To reduce the chance of claim problems, report losses promptly, prevent further damage, complete required claim steps, pay premiums, and describe your property’s use accurately. Understand exclusions, optional coverages, and policy limits, then ask an agent and internal claims team to clarify your protection before a loss.
Charlie Gerace supported Palomar’s commercial marketing work in the Birmingham office, assisting with applications and insurance submissions while compiling property values for more than 70 properties. His internship developed practical insurance skills, confidence, and interest in the industry through hands-on work, mentorship, and exposure to corporate risk.
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.
Kaleb Tindall was selected as a 2025 Chamber Ambassador for the Montgomery Area Chamber of Commerce. Chamber members chosen as ambassadors embody the mission to advocate, connect, and support their communities while fostering business growth, making the appointment a reflection of Kaleb’s community involvement and service.
Before you take your boat onto the water, inspect equipment, check the weather, distribute passengers and cargo properly, follow marine traffic laws, wear fitted personal flotation devices, and consider a safety course. Review your boat insurance or secure coverage for newly purchased watercraft before summer activities begin.
Palomar’s 2025 sales meeting celebrated leadership changes, office expansion, headquarters relocation, and the addition of producers and support staff. The company also recognized award-winning producers, discussed executive benefits and captive insurance, and heard a keynote message emphasizing a winning culture and collective pursuit of success.
Palomar appointed Jim Williford as its new CEO, bringing extensive commercial insurance experience and a record in leadership, innovation, and strategic growth. His CPCU, CIC, CRM, and CRIS certifications strengthen his preparation to guide the agency’s continued success and deliver solutions for clients.
