2025

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California Department of Insurance Completes Final Review of Wildfire Model

Insurance Journal

The California Department of Insurance completed a review of the state’s first wildfire catastrophe model, marking a dramatic change in the state’s property/casualty insurance ratemaking process.

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When No One’s Home: Understanding Roleof Vacancy Insurance

Triple-I: Homeowners Insurance

By Loretta L. Worters, Vice President, Media Relations, Triple-I Vacant homes often carry more risk than meets the eye. From burst pipes and property theft to liability and squatter intrusion, a home left unoccupied for an extended period is exposed to a unique set of hazards, many of which may not be covered by a standard homeowners’ insurance policy.

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A Comprehensive Guide to Understanding Commercial Property Insurance

Protect Commercial Insurance

Introduction Hello UK business owners! Navigating the world of insurance can feel overwhelming, especially when it comes to understanding commercial property insurance. But don’t worry, were here to simplify it for you. This friendly guide will walk you through the essentials of commercial property insurance, helping you protect your business premises and assets with confidence.

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10 Summer Home Maintenance Tips to Help Prevent Insurance Claims

Central Insurance

Summer is peak season for home insurance claims—from storm damage to fire risks. Use these 10 expert tips to protect your home and prevent surprises. The post 10 Summer Home Maintenance Tips to Help Prevent Insurance Claims appeared first on Central Insurance Blog.

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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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Helping Clients Navigate Marketplace Open Enrollment | Solstiuce

Solstice Insurance Broker

Annual open enrollment (AEP) is here. It's that whirlwind period when individuals and families evaluate their healthcare options. It is a task that often feels like traversing a maze. As an insurance broker, you can be the compass your clients need. You can guide them through the healthcare marketplace with expertise and a personalized touch. So, let's dive deeper and explore how you can make this journey not just manageable, but successful.

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Housing Code Violations in Philadelphia: An Interview with Katie Vespia

Distinguished

In Philadelphia, housing code violations are a major concern for property owners and insurers alike. Today, we speak with Katie Vespia, President of Distinguisheds Real Estate program , to break down the common violations in the city, the fines and penalties imposed, the resolution process, and how these issues affect insurance coverage. Could you start by describing the most common housing violations in Philadelphia that property owners and brokers should be aware of?

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Blog Post: Outside Counsel Guidelines Bolster Vendor Relationships

LexisNexis

To establish a robust partnership between your internal legal team and external legal counsel, a back-of-the-napkin understanding won't suffice. Clear outside counsel guidelines are essential to improve vendor performance and prevent misalignment on assigned work or critical matters. Essentially, outside counsel guidelines help allocate resources and billable work while reducing inefficiencies and expenses.

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Post-Sale Follow-Up Plan for Insurance Agents in 2025

Final Expense Brokerage

April 10, 2025 2:50:22 PM Contact Us Share: How to Build Lifetime Clients After Closing the Sale Selling a life insurance policy isn’t the end - it’s the beginning of a long-term client relationship. Top-performing insurance agents know that what happens after the sale often determines retention, referrals, and repeat business. Here’s a step-by-step post-sale follow-up plan designed to help insurance agents boost client satisfaction, increase referrals, and create a systemized workflow you can a

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Florida’s Insurance Regulator Buried a Completed Report That Raised Red Flags About Insurer Affiliate Profits

Property Insurance Coverage Law

Yesterdays testimony before the Florida House Insurance & Banking Subcommittee ripped the cover off a story thats been brewing for years: the Office of Insurance Regulation (OIR) under David Altmaier had a completed, paid-for, red-flag-waving report about insurer affiliate transactions showing hundreds of millions of hidden profits for the insurance industry and simply chose to … The post Florida’s Insurance Regulator Buried a Completed Report That Raised Red Flags About Insurer

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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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How to Set Employee Expectations Before an Injury Happens

AMAXX

In workers compensation, the moments before an injury ever occurs are just as important if not more so than the moments after. While much attention is given to claims handling, medical coordination, and return-to-work strategies, the foundation of a successful claim is built long before the incident takes place. That foundation is expectations and whether youve intentionally shaped them or not, every employee has them.

