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...
What solar, wind, blue hydrogen, and modular nuclear mean for client risk, liability, and coverage conversations. For a long time, the narrative around renewable energy insurance was simple: more investment, more projects, more adoption. It was a straight line...
In this special edition of Flip the Cap, Kathryn Smith sits down with Jencap CEO, John Jennings, to celebrate Jencap’s 10th anniversary and reflect on the journey from startup to industry leader. Jennings shares how Jencap was built to solve a clear market need, why...
What Agents Should Watch For Usually, by the time a client calls their agent, the boat is already bought, the financing is set, and the owner expects a policy that simply reflects the purchase price. However, experienced agents like you know that marine policies...
What the Department of Defense’s New Guidance Means for Risk and Insurance On February 20, 2026, the U.S. Department of Defense released updated interim guidance that could reshape how PFAS-containing waste is destroyed in the United States. The change lifts the...
For most of the past decade, technologies like autonomous trucks, AI-powered logistics platforms, and predictive maintenance lived largely in pilot programs and industry demonstrations. But it’s no longer a “what if.” Autonomous freight routes are now operating on...
It’s a common misconception that personal lines insurance is a commodity product. After all, practically everyone offers homeowners, auto, and umbrella coverage. It’s easy for the typical consumer to assume that if the coverage names are the same, the protection is...
Navigating Underwriting Signals in Flood Insurance When a property is flagged in a FEMA flood zone, the immediate question from a client is usually, “Is coverage required?” But for a strategic agent like you, the more important question is, “How will this...
If your book includes Florida commercial property, the name Citizens Property Insurance Corporation is likely a daily fixture in your office. Whether you’ve used it as a safety net when admitted capacity evaporated or lost a hard-fought wind risk to its pricing,...
Why Modeling, Mitigation, and Market Leadership Matter More Than Ever For years, wildfire underwriting was a game of simple math. A property was assigned a number, and that score alone dictated capacity, pricing, or an outright eligibility. It felt technical and...
As storms grow more unpredictable, the insurance industry is reassessing how we analyze and underwrite property risks.
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