Central Insurance

MAY 19, 2025

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

Premium

Prof. Allan Manning

FEBRUARY 10, 2025

I recall the very first business interruption claim I did was for a risk in Toowoomba and to my horror found that the Insured had only declared 3 months insurable gross profit with a 3-month Indemnity Period. Where a client, sought to insure for less than 12 months they would offer a discount on the premium rate.

Business Interruption

Property Insurance Coverage Law

MARCH 15, 2025

Floridas homeowners have been paying ever-increasing insurance premiums, but where has all that money been going? A secret state report, which regulators conveniently left unfinished and never shared with lawmakers, might have held the answer.

Premium

Insurance Journal

JULY 18, 2025

Flood insurer Neptune Flood said recently it secured over $400 million in premium capacity and has launched in Alaska to officially become available in all 50 states. Neptune said its capacity panel now includes more than 30 insurance and reinsurance …

Premium

Top Insurance Blogs

JULY 21, 2025

Switzerland is known globally for its financial stability, precision, and trust, and this extends to its insurance industry. As a competitive and well-regulated market, it’s common to have insurance companies of different sizes in Switzerland.

Insurance Companies

Insurance Journal

JANUARY 20, 2025

AP) Base rates for North Carolina homeowners’ insurance premiums will increase on average by about 15% by mid-2026 as part of a settlement reached by the state Insurance Department and the industry. The agreement announced Friday by …

Premium

Property Insurance Coverage Law

MARCH 5, 2025

A new investigation into Floridas property insurance industry is set to begin, raising significant questions about insurer profitability, financial transparency, and the true reasons behind skyrocketing premiums for policyholders.

Property Insurance

Insurance Journal

JULY 20, 2025

If wind mitigation and stronger homes are the path to reducing insurance claims and bringing down insurance premiums in hurricane-prone areas, as a growing number of industry experts believe, then homeowners, builders and insurers may want to take a look …

Premium

Insurance Journal

MAY 29, 2025

California’s property insurance market remains in turmoil, exacerbated by escalating wildfire risks, insurer withdrawals, and systemic shortcomings in the state’s safety netthe California FAIR Plan.

Property Insurance

Insurance Journal

JULY 6, 2025

A report submitted to the Washington State Legislature examines the state of the liability insurance market for adult family homes in Washington, finding the market to be largely sustainable—but it does provide suggestions for increasing the appeal of AFHs to …

Liability Insurance

Insurance Journal

JULY 20, 2025

billion, or 108% percent of earned premium, a report shows. The Workers’ Compensation Insurance Rating Bureau of California released the 2024 California Workers’ Compensation Losses and … Total losses and expenses in California’s workers’ compensation system incurred in 2024 were $16.7

Workers Comp

Insurance Journal

JUNE 12, 2025

With urging from a coalition of for-hire vehicle drivers and companies including Uber, the New York City Council voted to lower a for-hire vehicles’ insurance requirement in hopes of lowering premiums and disincentivizing fraud. The lawmakers voted 50-0 (with one …

Premium

Top Insurance Blogs

JULY 23, 2025

Are you searching for the fastest-growing insurance companies in the United States? insurance market is one of the largest and most competitive in the world. Every year, thousands of insurers compete for market share, but only a few rise rapidly due to innovation, customer trust, and strategic growth.

Insurance Companies

Property Insurance Coverage Law

JUNE 30, 2025

In the wake of property damage, whether caused by wind, fire, or storm, policyholders rightly expect their insurance to cover the cost of restoring their home or business to its proper condition. OID Has to Step in to Remind Insurers to Do the Right Thing appeared first on Property Insurance Coverage Law Blog.

Property Damage

Insurance Journal

JULY 6, 2025

By Ezra Amacher A Michigan lawmaker has proposed legislation that would mandate auto insurance premium reductions of at least 10% on any new or renewed policy, a bill that the American Property Casualty Insurance Association (APCIA) says would destabilize the …

Auto Insurance

Insurance Journal

JULY 21, 2025

Premium renewal rates increased year-over-year for all major commercial lines, except workers’ compensation, according to second quarter 2025 results of the Ivans Index. The Chicago-based technology provider for insurance carriers, agents, and managing general agents said the average premium renewal …

Commercial

Insurance Journal

JULY 11, 2025

By segmenting retail brokers into tiers using premium volume, profitability and strategic alignment as factors to define top tiers, carriers can start to win more business, according to a new consulting firm report. The report, How Insurers Can Win More …

Broker

Insurance Journal

JUNE 15, 2025

The auto insurance market is shifting gears. Last year, the sector saw premium growth, lower retention rates and improved loss ratios, leading to a softening market and increased profitability. However, it’s a winding road, according to the 2025 annual LexisNexis …

Auto Insurance

Insurance Journal

JUNE 1, 2025

Written premiums in California stabilized in 2022 through 2024 after the large swings during the pandemic, while the combined ratio rose to the highest level in 14 years, a new report shows. The Workers’ Compensation Insurance Rating Bureau of California …

Workers Comp

Top Insurance Blogs

JUNE 1, 2025

One of the most common questions I get from clients, especially expats and young families, is: Can I pause my life insurance premium payments in Germany? appeared first on My Top Insurance Blogs.

