Wondering if premiums will increase or if changes to terms and conditions are coming? Curious about which lines of business may have limited markets or excess capacity? Here’s what clients can expect to see in the 2022 marketplace, all in an easy-to-read quick reference guide.

Flooding continues to be the most expensive and the most common natural disaster in the United States, resulting in billions in economic losses every year. According to the National Flood Insurance Program (NFIP), 90% percent of all U.S. natural disasters involve flooding.

It’s common to assume that a tragic accident won’t happen to you. Unfortunately, hoping something won’t happen isn’t an effective means of protecting against the unexpected. Just one accident can wipe out your savings and assets. It's impossible to predict the amount that could be awarded to the winner of a lawsuit resulting from an auto collision or an accident on your property. Purchasing a personal umbrella policy is one simple way that individuals or families can protect against the devastating financial impact of an unforeseen event.

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 2021 in a quick and easy to read reference guide.

Rapid spread of the coronavirus required social distancing and caused temporary closure of popular tourist sites around the world. As destinations reopen and some rescheduled travel plans, home-sharing is once again a viable option for resuming travel while staying outside crowded areas.