Death is many things. It is tragic, mysterious, sometimes untimely, and always final. But one morbid question that has been discussed in the FC&S at least three times is whether a dead human body causing property damage is an excluded “pollutant” under a homeowners insurance policy.
This was the issue in Florida Farm Bureau Casualty Insurance Company v. The...
Last updated on: June 3, 2026Quick Answer: Life insurance for business owners serves three distinct purposes: (1) it funds buy-sell agreements so partners...
May 21, 2026
Small businesses are increasingly becoming targets for cyberattacks, phishing scams, ransomware, and data breaches because they often lack dedicated IT teams or formal cyber protections.
For insurance agents and brokers, this creates an important opportunity...
May 21, 2026
Small businesses are increasingly becoming targets for cyberattacks, phishing scams, ransomware, and data breaches because they often lack dedicated IT teams...
How fast can agents get a business insurance quote online?
Through Coterie, agents can receive bindable small business insurance quotes in under 2 minutes for eligible...
The Four Seasons of Small Business Risk
Winter: Property Damage and Slip-and-Fall Liability
Winter is expensive for small businesses. Water and freezing damage is the number-one small business property...
March 27, 2026
An insurance agent needs to bind a general liability policy before their client’s lease signing tomorrow. With traditional carriers, that’s 2-5...
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...
March 6, 2026
Small businesses don’t all face the same risks. A freelance designer working from a laptop has very different insurance needs than a bakery with ovens,...
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...
What Is Excess Flood Insurance and Is It Really Necessary?
If you're reviewing your flood insurance quotes and getting ready to sign, you may notice something confusing. One quote includes something...