Blog
Shipment Insurance Gaps: Three Moments Your Coverage Misses
Ask most business owners whether their commercial property and general liability policies cover their goods, and they will say yes without hesitation. It's a reasonable assumption. You pay premiums, you carry a policy, and your policy protects your goods. That...
The Three Emerging Risks Reshaping Aquaculture Insurance
Aquaculture has always carried risk that looks different from most commercial operations. Stock lives in open water, exposed to conditions no fence or sprinkler system can control. The risk profile facing fish and shellfish farms today is shifting faster than many...
Who’s Responsible for Risk During a Build: A Look at Course of Construction Insurance
Every party on a construction site has skin in the game. The owner has capital committed to the project. The general contractor has a contract, a schedule, and a reputation riding on the project’s successful completion. Each subcontractor has crews, materials, and...
Watches Are Now an Investment Asset. Is Your Coverage Built for That?
A decade ago, watch dealers had inventory that was priced against wholesale cost and moved through fairly predictable retail channels. That's no longer the full picture. Certain models now trade on the secondary market the way a security does. That includes published...
Insurance for Art Galleries, Borrowed Works, and Why the Loan Agreement Clause Matters
A private collector agrees to lend a piece for your gallery's upcoming show. Or a museum invites you into a traveling exhibition, and several of the works on the itinerary aren't yours; they belong to institutions and collectors who have entrusted them to whoever is...
Memo Agreement Insurance: Who Covers Goods You Don’t Own?
A memo agreement is a common arrangement in the jewelry trade. A vendor sends pieces to a retailer on a try-before-you-buy basis. The retailer holds them, shows them, and either buys, returns, or exchanges them within an agreed window. It's a practical way to move...
Peak Season, Surge Inventory, and the Policy That Wasn’t Written for Either
If you run a retail business, you already know your inventory doesn't sit at one steady level throughout the year. It builds ahead of the holidays, spikes during back-to-school, or surges around whatever peak period defines your category. While you’re dealing with...
What Rising Construction Costs Mean for Your Commercial Property Insurance
The commercial real estate conversation around tariffs and material costs has largely centered on development pipelines, construction budgets, and acquisition economics. These are legitimate concerns. But there is a related risk that has received considerably less...
Organized Retail Crime Is Evolving. Is Your Insurance Policy Keeping Up?
Retail theft is no longer a problem of opportunistic shoplifters and isolated smash-and-grab incidents. The organizations behind today’s most significant retail losses are sophisticated, coordinated, and increasingly difficult to detect until it's too late. Yet many...
Your Construction Insurance Limits Were Set in a Different Market. Are They Still Right?
If you locked in your construction insurance policy a few years ago and haven’t taken a hard look since, you may be carrying less protection than you think, even if nothing about your business has changed. Here’s why: insurance coverage limits are only as good as the...
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