Earthquakes get the headlines, but the ground moves for many reasons. Whether a property loss is covered when the ground shakes, shifts or sinks depends on what the policy says. Earthquake coverage is a very well known, but relatively narrow coverage limited to damage caused by naturally occurring seismic activity. Few buyers are aware of earth movement coverage, which offers broader protection for a wider scope of perils. While most clients choose earthquake coverage, they may want to consider whether earth movement policies make sense, given their specific risks and how it fits into their overall property program.

Buyers have grown used to price cuts in the property market in recent years, but insurers are now taking a harder stance. Insurers are seeking additional premium wherever possible and applying stricter underwriting, particularly to property valuations. Rate increases seem to be gaining traction as leading markets pare back on unprofitable lines. Still, those viewed as good risks can expect to do better than more challenging exposures.

Will premiums increase? Are terms and conditions changing? What lines of business have limited markets? Which lines of business have excess capacity? Here’s what clients can expect in the marketplace for 2019 in a quick and easy to read reference guide.

CRC Group has the most actionable data in wholesale business and will use that advantage to power new data and analytics system to help retail clients win.

Active assailants continue to threaten businesses, houses of worship, schools and public events across the United States.