Sat.May 17, 2025 - Fri.May 23, 2025

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Understanding and Preparing for a Premium Audit

Central Insurance

Many commercial insurance policies require a premium audit at the end of the term to match your coverage with actual business activity. Here's what to expectand how to make the process go smoothly. The post Understanding and Preparing for a Premium Audit appeared first on Central Insurance Blog.

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Missouri DCI Estimates High Uninsured Rates in St. Louis Amidst Tornado Recovery

Insurance Journal

The Missouri Department of Commerce and Insurance released preliminary uninsured estimates for properties in the St. Louis in response to the F3 tornado that struck the region on Friday, May 16.

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Noncompliance With Policy’s “Duties After Loss” Provision Leads to Denial of Fire Loss Claim

The Property Insurance Law Observer

In Caribe D. Billie v. Plymouth Rock Assurance Corp. et al , the U.S. District Court for the District of Connecticut granted Plymouth Rock Assurance Corp.s (Insurer) motion for summary judgment, holding that the Insurer was prejudiced by its insureds failure to cooperate with the Policys Duties After Loss provision. Background Caribe D. Billie (Plaintiff) purchased a house in Waterbury, Connecticut, and obtained homeowners insurance through the Insurer.

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NCCI AIS 2025: Key Insights on Workers Comp

Triple-I: Workers Compensation

William Nibbelin, Senior Research Actuary, Triple-I Economic uncertainty, industry-specific trends, and evolving risks were the focus of the NCCI Annual Insights Symposium (AIS) 2025 a key event for the workers compensation industry. In her introduction, Tracy Ryan, NCCI president and CEO, highlighted the importance of data in improving worker safety and outcomes in the face of economic uncertainty, workforce changes, and technological advancements.

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Leverage Trellis Court Data To Identify More Investment Opportunities

Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.

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Business Owner’s Policy for Restaurants

Distinguished

Restaurant owners face a complex set of risks that can disrupt operations and threaten profitability. From kitchen fires and equipment breakdowns to liability claims and utility outages, restaurants operate in an environment where a single incident can lead to costly interruptions or legal exposure. To stay resilient, restaurant owners need insurance that helps them recover quickly and mitigate financial losses when something goes wrong.

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Triple-I Brief Highlights Wildfire Risk Complexity

Triple-I: Homeowners Insurance

Wildfire risk is strongly conditioned by geographic considerations that vary widely among and within states. The latest Triple-I Issues Brief shows how that fact played out in 2024 and early this year and discusses the importance of granular local data for underwriting and pricing insurance in wildfire-prone areas, as well as for much-needed investment in resilience.

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New-to-Medicare Marketing Playbook

PSM Brokerage

Rethink Your New-to-Medicare Marketing Strategy As a new wave of consumers approaches age 65, their expectations and decision-making habits are changing. These Trailing Boomers are digitally connected, financially diverse, and looking for personalized guidancenot a generic sales pitch. If you're still using outdated tactics to reach this audience, its time to evolve.

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The Grand Bargain: How Workers’ Comp Became a Win-Win for Employers and Employees

AMAXX

The workers compensation system may feel like a complex web of insurance premiums, claims adjusters, and legal disputesbut at its core, its rooted in one simple idea: a compromise. That compromise, known as the Grand Bargain , created a win-win framework for employers and employees alike, forming the foundation of the workers comp system we rely on today.

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Blog Post: How To Measure Partner Performance With 15 Metrics

LexisNexis

Lets look at how to measure partner performance in a human, subjective way with 15 metrics. Typically, data and analytics contribute to how to measure partner performance, but this blog post looks at a subjective perspective, mostly with an emotional quotient. Taken as a whole, a ranking profile of partner performance can be assessed and documented in a robust enterprise legal management platform that tracks how law firm partners engage with in-house legal teams.

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Take the Hassle Out of Claims Management

Insurance professionals use Trellis to streamline claims management by analyzing legal trends, predicting outcomes, and strategizing effectively to serve clients better. Adjusters can evaluate claim validity, estimate settlement amounts, and identify potential litigation risks. Trellis' extensive State Trial Court Data can be leveraged to identify opposing/outside counsel and top mediators for insurance matters, evaluate the risk of new claims by viewing similar claim litigation history, and mor

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Word & Brown Services Empower Independent Brokers

Word & Brown

Did you know? You can relieve yourself of many administrative, back-end tasks related to quoting and enrolling Small Group and Large Group Health and Ancillary Insurance. Partnering with a general agency like Word & Brown (W&B) can help. You maintain your independence, but you get added support and services that allow you to work more efficiently, attract new customers, and keep current customers coming back year after year.

