Active Jobsite Operations: Liability While Work Is Ongoing
Active jobsites create overlapping liability exposure that underwriting tiers price before completed work exists.
Read More →Articles
How insurance pricing works, and where coverage decisions actually matter.
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Completed Operations: Claims That Surface After You're Gone
Completed-ops claims surface years later because underwriting assumes latent defects and long-tail exposure risk.
Read More →Heavy and Mobile Equipment: Losses Beyond Theft
Mobile equipment losses include rollover and transit damage that deductibles and inland marine terms control.
Read More →Assault and Battery Exclusions: The Restaurant Liability Gap
Assault and battery exclusions can cap restaurant payouts unless endorsements are in place.
Read More →Slip-and-Fall Claims: Why Restaurants Pay More Than Expected
Slip-and-fall frequency pushes restaurants into tougher underwriting tiers and higher deductibles.
Read More →Class Codes and Tip Wages: The Audit Surprise
Payroll audits can reclass tip-heavy wages into higher-rate codes, raising workers comp costs.
Read More →Kitchen Injury Frequency: The Workers Comp Driver
Frequent kitchen injuries push restaurants into worse underwriting tiers even without severe losses.
Read More →Accidents, Incidents, and Why Your Premium Didn’t Drop When They “Fell Off”
Aged-out losses don’t always translate into lower renewal pricing because repricing isn’t automatic.
Read More →Deductible Tradeoffs in Auto: When a Lower Premium Costs More Later
Raising your deductible can lower premium, but it changes cash-flow risk and claim behavior incentives.
Read More →Carrier Appetite + Zip Codes: Why Switching Works Sometimes (and Sometimes Doesn’t)
Quotes diverge when carriers change appetite or when your territory rerates you into a new class.
Read More →Auto Coverage Changes That Move Premium (and the Ones That Do Not)
Premium drops only when coverage structure changes expected loss or settlement behavior.
Read More →Switching Auto Carriers: When It Works (and When It Does Not)
Switching helps when appetite shifts or rating windows reset, not because loyalty is rewarded.
Read More →Class Codes and Audits: The Back Premium Trap
Misclassified class codes trigger audits and back premiums that erase short-term savings.
Read More →Deductibles and Retro Plans: Know the Volatility
Deductibles and retro plans trade premium for volatility, which small firms absorb poorly.
Read More →Loss Frequency vs Severity for Small Contractors
Frequent small claims move rating tiers faster than one severe loss for small firms.
Read More →Payroll and Class Codes: The Base Rate Drivers
Payroll and class codes set the base rate, and errors compound at audit and renewal.
Read More →Loss Cycles: Why Construction Tightens First
Construction loss cycles shrink carrier appetite first, raising rates even for clean accounts.
Read More →ACV Roofs as a Deliberate Price Strategy
ACV lowers premium by shifting depreciation risk to you, which can be rational with reserves.
Read More →Deductible vs RCV: When ACV Plus Cash Reserve Wins
Lower deductibles reduce shock costs, while RCV shifts settlement risk; the premium tradeoff differs.
Read More →RCV Period Length: Why 20 Years Costs More Than 10
Longer RCV periods keep more roofs eligible for replacement cost, which raises expected loss.
Read More →Roof Loss Cycles: Why Carriers Reprice Home Books
Roof loss frequency forces repricing cycles that raise premiums even when your personal history improves.
Read More →ACV vs RCV: How Roof Settlement Actually Works
ACV settles at depreciated value; RCV pays replacement cost after repair, which changes premium.
Read More →Deep dives
ACV vs RCV: How a Claim Check Gets Built
ACV and RCV are not just acronyms. They change the math of a claim check and the timing of what you get paid.
Read More →Auto Deductibles: Where the Savings Stop Making Sense
Raising your auto deductible can cut premium, but only up to a point. Past that point the savings flatten and the risk climbs.
Read More →Construction Claims: Active vs Completed Operations, in Plain English
Active and completed operations are not legal jargon for fun. They decide when a construction claim lands and which part of the policy responds.
Read More →Kitchen Injuries: Why Frequency Beats Severity in Pricing
One serious injury hurts, but a steady drip of cuts and burns moves premiums faster. Restaurant workers comp is a frequency game.
Read More →Loss Cycles: Why Construction Tightens First
When the market tightens, construction feels it first. The claims are more volatile and the pricing reacts faster.
Read More →Payroll Volatility: How It Moves Workers Comp More Than You Expect
Workers comp is priced on payroll. When payroll swings, the premium follows. The surprises happen when the estimate and the audit do not match.
Read More →Restaurant GL: What Slip-and-Fall Frequency Really Costs
One big slip claim hurts, but a steady drip of small claims moves premiums faster. Restaurant GL pricing is a frequency story.
Read More →What Actually Triggers a Roof-Driven Repricing Year
Roof-driven repricing years are not random. They follow loss patterns, settlement rules, and market behavior that stack up over time.
Read More →Why Switching Carriers Works in One Zip Code and Fails in the Next
Switching carriers can cut your premium, or it can do almost nothing. The difference is usually the zip code, the carrier appetite, and the risk signals you cannot see on the declarations page.
Read More →Workers Comp Audits: How Class Codes Back-Bill You
Workers comp audits are a reconciliation of class codes and payroll. If the codes are off, the back bill can be large.
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