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Abuse and Molestation Coverage Limitations You Must Know
Currently, there are just a few insurance companies that offer SAM insurance in the U.S. Oftentimes, the coverage can be expensive and only provide smaller limits, such as up to $1M each occurrence / $1M annual aggregate. Due to the large number of SAM claims, your readiness to pay for SAM insurance is not enough. You must also qualify by having tools and controls in place (e.g., no one-on-one policy, no closed-door policy, background checks, a written and formal SAM incident reporting and investigation policy, and more). What you may not know is that some insurance companies also require that… Read More »Abuse and Molestation Coverage Limitations You Must Know
California Insurers Add New Fee After FAIR Plan Assessment Surcharge
After the 2025 wildfires, California insurers are adding a surcharge to property policies to recover FAIR Plan costs. Travelers will start charging 1% extra on new and renewed policies in 2026.
What is SAM Insurance? Sexual Abuse & Molestation Coverage
Discover what SAM insurance is, how it protects against abuse claims, costs, and why clear SAM coverage is essential for your organization.
New Wage Transparency Laws and Insurance. What Employers Must Know
Wage transparency laws are expanding in 2025, requiring employers to disclose pay ranges. These changes bring legal risks and insurance concerns, making proactive compliance and coverage review more important than ever.
How to Navigate Insurance Challenges for School Districts in 2025
Educational institutions face evolving risks across property, casualty and cyber liability. Learn how to school districts should be covered for casulty, property, cyber, and SAM insurance.
Earthquake Insurance Isn’t Enough: Why You Need Earth Movement Coverage
Earthquake insurance only covers ground shaking, but many disasters like mudslides and sinkholes are excluded. Learn why earth movement coverage offers broader protection and how to guide clients toward better insurance decisions.
The Future of Insurance
Insurance in 10 years will look very different from today – faster, smarter, more responsive, and more customer-centric. But these changes aren’t waiting for the future. They’re already underway. Whether you’re a carrier, a policyholder, or a business partner, now is the time to understand these shifts and adapt.
Is Your Car Spying on You? The Unseen Costs of Telematics Insurance
Telematics insurance tracks driving to offer personalized premiums, but it also raises privacy concerns, misinterprets behavior, and can increase costs. Learn the hidden downsides before installing that device.
How Telematics Turn Fleet Data Into Insurance Savings
Telematics are transforming fleet management and insurance by providing real-time data that improves safety, reduces costs, and helps insurers offer better coverage based on proven driver performance and vehicle use.