Property and Casualty
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...
December 11, 2025
Winter Weather Liabilities
The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a winter wonderland for some, as a property manager, snow and ice buildup means a hazard with the potential for costly liability. If...
December 4, 2025
California Employment Laws Effective Jan. 1, 2026
California enacted new or amended existing state labor and employment laws throughout 2025. This Legal Update provides an overview of these new or amended laws, almost all of which take effect on Jan. 1, 2026. Specific labor and employment updates include the following topics: Pay Transparency (SB 642) California amended its pay transparency law to...
November 23, 2025
Employer Responsibilities in Winter Weather
Winter weather presents a host of difficulties for employers. Specifically, there are various workplace safety concerns and OSHA requirements to consider. It’s essential to be prepared for all scenarios associated with inclement weather before it arrives and ensure that employees are properly informed of all relevant policies and procedures. Preventing Cold Stress Working in extreme...
October 30, 2025
Preventing and Addressing MIC in Fire Sprinkler Systems
Fire sprinkler systems are a frontline defense against fire-related risks and are critical in protecting people and property. To help ensure these systems are operational, it is essential to be aware of threats that can damage them. One threat, microbiologically influenced corrosion (MIC), is significant but often overlooked. Over time, MIC can compromise the integrity...
October 28, 2025
OSHA Releases Top 10 Violations for 2025
OSHA recently announced its top 10 most frequently cited standards during the 2025 fiscal year using preliminary data. This information is valuable for all businesses as it helps them identify common exposures that affect their workforce. It also gives them the information they need to take proactive safety measures and plan their compliance programs. For...