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The Hidden Fire Risk in Your Home: Lithium-Ion Batteries and How to Protect Your Property
Lithium-ion batteries power nearly every rechargeable device in a modern home. Phones, laptops, cordless tools, e-bikes, e-scooters, robotic vacuums, electric vehicles, and home energy storage systems all rely on the same compact chemistry. That chemistry is remarkable for the amount of energy it packs into a small space. It is
Roof Maintenance: Protect Your Property and Your Investment
Your roof protects nearly every major component of your property, which means a small roofing problem can quickly turn into a much larger loss. How can regular roof maintenance help protect your property? Routine inspections, timely repairs, clear drainage systems, and good maintenance records can help prevent water intrusion and
How California’s New Wildfire Risk Scoring Is Reshaping Commercial Property Insurance
How is California’s changing wildfire risk scoring affecting commercial property insurance? In many cases, carriers are looking more closely at property-level wildfire exposure, building materials, vegetation, fire protection access, prior loss history, and documented mitigation. As a result, businesses may see pricing volatility, new inspection requirements, stricter underwriting questions, and
Should Your CPA and Insurance Broker Work Together? Why It Matters for Business Owners
Most business owners assume their advisors are aligned, but in reality, your CPA and your insurance broker are usually working independently. Should your CPA and insurance broker be coordinating? Yes. When they don’t, you can miss tax opportunities, carry inaccurate coverage, and face unnecessary complications during claims. Aligning these two
Why a Bigger Broker Doesn’t Mean a Better Price
If you’ve ever shopped for commercial insurance, you’ve probably heard the pitch from a large national brokerage: “We place billions of dollars in premium every year — that gives us leverage to get you a deal no one else can match.” It sounds logical. More volume should mean more clout, right?
Captive Insurance Explained: When It’s Time to Take Control of Your Risk
Many companies are already paying for their own losses. Large deductibles, rising premiums, and unpredictable renewals often mean businesses are funding risk without gaining any long-term benefit. The question is no longer whether you are retaining risk; the question is whether you are doing it strategically. For middle market and larger organizations, captive insurance
Celebrating a Legacy of Partnership and Rising Talent at UNLV
At Swarts Manning, we are proud to mark a meaningful milestone in our ongoing relationship with the University of Nevada, Las Vegas. This year, our firm, along with our COO Justin Manning, was honored with the Legacy Award from UNLV’s Insurance & Risk Management program. This recognition reflects a partnership
Why AI Is Changing the Cyber Insurance Conversation
If you’ve been watching the AI space this month, you may have caught headlines about something called Claude Mythos, a new unreleased AI model from Anthropic that the company says has reached a level where frontier AI can outperform nearly all human experts at finding and exploiting software vulnerabilities. The
Do I Have Enough Coverage as a Subcontractor? What General Contractors Actually Require (and Why It Matters)
In the construction world, subcontractors are often hired based on one key factor: price. But what many subcontractors do not realize until it is too late is that winning the bid is only part of the equation. General contractor agreements almost always include strict insurance requirements, and failing to meet them can lead to
Earthquake Insurance: Protecting Your Property
If you live in Southern California, you’ve no doubt grown up understanding that you live in earthquake country. The team
Weathering the Storm: Why You Should Have Flood Insurance
As we round out 2019 and head towards the early part of 2020, we know the seasons are changing; it
Medical Malpractice: Protecting Yourself and Your Practice
Medical malpractice is something doctors don’t want to think about, but in the event that something goes wrong, they have
What’s the Omnibus Clause in Our Commercial Auto Policy?
Insurance policies are filled with legal jargon and complicated wording, but those details are often essential for understanding the ways
OxiClean Lawsuit Highlights Big Questions About Advertising Injury Coverage
Does the advertising injury coverage that’s often included in a commercial general liability policy protect policyholders from damages stemming from
Sitting on the Board: 6 Considerations Before Joining a Nonprofit Board
Serving on a nonprofit board is an honor, but did you know it could also expose you to personal liability?
