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Insurance knowledge, organized

Plain-English guides, form explainers, and reference sheets written by licensed insurance professionals — organized by coverage line, not by date.

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General LiabilityHow the CGL policy works: coverages, endorsements, additional insureds, and the forms behind them.7 guidesCommercial PropertyBuildings, business personal property, business income, and the causes of loss forms that drive them.4 guidesCommercial AutoThe business auto policy, covered auto symbols, hired and nonowned coverage, and physical damage.1 guideWorkers CompensationThe workers comp system, employers liability, experience mods, and waivers of subrogation.4 guidesConstructionBuilders risk, contractors equipment, contract insurance requirements, and jobsite risk.2 guidesInsurance BasicsCertificates of insurance, policy structure, claims, and the vocabulary every buyer needs.5 guides

Form library

Explainers for the ISO forms you see on quotes, contracts, and certificates — 18 forms and growing, each with a downloadable Menlo reference sheet.

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Latest guides

Insurance BasicsAdmitted vs Non Admitted Carriers: What the Difference Means for PlacementWhat admitted vs non admitted means in practice, filed rates and guaranty fund protection versus surplus lines freedom of rate and form, and when to use each.
Insurance BasicsWhat Is a BOP? The Business Owners Policy ExplainedWhat a businessowners policy (BOP) bundles, who qualifies for one, what it excludes, how it compares to separate policies, and what drives its annual cost.
Insurance BasicsCertificate Holder vs. Additional Insured: What Is the Difference?Certificate holder vs additional insured compared. What each status grants, what it costs, how to upgrade to real policy rights, and contract mistakes to avoid.
General LiabilityCG 00 01 Explained: How the Commercial General Liability Coverage Form WorksHow the CG 00 01 commercial general liability form works, Coverage A, B, and C insuring agreements, defense costs outside the limits, and aggregates.
Workers CompensationHow Does the Experience Modification Rate Really Work?How the experience modification rate is calculated, why frequency raises it faster than severity, and how brokers verify and dispute a client's mod worksheet.
Insurance BasicsHow to Read Loss Runs Like an UnderwriterHow to read loss runs column by column. Paid, reserved, and incurred amounts, valuation dates, how underwriters score them, and pre-marketing cleanup.