to them for our insurance needs. It's nice to have an agent who knows your name!”


Nora Mulkern-Bean, The Shannon Door Pub & Restaurant

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Internet Defamation – Words Have ...

Social media is a great way build your business’s reputation. Interactivity between merchants and customers has helped many unheard of boutique shops become Internet darlings with maxed out sales. However, fostering social media on your website or participating in social media on another’s blog can be dangerous.

The danger is Internet Defamation.

What is Internet Defamation?
Defamation is when a person makes false statements about your business such as stating that you use discriminatory practices in hiring, or you use dishonest practices dealing with your customers. Making statements like these and putting them on the Internet for anyone and everyone to see is libel. There are important elements for a statement on the Internet to earn the label of a defamatory.

  • The person who published the statement was not the person defamed
  • The statement is a false statement of fact
  • The false statement was understood to be:
    • About the plaintiff and
    • Designed to harm the reputation of the plaintiff
  • Should the plaintiff be a public figure he or she must also prove malice.

Businesses with a presence on the Internet, especially if the Internet site encourages comments and dialogs among visitors need to be especially vigilant monitoring about what other users post on their site. There is a powerful federal law known as Section 230 of Title 47 of the United States Code (47 USC § 230). This federal law is part of the Communication Decency Act of 1996. This law has precedence over any local or state laws and protects owners of interactive computer service providers from claims of defamation from postings made through reader’s comments and entries of guest bloggers. In other words, this law gives you, as a web host, protection from claims made from hosting information written by third parties.

Then why should a business watch what third parties say on their site? This is a valid question. You want your site and blogs to promote your brand, not distract from that purpose by allowing a “flame war” on your sites.

Allowing an offensive statement to stay on your site — even when written by a third-party — is off-putting to potential clients and customers.

Imagine: your own employee gets baited into a discussion and tries to defend your business. He then engages in Internet Defamation costing you customers and even cash if a lawsuit against you goes to court. Words have power.

Insurance for Internet Defamation
Even though the Section 230 language and the truth – if what you said is true it is not libel – help keep the threat of you being successfully sued for Internet Defamation lower, it is a risk that your insurance advisor can cover through your BOP policy, your General Liability Insurance, or an Umbrella Policy.

Talk with one of our risk specialists to understand your exposures and the best way to cover them with insurance.