Insights

Practical guidance on protecting your business, your fleet, your employees, and your home — written by the Palomar team.

Fuel transportation comes with risks that standard trucking policies may not fully cover. Explore essential oil hauler insurance coverages, from pollution liability to cargo protection, and learn how Palomar helps fuel haulers close coverage gaps.

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Latest Articles

Every construction project runs on a plan. There’s a schedule, a budget, a set of drawings, and a sequence everyone follows to get from dirt to done. Your insurance should work the same way. Too often, coverage gets treated as a box to check at bid time and forgotten until something goes wrong.  That’s when […]

Construction moves on trust, but public and many private projects require more than a handshake. Surety bonds help owners confirm that a contractor can bid the work accurately, perform the contract, and pay subs and suppliers. When bonding is in place, projects tend to move with fewer surprises and stronger financial controls. Contractors often ask […]

Many trucking policies leave miscellaneous cargo equipment, aftermarket electronics like ELDs and dash cams, and towing and recovery costs underinsured or excluded entirely. Learn where these three common coverage gaps hide and how the right endorsements protect fleets and owner-operators before a claim exposes them.
If you fund employee healthcare, you may be paying a major expense without clear prices, complete data, or accountability after renewal. Transparent pricing, direct primary care, competitive networks, pharmacy oversight, member advocacy, and aligned incentives can help you manage costs while improving access and predictability.
If you are expanding an egg facility or converting to cage-free housing, spatial separation can reduce fire spread and support insurability. Recommended distances vary by construction and flock capacity, while taller aviary buildings change the risk and make detection, suppression, electrical, ventilation, and housekeeping controls especially important.
You may lower your homeowners premium through five practical improvements: a FORTIFIED roof, monitored security, leak sensors, policy consolidation, and strong credit habits. Alabama’s FORTIFIED grant program, your deductible, and your roof’s age also matter, so a full policy review can uncover discounts and coverage gaps.
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