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Elizabeth Toohey

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EPLI in the Age of “Ghosting”: Why Your AI Hiring Tool is a Liability Magnet

Job-market ghosting traditionally means one side suddenly stops communicating. An applicant: Applies for a position. Completes an assessment. Uploads a résumé. Records a video interview. Answers chatbot questions. Then: Nothing. No recruiter calls. No...

Supply Chain Interruption: Why “Physical Damage” Isn’t Enough in 2026.

Imagine your company owns a manufacturing plant in Ohio. The building is fine. There is: No fire. No flood. No storm damage. No broken machinery. But production suddenly stops. Why? A specialized component...

The 2026 FAIR Act: Why “Technical Compliance” is No Longer Enough for Insurers

The California FAIR Plan is an insurance program intended to provide access to basic property insurance when coverage cannot reasonably be obtained through the...

Remote Work & Mental Health: The New Frontiers of Workers’ Comp in 2026

The traditional workplace injury is easy to picture. A warehouse employee falls from a ladder. A construction worker injures a shoulder. A restaurant employee suffers a burn. But...

Climate-Resilient Business: Surviving the “No-Go” Zones of 2026

Imagine two nearly identical businesses. Both operate warehouses worth: $5 million. Both have: Similar revenue Similar construction Similar inventory Clean claims histories But Warehouse A is located in an area with relatively...

Agentic AI and Business Liability: Who is Responsible When the Algorithm Errs?

Imagine your company hires a new employee. On the employee's first day, you give them permission to: Access customer records Send emails Purchase supplies Issue refunds Update databases Communicate with vendors Then...

The “Underinsurance” Trap: Is Your Commercial Property Protected Against 2026 Construction Costs?

Imagine your business owns a commercial building insured for: $1.5 million. The policy has been renewed every year, premiums have been paid on time, and the...

Cyber Insurance 2.0: Why Your 2026 Policy Now Requires “Proof of Defense”

Cyber insurance used to feel relatively straightforward. A company completed an application. The insurer reviewed its: Revenue Industry Number of employees Type of data Claims history A quote followed. That process has changed. Today's...

The 2026 Small Business Premium Surge: Why Your Rates Just Jumped 11%

Opening an insurance renewal can sometimes produce an unpleasant surprise. Last year, your business paid: $18,000. This year's renewal might be: $19,500. Or perhaps your employee health insurance quote...

Workers’ Compensation: The Remote-First Compliance Guide

The traditional workplace used to be easy to identify. Employees arrived at an office. They worked at company desks. They used company equipment. They went home at the...

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