Insights
Notes from the desk.
Plain-language explainers on the parts of commercial insurance that quietly cost employers money.
MarketsMay 2026
What Is the E&S Market and Why Does It Matter
Why your toughest accounts end up in surplus lines — and what that means for price, coverage, and flexibility.
Read →UnderwritingApr 2026
How to Read a Loss Run Report
The three numbers underwriters actually look at, and how to clean up yours before renewal.
Read →Workers' CompJun 2026
Understanding Your EMOD — and How to Lower It
The experience modifier is the single biggest lever on your workers' comp premium. Here's how it works, what drives it, and what you can do about it.
Read →CoverageFeb 2026
EPLI Basics for Growing Employers
The headcount threshold that quietly turns ordinary HR mistakes into covered claims.
Read →