Markets

As long-term care insurance premiums have skyrocketed while availability has dwindled, agents can guide clients through alternative solutions.

Interest rates, property & casualty insurance pricing, and public broker valuations all play their part in influencing deal activity. But we may soon witness a more pragmatic impact—a change to capital gains tax rates.

Demand for surety bonds remains strong thanks to federal government legislation funding construction and other growth areas such as fraud mitigation.

“Small businesses are as vulnerable, or more so, than enterprise organizations,” says independent agent Robert Sargent. “However, many small businesses do not acknowledge their vulnerability.”

As the restaurant market evolves, restaurant owners need clarity on what coverage they have and where they could be vulnerable.

The program includes specialized classic car coverages and pricing models that account for the reduced accident frequency often associated with collector vehicles.

The soft market for bonds has been underpinned by sufficient reinsurer capacity and new surety company entrants into the market. However, there are some indications that the market is hardening.

In addition to property damage, the Difference in Condition (DIC) earthquake program can offer coverage for earthquake shock, earthquake sprinkler leakage, business interruption and other perils.

September is Life Insurance Awareness Month and provides an opportunity to dispel misconceptions and educate the many Americans who live with a life insurance coverage gap.

Restaurateurs face difficulties hiring and retaining staff, an ever-evolving landscape of changing technologies, economic and social inflation, and the recent Department of Labor (DOL) overtime rules changes.