insurance
September 22, 2026
The Limits of Indemnification Clauses
An indemnification clause is a provision in a construction contract that transfers risk to a specific party, namely the project owner, general contractor (GC) or subcontractor. Ultimately, it requires them to cover either a portion or the entirety of losses and damages caused by another party, as well as associated legal defense costs. Also known...
August 19, 2026
Addressing 4 Common Sources of Commercial Property Insurance Claims
Commercial property insurance claims can arise from numerous unexpected events. An electrical fire may destroy critical equipment; a severe storm may hit without warning, damaging a building’s exterior and allowing water to enter the property; or an act of vandalism may damage fixtures, resulting in significant repair expenses. These and other incidents can cause substantial...
July 21, 2026
Understanding Commercial Insurance Sublimits
Most business owners know their policy’s overall limit, the maximum amount an insurer will pay for a covered loss. Fewer understand that many of those same policies contain sublimits, smaller caps buried inside the broader coverage that apply to specific types of losses. A business can carry a $2 million property policy and still discover,...
July 2, 2026
General Liability Insurance 2026 Midyear Market Outlook
At year-end 2025, the 2026 price prediction for general liability stood at +1% to +6%. Pricing data through the first half of 2026 suggests rates are tracking toward the upper end of that range, with industry sources indicating renewal rate changes in the 5% to 8% range for many accounts. However, certain sectors, such as...
June 12, 2026
7 Ways to Maximize Your Benefits This Summer
Amid the activity and busy schedules of summer, it’s important to make time to review your benefits for the second half of the year. Whether you’re making healthcare contingency plans for summer travel or just looking to get more value from your coverage, this article provides seven tips to help you make the most of...
May 7, 2026
What Every Business Owner Should Review Before Their Insurance Renewal
Businesses rarely remain static. Signing new contracts, operating from different locations or adopting alternative methods of working are just some of the ways a company’s risk profile can change. Consequently, coverage that was once appropriate may fall behind as risks evolve, especially amid broader market shifts, such as technological advancements or regulatory changes. If coverage...
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...
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...
February 17, 2026
Addressing 5 Common Sources of General Liability Claims
Several scenarios that businesses encounter in routine operations may expose them to litigation and general liability claims. A customer walking through a business could slip on a wet floor, or a piece of equipment could fall and damage a customer’s personal belongings. These and other incidents may lead to liability claims, disrupting operations and placing...
February 3, 2026
Best Practices for Responding to General Liability Claims
Unforeseen incidents can occur in everyday business operations, exposing organizations to potential liability. A customer may slip on a wet floor, or a contractor may accidentally damage a client’s property. Just one general liability claim can disrupt business operations, create financial strain and affect future insurance costs. The financial and organizational impacts of these incidents...