July 29, 2026
AgencyProduct Liability 101 for Medical Device Companies
For medical device startups, product liability insurance isn't an administrative checkbox — it's the financial structure that determines whether your company survives its first serious adverse event. This guide covers what product liability insurance actually covers for device makers, how FDA Class I, II, and III classifications affect your coverage requirements, the four most common gaps in medtech policies, and what a real claim looks like for a monitoring device manufacturer.
July 22, 2026
AgencyE&O vs. General Liability: What Every Consultant, Attorney, and Accountant Needs to Know
General liability and E&O insurance cover completely different risks — yet many consultants, attorneys, and accountants assume one covers what the other doesn't. This guide breaks down the plain-English difference between the two, the three most common coverage gaps that catch professional services firms off guard, a side-by-side comparison of E&O, GL, Cyber, and EPLI, and how to know whether your current limits actually match your firm's real exposure.
July 10, 2026
AgencyCertificate of Insurance: Why Clients Are Asking for More Than Ever
A certificate of insurance used to be a simple proof-of-coverage formality. Today, clients and general contractors are requiring higher limits, specific endorsement forms, additional insured status, and waivers of subrogation — and contractors who don't keep up are losing bids before the work even starts. Here's what's changed and what to do about it.
July 1, 2026
AgencyWhat General Liability Insurance Actually Covers for Contractors
General liability insurance is the policy most contractors carry first — and the one most misunderstood. From third-party bodily injury to completed operations, this deep dive breaks down exactly what GL covers, what it explicitly excludes, and why it's the foundation of a contractor's insurance program rather than the whole structure.
June 25, 2026
AgencySubcontractor Liability: Who’s Really Responsible on Your Job Site
Handing a scope of work to a subcontractor doesn't hand off all the responsibility that comes with it. From OSHA's multi-employer citation policy to negligent hiring claims and insurance gaps, general contractors carry more subcontractor liability than most realize. Here's what you need to know — and what to have in place before a claim forces the lesson.
June 18, 2026
AgencyThe 5 Insurance Gaps That Could Sink Your Contracting Business
Carrying insurance isn't the same as being fully covered. From completed operations to cyber liability, these five contractor insurance gaps are among the most common — and the most costly to discover after a claim has already been filed. Here's what to check before it's too late.
June 12, 2026
AgencyTool & Equipment Insurance: What’s Covered and What’s Not
Tool and equipment insurance protects contractors from theft, accidental damage, and weather-related losses — but the exclusions are where most people get caught off guard. From tools left in unattended vehicles to mechanical breakdowns and mysterious disappearances, standard policies have more gaps than many contractors expect. This guide breaks down exactly what's covered, what's not, and how to make sure your coverage actually reflects the value of the equipment keeping your business running.
June 4, 2026
AgencyWhy Completed Jobs Still Carry Liability for Contractors
Understanding contractor liability after project completion — and how to protect yourself long after the final invoice is paid. Many […]
January 12, 2026
AgencyExperts in Trucking Insurance — and Even Saved Me Thousands on My IRS Bill
Trucking insurance is expensive and complicated, and finding someone who truly knows the industry is hard. When I connected with […]
January 5, 2026
AgencyQuick, Simple, and Saved Me a Great Amount – Sample Express
I needed new insurance coverage fast, and Sica Insurance & Financial Services delivered exactly what I hoped for. They put […]