Baseball is the only sport where failing 70 percent of the time can still make you great.
The same is true in business.
One season of watching my boys play taught me more about the long game than any book I've read this year.
Bundling home + auto insurance saves 5-25%.
But there are 6 situations where bundling is the WRONG move, and most agents won't tell you which one applies to you.
Independent broker breakdown:
https://t.co/pnmQsRCk3Q
https://t.co/pnmQsRCk3Q
A $300K auto liability limit isn't enough for a serious at-fault accident.
Personal umbrella adds $1M to $5M of excess liability above your auto and home for ~$200 to $400/year per $1M.
Full breakdown linked in comments.
Quick insurance audit:
Ask your agent how many carriers they can quote you with.
→ One? You have a captive agent.
→ Five or more? You have an independent agent.
Both can work. But if your coverage has not been re-shopped in two years, you are a...
https://t.co/1FdM68pWGt
Cyber insurance for contractors in 2026:
Small (under $2M): $900-$1,800/yr
Mid-size GC ($2M-$10M): $1,500-$3,000/yr
Specialty trades: $1,000-$2,500/yr
Average wire fraud loss = $185K
Most crime policies DON'T cover social engineering
Full guide ↓
https://t.co/lNRWKYdegX
Cyber insurance for manufacturers in 2026:
Small (under $5M): $2K-$4K/yr
Mid-size ($5M-$25M): $3.5K-$7.5K/yr
Larger ($25M-$50M): $7.5K-$15K/yr
DoD subcontractor: $5K-$20K/yr
Average ransomware event = $1.2M total cost
GL and commercial property EXCLUD...
https://t.co/rTJIkebNDx