May brought news of moderating pressures in the long-suffering personal lines space, with early signs that increases in reconstruction costs and personal auto premium hikes may be beginning to slow.
December looked at the 2025 Atlantic hurricane season, the impact of claims management on customer experience, state requirements for paid leave and time off. Plus, state regulations on artificial intelligence (AI) as well as a review of 2025’s top stories.
The endorsement is designed for homes outside historical high-risk flood zones and provides coverage for damage from flood waters or surface waters.
If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.
How independent agents can add value through comprehensive consultation and risk mitigation.
