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All articles, sorted by most recent.
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Nov 8, 2026
When Does Builder’s Risk Insurance End? The 60-Day Occupancy Clock
Commercial InsuranceBuilder's risk doesn't run until you cancel it. It ends at the first of several triggers — and…
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Nov 8, 2026
Signed Down to 100: Signing Down Without Letting a Buried Condition Slip Into the Signing
ReinsuranceEvery treaty broker knows the room. It is the last two weeks before January 1, dozens of reinsurers…
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Nov 8, 2026
One Record, Many Rules: What the London Market’s Shared Layer Means for Your Next Renewal
UnderwritingYour client’s risk data does not live in one place. It sits in your agency management system, in…
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Nov 8, 2026
When the Agent Quotes Your Renewal: The Three-to-Five-Point Question
UnderwritingHere is the pitch you will hear at your next renewal meeting: underwriting is going agentic. The pricing…
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Nov 2, 2026
InFactIQ’s Demand IQ Checks Every Demand Against the File. Here’s What Brokers Should Ask Next
Property InsuranceA time-limited demand used to arrive as a letter an adjuster could read in an afternoon. Now it…
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Nov 2, 2026
Five Sigma and Amarillo Are Pairing Claims AI With Bordereaux Data. Here’s What Brokers Should Ask Next
Claims ManagementEvery claims-automation pitch starts at the same place: the adjuster. Automate the intake, automate the triage, let the…
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Nov 2, 2026
Fitch Scored Insurance 20 on AI Disruption. The Fine Print Is About Reinsurance Models.
Property InsuranceFitch Ratings ran an AI stress test across its rated universe and gave every insurance sub-sector the same…
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Nov 2, 2026
Guidewire Put Its Agents Inside the Core System. Here’s What Brokers Should Ask Next
Property InsuranceMost carrier AI announcements are about a copilot bolted onto the side of the real system — a…
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Nov 2, 2026
Anthropic’s IPO Filing Just Named the AI Coverage Gap
Property InsuranceMost AI-risk writing is abstract — a warning without a document attached. This one has a document. Anthropic,…
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Nov 1, 2026
The Roof Didn’t Leak. The Policy Still Got Non-Renewed.
Property InsuranceA homeowner in Peoria just got 30 days’ notice that their policy won’t renew. The roof has never…
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Oct 30, 2026
The Assistant’s Number and the File Disagree — Which One Wins?
UnderwritingShort answer: the file. The verified, dated, account-specific record — the loss runs, the signed application, the inspection,…
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Oct 30, 2026
What Changes for Brokers When Verisk Loss Costs Live Inside Copilot, Claude and Amazon Quick?
UnderwritingUpdated Nov 1, 2026 — added the free chat-number challenge card, slow-the-number pack, and copilot feed file downloads…
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Oct 30, 2026
Which Loss Cost Version Is Behind the Number the Assistant Quoted — and How Do You Check It Before You Repeat It?
UnderwritingUpdated Nov 1, 2026 — added the free loss cost vintage quick card, vintage check pack, and version…
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Oct 30, 2026
Two Carriers’ Assistants, Two Different Numbers: How Do You Reconcile Them in Front of the Client?
UnderwritingUpdated Nov 1, 2026 — added the free two-numbers quick card, two-carrier reconciliation pack, and reconcile-it bot book…
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Oct 30, 2026
What Changes When Crop Insurance Is Priced Field by Field Instead of by County?
UnderwritingField-Level Crop Insurance Downloads Prepare Your Ag Clients for Field-by-Field Pricing Ahead of Spring 2027 Field-ready quick cards,…
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Oct 30, 2026
Why Are New York and New Jersey Losing Flood Policies While Flood Awareness Rises?
Property InsuranceUpdated Nov 1, 2026 — added the free flood renewal quick card, NY-NJ flood renewal defense pack, and…
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Oct 30, 2026
Can AI Catch the Proposal Errors That Turn Into E&O Claims?
Commercial InsuranceThe short answer That’s the claim Johnson Kendall Johnson is making about its Outmarket rollout, and the proposal…
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Oct 28, 2026
Who Signs When the Software Gets It Wrong?
