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Independent insurance journalist covering policy, premiums, and consumer protection across the US, UK, Canada, and Australia.
Per-occurrence vs. aggregate limits, products-completed operations, additional insureds, and the professional and auto gaps that general liability never fills.
Trip cancellation, medical, evacuation, and baggage — the four pillars of a travel policy, what triggers each one, and the exclusions that cause most denied claims.
Annual vs. per-condition deductibles, 70/80/90% reimbursement, benefit schedules, and annual caps — how the four dials interact to change what you actually get paid.
From usage-based discounts to deductible math, the tactics that actually move premiums — and the ones that don't.
Real premium ranges for general liability, BOP, professional liability, and workers comp — by industry, revenue band, and state.