Alera Group Insights

Perspectives from our thought leaders and experts across the country.

AREAS OF EXPERTISE

Property and Casualty

Assisted Living and Skilled Nursing Sector Vulnerable to Cyber Threats and Staffing Mandates

After a challenging 2023, Property Insurance rates are more stable midway through 2024. However, environmental exposures, new staffing mandates and cyber threats persist. And with over 16,900 skilled nursing facilities and 30,600 assisted living communities in the U.S. accommodating millions of residents, the sector faces unique challenges.

July 23, 2024

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Property and Casualty

Why a Crop Insurance Broker Is an Essential Partner for Agricultural Producers

In a volatile environment for agriculture business, a thorough, customized program of risk management and property and casualty insurance ― including Crop Insurance ― is essential. And for that, farmers, ranchers and other growers need to work with a certified Crop Insurance broker.

July 16, 2024

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Property and Casualty

Today’s Special: Resilience as Restaurants Navigate Tough Insurance Market

At a time when the National Restaurant Association projects sales topping $1 trillion for the first time ever this year, the future for businesses in this notoriously risky industry nevertheless seems more precarious than ever. In this business climate, robust risk management and an expertly designed insurance program couldn't be more important.

July 9, 2024

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Property and Casualty

Surety: Market Stable for Time-Proven Protection

Surety bonds not only help prequalify contractors — saving valuable project time and money — but also help ensure superior performance compared to construction projects without bonds.

June 26, 2024

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Property and Casualty

Property Insurance Rate Increases Easing for Real Estate Sector

After six consecutive years of steep Property Insurance rate increases, many organizations in real estate development and property management may finally experience a more palatable renewal.

June 18, 2024

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Property and Casualty

Litigation Necessitating a Layered Approach to Professional Liability Insurance

Professionals face heightened exposure due to increased litigation, much of it fueled by third-party financing and resulting in so-called nuclear verdicts. The increase in both frequency and severity of losses underscores the importance of securing comprehensive Professional Liability Insurance with sufficient limits, a solution that may require one or more excess layers on top of the underlying coverage.

May 21, 2024

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Property and Casualty

Perfect Storm Hitting Personal Lines of Insurance

A convergence of disruptive forces is hitting the market for personal lines of insurance in 2024, making it extremely challenging for insurers to provide coverage personal property and casualty (P&C) coverage, particularly Home and Auto Insurance.

May 14, 2024

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Property and Casualty

Affordable Housing Providers Hardest-Hit in Insurance Market for Nonprofits

Adding to significant challenges including labor shortages and reduced funding, nonprofit organizations are experiencing increasing difficulty in securing adequate property and casualty insurance. Premiums are increasing, deductibles are escalating, and the number of carriers willing to engage with nonprofits continues to shrink. These challenges underscore the importance of partnering with an experienced insurance broker who specializes in serving nonprofit organizations.

May 7, 2024

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Property and Casualty

Navigating the Medical Malpractice Insurance Cycle

The rising trend of high-profile medical malpractice cases with significant monetary awards underscores the need for physicians and others in the medical industry to protect themselves with Medical Malpractice Liability Insurance.

April 23, 2024

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