Insurance IndustryZywave’s new Broker of the Future study says AI is set to unlock more than $100 billion a…
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Oct 28, 2026
The Renewal Paperwork Nobody Reads Just Raised $30 Million
Commercial InsuranceDek: Avante’s AI agents compare vendor contracts with actual claims, read plan documents for errors, and prepare for…
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Oct 28, 2026
Property Is Cooling. Umbrella Is Not. What the Q3 Ivans Index Means for Your Next Renewal
Commercial InsuranceThe Ivans Index for Q3 2026 is out, and for once the headline is friendly: renewal increases eased…
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Oct 27, 2026
Where Contractors Have Room at Renewal — and Where They Don’t
Commercial InsuranceJohn Hubbard, CRIS, is a producer at USI Insurance Services in Irvine, California, specializing in contractor insurance. His…
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Oct 26, 2026
What Is Brown & Brown COMPASS? The Broker AI Ecosystem, Explained
Commercial InsuranceBrown & Brown's COMPASS puts the brokerage's data, analytics and AI around the insurance buying decision itself. What…
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Oct 26, 2026
Your Client’s Roof Now Has a Score
Property InsuranceDonegal's October 2026 ZestyAI expansion is one entry in a year of carriers scoring homes from the air.…
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Oct 24, 2026
Third-Party Liability Insurance: What the Term Actually Means
Commercial InsuranceFirst party is you, second is the insurer, third is everyone else. Third-party liability defined precisely, separated from…
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Oct 24, 2026
Media Liability Insurance: The Coverage for What You Publish
Insurance IndustryMedia liability covers defamation, privacy, and infringement — the claims that arrive because something was published. Why the…
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Oct 24, 2026
Bar Insurance: Liquor Liability, Assault and Battery, and the Rest of the Stack
Commercial InsuranceBar insurance is a stack built around the drink and the fight: dram shop liquor liability, the assault-and-battery…
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Oct 23, 2026
Event Liability Insurance: The Policy the Venue Makes You Buy
Commercial InsuranceEvent liability covers the day: attendee injuries, venue damage, and the certificate every venue contract demands. What it…
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Oct 23, 2026
Types of Insurance Policies: The Map Every Business Buyer Needs
Commercial InsuranceEvery business policy answers one of five questions. The types of insurance policies mapped by territory — property,…
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Oct 23, 2026
Commercial Auto Insurance: Symbols, Hired and Non-Owned, and What Moves the Price
Commercial InsuranceCommercial auto is a grid of symbols most buyers never read. What Symbols 1, 2, 7, 8, and…
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Oct 23, 2026
PIP Insurance: What Personal Injury Protection Actually Pays
Commercial InsurancePIP pays your own medical bills and lost wages after a crash, regardless of fault. The four benefit…
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Oct 23, 2026
Cyber Insurance Evaluation for Mid-Market Companies: The Essential Questions
Commercial InsuranceMid-market cyber policies diverge where claims live: sublimits, conditions, and panels. The evaluation checklist — three loss scenarios…
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Oct 23, 2026
What a Cyber Insurance Claim Actually Looks Like, Step by Step
Commercial InsuranceA cyber claim begins with a phone call, not a form. Hour one notice and panel rules, the…
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Oct 23, 2026
Financial Lines Insurance: The Family That Insures Decisions
Commercial InsuranceFinancial lines is the collective name for D&O, professional liability, EPLI, fiduciary, crime, and cyber. The family members,…
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Oct 23, 2026
Directors and Officers Insurance: What Happens to Board Members Without It
Commercial InsuranceD&O exists because the job title is a liability. The personal exposure directors carry when indemnification fails, the…
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Oct 23, 2026
Product Liability Insurance: When What You Sold Hurts Someone
Commercial InsuranceProduct liability pays when what you sold hurts someone. Strict liability, the three defect families, everyone the chain…
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Oct 23, 2026
Risk Management Training: Where Professionals Actually Learn This
Insurance IndustryRisk training means two things: professionals learning the discipline, and risk managers training everyone else not to create…
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Oct 23, 2026
What Does a Risk Manager Actually Do?
Insurance IndustryThe title hides four different jobs — corporate, public entity, carrier loss control, broker-side advisor. What risk managers…
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Oct 23, 2026
Risk Management Certification: Which Credential Is Actually Worth Getting?
Insurance IndustryAsk a search engine how to get certified in risk management and you will get a pile of…
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Oct 23, 2026
What Changes for Brokers When a Carrier Builds Its Quote Flow for an AI Agent?
Commercial InsuranceOn October 23, 2026, Kin Insurance announced it had enabled WebMCP in its digital quoting experience — making…
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Oct 23, 2026
Your Client Gets 10% Back From FM. What Should They Spend It On?
Commercial InsuranceFM will return an estimated $855 million through its 2027 resilience credit — a 10% premium offset for…
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Oct 23, 2026
Your Clients Rank Cyber First. Do They Know What It Pays For?
