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Climate and Cat Risk guides
California's commercial property and wildfire marketCalifornia commercial property after the 2025 LA fires: FAIR Plan limits to $20 million, surplus lines, wildfire discounts and the 2026 nonrenewal moratorium.Catastrophe models: how insurers price hurricanes, quakes and firesHow catastrophe models turn simulated storms and quakes into loss estimates, why your building data moves your premium, and where models fall short.Climate change and the commercial insurance marketHow rising catastrophe losses reach commercial property buyers through price, deductibles, roof terms and availability, and what to check at renewal in 2026.Climate risk disclosure rules for businesses: where they stand in 2026The SEC climate rule is stayed and proposed for rescission; California's SB 253 first reports are due November 10, and SB 261 is enjoined. Who is covered.Commercial flood insurance: NFIP limits and private optionsCommercial property policies exclude flood. How NFIP coverage works for businesses, its $500,000 limits and gaps, lender rules, and what private flood adds.Disaster preparedness for small businesses: a practical checklistDisaster preparedness for small businesses: map your hazards, check flood and wind coverage early, protect people and records, and document property.Fire and water damage prevention for commercial buildingsFire costs more per claim, water damage is more frequent. The controls insurers look for, what the property form says, and the protective safeguards condition.Florida's commercial property insurance marketHow Florida commercial property is placed in 2026: separate wind layers, Citizens' commercial accounts, the 2022 reforms, FHCF reach and cheaper reinsurance.Hurricane season and commercial property insurance: what to do before a stormWind is covered, flood is not, and deductibles can swallow the claim. A pre-season checklist, binding limits once a storm forms, and the 2026 season in context.Mitigation credits and resilient construction for commercial propertyHow roof, wind, wildfire, flood and fire-protection upgrades can earn insurance credits, what California and IBHS FORTIFIED set, and how to document them.Named storm deductibles: how percentage wind deductibles workA named storm deductible is a percentage of insured values, not of the loss. How triggers, per-location rules, flood and buy-back policies decide what you pay.NFIP reauthorization and what it means for business flood coverThe NFIP is authorized through Dec. 11, 2026. What a lapse means for commercial flood policies, loans and closings, and how business owners can plan.Secondary perils: the storms, floods and fires that are not hurricanesSecondary perils (hail, tornado, wildfire, flood, freeze) drove 92% of 2025 global insured catastrophe losses. What they are and how they change policy terms.Wildfire and commercial property insurance: cover, cost and mitigationWildfire is covered as fire, so the fight is over availability, price and valuation. What underwriters score, what a loss touches, how California rules work.