Why Strong Risk Stories Matter More Than Perfect Loss History
Many business leaders assume that insurance outcomes hinge primarily on loss history. Fewer claims, lower costs, better results. In reality, underwriting decisions are influenced just as much by how risk is explained as by what the numbers show. A clean loss history without context can raise as many questions as a challenging one. Meanwhile, organizations with claims activity but a […]
Where Insurance Programs Break Down After the Policy Is Bound
For many organizations, insurance feels “done” once the policy is bound. Coverage is in place, certificates are issued, and attention shifts back to running the business. This is often where problems begin. The most expensive insurance failures rarely stem from missing coverage altogether. They happen when policies exist, but the surrounding processes do not support how coverage is […]
From Insight to Action: How Business Leaders Should Apply Insurance Strategy in Q1
January is when leaders set direction. February is when execution begins. By this point in the year, most organizations have already discussed budgets, priorities, and risk tolerance. Insurance strategy often sits somewhere in the background of those conversations, acknowledged as important but rarely translated into specific action. The difference between companies that feel in control at […]
The Underwriting Red Flags That Quietly Limit Your Options
Many insurance programs struggle not because the risk is uninsurable, but because something in the background makes underwriters hesitant. These red flags are rarely obvious. They do not always show up as declined quotes or dramatic premium increases. More often, they appear as limited options, conservative terms, or a shrinking pool of interested carriers. Business leaders […]
Cultivating Leadership: Inside Liberty’s People-First Development Strategy
Leadership isn’t limited to titles. At The Liberty Company Insurance Brokers, we believe leadership lives at every level. It shows up in how people support one another, make decisions, take initiative, and carry our culture forward. As Liberty continues to grow, our leadership development philosophy remains clear: empower people, remove barriers, and invest in long-term growth from within. This blog explores how Liberty’s approach to […]
Client-First, Always: How Liberty Puts Relationships at the Center
In a world of transactions, Liberty is built on relationships. From day one, The Liberty Company Insurance Brokers has operated with one guiding belief: clients don’t stay because of what you sell; they stay because of how you care. That mindset has helped us build one of the highest client retention rates in the industry, and it continues to define how we […]
The Liberty Company Welcomes Catherine Garvie as Vice President, Commercial Lines
LOS ANGELES, CA. – February 10, 2026 — The Liberty Company Insurance Brokers (Liberty) is pleased to announce that Catherine Garvie has joined the firm’s Destin, Florida office as Vice President, Commercial Lines. With more than 25 years of experience, Garvie joins Liberty with deep expertise in commercial insurance solutions, with a specialized focus on […]
Fostering a Sense of Community at Liberty
At The Liberty Company Insurance Brokers, we believe connection is the backbone of a strong culture. In an industry often known for competition and complexity, we lead with something simple: community. It’s a principle that shapes how we collaborate, support one another, and serve our clients with care. This blog explores how Liberty fosters connection—not just within […]
Growth Through Grit: The Liberty Model of Success
At The Liberty Company Insurance Brokers, success isn’t measured by size alone—it’s measured by sustainability, integrity, and grit. Over the past several years, Liberty has emerged as one of the fastest-growing independent insurance brokerages in the country. But behind that growth is something more powerful than numbers: an unwavering commitment to doing things the right way, even when it’s not the easy way. […]
Part 2: What California Employers Can Do About Rising Workers’ Comp Costs
Turning Rising Rates Into an Opportunity for Improvement With California’s workers’ comp rates climbing, many employers feel the pressure but rising premiums don’t have to mean rising total costs. In fact, rate changes often highlight opportunities to strengthen safety culture, claims management, and overall program performance. In this second part of our series, we’ll explore […]