What Could Be Driving a Reduction in Workers Comp Claims in Construction?
Construction is the largest sector in workers compensation by premium and any changes to claims frequency will impact the entire workers comp market.
Commercial Lines
75% of Small Businesses Experienced Workplace Injuries in 2024
While injury-related expenses cost small businesses more than $20,000 in 2024, half of these injuries were reported as being preventable, according to Pie Insurance.
From the Front Lines: Small Business Insurance
“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.”
Does Endorsement CG 24 08 Add Liquor Liability to CGL?
A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.
P&C Insurance Market Returns to Underwriting Profitability After Premium Hikes
Two insurance industry reports revealed that the overall property & casualty insurance industry is returning to profitability after years of hard market conditions and weather-related losses.
Sexual Misconduct Liability for Health Care Organizations
Claim activity, social inflation and third-party litigation funding are leading carriers to reduce their financial risk for abuse exposures, leaving health care organizations struggling to attain adequate insurance.
Does a BAP Cover a Claim Outside the Radius of Operations?
If the insured has a claim outside the 500-mile radius, will the claim be covered? Is there a chance the carrier may wish to nonrenew or cancel?
Admiral Insurance Group Adds Virtual Care to Primary and Excess Professional Liability Product
The product addresses unique risks in the rapidly evolving field of health care technology, including coverage for medical malpractice, technology bodily injury and cybercrime.
Delayed Repairs and the ‘Delay, Loss of Use or Loss of Market Exclusion’
A client’s commercial property suffered wind damage. Repair estimates were approved, but weather delayed the repair and the costs increased. The adjustor is denying the additional repair costs.
Most Ransomware Incidents Start With Compromised VPN Devices
VPNs and firewalls ranked as the first and fourth most exploited technologies for initial access in 2024, according to a Coalition report.
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