Life Insurance

Neilson Marketing Services

JANUARY 30, 2025

The digital space is crowded, and insurance agencies are vying for attention in an industry where trust and expertise matter most. A well-crafted insurance agency website is an essential tool for building credibility, attracting potential clients, and converting leads. A one-size-fits-all approach to website content falls flat.

Insurance Agency

Insurance Journal

MARCH 19, 2025

After years of rising insurance premiums, anger from homeowners, and recent reports about some property insurance carriers’ alleged diverting of profits, bills seen as “consumer friendly” continue to gain traction in the Florida Legislature. One of those bills, Senate Bill …

Insurance Carrier

Top Insurance Blogs

JUNE 7, 2025

Australia’s financial watchdogs—the Australian Securities and Investments Commission (ASIC) and the Australian Prudential Regulation Authority (APRA) have released a joint update on the state of the life insurance industry following a major review launched in late 2022.

Life Insurance

Simply Insurance

JUNE 28, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is Term Life Insurance? How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Home Insurance

Insurance Journal

JULY 9, 2025

A former California insurance agent was sentenced to 50 months in federal prison for defrauding a lender out of $3.7 million with bogus applications for fine art insurance policies. Tonja Van Roy, 59, of Las Vegas, but who formerly operated …

Insurance Agent

Protect Commercial Insurance

APRIL 11, 2025

Navigating the world of insurance can feel overwhelming, especially when it comes to understanding commercial property insurance. This friendly guide will walk you through the essentials of commercial property insurance, helping you protect your business premises and assets with confidence. What is Commercial Property Insurance?

Commercial Property

Top Insurance Blogs

MAY 29, 2025

I have seen firsthand how powerful the SF Class, also known as the no-claims bonus class, can be in determining car insurance premiums in Germany. For German drivers and expats alike, understanding how the SF Class works is essential to keeping your insurance costs down and maximizing your financial benefits over time.

Premium

Insurance Journal

JUNE 1, 2025

By Chad Hemenway According to The Council of Insurance Agents & Brokers (CIAB) quarterly survey, commercial property/casualty premiums across all account sizes in the first quarter of 2025 rose by 4.2%–down 22% from the last three months of 2024 and …

Commercial

Simply Insurance

JUNE 16, 2025

Term Life Insurance Term Life Insurance Quotes How Much Is $150,000 In Life Insurance? How Much Is $500,000 In Life Insurance? How Much Is $1 Million In Life Insurance? Life Insurance Rates By State In Jun 2025! How Much Is A $100,000 Life Insurance Policy? How Does Landlord Insurance Work?

Deductible

Triple-I: Homeowners Insurance

JUNE 11, 2025

Rising natural disaster costs, increased home repair expenses, and legal system challenges have made homeowners’ insurance significantly less affordable across the United States over the past two decades, according to new research from the Insurance Research Council. percent of their household income on insurance coverage.

Insurance

Simply Insurance

JULY 25, 2025

Discover the cost of a $770,000 no exam term life insurance policy. This article breaks down factors affecting premiums, compares options, and provides insights to help you make an informed decision about your life insurance needs.

Life Insurance

Protect Commercial Insurance

JUNE 6, 2025

Introduction When it comes to safeguarding your UK small business, one crucial aspect is often overlooked: commercial property insurance. Just like you wouldn’t drive without car insurance, your business premises need protection too. Let’s delve into why this insurance is vital for sound risk management and peace of mind.

Commercial Property

AMAXX

MARCH 24, 2025

When an employer receives a revised workers’ compensation premium bill, the accuracy of the bill can be uncertain and confusing. To ensure fairness and correctness, an independent premium audit is highly recommended. Payroll Information A critical step in any premium audit is the review of an employer’s payroll.

Workers Comp

RiskQuoter

MAY 7, 2025

Most life insurance benefits are tax-freebut some ownership setups, dividends, and estate planning mistakes can trigger taxes. The post Is Life Insurance Taxable? 2025 Guide to Proceeds, Premiums, Dividends & Estate Planning appeared first on RiskQuoter.com. Heres what to watch for.

Life Insurance

Triple-I: Homeowners Insurance

FEBRUARY 13, 2025

Insurance affordability in Georgia is dwindling as claim frequency and insurer costs soar, according to the latest issue brief from Insurance Information Institute (Triple-I), Trends and Insights: Georgia Insurance Affordability. Recently introduced state tort reform legislation may help to stabilize insurance costs.

Commercial General Liability

AMAXX

FEBRUARY 18, 2025

These rules not only influence the amount you pay in premiums but also help ensure that your company is correctly classified based on the work it performs. Misclassification can lead to costly errors, either by overpaying premiums or by facing penalties for underreporting risk. What Are Classification Rules?

Workers Compensation

Simply Insurance

JULY 25, 2025

Discover the cost of a $350,000 no exam term life insurance policy. This article breaks down factors affecting premiums, compares options, and helps you understand how to secure affordable coverage without the hassle of medical exams.

Life Insurance