Blog

Insights on business insurance and risk management

Compliance Guide

Bakersfield Businesses Face Dual Threat: Why You Need Separate Wildfire AND Earthquake Coverage

California requires 3 policies: standard property, wildfire, earthquake. Bakersfield businesses face dual threats. Know what each policy covers.

·9 min read
Best Practices

Chicago Businesses Face $15K Average Freeze Damage Claims—But Many Policies Don't Cover It

Frozen pipes, ice dams, and roof collapse cost Chicago businesses thousands every winter. Standard policies often exclude freeze damage. Know what's covered.

·9 min read
Best Practices

The Two-Year Trap: Why Dallas Property Owners Are Losing Insurance Claims They Should Win

Texas 2-year statute kills valid claims. Half of Dallas insurance claims closed with no payment in 2024. Don't miss the deadline that ends your rights.

·10 min read
Risk Management

Denver HOA Sent Residents $21,000 Bills After Hailstorm—And It May Be Illegal

Colorado Springs HOA hit 150 families with $20,752 bills after 2024 hailstorm. HOA bylaws cap deductibles at $10K. Legal battle reveals insurance gaps.

·10 min read
Risk Management

Fort Worth Cooper Apartments Fire: When Unlicensed Contractors Cost 800 Residents Everything

Six-alarm fire at Fort Worth's Cooper Apartments left 800+ residents homeless after unlicensed electrician's work failed. Learn why renters insurance matters.

·9 min read
Industry Insights

Miami Homeowners Lose 90% of Insurance Disputes After Florida Strips Jury Trial Rights

Florida's 2023 law forces Citizens insurance disputes to state-funded judges. Homeowners win only 10% vs. 45% in traditional courts. What this means for Miami.

·10 min read
Industry Insights

20 Years After Katrina: What New Orleans Businesses Learned About Hurricane Insurance

Hurricane Katrina's 2005 devastation transformed New Orleans insurance. Commercial property owners learned hard lessons about flood vs. wind coverage gaps.

·10 min read
Industry Insights

Phoenix's Record Heat Is Creating New Insurance Gaps for Commercial Properties

2024's 113 consecutive 100°+ degree days in Phoenix exposed insurance coverage gaps. HVAC failures, roof damage, and heat-related losses often aren't covered.

·9 min read
Compliance Guide

San Antonio Businesses Fight Back Against Insurance Delays Using Texas's 18% Penalty Interest Law

Texas Prompt Payment Act: 60-day deadline or 18% penalty interest. San Antonio businesses enforce law to fight insurance delays after storms.

·10 min read
Risk Management

Tulsa Roof Damage Claims: Why Insurers Deny Storm Damage as 'Wear and Tear'

Oklahoma insurers deny roof claims citing pre-existing damage—even with clear storm evidence. Learn how to document storm damage and fight wrongful denials.

·8 min read
Risk Management

Allianz Life Cyberattack: Majority of Customers Hit Through Third-Party Vendor

Mid-July 2025 breach at Allianz Life exposed majority of customer data via external system vulnerability. Class action lawsuits already filed.

·15 min read
Risk Management

American Income Life Exposes 150K Customers: Why Insurance Companies Can't Report Breaches

October 2025 data breach exposed 150,000 insurance customers' data. Journalist discovered the company has no way to report security incidents.

·15 min read
Safety & Risk Management

Dagsboro Explosion Kills One: What Delaware Owners Must Know About Gas Claims

September 30 explosion in Sussex County killed one and caused $500,000 damage. Learn how gas explosion claims differ from standard property claims.

·10 min read
Risk Management

Delaware Hotel Sues Insurers for $1.5M: Why Business Interruption Claims Get Denied

Brandywine Plaza Hotel owners filed suit September 30 after insurers denied $1.5M in business interruption claims following October 2024 water leak.

·10 min read
Safety & Risk Management

Ford Recalls 850K Vehicles with Dangerous Defect—But Admits It Has No Fix

October 2025 recall affects 850,000 Ford vehicles with fuel pump defect that can cause engine stalls. Company admits no remedy is available yet.

·15 min read
Risk Management

Houston Derecho Anniversary: Why Business Owners Are Still Fighting Insurers

One year after May 2025's $5-7 billion derecho, Houston businesses still await fair settlements. Learn why windstorm claims take so long and what you can do.

·12 min read
Risk Management

Houston Hotel Explosion Injures Six: Who Pays When Construction Sites Explode?

October 3 explosion at Holiday Inn injured six workers. Learn which insurance policies cover construction accidents and why projects need multiple layers.

·9 min read
Risk Management

Hurricane Milton Claims Deadline October 9: Florida Businesses Have Days Left

Florida law gives property owners one year to file hurricane claims. Milton's October 9, 2025 deadline is days away—don't lose your coverage rights.

·11 min read
Industry Insights

Nine Months After LA's Worst Wildfire: Why California Businesses Are Bleeding Money

January 2025 wildfires destroyed 20,000+ LA structures. Nine months later, business interruption claims are still being fought. Learn why recovery takes years.

·11 min read
Risk Management

Missouri Landlord Sues Auto-Owners for $2M Storm Underpayment: How Insurers Low-Ball Claims

Paddock Hills Shopping Center owner claims Auto-Owners underpaid July 2023 hail damage by millions. Learn the tactics insurers use to minimize payouts.

·13 min read

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