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How Climate Change Is Affecting Property Insurance Availability and Pricing in 2025 Climate change is now a primary structural driver of admitted market withdra
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
How to Conduct an Insurance Annual Review That Retains Clients and Uncovers Coverage Gaps The annual review is the single highest-leverage activity in a commerc
Umbrella vs Excess Liability: Drop-Down Coverage, Retained Limits, and When Each Structure Makes Sense Bottom line: Both policies increase the total limits avai
How to Place AI Liability Insurance for Clients Using AI in Their Business Nearly every business client you serve is now using artificial intelligence in some f
Ransomware Coverage Gaps: What Your Clients' Cyber Policies Actually Pay Clients who experience a ransomware attack frequently discover their cyber policy pays
How Insurance Brokers Differentiate from Direct Writers When Price Is the Client's Only Concern When a client says "I can get the same coverage cheaper direct,"
How Workers' Compensation Insurance Works and How Premium Is Calculated Workers' compensation/glossary/workers-compensation is state-mandated coverage in 49 sta
How to Evaluate and Recommend Employment Practices Liability Insurance Employment practices liability insurance responds to claims by current, former, or prospe
How to Set Business Income Limits That Actually Cover a Major Loss Business income coverage under ISO CP 00 30 pays actual net income plus continuing operating