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Dangerous-Dog Owners in Florida Must Now Get $100,000 in Liability Insurance

Insurance Journal

Owners of dangerous dogs in Florida will soon have to secure at least $100,000 in liability insurance coverage after the governor signed House Bill 593 into law this week.

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What Artificial Intelligence in Cyber Security Means for Brokers

ProWriters

The Cyber Insurance market is bracing for a massive shift, and artificial intelligence is at the center of it all. On one hand, AI is supercharging cyber threats, making attacks faster, more sophisticated, and harder to detect. On the other hand, its becoming a powerful tool for insurers, helping to assess risk, detect fraud, and streamline claims. So, where does this leave Cyber Insurance brokers?

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Blog Post: States Look to Tax Social Media

LexisNexis

A nightmare may be coming to life for social media companies in Minnesota. There, Democrats in the state Legislature have embraced a pioneering bill, SB 3197 , which seeks to levy the nations first tax on social media apps. The bill would require social media companies to pay the state a monthly fee, depending on the number of Minnesotans who use their platforms.

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How to Choose the Right FMO Partner

PSM Brokerage

Not all FMOs are built the sameand as an independent agent, your choice of partner can make or break your long-term growth. From contracts and commissions to marketing support and tech tools, aligning with the right FMO means having a true partner invested in your successnot just a middleman. At PSM Brokerage, we created a practical FMO Vetting Checklist to help you make that decision with clarity and confidence.

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AIG Settles Lawsuit Against E&S Rival Dellwood and Former Employees

Insurance Journal

Global insurer American International Group (AIG) has reached an out of court settlement of its legal dispute with the excess and surplus insurance firm Dellwood that was started by former AIG executives.

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How to Cancel Your Car Insurance Policy in Germany Without Paying Extra Fees

Top Insurance Blogs

You can cancel your car insurance policy in Germany without incurring extra fees if you understand the process and adhere to the stipulated timelines. As a licensed insurance agent with over a decade of experience in Germany and a policyholder for more than 20 years, I’ve guided numerous clients through this procedure. In 2024, the […] The post How to Cancel Your Car Insurance Policy in Germany Without Paying Extra Fees appeared first on My Top Insurance Blogs.

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Blog Post: Social Media Warning Label Bills & Data Centers in Crosshairs of State Lawmakers

LexisNexis

Social Media Warning Label Legislation Catching on in States Although Congress hasnt responded to former U.S. Surgeon General Vivek Murthys call last June to take up legislation requiring social media platforms to carry warning labels indicating that social media may be harmful to the mental health of young people, state lawmakers have taken up that cause.

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How to Choose the Right FMO Partner: A Smart Agent’s Checklist

PSM Brokerage

Not all FMOs are built the sameand as an independent agent, your choice of partner can make or break your long-term growth. From contracts and commissions to marketing support and tech tools, aligning with the right FMO means having a true partner invested in your successnot just a middleman. At PSM Brokerage, we created a practical FMO Vetting Checklist to help you make that decision with clarity and confidence.

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Lessons on Ownership Proof and the Evolving Standard of Bad Faith in Arizona

Property Insurance Coverage Law

A recent decision by the Ninth Circuit Court of Appeals inAltschuler v. Chubb National Insurance Company1 reaffirms some foundational insurance principles when it comes to proof of ownership and the handling of claims for unique, high-value property. The ruling also provides insight into how Arizona courts evaluate claims of bad faith, a standard that has … The post Lessons on Ownership Proof and the Evolving Standard of Bad Faith in Arizona appeared first on Property Insurance Coverage La

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Why Communication at the Time of Injury Is a Game Changer

AMAXX

In the high-stakes world of workers compensation, the moments following a workplace injury can define the entire outcome of a claim. While most employers are focused on forms, medical referrals, and incident reports, one often-overlooked factor can drastically shift the direction of the case communication. Specifically, how a supervisor or employer responds to the injured worker at the moment of injury sets the tone for everything that follows.

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What Type of Insurance Do Small Business Owners Need in Germany?

Top Insurance Blogs

Over the years of working as a licensed insurance agent, Ive seen firsthand how vital the right insurance can be for small business owners in Germany. In a country where regulation and financial security go hand in hand, insurance is more than just a requirement. In fact, its a smart safeguard for entrepreneurs looking to […] The post What Type of Insurance Do Small Business Owners Need in Germany?

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Blog Post: OR Lawmakers Look to Curb Age Discrimination

LexisNexis

OR Lawmakers Pass Age Discrimination Bill Oregons legislature passed a bill ( HB 3187 ) that would prohibit an employer from requesting an applicants age, date of birth or date of graduation before conducting an initial interview or making a conditional offer of employment. The measure, which is supported by some of the states largest unions, including the Oregon Nurses Association, now goes to Gov.

