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The Local Insurance Insider
Before Your Marketplace Plan Auto-Renews: Why a 2027 Review Matters
by: Nicole RedinbaughPublished on: 15/10/2026Marketplace subsidies changed in 2026. Learn about income limits, APTC repayment rules, HSA eligibility for Bronze plans, and SEP verification.
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Hiring Subcontractors? Run These 4 Insurance Checks First
by: Nicole RedinbaughPublished on: 13/10/2026Hiring subcontractors? Four insurance checks every contractor should run first: written agreements, current COIs, matching GL limits and additional insured status.
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Why a Certificate of Insurance Isn’t Always Enough
by: Nicole RedinbaughPublished on: 18/02/2026A 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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The Insurance Gap Most Business Owners Don’t See Coming
by: Nicole RedinbaughPublished on: 16/02/2026Does general liability cover professional mistakes? Learn where coverage stops and how to avoid a costly insurance gap.
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