A practical, attorney-tested, and estimator-ready guide for U.S. businesses to file commercial insurance claims correctly, preserve recoverable value, and avoid avoidable denials or underpayments. This …
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RFP Template for Fleet or High-Exposure Accounts: Requirements, KPIs and Evaluation Scoring
Comprehensive, step-by-step guide for U.S. commercial insurance procurement teams, risk managers and procurement professionals who need a repeatable, defensible RFP for fleets and other high-exposure …
Step-by-Step Procurement Checklist: From Coverage Needs Analysis to Final Policy Bind
A practical, procurement-grade guide to buying commercial insurance for U.S. businesses. Whether you’re a procurement lead working with risk managers, an in-house insurance buyer at …
Selecting a Broker for High-Risk Industries: What to Ask About Carrier Appetite and Claims Support
High-risk industries — construction, transportation, manufacturing, cannabis, large-scale hospitality, and many technology and cyber-exposed firms — require a broker who can do more than "get …
Business Insurance Essentials: How to File a Commercial Claim and What to Expect in the Timeline
An ultimate guide (U.S. market) — Claims, Risk Management & Loss Control Filing a commercial insurance claim is rarely simple: it touches contracts, timelines, evidence, …
Loss Control Playbook: Policies, Training and Vendor Audits That Reduce Claims and Premiums
Effective loss control is the single most actionable lever a business has to reduce claims frequency and severity—and, over time, to lower insurance premiums and …
Buying Direct from Carriers: Pros, Cons and When It’s the Right Choice for Your Business
Updated: January 24, 2026Author: Senior Procurement & Commercial Insurance Analyst (U.S. market) Buying insurance directly from carriers (insurers) is an increasingly visible distribution path in …
Negotiating Broker Fees and Commissions: Tactics to Improve Transparency and Lower Costs
Understanding and negotiating broker fees and commissions is a core competency for procurement teams buying commercial insurance. Distribution costs can represent a substantial portion of …
Marketplace vs Traditional Broker: Speed, Coverage Depth and When to Use Each for Complex Risks
Content pillar: Procurement — Brokers, Agents, Marketplaces & Direct CarriersContext: Business insurance essentials (U.S. market) — ultimate guide for procurement teams, risk managers and executives …
Real-World Pricing Examples: Premiums for Small Contractors, Retailers and Tech Startups
Content pillar: Cost, Pricing & Ways to Lower Premiums — Business insurance essentials (U.S. market) Understanding how insurance carriers price small-business risks is one of …