Risk Management

Many drivers assume summer road risks come from major crashes or severe weather—but most claims actually arise from minor, inconvenient, and largely preventable incidents.

Parametric insurance has been around for many years, but with increased data granularity and availability, these special policies are now widely available to fill coverage gaps under admitted policies.

An elderly couple built a one-story dwelling on their property for themselves and sold the property’s primary dwelling to their child.

Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.

Along with precise building valuations, Construction, Occupancy, Protection, and Exposure (COPE) forms the backbone of any commercial property risk assessment.

DIY home inspection tools represent a new way for clients to get a faster resolution after a loss, helping eliminate the wait for adjuster availability and giving homeowners more control.

Winter Storm Fern highlighted how quickly winter risks can escalate when cold, ice and infrastructure strain overlap. As winter risks continue to evolve, the agent’s role as educator and advisor has never been more valuable.

As demand for data centers and energy storage accelerates in the coming year, these contaminated industrial sites will find new life as technology hubs.

As the number of high net-worth individuals (HNW) grows and more are considering self-insuring, agents’ roles are transforming from policy placement to strategic risk advisor.