Workers’ Compensation (WC) has always been one of the more nuanced lines in commercial insurance, but right now the market is moving in three different directions at once. The gap between carrier types is creating real friction for retail agents and their clients. The...
Claims are not happening more often, but when they do, they are costing a lot more. The latest research puts a number on it, reporting that total workers’ compensation (WC) claim costs grew 6% per year from 2022 to 2025. That is a major structural shift, and...
It’s not unusual to approach property placement decisions as a capacity problem. Maybe you’ve asked yourself: can this be written from the ground up, or does it need to be layered? That question still matters, but not because the market is hard or soft. Coverage...
What Agents Need to Know Most agents know which states require physical mail for workers' compensation notices, but far fewer have asked what happens when the mail is delayed. According to the USPS's 2025 financial results, the agency posted a $9 billion net loss in...
June 1 is coming. Are your clients' policies ready? Things look calmer than last year, but calmer doesn't mean protected. Just one storm making landfall can expose every gap in a policy. Here's how the 2026 season is trending, what it means for your book, and how to...
How to protect your book from E&O pitfalls In the current construction market, an Exterior Insulation and Finishing System (EIFS) Installer/Contractor risk is not the automatic decline it once was. That’s good news, right? Unfortunately, there’s bad news, too. The...
Jencap Group LLC (Jencap), one of the nation’s largest wholesalers, is pleased to announce that Kevin Hahn, Jr. has been promoted to Executive Vice President, National Casualty. In this new role, Hahn will support our leaders with the management of our national...
Why transportation underwriting now lives or dies on data coordination. Every transportation account has a story. It’s in the fleet’s daily operations, the driver management, and the grit of day-to-day risk control. That narrative still carries weight, but the way...
What agents need to know about insuring SMRs, hydrogen, and other fast-moving environmental risks Whether it’s hydrogen fuel systems or small modular reactors (SMRs), clients across energy, infrastructure, and manufacturing are moving fast to find new ways to generate...
In commercial auto insurance, costs are up, capacity is tight, and rates are rising. But that surface-level read misses the nuance agents are seeing in the trenches. Underwriting has shifted from broad caution to targeted scrutiny. While carriers aren’t completely...
Nuances That Signal It’s Time for a Specialized Energy Partner The birds are chirping as the sun slowly rises above the city. With coffees in hand, the crew is ready and the equipment is on site. Just minutes away from starting the day, someone reviews the...
How to structure cannabis coverage before retail sales begin and risks start compounding When a state legalizes cannabis, it’s easy for clients to focus on the opportunity: new markets, first-mover advantage, rapid growth. But from an insurance standpoint, the...
As storms grow more unpredictable, the insurance industry is reassessing how we analyze and underwrite property risks.
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