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

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