The Local Insurance Insider

Why a Certificate of Insurance Isn’t Always Enough

Why a Certificate of Insurance Isn’t Always Enoughby: Nicole RedinbaughPublished on: 18/02/2026

A Certificate of Insurance proves you have coverage, but it doesn’t extend protection. Learn why contracts often require Additional Insured status and specific endorsements.

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Why a Certificate of Insurance Isn’t Always Enough

The Insurance Gap Most Business Owners Don’t See Coming

The Insurance Gap Most Business Owners Don’t See Comingby: Nicole RedinbaughPublished on: 16/02/2026

Does general liability cover professional mistakes? Learn where coverage stops and how to avoid a costly insurance gap.

InsuranceSmall Business
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The Insurance Gap Most Business Owners Don’t See Coming

Marketplace Subsidies in 2026: What’s Changed and What You Need to Know

Marketplace Subsidies in 2026: What’s Changed and What You Need to Knowby: Nicole RedinbaughPublished on: 05/01/2026

Marketplace subsidies changed in 2026. Learn about income limits, APTC repayment rules, HSA eligibility for Bronze plans, and SEP verification.

InsuranceSmall Business
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Marketplace Subsidies in 2026: What’s Changed and What You Need to Know

Cyber Liability Insurance: Why It's Essential for Your Business

Cyber Liability Insurance: Why It's Essential for Your Businessby: Nicole RedinbaughPublished on: 02/06/2025

Cyber liability insurance protects businesses from digital threats like data breaches and ransomware. Learn how to safeguard your operations and respond effectively to cyber incidents.

TechnologyInsuranceSmall Business
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Cyber Liability Insurance: Why It's Essential for Your Business