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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If you manage property or insurance, rising catastrophe losses are increasing pressure on reinsurance and homeowner markets. The 2025 Swiss Re Sigma Report examines major 2024 events and emphasizes stronger building codes, resilient infrastructure, risk transfer, and collaboration to support long-term insurability as climate-related risks intensify.
Uninstalled software updates leave security weaknesses open to attackers, even when your systems are otherwise protected. Turn on automatic updates, watch for notifications, install critical fixes promptly, and include update requests in your cybersecurity policy; remember that cyber liability coverage is separate from standard general liability.
Your trucking claims and violations can affect insurance costs, so safety data should guide daily management. Review FMCSA performance data, crash history, and violations to identify trends, strengthen corrective policies, and build a company-wide safety program that starts with leadership and reaches every driver.
Buying your first home means understanding what your homeowners policy does and does not cover. Review dwelling, other structures, personal property, liability, medical payments, loss of use, common perils, and optional protections, and compare the coverage behind each quote rather than choosing on premium alone.
Alabama’s Law Enforcement Agency announced major changes to the commercial driver’s license process for current CDL holders and new applicants. The changes roll out in two phases, beginning June 23 and July 1, 2025, so review the updated requirements before applying for or renewing a CDL.
Firewalls and backups may not address the financial and operational needs created by an active cyberattack. Comprehensive cyber insurance can provide ransomware negotiation, lost revenue reimbursement, legal and regulatory response, breach mitigation, forensics, data recovery, and crisis communications when your organization faces an attack or data breach.
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