RISKY BUSINESS - #001: New Channel for You to Stay in the Know!

THREE NOTES FOR YOUR Q1 2026 INSURANCE MARKET UPDATE:

1. Property Market Stabilizing
   Property insurers are beginning to offer more stable renewal terms, with pricing largely flattening compared to prior periods of significant increases.

2. Shifting Wind & Hail Risk
   Wind and hail deductibles continue to rise, placing more responsibility on insureds. Wind/hail buyback policies remain a viable option to help offset this increased exposure. Additionally, properties in convective storm-prone regions remain under close scrutiny by underwriters. While terms may show some improvement, available options are still limited.

3. Ongoing Challenges in Commercial Trucking
   The commercial trucking sector continues to face a tight excess liability market—particularly in states where insurers anticipate larger jury awards. As operations expand into these regions, having a strong risk management and legal defense strategy is more important than ever.

   1. See map below found at:  

      1. https://infinitifleetsafety.com/2025/01/27/judicial-hellhole-map/

4. Positioning Yourself for Better Results in 2026

   With more carriers looking to grow aggressively this year, there are clear opportunities for well-prepared organizations. To secure the most competitive terms:

   • Maintain strong employee training programs—especially for drivers

   • Proactively review claims and work to close open items or reduce reserves before marketing your program

   • Ensure your website accurately reflects your operations—this is often the first impression underwriters will have of your business

GET TO KNOW US! EMPLOYEE SPOTLIGHT: ELLIE STONECIPHER

Here’s Ellie with her two favorite guys, her husband Zach and their son Connor. Ellie brings joy, laughter, and positivity to everyone she meets. She loves our clients and truly enjoys partnering with the carriers we work with each day.

PS - Don’t forget out our safety services available to you! Contact us today to chat.

1. Online Training Courses (TrainingHub)

2. Employee Handbook & Training Program Review

3. DOT Violation Review & Appeals

4. DataQ Assistance for “Not Preventable” Accidents

5. Plaintiff Playbook Assessment

6. CAB Report Reviews

7. Claims Help

8. Safety Incentives & Driver Award Guidance

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