Insights
Coverage guidance without the jargon
Straightforward explanations to help you understand options and make confident insurance decisions.
Business Insurance
Industry insurance spotlights
Explore evergreen guides to the risks, coverage combinations, and policy details common to specific types of businesses.
June 2026
HVAC Contractors: Workers Compensation, Vehicles, Tools, and Jobsite Risk
HVAC contractors face employee injury, auto, tools, equipment, refrigerant, property damage, subcontractor, and certificate issues as the business grows.
June 2026
Contractors: Insurance Issues That Show Up When You Start Winning Bigger Jobs
As contracting businesses grow, certificates, subcontractors, commercial auto, workers compensation, tools, equipment, and audits can become more important.
June 2026
Electricians: Why Workers Compensation Matters Even Before You Hire a Big Crew
Electricians face jobsite risks that can affect employees, owner-operators, subcontractors, vehicles, tools, contracts, and completed work.
June 2026
Buying or Building a Home? Insurance Questions to Handle Before Closing
A practical guide to homeowners insurance questions buyers should review before closing on a new or newly built home.
June 2026
Powersports and Recreational Vehicles: Why Your Toys Still Need Insurance
Motorcycles, ATVs, UTVs, boats, campers, golf carts, and other recreational vehicles can create liability, theft, damage, and coverage gaps.
January 2026
What Is Workers' Compensation Insurance?
A clear overview of workers' comp coverage, who needs it, and how it works for employers and employees.
February 2019
Railroad Protective Liability: What Contractors Need to Know
Contractors working on or near railroad property may face insurance requirements and liability exposures that a standard general liability policy may not fully address.
January 2019
Risk Management: More Than Buying Business Insurance
Commercial insurance is only one part of protecting a business. Risk management starts by identifying exposures, reducing preventable losses, and deciding how remaining risks should be financed.
December 2018
Longshore and Harbor Workers' Compensation: Understanding the Exposure
Businesses performing maritime work on or near navigable waters may face federal workers compensation obligations that differ from ordinary state workers compensation requirements.
December 2018
A Data Breach Can Disrupt Any Business
Cyber incidents are not limited to large corporations. Businesses that collect customer, employee, payment, or confidential information can face costly response obligations after a breach.
November 2018
House of Worship Insurance: Protecting More Than a Building
Churches and other houses of worship may need protection for property, liability, employees, volunteers, vehicles, programs, counseling, events, and other ministry-related exposures.
November 2018
Why Supporting Small Businesses Matters
Local businesses help create jobs, preserve community character, support local organizations, and provide specialized service that is difficult to replace.
November 2018
Independent Insurance Agent or Buy Online: What Is the Difference?
Buying insurance online may be convenient, but an independent agent can help compare carriers, explain coverage differences, and identify gaps that are easy to miss when shopping on price alone.
November 2018
Crop Insurance: Protecting a Farming Operation Against an Uncertain Season
Crop insurance can help farmers manage losses caused by weather, yield changes, revenue fluctuations, and other covered agricultural risks.
November 2018
Snow and Ice Removal: Insurance Questions Before the First Storm
Snow removal creates liability, vehicle, equipment, workers compensation, and contractual risks for both property owners and contractors.
November 2018
What Does 'Full Coverage' Car Insurance Actually Mean?
There is no single standardized policy called full coverage. Auto protection is built from separate coverages, limits, deductibles, and endorsements that should be selected intentionally.
October 2018
Airbnb and Short-Term Rentals: Does Your Home Insurance Still Fit?
Renting a home to paying guests can change the insurance exposure. Homeowners should review coverage before listing a property on Airbnb or another short-term rental platform.
October 2018
Cyber Liability Insurance: Is Your Business Exposed?
Businesses that depend on electronic data, online systems, payments, or customer information can face both first-party costs and third-party liability after a cyber incident.
August 2018
Certificates of Insurance: What They Do and What They Do Not Do
A certificate of insurance provides evidence of coverage, but it does not rewrite an insurance policy or automatically grant additional insured status, waivers, or other contractual protections.
July 2018
Do I Need Commercial Auto Insurance for a Business Vehicle?
Vehicle ownership, business use, drivers, equipment, weight, contracts, and required liability limits can all determine whether a personal auto policy is appropriate.
July 2018
Dental Practice Insurance: Coverage Questions Beyond Malpractice
Dental practices face professional liability, property, cyber, employment, equipment, workers compensation, and business interruption exposures that should be reviewed together.
March 2017
Five Insurance and Risk Management Rules for Landlords
Rental property can produce income, but poor property selection, weak tenant screening, deferred maintenance, inadequate insurance, and inconsistent documentation can turn a rental into an expensive liability.
February 2017
Does Credit Affect Auto and Home Insurance Rates?
Where permitted, insurers may use credit-based insurance information as one of many rating or underwriting factors. Improving credit does not always change a policy premium automatically.
February 2017
Why Auto Insurance Can Increase Even as Your Car Gets Older
An older vehicle may be worth less, but auto insurance premiums also reflect liability, injury costs, repair costs, claim trends, drivers, location, and many other factors.