: Nonprofits are facing significant hurdles; approximately 70% of brokers report that carriers are non-renewing certain classes of nonprofits regardless of their loss history, often with premium increases of 25% or more .

: Protects against negligence in professional services, even if no actual mistake occurred. Selecting and Evaluating a Carrier

: Protects against lawsuits involving bodily injury, property damage, or advertising injury (libel/slander).

: Covers owned or rented buildings, tools, and equipment.

: Consult AM Best ratings to assess a carrier's ability to pay out long-term claims.

: A legal requirement in most states to cover medical bills and lost wages for work-related injuries.

: Essential for managing costs related to data breaches, extortion, and cybercrime.

: Commercial insurers have seen steady growth, with the median combined ratio for personal lines reaching a highly profitable 89.2% entering 2025. However, casualty-exposed insurers are seeing weakening underwriting profits due to rising litigation and settlement costs.