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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
Lounge Updates for Cannabis Businesses
Matt Haney recently introduced Assembly Bill 374, which would allow cannabis retailers in California to operate kitchens and host live
Welcoming Our Newest Shareholder
We’re thrilled to welcome Dylan Swarts as the newest shareholder to our business. Dylan recently returned to Swarts Manning after
Insurance Requirements for Contractors and Construction Companies
As a contractor or construction company, understanding the necessary insurance requirements is crucial to protect your business from potential liabilities.
Property Coverage Basics
As a spirits industry professional, your business is built on a foundation of hard work, passion, and dedication. However, unforeseen
The Benefits of Umbrella Insurance
Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your standard insurance policies.
Top Misconceptions About Commercial Insurance and How to Avoid Them
Commercial insurance is a crucial aspect of running a business, yet many entrepreneurs and business owners have misconceptions about what
