From backyard barbecues to cross-country road trips, the Fourth of July embodies the perfect summer celebration. While the holiday offers plenty of excitement, it also brings heightened risks, particularly for people who travel. For independent insurance agents, this...
The 2025 New York legislative session wrapped up last week, and it’s time to reflect on what your association accomplished—and what’s still ahead. Thanks to persistent advocacy and strong member engagement, PIANY advanced several long-standing priorities, secured...
At the start of the 2025 Connecticut legislative session, PIACT set an ambitious goal to make significant reforms to the state’s excess and surplus lines placement process; protect consumers from increased premiums; and protect producers from errors-and-omissions exposures. Now with the 2025 session in the rearview mirror, PIACT can claim with confidence: Mission accomplished. With the passage of H.B.6981, PIACT secured a major win that will modernize the way brokers access the E&S market. Meanwhile, PIACT engaged in advocacy on bills related to flood insurance disclosures, dog breed underwriting and fossil fuel infrastructure surcharges—shaping outcomes that reflect the realities and needs of producers and consumers alike.
Water is everywhere—and it could damage your home and property. From torrential downpours to faulty plumbing, your home could face water-related exposures from many different directions. When it comes to water damage, one exposure that threatens homeowners is sewer...
If you work outside in the summer heat, it’s vital that you and your employees take care of yourselves to prevent heat rash, heat stroke, heat exhaustion, heat cramps, sunburns and more. Here are some safety tips to protect yourself this summer: No. 1: Hydrate,...
Fire and water damage coverage is necessary for most businesses that depend on a safe and functioning environment. An unexpected fire or water-related incident can disrupt their operations. Without the right insurance, damage to property, equipment, or client areas...
Imagine paying for robust auto insurance coverage—only to learn too late that your policy quietly includes a loophole that guts your protection in certain common scenarios. That’s the harsh reality for too many New Jersey drivers, thanks to so-called step-down...
Do you run a short-term rental property? Think AirBNB or VRBO. These properties bring income to owners and operators, but they require constantly tracking a changing legal landscape—especially in popular rental areas. It’s vital to keep tabs on changes to local laws...
Until recently, wildfires followed a seasonal pattern. Primarily, we saw dangerous wildfires spread through the summer and fall months, and then a cooler period during the winter and spring when businesses countrywide would have the opportunity to rebuild and recover....
Nowadays, anyone can make a movie: we’re living in a time in which digital recording equipment has never been more abundant and inexpensive. However, just because people can jump in and decide to make a movie or commercial, doesn’t mean they should start shooting...
