Business Insurance

Business insurance helps protect your company from unexpected risks such as property damage, liability claims, cyber threats, and business interruptions. Explore our practical guides to understand different types of business insurance and find coverage options that can help protect your business and support its long-term success.

Business Insurance

The Future of Insurance: How AI is Changing Your Premiums in 2026.

Elizabeth Toohey -
For consumers, the biggest change is not simply that “AI makes insurance cheaper.” Instead, AI can potentially make pricing more individualized. Your premium may increasingly reflect...
Auto Insurance

Understanding No-Fault Insurance in Ontario: What It Means for Your Claim.

Elizabeth Toohey -
The phrase “no-fault insurance” is one of the most misunderstood terms in Ontario auto insurance. Many drivers hear “no-fault” and assume it means: Nobody is considered...
Business Insurance

Usage-Based Commercial Auto: How Telematics 2.0 Can Save Your Fleet 20%

Elizabeth Toohey -
Commercial auto insurance has traditionally looked backward. Insurers examine: Past accidents + claims history + vehicle types + driver records + operating territory and use those factors...
Business Insurance

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

Elizabeth Toohey -
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...
Business Insurance

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

Elizabeth Toohey -
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...
Business Insurance

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

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

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

Elizabeth Toohey -
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...
Business Insurance

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

Elizabeth Toohey -
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...
Business Insurance

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

Elizabeth Toohey -
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...
Business Insurance

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

Elizabeth Toohey -
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...
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