Fuel type isn’t background information when placing energy insurance. It shapes the entire risk profile, and getting it wrong leads to coverage gaps, mismatched policies, or outright declinations. Propane: A specialized, well… [Read More]
Michael Finati
Propane vs. mixed fuel: Why the distinction matters for your client’s coverage
March is the time to tee up pool contractor submissions for the season ahead
By the time pool season is in full swing, everyone is moving at once—clients, project schedules, and renewals. March is one of the best windows to get pool contractor… [Read More]
Why Clients Need Comprehensive Insurance Coverage for Modern Excavation
Without excavation, a construction project likely isn’t going to be completed properly, on time or within its budget. It’s an essential and perhaps the most important step in the construction… [Read More]
Spring renewal season: Is your utility contractor book ready?
Q2 renewals are coming fast. For brokers with utility contractor clients, now is the time to review coverage, flag gaps, and make sure every account is in the right… [Read More]
Builder’s Risk Insurance 101: A Broker’s Guide to Helping Construction Clients
With construction spending in the U.S. topping $2 trillion in 2024 and a 12% annual increase in gross output, the industry is poised to continue moving full steam ahead in… [Read More]
Commercial Snow Removal Operations: How to Prepare Your Business for Winter Liability
Summary: Winter storms drove $6.7 billion in claims this season, with snow removal operations accounting for some of the costliest contractor disputes. Most landscaping contractors discover coverage gaps after the… [Read More]
Security System Installation: What Customers Expect From Installers
Summary: Customer expectations for security system installation now include network security and smart integration, not just hardware mounting. Each expectation creates specific business risks, from E&O exposure on design work… [Read More]
How Butane Delivery Requirements Differ for Bulk and Cylinder Supply
Summary Bulk, cylinder, and cartridge deliveries each come with distinct regulatory requirements and risk exposures Property risk dominates bulk operations, handling frequency drives cylinder claims, and product defects create cartridge… [Read More]
Why Hot Tub Distributors Face Higher Liability After Installation
Summary: Post-installation liability increases for hot tub distributors once the customer takes over daily use and control. Claims for electrical failures, water damage, and injuries often surface weeks or months… [Read More]
How Sewer Line Repair Changed: Open-Cut to Trenchless
Summary Trenchless methods cut surface disruption but moves risk to subsurface strikes and equipment failures. Contractors doing sewer line repair now face HDD inadvertent returns, specialized gear dependency, and workmanship… [Read More]
