All Guides
Plain-English explainers on commercial coverage,
written by licensed insurance professionals.
General Liability
What Is Excess Liability Insurance and When Does Your Business Need It?Excess liability insurance adds limits above your general liability, auto, and employers liability policies. When you need it, how limits stack, what it costs.July 13, 2026
CG 00 01 Explained: How the CGL Policy 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 both aggregate limits.July 10, 2026
Named Insured vs. Additional Insured: Insured Status Tiers Under CG 00 01Named insured vs additional insured under CG 00 01. The three insured status tiers, first named insured duties, and where endorsement status runs out.July 10, 2026
Commercial Property
Actual Cash Value vs Replacement Cost: What's the Difference?How actual cash value and replacement cost settle claims differently, plus recoverable depreciation, the 180-day ACV election, and functional replacement cost.July 16, 2026
What Is Ordinance or Law Coverage? The CP 04 05 Endorsement ExplainedOrdinance or law coverage (CP 04 05) pays code-enforcement losses your property policy excludes, from forced demolition to rebuilding to current code.July 16, 2026
What Is Equipment Breakdown Coverage and Do You Need It?What equipment breakdown coverage pays for that property insurance excludes, from mechanical breakdown and electrical arcing to steam explosion and lost income.July 10, 2026
Commercial Auto
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
What Is Motor Truck Cargo Insurance and Who Needs It?How motor truck cargo insurance covers a trucker's liability for freight, what the Carmack Amendment requires, and the exclusions that quietly sink claims.July 16, 2026
What Is Uninsured Motorist Coverage and How Much Do You Need?How uninsured and underinsured motorist coverage works, UM bodily injury vs property damage, offset vs excess UIM states, stacking, and California rules.July 16, 2026
Workers Compensation
Workers Comp Ghost Policy: What It Is, What It Costs, and the TrapsA workers comp ghost policy satisfies certificate requests while covering nobody. What it costs, when it backfires, and California's shifting deadline.August 8, 2026
What Is Employers Liability Insurance? Part Two of the Workers Comp PolicyEmployers liability insurance is Part Two of the workers comp policy. What it covers, action over and dual capacity claims, standard limits, exclusions.July 16, 2026
How Much Does Your Experience Modification Rate Cost You?Your experience modification rate multiplies your workers comp premium. What a 1.25 mod costs, why small claims move it most, and how to get errors fixed.July 10, 2026
Construction
Builders Risk Insurance: Who Needs It and What It CoversWhat builders risk insurance is, what it covers, who pays for it, how cost is set, when coverage ends, key exclusions, and delay in completion coverage.July 9, 2026
Contractors Equipment Insurance: Covering Your Tools and Machinery AnywhereTool insurance for contractors: how an equipment floater covers machinery at the jobsite, in transit, and in storage, plus crane coverage and key exclusions.July 9, 2026
Insurance Basics
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