Alera Group Insights

Perspectives from our thought leaders and experts across the country.

AREAS OF EXPERTISE

Property and Casualty

The Role of Risk Management in Public Sector Insurance

Public sector organizations increasingly find themselves in an environment of shrinking budgets, staffing shortages, growing hostility and rising inflation.

May 31, 2022

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Property and Casualty

Agribusiness Insurance Update: Special Events Coverage for Farms, Ranches and Wineries

If you’re engaged, recently married or someone who has been invited to a wedding in the past five years, you’re probably familiar with The Knot, a wedding-planning website that hosts couples’ pages and provides all sorts of information on just about anything nuptials-related.

January 18, 2022

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Property and Casualty

Franchise Insurance: Understanding Risks and Relationships

Every franchise owner has decisions to make about insurance. How many decisions, and how complex the options, depends on the industry and the franchisor.



One of the most important insurance decisions a franchise operator can make is in selecting an agent or broker. Whether you’re a franchisor or a franchisee, it’s critical that you work with an insurance professional who has a thorough understanding of two factors:

December 13, 2021

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Property and Casualty

Agriculture Insurance Necessity: Inform the Underwriters

Even the record rainfall that doused much of California in October 2021 couldn’t quell fears of enduring drought and new wildfires, particularly in the southern part of the state. That’s certainly the case among insurance underwriters, who have become increasingly reluctant to approve property and casualty (P&C) coverage for individuals and businesses in Southern California, including those in the agriculture industry.



November 5, 2021

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Property and Casualty

Key Component of Construction Risk Management: Builders’ Risk Insurance

If you’re commencing on a construction project, there basically are two ways you can look at Builders’ Risk Insurance:



As a necessary evil;

As valuable protection against the myriad risks inherent in construction, from the start of the project until an agreed-to point of completion.

Which view you adopt may prove to be a major factor in whether your business succeeds or fails.

September 20, 2021

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Property and Casualty

Craft Beverage Makers Require a Finely Crafted Insurance Program

When you work closely with decision-makers in the craft beverage industry, two conclusions become readily apparent:



They’re driven by passion — not only for their products, but for the people they work with and serve;

They care deeply about running their business the right way, and that includes valuing relationships with the trusted advisers who serve them.

September 8, 2021

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Property and Casualty

Rethinking Your Business’ Insurance: The Captive Option

The COVID-19 pandemic has impacted many facets of our life and forced us to rethink what we consider normal. There have been many things we have had to change about our lives over the course of the pandemic.

August 30, 2021

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Property and Casualty

After Surfside, Heightened Focus on Condo Association Insurance

In a perfect world, condominium associations would hire a structural engineer to inspect their property every couple of years. The engineer would inform the association of any compromises to the building’s structural integrity or electrical system, and the association’s board of directors would authorize repairs in timely fashion, simultaneously managing risk and controlling costs —including the cost of condo association insurance.

August 17, 2021

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Property and Casualty

On the turbulent sea that is the current Property and Casualty Insurance market, Surety has been a stable and steady vessel. Even amid the storm of disruptions caused by COVID-19, Surety bonds have continued to provide safe transport to projects embarking

Amid the pandemic-induced confusion over Business Interruption Insurance, one immutable fact about this form of Property and Casualty coverage too often is overlooked: It provides valuable protection that can make the difference between going out of business and re-opening to carry on your business’ legacy.

August 5, 2021

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