Reasonable Care Frozen Pipe Claims

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2026 started with freezing weather gripping much of the country. As a result, there have been many frozen pipe claims. A recent Washington federal court decision provides timely guidance for policyholders and property insurance adjusters navigating these situations. 1 While the ruling ultimately favored the insurer, the reasoning and facts provide important lessons about how to analyze “reasonable...
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Reasonable Care Frozen Pipe Claims

2026 started with freezing weather gripping much of the country. As a result, there have been many frozen pipe claims. A recent Washington...

Recognizing signs of substance use disorder

Most people use substances of some kind at some point in their lives, whether it’s alcohol at a celebration, prescription medicine after surgery,...

Where to Invest Money After Selling Your House (2026 Guide)

Sold Your Home for $1M? Here’s Where to Park Your Cash Safely.Selling a home—especially in today’s market—can leave you with a large amount...

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General Liability vs BOP: How Insurance Agents Decide

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March 19, 2026 Insurance agents advising small business clients frequently face a foundational coverage question: Should this client purchase General Liability insurance or a Business Owners Policy (BOP)?  General Liability insurance covers third-party bodily injury, property damage, and advertising injury claims. A Business Owners Policy...
Small Business Insurance

General Liability vs BOP: How Insurance Agents Decide

March 19, 2026 Insurance agents advising small business clients frequently face a foundational coverage question: Should this client purchase General Liability insurance or a Business Owners Policy (BOP)?  General Liability insurance covers...
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February 26, 2026 Independent agents face increasing pressure to not just move faster, quote more, and win more small business accounts but also deliver better...
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When it comes to mid-market Contractors General Liability — premiums $15K and up — the faster a submission is accurate, the faster coverage...
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Flood Insurance

What It Costs and How to Save

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Real Costs, Case Studies, and Smart Ways to Save Why do some Beach Road homeowners pay $2,800 a year while others pay over $6,000?And what steps can you take to reduce your flood premium without cutting coverage? In this guide,...

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