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Weeks Later, Erie and Philadelphia Insurance Still Working to Restore Networks

Insurance Journal

Erie Insurance reports that it has made progress in reconnecting several business systems and applications as it continues to recover from a network outage that is now 17 days old.

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5 workplace safety tips to implement this year.

Frankenmuth Insurance

Workplace safety helps protect employees, profits, and operations. Thats why it should always be top of mind. Start following these five workplace safety tips now. Develop a safety plan. A well-defined safety plan lays the foundation for a secure workplace. Start by assessing potential hazards in each department and outlining safety measures tailored to specific roles and risks.

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Renovations and Home Insurance: What You Need to Know

Boyle Agency Insurance

Whether you’re planning a small makeover or a major remodel, understanding the insurance implications can help you protect your investment. Embarking on a home renovation project is an exciting endeavor that can breathe new life into your living space and add value to your property. However, amidst the anticipation and creativity that renovations bring, it’s crucial not to overlook the impact they can have on your home insurance.

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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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The Insurance Broker’s Guide to Better Client Emails | Solstice

Solstice Insurance Broker

Email is one of the most powerful tools in an insurance broker’s toolkit. Whether you're reaching out to a new lead, reconnecting with a past contact, or nurturing a long-term client, the right message at the right time can build trust, drive engagement, and grow your business.

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Insurer’s Use of Conflicting Reports Not Bad Faith, Says Court

The Property Insurance Law Observer

In El Dueno, LLC v. Mid-Century Insurance Company (2025 WL 1540329) (10th Cir. 2025)), the Tenth Circuit Court of Appeals affirmed summary judgement on behalf of the insurer on the basis that the insurer did not act in bad faith when it denied the insured’s claim based on an engineering report that contradicted an adjuster’s initial findings. Factual Overview This insurance coverage dispute arose from alleged roof damage caused by a hailstorm.

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The Importance of Commercial Property Insurance for UK Small Businesses

Protect Commercial Insurance

Introduction When it comes to safeguarding your UK small business, one crucial aspect is often overlooked: commercial property insurance. This essential coverage acts as a safety net, protecting your investments from unexpected setbacks like theft, damage, or natural disasters. Without it, all your hard work could crumble in an instant. Just like you wouldn’t drive without car insurance, your business premises need protection too.

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What Agents Need to Know: Anthem’s Medicare Advantage D-SNP Plans Ending in Kentucky

PSM Brokerage

Anthem has announced that its Medicare Advantage Dual-Eligible Special Needs Plans (D-SNPs) in Kentucky will be discontinued as of February 28, 2025. This change will impact thousands of beneficiaries who rely on these plans for their healthcare coverage. As an insurance agent, its essential to be proactive, informed, and ready to assist affected clients in finding alternative coverage options.

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Top Prospecting Strategies for Life Insurance Agents in 2025

Final Expense Brokerage

July 22, 2025 12:23:31 PM Contact Us Share: How Successful Agents Are Finding, Connecting, and Closing More Life Insurance Leads This Year The life insurance industry has changed - and so has the way agents prospect in 2025. Cold calls, outdated scripts, and generic sales pitches are being replaced with modern, digital-first strategies that prioritize personalization, automation, and trust.

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Why Shouldn’t Insurance Executives Disclose Their Pay?

Property Insurance Coverage Law

A new bill filed in the Florida Senate by Don Gaetz is making waves by proposing that insurance companies disclose the financial relationships of their executives and related entities. The legislation would require a report detailing the compensation of executives, including salaries, stock options, bonuses, stock buybacks, and other taxable payments.

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How Lag Time Sabotages Claims—And What You Can Do About It

AMAXX

In the world of workers compensation, few factors have a more immediate and measurable impact on claim outcomes than lag time the delay between when an injury occurs and when it is reported to the carrier or third-party administrator (TPA). Its one of the simplest variables to control, yet one of the most commonly overlooked. Whether you’re an employer, broker, claims manager, or vendor, understanding the real cost of lag timeand implementing systems to reduce itcan drastically lower claim

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Brown & Brown to Acquire Risk Strategies, One80 Parent for $9.8 Billion

Insurance Journal

Brown & Brown Inc. said it has entered into an agreement to buy Accession Risk Management, the parent company of specialty brokerage firm Risk Strategies and wholesaler One80 Intermediaries, for about $9.8 billion.

