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Markets in Focus :: Q3 Insurance Pricing & Market Update

Even though the commercial insurance industry has grown over the past few years and revenues have been increasing, the market has slightly slowed down because of the COVID-19 pandemic. This was mainly due to the severe economic downturn that forced many businesses to close temporarily or permanently.

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What’s in a Name?

Builder’s risk insurance is a special type of property coverage that indemnifies against damage to buildings while under construction. Typically, the project owner or general contractor requires that these policies be purchased according to the master contract, such as the American Institute of Architects’ form.

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How to Protect Your Business from Water Damage

Water damage: two words no business owner wants to hear. Many business owners and property managers’ greatest concerns stem from fire damage, but water can be just as catastrophic. While fire losses continue to top the severity charts, water damage has climbed the ranks the past few years in both frequency and severity.

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2023 “Affordability” Percentage

In Revenue Procedure 2022-34, the IRS significantly decreased the affordability percentage from 9.61% to 9.12% for 2023. This percentage determines which applicable large employers may face penalties under §4980H(b) for failure to offer affordable coverage as well as which individuals may qualify for subsidized coverage through a public Exchange.

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