When Construction Risk Becomes Long-Term Real Estate Liability
For developers and property owners, construction risk often feels temporary. Once a project is completed, attention shifts to leasing, operations, and asset performance. The risk, however, does not disappear when construction crews leave the site. In many cases, it evolves. In 2026, owners and developers are seeing an increase in claims that trace back to […]
Why Lenders Are Re-Evaluating Insurance Requirements in 2026
Insurance is no longer just a compliance checkbox in lending transactions. In 2026, it has become a capital protection tool that lenders are examining more closely than in prior years. Rising replacement costs, evolving litigation trends, and increased claim severity have shifted how lenders view insurance adequacy. What once satisfied covenant requirements may now fall […]
The Open AI Lawsuit: Emerging AI Liability Risks and Insurance Considerations
March 2026 The recent filing of Nippon Life Insurance Company of America v. OpenAI Foundation et al. (Case No. 1:26-cv-02448, N.D. Ill., filed March 4, 2026) represents a significant and distinctive development in AI liability litigation. While OpenAI has faced numerous prior suits—primarily centered on copyright infringement, data misuse, and other issues—this case stands out as a prominent civil […]
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 […]