NYC Contractor Insurance: Meeting GC Contract Requirements
Reading Time: 7 minutesNew York City Contractor Insurance: Meeting GC Contract Requirements To bid New York City work, most subcontractors need general liability with additional insured status for ongoing and completed operations, primary and noncontributory wording, a waiver of subrogation, and an umbrella or excess layer of $5M to $10M or more. General contractors set those terms because […]
How Much Excess Liability Does a Real Estate Portfolio Need?
Reading Time: 7 minutesHow Much Excess Liability Does a Real Estate Portfolio Need in 2026? Most mid-size real estate portfolios now carry $25M to $50M of excess liability, and large multifamily or mixed-use owners often go to $100M or more. The reason is verdict size: Zurich reports 135 corporate verdicts above $10M in 2024, plus 49 above $100M. […]
When to Re-Market a Real Estate Property Program
Reading Time: 7 minutesConditions for Re-Marketing a Real Estate Property Program Re-market a real estate property program when it has gone two or more renewals without competition, when your premium rose without better terms, or when the market turns soft. All three are true for many owners right now: CIAB reports commercial property premiums fell 6.3% in Q2 […]
Shared Layered Property Programs in a Soft Market
Reading Time: 8 minutesShared Layered Property Programs in a Soft Market 2026 A shared and layered property program splits one large property limit across several carriers, stacked in layers or divided by percentage. In 2026 it is the cheapest it has been in nearly a decade: the Council of Insurance Agents & Brokers reports commercial property premiums fell […]
How Much Is a CT Scan Without Insurance in 2026?
Reading Time: 8 minutesA CT scan without insurance costs $250 to $2,000 at an independent imaging center and $1,000 to $7,000 or more at a hospital. The national median hospital cash price is $1,359, according to CarePriceGuide‘s review of hospital price files. A basic head CT without contrast can cost as little as $250 to $400 at a […]
How Much Is a Blood Test Without Insurance in 2026?
Reading Time: 8 minutesA blood test without insurance costs $15 to $100 per test at a lab like Quest or Labcorp, and $110 to $170 for a typical annual panel. A basic CBC is about $29 on Quest’s consumer site, a comprehensive metabolic panel about $49, and a lipid panel about $59, per VitalityScout. The same tests can […]
How Much Is a Tooth Extraction Without Insurance in 2026?
Reading Time: 8 minutesA tooth extraction without insurance costs $75 to $250 for a simple extraction and $250 to $650 for a surgical one, per tooth. Aspen Dental reports an average of $179 for a simple pull and $389 for a surgical one. Impacted wisdom teeth cost the most, often $400 to $600 or more per tooth before […]
How Much Is an Eye Exam Without Insurance in 2026?
Reading Time: 8 minutesAn eye exam without insurance costs about $50 to $250 in 2026, and most adults pay around $100 at a retail optical counter. GoodRx puts the national average near $136. The cheapest routine exams are at warehouse and big-box stores (Walmart, Costco, Sam’s Club, America’s Best), while a private optometrist runs $120 to $200 and […]
Gabriel A. Dieppa Appointed to Citizens Property Insurance Corporation Board of Governors
Reading Time: 2 minutesGabriel A. Dieppa, Managing Partner at Hotaling Insurance Services, has been appointed to the Citizens Property Insurance Corporation Board of Governors.
2026 Mid-Market Commercial Insurance Benchmark Report: Cost, Claims Severity, and Coverage Trends
Reading Time: 7 minutesThis report compiles current benchmark data on what mid-market companies — $5M to $500M in revenue, 25 to 1,000 employees — pay for commercial insurance in 2026, and the loss trends driving those numbers. Every figure is sourced and attributed. Where a number comes from an industry study, the study is named so you can […]