Intel

Why It Matters: Medical spas continue to expand the range of services they offer, from aesthetic procedures to weight loss, IV therapies, and alternative, regenerative, or off-label treatments. As offerings evolve, coverage may be impacted by how services are delivered, who performs them, and whether treatments—including non-FDA-approved or compounded products—are disclosed and contemplated within the policy. Policies may include exclusions, limitations, or require specialized coverage to address…

Why It Matters: A fire, severe weather event, cyberattack, equipment breakdown, or other loss can halt a company’s operations instantly, stopping revenue while expenses continue to build. Even short-term downtime can create significant financial strain as payroll, rent, and vendor payments remain due. Business Interruption Coverage can help replace lost income and cover ongoing operating expenses, so a business can remain stable while recovery…

Inside This Article: Several California residents are suing two healthcare systems over allegations that an AI transcription tool recorded their visits without consent. Older privacy laws are frequently being applied to modern AI tools and data collection practices. Healthcare organizations should review Cyber, Privacy, and Healthcare Liability Insurance coverage to understand potential gaps tied to AI-related privacy claims. Companies implementing AI…

The Professional Liability market remains competitive, with emerging pressures taking shape in select segments. See how rising severity, evolving Cyber risk, and early signs of firming are influencing coverage and underwriting.  

Key Takeaways While the P&C market is softening and rates are moderating as capacity expands, underwriters remain selective, requiring well-structured submissions to secure optimal terms. Carrier capacity is strong across most lines, with specialty solutions and improved risk mitigation enhancing options for complex and hard-to-place risks. Most Commercial sectors show stable pricing, though litigation and rising loss severity continue to pressure underwriting and…

Inside This Article: A partial structural collapse at an Illinois condominium complex in early March forced a full evacuation and prompted inspections of nearby buildings. Officials said early findings point to the failure of a support column in an underground garage. Habitational Insurance programs, including Commercial Property Insurance and Commercial General Liability (CGL) Insurance, can help cover building repairs and potential third-party liability…

Inside This Article: Hasbro recently detected a cyber incident that involved unauthorized access to its network. The toy company said containment measures could impact operations for weeks and potentially cause delays in order fulfillment as the investigation continues. Cyberattacks can create immediate operational and financial strain for companies, even before the full scope of a breach is known. Cyber & Privacy Liability Insurance can…

Key Takeaways Rapid growth in regenerative and alternative therapies is expanding Healthcare Liability exposures across medspas and healthcare providers. Coverage considerations are multifaceted, with many carriers applying exclusions, limitations, and strict underwriting requirements for non-FDA-approved and off-label treatments. A complex regulatory environment, driven by both federal and state oversight, impacts how Healthcare Liability risks are evaluated and underwritten Many claims stem from insufficient informed consent, patient screening, and marketing practices…

Misleading marketing materials, website content and social media posts can quickly become a significant Healthcare Liability exposure. In this short clip from our recent webinar on regenerative and alternative therapies, Lily Chetosky, Broker, Professional Liability, Burns & Wilcox, Chicago, Illinois, explains how patient expectations shaped by marketing can lead to costly claims. https://vimeo.com/1177367526/0dad2278f1?share=copy&fl=sv&fe=ci

Inadequate patient screening in Telehealth can create significant Healthcare Liability exposure. In this short clip from our recent webinar on regenerative and alternative therapies, Kelli Bernstein, Inside Broker, Brokerage Division, Burns & Wilcox, Atlanta, Georgia, explains how gaps in screening and evaluation can lead to increased risk and potential claims. https://vimeo.com/1177366805/c08e5cfc77?share=copy&fl=sv&fe=ci

Understanding the distinction between product and provider exposure is critical in Healthcare Liability. In this short clip from our recent webinar on regenerative and alternative therapies, special guest Carrie Roberts, RPLU, Vice President, Professional Brokerage Division, GenStar Insurance Services, explains how these differences influence risk evaluation and coverage. https://vimeo.com/1177361685/71abe58095?fl=ip&fe=ec

Regenerative and alternative therapies—such as peptides, NAD+, ketamine, and stem cells—are rapidly expanding across healthcare and medspa settings. While these treatments present new opportunities for providers, they also introduce complex Healthcare Liability exposures. Now available on demand, this webinar features experts from Burns & Wilcox and GenStar Insurance Services as they explore evolving standards of care, regulatory scrutiny, and coverage…