Commercial InsuranceCFC's first global SME study: nearly half rank cyber their biggest risk, yet only 28% recognise human error…
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Oct 23, 2026
Underwriting Income Up 124% on Shrinking Premium: What Selective’s Q3 Tells Brokers
Commercial InsuranceSelective's Q3 2026: underwriting income up 124% to $29.5M and the combined ratio improved to 96.8% while premium…
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Oct 23, 2026
The Risk Stack on a $430 Million Hospital Build
Commercial InsuranceA 20-year, $430M+ hospital expansion on an operating campus concentrates construction risk's four hardest problems: duration, patient occupancy,…
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Oct 23, 2026
Moody’s Will Price Casualty Forward. What Should a Broker Ask Clients Now?
Commercial InsuranceMoody's Casualty Risk Intelligence Group — AXA XL, Convex, Marsh, RenaissanceRe, Tokio Marine, Travelers — will price casualty…
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Oct 23, 2026
Where Do Executive-Risk Placements Go When a Program Closes?
Commercial InsuranceAegis General's Executive Risks Division stops writing new and renewal business November 1, 2026. What happens to in-force…
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Oct 22, 2026
What Should a Broker Check About a Client’s Cyber Policy Before a Precautionary Shutdown?
Commercial InsuranceUpdated Oct 31, 2026 — added the free pre-shutdown four-check quick card, broker check pack, and cyber shutdown…
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Oct 22, 2026
Hurricane Polo vs. Mexico’s $175M Pacific Cat Bond: The Near-Miss, and the Layer Mexico Added Next
CatastrophePolo threatened Mexico's USD 175M Pacific parametric cat bond in September 2026, then struck Baja at 965 mb…
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Oct 22, 2026
What Should a Broker Recheck Mid-Term When Replacement Costs Have Moved?
Commercial InsuranceWhen replacement costs move mid-term, insured values go stale. A broker's recheck list: statement of values, business interruption,…
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Oct 22, 2026
What Should a Broker Ask a Board Before a Cyber or D&O Placement?
Commercial InsuranceSeven in ten organizations now formally include cyber risk in their board-level enterprise risk framework, according to Willis’s…
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Oct 21, 2026
How Does a Parametric Cat Bond Decide to Pay?
Catastrophe ModelingA parametric cat bond pays on a measurement, not a loss. Hannover Re's $450M Acorn Re deal for…
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Oct 21, 2026
What Covers a Data Center Build When the Government Stops It — and Nothing Is Damaged?
Commercial InsuranceA government moratorium stops a data center build with no physical damage — and the standard tower does…
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Oct 21, 2026
Your Client Wants to Insure Part of Its Carbon Buffer Pool. What Do You Check Before You Place It?
Commercial InsuranceA reforestation developer client has a new option this week, and it will arrive in brokers’ inboxes as…
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Oct 21, 2026
What Changes for Brokers Now That EC-Council Owns the Cyber Insurance Academy?
Commercial InsuranceEC-Council — the organization behind the Certified Ethical Hacker credential — announced on October 21 that it has…
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Oct 21, 2026
What Does a Roll-Up Actually Gain When It Buys a Specialist Book?
Commercial InsuranceKing Risk Partners has acquired two Florida agencies most brokers have never heard of, and the pair says…
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Oct 21, 2026
If Your Client’s Cloud Provider Goes Down, Does Their Cyber Policy Respond?
Commercial InsuranceUpdated Nov 2, 2026 — added the free vendor outage quick card, 5-check renewal pack, and vendor outage…
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Oct 20, 2026
A Competitor Put Its Broker Fee in Writing. What Do You Tell Your Client?
Commercial InsuranceThe short answer: A venture-funded brokerage called Delegance announced on October 20, 2026 that it charges a flat,…
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Oct 20, 2026
What Do You Check at Renewal When the Outage That Stops Your Client Happens at Their Vendor?
Commercial InsuranceYour client’s systems were never breached, never misconfigured, never touched — and the business still stopped anyway, because…
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Oct 20, 2026
What Do You Do When a Client Calls Insurance Strategic — and Still Buys on Price?
Commercial InsuranceIn WBN’s New Risk Reality Report, 49% of US business leaders say commercial insurance is a strategic investment…
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Oct 20, 2026
Your Client’s Renewal Came in Almost Flat. What Do You Tell Them?
Commercial InsuranceTravelers reported its third-quarter results on October 16, and the number that will travel fastest is a small…
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Oct 20, 2026
What Do You Tell a Client When the Claims Shop Says It’s Four Times Faster?
