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For hosts of Airbnb and Vrbo properties, there are options that an independent insurance agent can offer, as well as numerous tips agents should relay to their clients to avoid a claim.

The Neptune excess flood policy provides coverage above the maximum limit available through the National Flood Insurance Program (NFIP), allowing customers to keep their NFIP policy if they have yet to reach their market rate.

Although commercial property insurance typically covers fire damage, the unique risks posed by lithium-ion batteries can often necessitate additional policy endorsements.

Like all hotels, boutique hotels need multiple insurance coverages, but they may also need additional coverages such as property insurance for refurbished historic properties.

“It’s a challenge to instill the mindset that just because you’re trying to help doesn’t mean you aren’t vulnerable to a lawsuit,” says independent agent Ben Guttman. “Many people don’t think about that, but recent cases have made many directors more awar

Thanks in part to federal infrastructure spending, the commercial surety market is booming in the U.S., which has triggered a steady flow of work for contractors and an equally satisfying demand for commercial bonds.

While certain industries, such as health care, manufacturing and chemical industries, have the biggest environmental risk factors, every commercial insured has some form of a pollution exposure.

Coverage is available for most industries and countr​ies with highlights including comprehensive coverage, excess & quota share and specialty coverages.

The wave of post-pandemic lawsuits has prompted independent insurance agents to review their errors & omissions (E&O) coverage and risk mitigation strategies.

US Assure expanded eligibility for XPressBIND, its online six-question application with no underwriting holds, from $500,000 to $1 million for new home construction projects.