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As insurers increase their underwriting restrictions to limit storm exposures, risk mitigation is becoming more important than ever for commercial insureds.

The coverage features a data-driven trigger, which removes the need to prove a covered loss or damage.

As severe weather becomes more frequent, it’s critical for agents to help clients understand what flood insurance does and doesn’t cover.

The excess policy provides follow-form coverage on professional liability coverage with limits up to $5 million and a minimum attachment point of $500,000.

The impacts from extreme weather events—made even clearer by Hurricanes Helene and Milton—have led to consumers reevaluating their flood risk.

The burden of increased costs caused by uninsured drivers is ultimately shouldered by insured drivers. Here are three tips for agents to help their customers protect themselves.

“These are the people taking risks, following their dreams, and creating something special,” says independent agent Luke Hoerr. “When I help them get the right coverage, I’m not just selling insurance—I’m helping protect someone’s passion project and supporting our local economy.”