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How to Handle a Client Whose Commercial Insurance Renewal Premium Increased 30% or More A 30% or higher premium increase is not a negotiation problem — it is a
Hard Commercial Insurance Market 2025: Which Industries Are Most Affected and How to Manage Renewals Commercial insurance rate increases are structural, not tem
How to Place Surplus Lines Insurance: State Filing Requirements and Compliance Surplus lines placements are not optional exceptions to admitted market/glossary/
Insurance License CE Requirements: Continuing Education to Renew Your Producer License Most states require 24 hours of continuing education per two-year renewal
Commercial Auto Insurance for Businesses: What a Personal Auto Policy Won't Cover A personal auto policy ISO PP 00 01 does not cover a vehicle used primarily fo
How Loss Ratio Affects Commercial Insurance Renewal Pricing And What Brokers Can Do About It A client's loss ratio is the single most controllable factor determ
How to Make Employer Health Plans Comply with Mental Health Parity Requirements The Mental Health Parity and Addiction Equity Act MHPAEA requires group health p
How Climate Change Is Affecting Property Insurance Availability and Pricing in 2025 Climate change is now a primary structural driver of admitted market withdra
Anti-Rebating Laws and Broker Compensation Disclosure: What Insurance Brokers Must Know Anti-rebating statutes prohibit insurance producers from offering, promi
Named Perils vs Open Perils Special Form: How Property Form Choice Affects Coverage and Claims Bottom line: For most commercial property placements, the ISO Spe