How Agents Can Assist D&O Clients as Risk Complexities Change
As the directors & officers (D&O) market shifts from soft to hard, it is a prime time for independent agents to identify emerging trends and changing exposures for their clients.
Big I Alliance
Flood ‘Underinsurance Crisis’ Exposes Millions of Homes
Nearly 85% of single-family homes at risk of flooding in the U.S. carry insufficient coverage, leaving households vulnerable to thousands of dollars in out-of-pocket costs, according to Neptune Flood.
Annuity Sales Set New Record in First Half of 2025
Sales rose to $223 billion in the first half of 2025, 3% above the first half of 2024 and beating the record previously set in 2024.
D&O and Cyber Liability: A Complex Relationship
While D&O and cyber liability policies offer distinct coverage differences, many companies mistakenly believe they do not require separate policies.
4 in 5 Parents of Teen Drivers Would Enroll Child in Telematics Program
Less than half of parents rate their teen’s driving as good or excellent, according to Nationwide, with some parents reporting their teen’s unsafe driving behaviors, including styling their hair or even watching videos.
Progressive Insurance Announces New Cargo Plus Coverage
The new endorsement protects truckers by expanding coverage for perils attributed to wetness, rust and corrosion, as well as driver error and changes in temperature on refrigerated loads.
Multi-State ISO BOP Revision Allows Certain Auto Service Risks
A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.
Property & Casualty Forecast: Personal Auto to Improve, General Liability a Weak Spot
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
Personal and Commercial Lines Rates Continue to Rise in 2025
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
Communicate Risk Exposures to Middle-Market Clients
By using clear language, tailored messaging, data-backed insights and relatable examples, insurance agencies can guide their clients to strategic protection.
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