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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
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
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
