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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
How to Strategically Shop for Multiple Insurance Quotes
You may have worked with the same agent for years but are curious about other options that could save you
5 Ways Your Insurance Changes When Your Revenue Skyrockets
Is 2019 shaping up to be a more profitable year for your company? Congratulations! Reaching new revenue milestones, especially the
Four Assets That Need an Annual Insurance Review
As a business owner, it’s important to monitor your insurance policies to ensure you have adequate coverage in the event
Changing Commercial Insurance: Should I Shop for Other Options?
This is a common question for business owners who want the best value and protection. The commercial insurance market can
Cannabis Industry Employment is Budding: Attracting and Retaining High-Level Employees
The cannabis industry is expanding rapidly, with national employment growing by 690% between January 2017 and August 2018. With a
5 Ways to Minimize Risk at a Company “Christmas” Party
It’s the season for celebrations, and many businesses throw a Christmas party at the end of the year. These gatherings
