Tools + Intel.

For years, excess liability discussions largely centered on construction. High-hazard operations, complex contractual relationships, and severe workplace injuries made contractors some of the largest purchasers of excess and umbrella insurance.

The trucking industry plays a vital role in in the U.S. economy. In 2025, trucks carried 11.27 billion tons of freight. That’s 72% of the nation’s cargo.3 There are over 3.58 million employed truck drivers in the United States, but 8.4 million people who are employed in jobs related to trucking activity.1 When a driver suffers an injury on the job, they may have to take time off the road. That can impact shippers, customers, the trucking company, and most significantly, the truck driver. Occupational accident insurance can help mitigate the financial blow. Often overlooked, occupational accident insurance should be a key component of any trucking company’s risk management program.

Not long ago, an agricultural drone’s job was simple: fly over a field, capture some images, and hand a farmer a clearer picture of crop health. That has changed quickly. Drones now scout fields, build detailed maps, apply fertilizer and pesticide, and increasingly do it with larger payloads and less direct human control at every step. The shift is happening at a fast clip. The global agriculture drone market is projected to grow from roughly $3.45 billion in 2026 to $14.42 billion by 2031, a compound annual growth rate above 33%.

What can an insured do when a homeowner’s policy doesn’t provide adequate coverage for a valuable
collection? Whether it’s jewelry, art, wine, or other items, a personal articles policy can help fill the
coverage gap.

Not long ago, commercial drones were primarily used for aerial photography and videography. Today, they are essential
operational tools across a growing range of industries.

The standard homeowners market has become increasingly competitive over the past year as reinsurance costs have
moderated and carriers have expanded their appetite for higher-value homes. For many affluent homeowners, that has translated into more insurance options and, in many cases, more competitive pricing.

What would a move from Schedule I to Schedule III really mean for the cannabis industry and for insurance markets? As federal discussions continue, retail agents face rising questions from clients. This article explores the practical implications, limitations, and what retail partners should be doing right now.

Are your cannabis clients missing key coverage—or leaving money on the table? With shifting regulations, emerging risks, and evolving coverage options, staying ahead is more important than ever.

Can your General Liability policy truly protect your clients in today’s volatile environment? As domestic terrorism threats rise and A&B exclusions grow, insureds face increasing exposure to nuclear verdicts.

​Are your clients covered adequately for today’s domestic terrorism risks? With terrorism threats evolving and domestic events on the rise, is the current insurance safety net enough? Discover why TRIPRA may no longer provide the protection your clients need — and how the private market offers stronger, more flexible alternatives.

​Are your transportation clients truly covered for pollution losses—or just compliant? Standard endorsements like CA 9948 and MCS-90 often fall short when it counts. Discover how a true Transportation Pollution Liability (TPL) policy fills critical coverage gaps and provides robust protection for today’s high-stakes environmental sector.

​The trucking industry continues to bounce back from the 2020 pandemic, but the recovery hasn’t been all smooth sailing. According to the American Transportation Research Institute’s (ATRI) 2022 survey, 2021 was the costliest year on record for the trucking industry, and the trend was expected to continue with 2022.1

​Medical malpractice claims have far-reaching financial, psychological, and social effects on patients and healthcare providers at every level. The loss of key staff members and the negative publicity associated with medical professional liability lawsuits can do significant damage to a hospital or medical clinic.

​Hyperinflation of material, labor, and equipment costs is having widespread ramifications for the construction industry, including project funding issues, cancellation of contracts, and contractor defaults.

​Always looking five years ahead and maintaining an education focus has been key to INSUREtrust’s continued success in the cyber market, says president and CEO Christiaan Durdaller.