Commercial Lines

After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.

Ghost kitchens are a growing trend, fueled by celebrities like MrBeast and Mariah Carey, but these non-traditional food service businesses bring unique exposures that don’t always fit into standard restaurant policies.

With ongoing wildfires in the West and an above-average Atlantic hurricane season predicted, it’s essential for independent insurance agents to educate clients on how their policies can cover evacuation-related expenses.

The policy offers coverage limits up to $5 million per location, as well as options covering additional activities modern warehouse operations encounter, including the handling, repacking and processing of stored goods.

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.

From escalating property premiums to increasing liability costs, social inflation and litigation funding, public entities have to continually refine how they manage their unique exposures.

If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.

In today’s tightening market, successful agents go beyond quoting—guiding middle-market clients to understand underwriting, improve their risk profile, and become accounts insurers want to write.

Proactive conversations with clients about catastrophe risks can surface potential coverage gaps and open the door to more forward-looking planning.