Arvori
Coverage & Products guides for Insurance Brokers.
Private company D&O insurance: coverage structure, underwriting factors, limits guidance, and how brokers place management liability for non-public companies.
Pollution and environmental liability insurance: CGL exclusion gaps, CPL vs PLL policy types, industries that need coverage, and underwriting factors brokers must know.
PFAS exclusions are now standard in commercial liability policies. Which industries are affected, how ISO endorsements work, and how brokers find specialty coverage.
Technology E&O insurance for SaaS clients: exposures, underwriting triggers, limits benchmarks, bundled tech E&O + cyber, and common exclusions brokers must catch.
Surety bond vs insurance: three-party mechanics, indemnity agreements, when clients need each, and why contractors require both — explained for brokers.
Umbrella vs excess liability: drop-down coverage mechanics, retained limits, underlying schedule requirements, and which structure fits your client's risk.
How workers' compensation insurance works, how premium is calculated using class codes and experience mod, and how brokers help clients manage audits and costs.
How brokers evaluate and place EPLI — wrongful termination, discrimination, harassment, wage and hour exclusions, limits, retentions, and D&O coordination.
CGL vs professional liability (E&O): what each policy covers, the professional services exclusion gap, and when clients need both — explained for brokers.
D&O insurance for nonprofit boards: how brokers assess board liability exposure, structure coverage, integrate EPLI, set limits, and protect the retroactive date.
E&O vs cyber liability coverage: what each policy covers, where the coverage gap is, and why most professional services firms need both policies.
How insurance brokers evaluate and recommend cyber liability coverage for 10–50 employee businesses — limits, exclusions, sublimits, and coordination with BOP and E&O.
What a BOP covers — property, GL, business income — the 8 exclusions every broker must explain before a claim surfaces, and how to set limits correctly.
First-party vs third-party cyber coverage: what each component covers, how sublimits work, and when clients need both sides of the policy — explained for brokers.
Occurrence vs claims-made E&O coverage: policy trigger mechanics, retroactive dates, tail coverage costs, and which structure fits your clients.