Property and Casualty
April 2, 2026
Occurrence vs. Claims-made Policies
Commercial liability insurance is essential for businesses of all sizes and sectors. Such coverage can offer financial protection for legal defense costs and potential judgments and settlements if a business is held responsible for incidents, errors or wrongful acts that harm another party. When purchasing liability policies, however, businesses should keep in mind that not...
March 26, 2026
Participating in Safety Meetings
According to OSHA, one of the most effective ways to promote a safe working environment is to get involved in company safety meetings. These informal, brief meetings allow employees like you to stay up to date on potential workplace hazards and related mitigation measures, often addressing topics such as ergonomics, tool handling, equipment use and...
March 9, 2026
Pollution Prevention and Spill Control Strategies
Environmental incidents can lead to costly cleanup efforts that may quickly exceed the cost of basic prevention. Even small spills can threaten workplace safety, disrupt operations and damage an organization’s reputation. Moreover, repeated or poorly managed incidents may undermine stakeholder confidence and trigger regulatory scrutiny from agencies such as the Environmental Protection Agency, state environmental...
March 3, 2026
The Importance of Keeping Fire Doors Closed
When a fire breaks out in a commercial building, the first few minutes can determine the outcome. Flames and smoke can move quickly, spreading far beyond the area where the fire began. While automatic sprinkler systems and alarms play an important role, one of the most effective tools for limiting fire damage is often overlooked:...
February 24, 2026
Real Estate Industry Trends to Watch in 2026
The commercial real estate market enters 2026 with tentative stabilization and signs of modest recovery. Growing optimism in the leasing and capital markets is being driven in part by stronger-than-expected U.S. economic performance in certain sectors during 2025. Strength in multifamily, industrial and select office categories is anticipated; however, broader market pressures persist, including refinancing...
January 22, 2026
Trends Impacting the Commercial Insurance Market
In 2026, the commercial insurance market is showing signs of stabilization after years of volatility, but businesses still face a range of evolving risks that influence coverage costs. From climate-driven catastrophes and regulatory pressures to litigation trends and technology exposures, these forces are shaping underwriting practices and premium pricing across multiple lines. Article Published...
January 8, 2026
Current Market Trends and Cost Drivers in Commercial Property Insurance
Secondary Perils and Severe Convective Storms While extreme weather events have been on the rise for over a decade, secondary perils—small to midsized losses or consequent events following primary catastrophes—have become increasingly prevalent in recent years. Namely, severe convective storms (i.e., thunderstorms, hailstorms and tornadoes) have surged in frequency and severity, prompting considerable damage and...
December 23, 2025
Understanding Contractual Risk Transfer
Contractual risk transfer (CRT) involves shifting financial responsibility for specific risks from one party to another within a contract. This risk management strategy is crucial for construction employers, as it places liability on subcontractors, vendors or service providers. In this way, CRT protects employers’ margins, reduces uninsured losses and helps ensure insurance coverage for losses....
December 18, 2025
Warehouse Security Systems, Fencing, Lighting and Access Control
Warehouses hold significant quantities of high-value inventory, making them prime targets for criminal activity, including break-ins and employee theft. Busy loading docks, a steady stream of delivery vehicles and regular shift changes mean doors are frequently open, and staff are moving in and out, creating conditions that increase the risk of unauthorized access. As such,...
December 16, 2025
Best Practices for Preventing Premises Liability Claims
Any business that owns or occupies commercial property generally has a legal duty under applicable law to keep the premises in good condition and, in turn, reasonably safe for visitors. Failure to do so could pose significant premises liability concerns and related claims. Such claims, which primarily involve a third party getting injured while visiting...