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Lessons on Ownership Proof and the Evolving Standard of Bad Faith in Arizona

Property Insurance Coverage Law

A recent decision by the Ninth Circuit Court of Appeals inAltschuler v. Chubb National Insurance Company1 reaffirms some foundational insurance principles when it comes to proof of ownership and the handling of claims for unique, high-value property. The ruling also provides insight into how Arizona courts evaluate claims of bad faith, a standard that has … The post Lessons on Ownership Proof and the Evolving Standard of Bad Faith in Arizona appeared first on Property Insurance Coverage La

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How to Gain a Performance Multiplier – 5 Criteria for Success

Zywave

The insurance industry is undergoing a fundamental transformation. Insurers, agents and brokers are grappling with rapidly evolving risks that are becoming increasingly complex. These waves of change include litigation, regulation, shifting causes of risk, escalating loss costs, evolving types of loss, and new causes of loss. Unfortunately, these challenges are expected to intensify.

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5 Best Car Insurance Providers in Germany for Young Drivers [2025 Update]

Top Insurance Blogs

As a licensed car insurance agent in Germany for over 10 years, and someone who has personally driven across cities, autobahns, and remote rural roads for the last two decades, I understand how confusing making the right choice from the available insurance providers can be, especially for young drivers. In 2025, were seeing more flexible […] The post 5 Best Car Insurance Providers in Germany for Young Drivers [2025 Update] appeared first on My Top Insurance Blogs.

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Blog Post: Healthcare Bills Approved in WI, PBM Regulations Passed in IA & More

LexisNexis

WI Assembly Passes Multiple Healthcare Bills Wisconsins Assembly passed multiple healthcare-related bills with broad bipartisan support. One ( AB 43 ) would allow pharmacists to prescribe birth control to those 18 and older. It now moves to the Senate. Another measure approved by the Assembly ( SB 4 ) would exempt direct primary care, where patients pay monthly or annual fees to access primary care services, from the states insurance laws.

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Are Supplemental Flood Claims Subject to the Original One-Year Statute of Limitations?

Property Insurance Coverage Law

A recent federal court decision last week inRosario v. Occidental Fire and Casualty Company of North Carolina 1has reignited an important and often misunderstood question regarding supplemental claims. Are supplemental flood claims under the National Flood Insurance Program subject to the same one-year statute of limitations as the original claim? The ruling highlights the rigid … The post Are Supplemental Flood Claims Subject to the Original One-Year Statute of Limitations?

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2025 Atlantic Hurricane Season Predictions: What Homeowners Need to Know

TGS

TGS Insurance Blog The National Oceanic and Atmospheric Administration (NOAA) has released its 2025 Atlantic hurricane season predictions , forecasting an above-normal season. For homeowners in hurricane-prone regions, understanding these predictions and preparing in advance is essential to protecting your home and family. At TGS Insurance , were committed to helping you secure the right coverage to face the season with confidence.

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How Not to Overwhelm Social Media Users: Tips for Insurance Marketers

Agency Height

Discover practical tips to avoid overwhelming users while improving your insurance marketing on social media. Learn how to engage.

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Blog Post: When Legal AI Gets It Wrong (Again!) and Why Trust Matters More Than Ever

LexisNexis

By Serena Wellen, Vice President of Product Management at LexisNexis Legal and Professional May 22, 2025 A new article from Business Insider has brought yet another legal AI misstep into the spotlight. This time, counsel for a defendant in a high-profile federal case used a combination of generative AI tools, including ChatGPT and Westlaw's AI features , to assist in drafting a legal brief but the result was riddled with serious errors.

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Car Insurance for Expats in Germany: What You Need to Know Before Driving

Top Insurance Blogs

Moving to Germany as an expat is exciting. You get to enjoy well-paved autobahns, efficient public transport, and a high standard of living. But if you plan to drive here, theres one thing you cannot skip, and thats car insurance. As a licensed car insurance agent in Germany with over 10 years of experience and […] The post Car Insurance for Expats in Germany: What You Need to Know Before Driving appeared first on My Top Insurance Blogs.

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Don’t Let Protective Safeguards Become Your Policy’s Poison Pill

Property Insurance Coverage Law

A recent federal court decision reminds insurance professionals and policyholders of the practical and legal consequences of failing to comply with protective safeguards endorsements in builders risk insurance policies. 1 The Ohio ruling emphasizes that courts will strictly enforce policy conditions, especially when those conditions are clearly outlined and unambiguous.