Intel

Inside This Article: A proposed class-action lawsuit alleges a popular tomato brand misled consumers about the authenticity of its San Marzano tomatoes. While the brand has called the claims meritless, even unproven allegations can lead to significant legal expenses and reputational damage. Commercial General Liability (CGL) Insurance can help cover expenses associated with advertising-related lawsuits, while Excess Liability Insurance can provide additional protection. Companies…

Why It Matters: Construction risk extends well beyond jobsite injuries and physical damage. Design decisions, subcontractor errors, and project management oversights can create liability exposures that may not become apparent until months or years after a project is completed. While construction firms typically carry Commercial General Liability (CGL) Insurance to cover third-party property damage and bodily injuries, many losses in this industry stem from…

Flood events have surged over the past decade, putting many Residential and Commercial properties, including those outside of traditional flood zones, at risk. Parametric Flood Insurance provides data-driven, trigger-based financial protection for certain exposures, while Traditional Flood Insurance remains a foundational coverage for many property owners. Each product serves a distinct role and can be used independently or together to support a more…

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…

Why It Matters: Many habitational losses are not driven solely by catastrophic events, but by secondary exposures that are often overlooked. These can include mechanical failures, regulatory requirements, and tenant claims over habitability. In the Habitational Insurance marketplace, overlooked coverages can significantly impact loss outcomes for property owners and managers — including the potential for substantial out-of-pocket costs even after a covered loss.…

Social inflation, rising loss severity, and increased competition are shaping the Commercial Insurance market in Q2 2026. Learn how selective underwriting, shifting carrier appetite, and creative coverage structures are influencing placement strategies.  

Moderating rates, expanding capacity, and increasing competition are setting the tone for the P&C market in Q2 2026. Learn how underwriting discipline, evolving risk dynamics, and expanded access to specialty and global markets are shaping coverage and pricing.

Inside This Article: A semi-trailer crash in Michigan earlier this year spilled about 26,000 pounds of plastic pellets across 11 miles of roadway. The polystyrene plastic “nurdles” were also found in the Kalamazoo River following the release, which included an additional spill during towing. The nurdles sank into the river sediment, making full recovery challenging and costly. A recent report found hazardous…

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: Hail is now a leading driver of severe convective storm losses, according to Cotality’s latest storm risk report. Texas had the most hail losses of any state in 2025, with more than 235,000 homes experiencing hail damage. Insurers are increasingly implementing Wind and Hail Deductibles and Roof Settlement Schedules on Homeowners Insurance policies. Property owners should closely review policy terms to help…

Inside This Article: A judge issued a default judgment in favor of an Ohio confectionery business after a contractor failed to respond to claims tied to a 2024 demolition incident, WFMJ-TV reported. The lawsuit alleged that debris from a nearby building teardown damaged a neighboring business and equipment, with another establishment also reporting impacts. Contractors performing demolition work face significant third-party…