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Every construction project comes with risks, which is why general contractors must be sure their subcontractors have proper insurance before work begins. Subcontractors need to show proof of coverage not only for themselves but also to protect the general contractor and the project owner. A certificate of insurance (COI) is the tool general contractors rely … Read more

California is moving closer to finalizing new rules aimed at helping homeowners protect their properties from wildfires and potentially lower their insurance costs. Insurance Commissioner Ricardo Lara is urging the Board of Forestry and Fire Protection to speed up the completion of the so-called "Zone Zero" regulations. These rules focus on creating a noncombustible buffer … Read more

A Florida staffing company is taking Chubb and its related companies to federal court, accusing the insurer of making unfair financial demands and mishandling claims after a decade of working together. Full Steam Staffing, which operates mainly in California, filed a lawsuit on October 14 in the U.S. District Court for the Central District of … Read more

A recent analysis has revealed surprising shifts in the U.S. property insurance market, highlighting rapid profit growth in smaller, specialized insurance sectors. From 2022 to 2024, some lesser-known lines of business have surged far beyond the more traditional, high-volume areas. Massachusetts saw the biggest jump, with private flood insurance profits skyrocketing by 1,221%, climbing from … Read more

Pharmacists Mutual Insurance Company has welcomed Matthew Mosher to its Board of Directors. Mosher, who used to be the President and CEO of AM Best Rating Services, brings a wealth of experience in insurance and leadership to the Iowa-based insurer. During his time at AM Best, Mosher was known for advancing insurance analytics and leading … Read more

Alliant Insurance Services has welcomed Stephanie Beach as Senior Vice President in its employee benefits division, based in Austin, Texas. Beach brings over 25 years of experience working with mid- to large-sized employers, helping them design health and welfare benefit plans that fit their unique needs. Throughout her career, Stephanie has focused on creating benefit … Read more

The Kentucky Department of Insurance has unveiled new rules for its Strengthen Kentucky Homes wind-mitigation grant program. These guidelines, based on legislation passed this year, aim to help homeowners protect their properties against stronger and more frequent storms. The program sets clear requirements for who can get the grants, how the grants will be handled, … Read more

Employment practices liability insurance (EPLI) is seeing a shift in how brokers recommend coverage for businesses as risks around employment evolve. More agents are moving away from bundled EPLI policies and turning toward standalone, or monoline, options that offer clearer limits and better protections. Allison Arnold, a professional lines broker at JenCap, explains that when … Read more

Nevada is changing how it sets its workers’ compensation payroll cap, moving away from a fixed $36,000 limit to a new system based on an annual state calculation. This shift, set to take effect in 2026, links the cap to the average wage used for workers’ compensation claims. Currently hovering around $93,000, this figure is … Read more

The US renewable energy sector is entering a new phase after rapid growth in recent years, marked by more uncertainty and challenges. The International Energy Agency has trimmed its forecast for US renewable energy growth by nearly half compared to 2024 levels. This shift is driven by timing issues with policies and limits in the … Read more