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Delos Insurance in California: Who It Writes and What the 2026 Expansion ChangedWhat Delos Insurance is, who qualifies for its California homeowners policies, and what the March 2026 expansion changed for homes stuck on the FAIR Plan.August 8, 2026
DIC Insurance: How a Difference in Conditions Policy Completes Your FAIR PlanHow a difference in conditions (DIC) policy wraps around the California FAIR Plan, what it covers, who sells one, how to match limits, and what it cannot do.August 8, 2026
Essentia Insurance Company: The Name on Your Hagerty PolicyEssentia Insurance Company (NAIC 37915) issues US Hagerty policies. Here is what changed on January 1, 2026, when Hagerty Re took 100% of the risk from Markel.August 8, 2026
What Is the MCS-90 Endorsement? A Federal Guarantee, Not InsuranceThe MCS-90 endorsement is a federal judgment guarantee, not insurance. The insurer pays the injured public, then bills your trucking company back for it.August 8, 2026
Is ERGO NEXT the Same as Next Insurance? What the Rebrand Changes for YouNext Insurance rebranded as ERGO NEXT in January 2026 after Munich Re's $2.6B deal. What changes on your policy and COI, and who the carrier actually fits.August 8, 2026
Who Underwrites Classic Car Insurance? Five Brands, One CarrierGrundy, American Collectors, J.C. Taylor, Condon Skelly, and Heacock Classic now share one carrier group. See who underwrites each classic car insurance brand.August 8, 2026