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Changes to Workers’ Compensation Premium Calculation: Nevada Senate Bill 317
In June of 2025, Nevada Senate Bill 317 was passed unanimously by both chambers of the Nevada Legislature and signed into law by Governor Joe Lombardo. The Bill introduces a significant update to the state’s workers’ compensation system by eliminating the $36,000 payroll cap previously used in premium calculations. What
Product Liability Lawsuits Are on the Rise: What That Means for Manufacturers and Wholesalers
Product liability is no longer a back-burner concern. In 2024, it became the leading cause of what are known as “nuclear verdicts”: lawsuits resulting in more than $10 million in damages. These cases added up to a staggering $13.7 billion in court awards last year alone. For manufacturers, distributors, and wholesalers, that’s
Why Businesses Should Invest in Employment Practices Liability Insurance
Running a business means juggling countless responsibilities: managing finances, satisfying clients, and crucially, leading a team. Employees are the backbone of any operation, but with that comes a complex web of legal and ethical obligations. From hiring to firing and everything in between, employment-related risks are a reality every business
How the California Safe Homes Act Could Lower Insurance Costs in Wildfire Zones
As wildfires continue to reshape life in California, the state is taking bold legislative action to confront two of its most pressing challenges: wildfire risk and skyrocketing insurance costs. The newly introduced California Safe Homes Act (Assembly Bill 888) aims to provide practical, proactive solutions, and if passed, it could
Build a Career That Matters: 6 Reasons Young People Thrive in Insurance
“Insurance is greatest industry in the history of mankind.” – John Wepler, Chairman of MarshBerry The insurance industry might not be the first career path that comes to mind for young adults, but it offers a wealth of opportunities that sadly go mostly unconsidered by those entering the workforce for
Preparing for Excess Policy Audits: A Guide for Insureds
As an insured business, you rely on excess and surplus (E&S) insurance to cover risks that standard policies can’t handle—think high-hazard operations, unique liabilities, or niche industries. Recently, some E&S carriers have started auditing their excess policies to ensure premiums, terms, and risks align with today’s volatile market. These audits
State Farm’s Proposed 22% Rate Increase: How It Could Affect Your Insurance Costs
California’s insurance market is at a tipping point, and the ripple effects could hit your bottom line. State Farm General has been provisionally approved for a 22% rate hike on homeowners insurance policies, but the increase is not a done deal just yet. Here’s what you need to know and
Improve your Chances of Securing Fire Insurance
Securing commercial or personal insurance in high-hazard areas, particularly with the increasing frequency and severity of wildfires, can be challenging. There are, however, steps you can take as a company to improve your chances of obtaining fire insurance, mitigating risks, and keeping your insurance premiums manageable: 1. Assess and Improve
Experience Modifier: How to Reduce Workers’ Compensation Premiums
A well-organized safety program benefits not only your employees but also helps reduce workers’ compensation premiums. For many business owners, increasing insurance rates often feel beyond their control, with factors like collective loss history, inflation, and industry trends driving up costs. However, one critical factor—the Experience Modifier (e-mod)—is within your
Navigating the Storm: Current Challenges in Commercial Insurance Coverages
In today’s volatile business landscape, commercial insurance is more than a safety net—it’s a strategic necessity. Yet, as companies strive
Swarts Manning Named a 2025 Best Practices Agency
We are proud to announce that Swarts Manning has been named a 2025 Best Practices Agency, a prestigious recognition awarded
Why Self-Insured Groups Could be a Smart Investment for California Contractors
As someone who works closely with contractors across California, I’ve seen firsthand how challenging it can be to manage workers’
Changes to Workers’ Compensation Premium Calculation: Nevada Senate Bill 317
In June of 2025, Nevada Senate Bill 317 was passed unanimously by both chambers of the Nevada Legislature and signed
Product Liability Lawsuits Are on the Rise: What That Means for Manufacturers and Wholesalers
Product liability is no longer a back-burner concern. In 2024, it became the leading cause of what are known as “nuclear
Why Businesses Should Invest in Employment Practices Liability Insurance
Running a business means juggling countless responsibilities: managing finances, satisfying clients, and crucially, leading a team. Employees are the backbone