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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
Why Professional Liability Insurance Is Essential for Accounting Professionals
In the accounting world, precision is everything. Your clients rely on you to manage their financial data accurately, meet critical deadlines, and provide sound financial guidance. But even the most experienced accountants, CPAs, tax preparers, and bookkeepers can make mistakes. In today’s highly litigious environment, even a small error can
Nevada Workers’ Compensation Update: Impact of SB 317 and March 1st Rate Changes
As a follow up to our previous update about Nevada Senate Bill 317 (see our previous post), we want to make you aware of two important updates affecting workers’ compensation coverage in Nevada: the recent statewide rate increase effective March 1, 2026, and the upcoming payroll cap changes under SB
Business Owners Policy vs. Commercial Package Policy – One Size Doesn’t Fit All
Commercial insurance can be overwhelming, with a seemingly endless list of risks to address and policy options to choose from.
Is Your Coverage Enough? Commercial Umbrella Liability & Excess Liability
Every business owner should ask themselves these two questions annually: Primary insurance policies can be maxed out during major claims,
Surety Bonds 101: Sorting Through the Confusion
Surety bonds are one of the most misunderstood products in the industry. Unlike traditional insurance, surety bonds operate in specific
What’s Your Risk? 1099 Workers & General Liability Insurance
Do you know if your 1099 contractors or subcontractors are increasing your risk exposure? Are their actions covered by your
5 Strategies for Minimizing the Risk of a Product Liability Claim
Nearly every manufacturing company will face a product liability claim at some point. Whether or not you’re found at fault,
An Industry-by-Industry Guide to Professional Liability Insurance
From architects to tech consultants, businesses providing professional services face risks that aren’t covered by Commercial General Liability (CGL) insurance.