Claims ManagementOn October 19, a company called Mandl launched with a promise to rebuild the full engine of commercial…
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Oct 20, 2026
What Do You Depend On? A One-Page Dependency Check for Brokers
Commercial InsuranceAsk a business owner what a flood would do to their building and you will get a detailed…
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Oct 19, 2026
SB 253’s Paper Trail: How a Missed November 10 Filing Becomes a Liability Problem
Climate RiskOn November 10, 2026, every U.S. company with more than $1 billion in revenue that does business in…
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Oct 19, 2026
The Price List Behind Your Settlement Just Moved: What Verisk’s October Update Does to Claims
Claims ManagementEvery property claim settlement is built on a price list, and that list just moved. Verisk’s October 2026…
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Oct 19, 2026
Three Ledgers for One Storm: The Isaias Client Meeting
Claims ManagementVerisk says $1–2 billion, KCC about $3 billion, Moody's $2.5–4.5 billion for Hurricane Isaias — three ledgers, not…
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Oct 19, 2026
The AI Seat in Your Office Defaults to Training on the Submission
Claims ManagementMuse Code subscriptions default to Contributor mode: Meta may train on the prompts, code, files, and context a…
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Oct 19, 2026
The Cyber Question Now Arrives Inside the Package
Property InsuranceBrit has put its cyber product inside the Acturis package workflow, so the cover gets raised while the…
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Oct 19, 2026
The Emissions Filing Is an Insurance Document Now
Climate RiskOn November 10, large companies start handing CARB a signed emissions statement. Underwriters, D&O applications, and plaintiffs will…
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Oct 19, 2026
Washington’s Claims Clocks Started October 18: What Your Client Can Demand on Day One
Claims ManagementThe WAC 284-30 amendments took effect October 18. The mitigation scope now gets an answer in five business…
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Oct 19, 2026
One Provider, Thousands of Claims: The Aggregation Lesson in SIMEX26
Property InsuranceThe Bank of England just rehearsed one cloud outage disabling 38 systemic firms at once. For brokers: what…
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Oct 19, 2026
FM Now Pays on the Trigger, Not the Loss: The Broker Conversation Before a Client Signs
Property InsuranceFM's new parametric cover pays when a trigger fires, not when a loss is proven. The five things…
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Oct 19, 2026
In Seattle, Workers’ Comp Has One Door — and It Stops at the Water
RegulatoryWashington's State Fund is the only workers' comp market Seattle has — until the work touches navigable water,…
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Oct 19, 2026
TWIA Wants to Pay Carriers to Take Its Coastal Clients: The Depopulation Redesign, Read Before January
CatastropheTWIA's board voted October 8 to redesign depopulation: a per-risk bonus paid to participating carriers, and an end…
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Oct 19, 2026
New York’s Hurricane Deductible Has One Definition Now — What the February Rule Changed for Renewals
CatastropheDFS replaced more than 100 insurer-written definitions of 'hurricane' with one statewide trigger, in force for every policy…
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Oct 19, 2026
Zurich Now Owns Beazley: What Actually Changes for a Broker Placing Cyber and Property Specialty Risks?
UncategorizedZurich completed its £8.1B acquisition of Beazley on Oct 1, 2026 — its first Lloyd's platform, ~$15B combined…
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Oct 18, 2026
What Brokers Do When the AI Limit Doesn’t Exist
Insurance IndustryThe largest AI companies are willing to buy billions of dollars of insurance against what their models might…
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Oct 18, 2026
When a Carrier’s Precedent Starts Compounding
Insurance IndustryA specialty platform launched last week promises to write a firm’s underwriting judgment down once and apply it…
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Oct 18, 2026
The FAIR Plan Raises the Premium 29.1% and Cuts Your Renewal Commission to 3%. What Does a Broker Do Now?
Insurance IndustryOn October 15, 2026, the California FAIR Plan's new dwelling rates took effect on all new and renewal…
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Oct 17, 2026
Why Did Private Equity Pay $6.1 Billion for a Claims Network?
Claims ManagementGTCR and Elliott are taking CCC Intelligent Solutions private for about $6.1 billion — a 44% premium for…
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Oct 17, 2026
Washington Wants 4.9% More for Workers’ Comp in 2027 — What Should an Employer Weigh Before the October 29 Comment Deadline?
RegulatoryWashington L&I proposes a 4.9% average workers' comp rate increase for 2027. What the average hides, why L&I…
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Oct 17, 2026
How a Company Settles for $80 Million and Calls It Not Material
Commercial InsuranceOn October 16, Conduent told the SEC it had settled the consolidated class action arising from its January…
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Oct 16, 2026
What Underwriters Now See About Your Submissions
UnderwritingEvery experienced underwriter keeps a private ranking of brokers: whose submissions get opened first, whose get to them…
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Oct 16, 2026
Why Do Property Buyers Suddenly Have Room to Negotiate?
