Commercial General Liability Insurance: What It Covers, Costs & Who Needs It
Reading Time: 2 minutesCommercial general liability (CGL) insurance is the foundational coverage for any business — it pays for third-party bodily injury, property damage, and personal/advertising injury claims arising from your operations, products, or premises. If a customer slips in your office, your product injures someone, or your advertising defames a competitor, CGL is the policy that responds. […]
Special Event Insurance
Reading Time: 4 minutesSpecial Event Insurance: Coverage, Costs, and What Venues Actually Require in 2026 Key Takeaways Cost: $150-$1,500 per event: A single-day event with 100-500 attendees costs $150-$500 for general liability coverage. Multi-day events, alcohol service, or high-risk activities push premiums to $800-$1,500+ Venues require it — no exceptions: 95%+ of hotels, convention centers, parks departments, and […]
Different Types of Life Insurance
Reading Time: 8 minutesKey Takeaways Seven distinct products: Term, whole, universal, variable, indexed universal, group term, and key person life insurance each solve different problems at different price points Group term dominance: 97% of employers with 100+ employees offer group life benefits, with average costs running $0.15-$0.40 per $1,000 of coverage monthly Key person gaps: 62% of mid-market […]
E&O Insurance for Media
Reading Time: 3 minutesFor related coverage information, see our guide on how to save on Mounjaro. Related: childcare business insurance E&O Insurance in Miami: Our Guide for Media and Professionals Introduction As a seasoned insurance expert with over 10 years of experience at Hotaling Insurance Services, I understand the complexities and necessities of Errors and Omissions (E&O) insurance […]
Employee Benefits Education: Helping Young Employees Understand Their Coverage
Reading Time: < 1 minuteYoung employees consistently underuse their benefits packages because they do not understand what is available, how it works, or why it matters. The result: low enrollment in voluntary benefits, poor health plan selection, and missed opportunities like HSA contributions and 401(k) matches that cost them thousands over time. For employers, benefits education is not a […]
How the Supreme Court’s ACA Ruling Affects Health Insurance: 2026 Policy Impact and Pricing
Reading Time: 6 minutesKey Takeaways The ACA survived: The Supreme Court rejected the challenge in California v. Texas (2021), ruling plaintiffs lacked standing. The ACA remains fully in effect — all coverage mandates, essential health benefits, pre-existing condition protections, and employer requirements continue 2026 premium impact: ACA marketplace premiums rose 7–12% for 2026 plan year. Employer-sponsored premiums increased […]