While attention focused on the wild swings in financial markets at the start of the new year, the construction industry is starting off 2019 on a firm foundation with a strong, if somewhat decelerating, outlook.

Commercial auto has always been a risky business, and it’s getting more difficult to insure. Insurance markets are becoming highly selective about auto liability risks as loss costs climb sharply. Retail agents need to help their insureds understand that the marketplace is changing, but they still have options to navigate challenging conditions.

Action-over claims can result in significant and unexpected liability for business owners, and these claims may not be covered by all commercial general liability (CGL) policies. For insurance professionals and their insureds, not only can an uncovered loss damage relationships, but it also can lead to litigation.