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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
Workers’ Compensation Payroll Cap Update for SB 317
Swarts Manning is committed to keeping our clients updated on key legislative changes affecting Nevada’s insurance landscape. The National Council on Compensation Insurance (NCCI) recently issued its analysis of the impact of Senate Bill 317 (SB 317), a bill set to change how workers’ compensation premiums are calculated across Nevada.
Business Owners: Have You Scheduled Your Balcony Inspections?
Twice this year, I’ve had the pleasure of attending the Apartment Owners Association convention in Los Angeles, CA. This event is a wealth of knowledge, resources, and solutions for many individuals in the habitational building owners’ space here in California. As a producer specializing in providing insurance solutions to this
Navigating the Storm: Current Challenges in Commercial Insurance Coverages
In today’s volatile business landscape, commercial insurance is more than a safety net—it’s a strategic necessity. Yet, as companies strive to protect their assets, operations, and reputations, they’re finding that the insurance industry itself is undergoing seismic shifts. From economic turbulence to technological disruption, the challenges facing commercial insurance coverages
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 by the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) in partnership with Reagan Consulting. This national honor places us among an elite group of independent
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’ compensation costs while maintaining a safe and efficient operation. We have been riding in a soft market for some time now, but the market fluctuates and we should prepare for
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 into law by Governor Joe Lombardo. The Bill introduces a significant update to the state’s workers’ compensation system by eliminating the $36,000 payroll cap previously used in premium calculations. What
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 verdicts”: lawsuits resulting in more than $10 million in damages. These cases added up to a staggering $13.7 billion in court awards last year alone. For manufacturers, distributors, and wholesalers, that’s
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
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
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
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
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
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
