Bars and Restaurants
Power Outages and Spoiled Inventory: Food Spoilage Coverage Explained
AUGUST 2026 — POST 1 — BARS & RESTAURANTS Power Outages and Spoiled Inventory: Food Spoilage Coverage Explained August storms roll through, the power drops for eight hours, and every walk-in and reach-in in your kitchen becomes a very expensive garbage can. Spoiled inventory is one of the most frequent
EPLI for Hospitality: The Employee Claims Your Other Policies Don’t Cover
SEPTEMBER 2026 — POST 2 — BARS & RESTAURANTS EPLI for Hospitality: The Employee Claims Your Other Policies Don’t Cover Ask a restaurant owner what keeps them up at night and you’ll hear about food costs and staffing — rarely about employment lawsuits. Yet hospitality generates employment claims at some
Church & Non-Profits
Preschools, Mother’s Day Out, and Daycare: When Your Church Runs a School
AUGUST 2026 — POST 2 — CHURCHES Preschools, Mother’s Day Out, and Daycare: When Your Church Runs a School As the school year starts, thousands of Kansas City area families drop their children at church-based preschools, Mother’s Day Out programs, and daycares. If your church runs one — or rents
Background Checks and Screening: Building a Volunteer Program Carriers Trust
SEPTEMBER 2026 — POST 2 — CHURCHES Background Checks and Screening: Building a Volunteer Program Carriers Trust Fall ministry launch means recruiting volunteers — nursery workers, youth leaders, drivers, greeters. Screening those volunteers is where child protection, insurance requirements, and legal defense all converge. A church with a real screening
Contractor Insurance
Enrolled in a Wrap-Up? What OCIPs and CCIPs Mean for Your Own Coverage
AUGUST 2026 — POST 2 — CONTRACTORS Enrolled in a Wrap-Up? What OCIPs and CCIPs Mean for Your Own Coverage Land a spot on a big project — a hospital, a distribution center, a large multifamily job — and you may be told the project is ‘wrapped’: covered under an
Running a Clean Certificate Program: Risk Transfer for GCs and Lead Contractors
SEPTEMBER 2026 — POST 2 — CONTRACTORS Running a Clean Certificate Program: Risk Transfer for GCs and Lead Contractors The moment you hire your first subcontractor, you’re in the risk transfer business whether you meant to be or not. Every sub on your job either carries their own insurance properly
Commercial Insurance
Insured to Value: The Underinsurance Problem Hiding on Main Street
AUGUST 2026 — POST 1 — COMMERCIAL LINES Insured to Value: The Underinsurance Problem Hiding on Main Street Here’s the quiet problem in commercial property insurance: construction costs have climbed dramatically over the past several years, and most building limits haven’t kept pace. The result is a main street full
Cyber Liability for Main Street: Yes, Your Business Is a Target
SEPTEMBER 2026 — POST 1 — COMMERCIAL LINES Cyber Liability for Main Street: Yes, Your Business Is a Target The most common objection I hear to cyber coverage is some version of “we’re too small to be a target.” The data says otherwise: a large share of cyber attacks now
Personal Insurance
Off to College: Dorm Rooms, Apartments, and the Car That Goes Along
AUGUST 2026 — POST 2 — PERSONAL LINES Off to College: Dorm Rooms, Apartments, and the Car That Goes Along The minivan is packed, the dorm assignment is in, and somewhere between the laptop and the mini-fridge is an insurance question nobody’s asked: what covers all this stuff — and
Renters Insurance: The $20 Policy Too Many Tenants Skip
SEPTEMBER 2026 — POST 2 — PERSONAL LINES Renters Insurance: The $20 Policy Too Many Tenants Skip Nearly half of renters carry no insurance at all, usually resting on the same wrong assumption: the landlord’s policy will take care of it. It won’t. The landlord’s insurance covers the building —
Roofers Insurance
Trucks, Trailers, and Ladder Racks: Commercial Auto for Roofing Operations
AUGUST 2026 — POST 2 — ROOFERS Trucks, Trailers, and Ladder Racks: Commercial Auto for Roofing Operations A roofing company is a trucking operation that happens to install roofs — crews, materials, trailers, and dump loads moving between jobsites all day. Auto claims are a top severity driver for contractors,
Fall Protection That Pays: Turning Your Safety Program Into Lower Premiums
SEPTEMBER 2026 — POST 2 — ROOFERS Fall Protection That Pays: Turning Your Safety Program Into Lower Premiums Falls are the story of roofing insurance — the leading cause of death in construction, the driver of roofing’s brutal workers comp rates, and the single factor underwriters weigh most when they