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Spring Property Maintenance Checklist for Real Estate Investors

Unitas Financial Services

As the seasons change, its the perfect time for real estate investors to prepare their properties for warmer months. This quick Spring checklist covers essential maintenance tasksfrom inspecting HVAC systems and checking for winter damage to refreshing landscaping and testing smoke detectors. Stay ahead of costly repairs, keep tenants happy, and protect your property investments by tackling these must-do items this Spring.

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Trust, And Verify: Ensuring Your Insurance Coverage

Shield Insurance Agency

In today’s fast-paced world, we often rely on others to handle essential tasks, and insurance is no exception. Trusting your insurance agent is crucial, as they play a vital role in protecting your assets. However, verifying that the necessary steps have been taken to secure your coverage is equally important. Let’s delve into why this “trust, and verify” approach is essential.

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How to Market Your Insurance Agency on Social Media?

Tosten Marketing

Social media has become a game-changer for insurance agencies looking to expand their reach and connect with potential clients. At Tosten Marketing, we’ve seen firsthand how effective insurance agency social media marketing can be when done right. In this blog post, we’ll share proven strategies to help you leverage social platforms to grow your insurance business.

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Blog Post: Navigating the Insurance Maze in Mass-Tort Bankruptcies: Strategies for Success

LexisNexis

In the complex world of mass-tort bankruptcies, insurance coverage often becomes the linchpin for successful reorganization. From understanding the role of insurance in bankruptcy to navigating settlement negotiations and litigation, this expertly drafted practice note offers invaluable insights for legal professionals. Read now » Related Content Mass-Tort Bankruptcies Review this practice note for a discussion of companies that file bankruptcy to address their mass-tort liabilities.

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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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Understanding Retail Shop & Salon Insurance: A Comprehensive Guide for UK Business Owners

Protect Commercial Insurance

Introduction Hello, savvy UK business owners! Owning a retail shop or salon can be a thrilling venture, but it also comes with its fair share of risks. From unforeseen damage to potential customer mishaps, there’s a lot to consider to keep your business running smoothly. That’s where retail shop and salon insurance come into play. This guide will walk you through the essentials, helping you understand how the right commercial insurance can be your business’s best ally.

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What to Know About Insurance Roof Replacement After a Storm

Central Insurance

Get tips on handling roof damage, filing a claim, and working with a contractor you can trust. The post What to Know About Insurance Roof Replacement After a Storm appeared first on Central Insurance Blog.

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How to Gain Quality Insurance Leads Through Local Business Partnerships in 2025

Final Expense Brokerage

August 4, 2025 9:28:11 AM Contact Us Share: A smart, sustainable strategy for life, final expense & health insurance agents As an independent insurance agent, generating high-quality leads consistently is often the biggest challenge standing between you and next-level growth. While digital marketing, paid ads, and lead vendors can play a role, many experienced life and health insurance agents are shifting toward referral-based marketing - and for good reason.

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Clear Language Wins the Day: Court Rules Ambiguity Favors Policyholders

Property Insurance Coverage Law

In a recent decision that offers crucial guidance to policyholders and public adjusters about how to interpret commercial insurance contracts, the Fourth Circuit Court of Appeals sided with the policyholder, highlighting a key lesson about insurance policy interpretation: When insurance language is ambiguous, courts will interpret any ambiguity in favor of the policyholder. 1 At … The post Clear Language Wins the Day: Court Rules Ambiguity Favors Policyholders appeared first on Property In

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How a Baseline Analysis Transforms Your Workers’ Comp Program

AMAXX

If you don’t know where you are, how can you plan where to go? In workers’ compensation, this isn’t just a philosophical question—it’s the difference between a reactive, frustrating program and one that steadily improves outcomes and reduces costs. The starting point for any strategic improvement is a baseline analysis —an honest, data-driven look at how your program is performing today.