The Case for Third-Party Employment Practices Liability Insurance

Business Insurance, Small Business Insurance

For many businesses, employment practices liability insurance (EPLI) is understood primarily as a safeguard against claims brought by employees—allegations of wrongful termination, workplace harassment or discriminatory treatment. While this first-party coverage is essential, it addresses only one dimension of a broader exposure landscape for employment matters. Businesses are increasingly facing claims not from their own…

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5 Common Insurance Mistakes Small Businesses Make (and How You Can Avoid Them!)

Business Insurance, Small Business Insurance

For small business owners, insurance is often treated as an afterthought—a box to check during the early stages of operations and rarely revisited. This mindset, while understandable given the many competing priorities of running a business, can leave companies with significant financial and legal risks. The reality is that an inadequate or poorly structured insurance…

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Do Gig Workers Need Insurance?

Home Insurance, Personal Protection, Small Business Insurance, Uncategorized

Many people earn income through flexible, project-based work. Insurance may not be the first thing a gig worker considers, but it can make a significant difference when unexpected events threaten financial stability. What Counts as Gig Work? Gig work is short-term or contract-based jobs where the worker is not a traditional employee. Gig workers can…

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CVSA Announces 2026 International Roadcheck Focus

Transportation

The Commercial Vehicle Safety Alliance (CVSA) recently announced that this year’s International Roadcheck is scheduled for May 12-14, 2026. The International Roadcheck is an annual, three-day enforcement initiative that emphasizes the importance of commercial motor vehicle (CMV) and driver safety through a blitz of high-visibility roadside inspections across North America. During the event, enforcement officials…

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Trucking Industry Trends to Watch

Uncategorized

The trucking industry remains essential to the U.S. economy, but employers face increasing risk as we continue through 2026. Litigation, cargo theft, data-driven underwriting and workforce shortages are affecting insurance availability, costs and operational resilience. Proactive planning can help employers mitigate these risks. Litigation Risk and Insurance Pressure Nuclear verdicts are straining the commercial auto…

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General Liability Insurance Market Outlook – Spring 2026

Business Insurance, Small Business Insurance

Trends in Commercial Liability Insurance As we move through 2026, insurers remain focused on underwriting discipline, risk selection, and profitability. Primary general liability pricing has generally stabilized, with renewal outcomes varying based on class of business, loss history, and overall risk management practices. However, excess liability remains the most challenged segment, with capacity constraints persisting…

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Commercial Property Insurance Market Outlook – Spring 2026

Business Insurance, Small Business Insurance

Trends in Commercial Property Insurance As we move further into 2026, coastal property owners are continuing to experience a long‑awaited recalibration of the insurance market. Following several years of disruption driven by catastrophic losses, inflation, and valuation pressures, conditions continue to stabilize. This shift has translated into improved participation, increased capacity, more competitive pricing, and,…

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