Commercial InsuranceWillis has put a number on what brokers have been feeling at renewal all year. In the fall…
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Oct 16, 2026
Who Pays When an AI Agent Makes the Mistake?
Commercial InsuranceOn October 13, a San Francisco startup named Harbor came out of stealth with $10 million in seed…
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Oct 16, 2026
The Policy Check Was the E&O Front Line. Now It’s an Agent’s Job.
Commercial InsuranceUpdated Nov 2, 2026 — added the free policy check quick card, policy check approval desk pack, and…
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Oct 16, 2026
Claims-Made vs. Occurrence Coverage: Retroactive Dates, Tail (ERP) Pricing, Hammer Clauses & Long-Term Liability
Liability CoverageEssential comparison of claims-made vs occurrence liability: retroactive date continuity, extended reporting period (ERP / tail) pricing multipliers,…
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Oct 16, 2026
Builders Risk Insurance: Course-of-Construction Coverage, Soft Costs Endorsements & Defective Workmanship Exclusions
Commercial InsuranceBuilders risk insurance guide: course-of-construction coverage, Completed Value vs. Reporting forms, LEG 1/2/3 defective workmanship, and soft costs…
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Oct 16, 2026
Captive Insurance: What a Captive Is, Who Forms One, and Who Should Not
Commercial InsuranceProgram Design Downloads Captive Insurance Toolkit: Quick Card, Readiness Pack & AI Copilot Scale-threshold checks, predictable-frequency risk slicing…
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Oct 16, 2026
Professional Indemnity Insurance: What It Is — and Why It Has More Than One Name
Commercial InsuranceWhat professional indemnity insurance is Professional indemnity insurance is the coverage that responds when a client claims your…
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Oct 16, 2026
Errors and Omissions (E&O) Insurance: Coverage Architecture, Professional Services Wording & Tech E&O Gaps
Commercial InsuranceDefinitive guide to commercial Errors and Omissions (E&O) insurance: coverage architecture, scheduled professional services wording, Tech E&O vs.…
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Oct 15, 2026
CARB’s November 10 Deadline Is Live: What SB 253 Emissions Data Means for Carriers and Brokers
Climate RiskCalifornia’s Office of Administrative Law approved CARB’s Initial Regulation on October 12, 2026. November 10 is now the…
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Oct 15, 2026
Nepal Signs a Cat Bond Mandate With the World Bank
CatastropheNepal has signed a mandate agreement with the World Bank to explore a parametric earthquake catastrophe bond —…
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Oct 15, 2026
Isaias by the Numbers: Four Estimates, Four Different Storms
Catastrophe ModelingHurricane Isaias made landfall near Destin, Florida, on October 9 as a Category 2 storm with maximum sustained…
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Oct 13, 2026
Fewer Claims, Bigger Checks: Verisk Says U.S. Property Severity Is Near Record Highs Even as Cat Event Counts Hold Steady
Catastrophe ModelingVerisk’s latest quarterly property data, read closely — fewer claims, bigger checks, and a modeled-loss benchmark at a…
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Oct 8, 2026
The Underwriting Cycle in Four Phases
UnderwritingThe insurance underwriting cycle is the industry’s recurring rhythm: hard market → transition → soft market → turn,…
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Oct 8, 2026
What Your Broker Should Be Doing for You in a Hard Market
UnderwritingIn a hard market, your broker earns their commission — or they don’t. When rates are rising, capacity…
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Oct 8, 2026
What Is a Soft Insurance Market, in Plain English?
UnderwritingA soft insurance market is a period when insurance is easy to buy and getting cheaper: premiums fall,…
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Oct 8, 2026
How January Reinsurance Renewals Set Your Commercial Premiums
ReinsuranceEvery January 1, the global insurance industry resets a huge share of its reinsurance contracts — the treaties…
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Oct 8, 2026
Why Property, Casualty, and Cyber Cycles Don’t Move Together
UnderwritingProperty, casualty, and cyber insurance all live inside the same industry, but they run on separate clocks. In…
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Oct 8, 2026
When Will the Hard Market End?
UnderwritingFor most commercial insurance lines, the hard market has already ended — rates began falling in mid-2024 and…
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Oct 8, 2026
Isaias and the Named-Storm Deductible Split
CatastropheHurricane Isaias Advisory 8 on October 8, 2026, is the first Atlantic hurricane of the season: 85 mph,…