Commercial Property

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

Traditional insurance leaves business owners vulnerable against non-damage business disruption caused by the weather. Parametric insurance, like Vortex Weather Insurance, can help fill those gaps. 

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.

“Most insurance companies consider general liability the cornerstone line of business for an account,” says independent agent Brad Berrong. “Normally, if a company does not consider this type of exposure, it will not accept other lines of insurance for that account.”

As breweries and wineries go green, agents need to translate sustainability initiatives into clear underwriting conversations and protection strategies.

“The real estate insurance market is going through significant changes,” says independent agent Stephen Turnbull. “Rising construction costs and inflation have made it more expensive to rebuild properties, leading to higher replacement cost values and increased premiums.”

“It’s on us to understand what opportunities technology provides our industry to be more efficient and grow at a faster rate than generations before us,” says young agent Ryder Roberts.