The state minister for finance Amos Lugolobi has given an ultimatum of up to December 2021 to importers and exporters, to start purchasing marine insurance online, following the enactment of a new law that requires importers to pay marine insurance for cargo through local insurers. Currently, importers insure cargo in the country of origin, through suppliers, which industry policymakers...
The Pacific Coast Association of Public Insurance Adjusters (PCAPIA), previously known as the California Association of Public Insurance Adjusters, was started in 1978....
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 claim, according to The Hartford’s 2025 data. Burst pipes, ice dams, and frozen sprinkler systems...
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...
February 13, 2026
Short Answer: Most small businesses benefit from working with an insurance agent. Online insurance is faster, but agents help prevent coverage gaps, compare multiple...
February 5, 2026
An agent submits what appears to be a simple consulting risk. Days later, the submission is still in underwriting review. The client follows up...
How much does flood insurance cost in Dallas-Fort Worth? And why do some homeowners pay under $150 per year while others pay over $2,700?
If you’re buying a home in DFW and just found out it’s in a flood...