The Coverage Gap Nobody Talks About Most business owners and homeowners believe their insurance will cover a major loss. That belief rests on the assumption that the coverage limit on…
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The Numbers Behind the Shift If your commercial property insurance renewed in the past six months and the premium came in lower than expected, you are not imagining things. According…
The Threat Inside Your Business When business owners think about theft, they usually picture a break-in. Someone forcing a door, taking equipment, maybe emptying the register. That kind of loss…
It Was Not a Hurricane On Monday, July 6, heavy rain caused part of the roof to collapse at a BJ’s Wholesale Club in Ocean Township, New Jersey. Security camera…
A Split Market Is Not a Simple Market For the first time since 2017, commercial property insurance premiums are declining. The Council of Insurance Agents and Brokers reported that commercial…
A Renewal Notice Is Not a Final Answer The Kaiser Family Foundation is now projecting an 11 percent median premium increase for small businesses with ACA-compliant health plans in 2026….
The Voice on the Phone Sounded Exactly Like Your CFO. It Was Not. Artificial intelligence has made fraud faster, cheaper, and far harder to detect. Deepfake audio, cloned voices, and…
Seven Years of Increases Just Ended For the first time in more than seven years, commercial insurance premiums have dipped. Global commercial insurance rates fell 5 percent in the first…
A Quiet Forecast Is Not a Plan Colorado State University is projecting a below-average Atlantic hurricane season in 2026, with 13 named storms and 6 hurricanes expected as developing El…
Rates Are Flat. Claims Are Not. The workers’ compensation market in 2026 looks stable on the surface. Rates have been relatively flat and trending slightly downward in most states, reflecting…
