Industry Insights & Articles
Back-to-School Business Risks: What Employers and Fleet Owners Should Know
Back-to-school season brings more than busy roads—it also increases liability risks for businesses with employees who drive for work. Learn how employers and fleet owners can reduce risk, improve safety, and protect their business during one of the busiest travel seasons of the year.
5 Common (and Potentially Costly) Homeowners Mistakes
Your home is one of the most significant investments you’ll ever make, so it pays to be diligent about caring for it. Keep your eyes open around the house. Don’t hesitate to get out the tools, or call a professional if needed. Remember, prevention is the best medicine—and that old saying holds just as much for your home’s health as it does for yours.
Why Understanding the Difference Could Save Your Business
Learn why accurate property valuations are critical in today's economy and how the right coverage can protect your business after a major loss.
7 Signs It's Time to Review Your Business Insurance Coverage
As your business grows, your insurance should grow with it. Here are seven common signs that it's time to review your business insurance coverage to ensure you're protected against today's risks—not yesterday's.
How to Build a Business Continuity Plan
Unexpected disruptions can happen to any business, from severe weather and cyberattacks to equipment failures and utility outages. Learn how a business continuity plan can help your organization recover faster, protect your employees, and minimize financial losses.
Could Your Business Survive 90 Days Without Revenue?
A disaster doesn't have to destroy your building to threaten your business—it only has to stop your income. Learn how business interruption insurance helps protect your revenue and supports business continuity while you recover.
Independent Contractors vs. Employees: Who Needs Insurance Coverage?
Understanding the difference between employees and independent contractors is essential for managing risk and maintaining the right insurance coverage. Learn how worker classification can impact liability, workers' compensation, and your business's financial protection.
The Most Overlooked Liability Risks Families Face in 2026
Teen drivers, pools, pets, and social media can all create liability risks. Learn the most overlooked exposures families face and how to protect yourself.
Flood Risk Reality Check: Are You More Exposed Than You Think?
Many homeowners underestimate their flood risk. Learn why more families are reassessing their exposure and reviewing flood insurance coverage in 2026.
Are You Underinsured? The 5-Minute Risk Assessment Every Homeowner Should Take
At Fortis Risk Group, we believe insurance reviews should focus on risk first and premiums second. Our Risk Advisors work with homeowners to evaluate property values, liability exposures, lifestyle changes, and coverage gaps to ensure policies remain aligned with current needs.
Why Insurance Renewals Should Start With a Risk Assessment, Not a Premium Review
The next time your renewal arrives, resist the urge to focus solely on the premium. Instead, ask a more important question: "Does my current coverage still fit the risks I face today?" That question can uncover opportunities to strengthen protection, eliminate gaps, and make more informed decisions about your insurance program.
Contractor Risk Assessment: Is Your Insurance Keeping Up With Your Growth?
Don't assume your current policy is keeping pace with your growth. Contact one of our Risk Advisors today for a comprehensive policy review and discover whether your insurance program is truly protecting your business.
Why Did My Insurance Premium Go Up?
Insurance premiums are rising for reasons that extend far beyond individual claims. Inflation, increased rebuilding costs, severe weather losses, and rising litigation expenses are all contributing factors. The good news? You don’t have to navigate these changes alone.
Blanket Coverage Isn’t a Strategy
At Fortis Risk Group, we believe insurance should never be transactional. It should be strategic.That’s why working with a Risk Advisor matters.
Before Summer Jobs Start: Is Your Contractor Insurance Ready?
Whether you’re a general contractor, roofer, HVAC company, electrician, landscaper, or specialty trade, now is the time to ask: Is your insurance actually built for the work you’re doing this summer?
Does Your VBS or Camp Have the Right Insurance Coverage?
Summer is one of the busiest and most rewarding seasons for churches, nonprofits, schools, and community organizations. Vacation Bible School (VBS), youth camps, summer enrichment programs, sports camps, and day camps all create meaningful experiences for children and families. But while leaders are busy planning activities, recruiting volunteers, and organizing schedules, one important detail is often overlooked: insurance coverage.
Why Umbrella Insurance Matters More in 2026
In 2026, umbrella insurance matters more than ever because liability claims are becoming larger, legal costs are rising, and everyday situations can turn into expensive lawsuits faster than many people realize. While your standard home or auto policy provides liability protection, those limits may not always be enough when a serious accident or claim occurs.
Should You File a Claim For These 5 Types of Auto
Do you take pride in your clean driving record? You’ve had no accidents, no tickets, and you always wear your seat belt. The most basic auto insurance policy is the best option for you, right? Well, you may be lacking the coverage you need to protect yourself and others in the event of an unexpected accident.
Not Planning for Long Term Care, Can Lead to Long Term Problems
Planning for long-term care is one of the most important financial decisions individuals and families can make. This article highlights the growing need for Long-Term Care (LTC) planning as healthcare costs continue to rise and more Americans require assistance later in life.
May Insurance Check-Up: What You Should Review Now
May is the perfect time for an insurance check-up. Review your coverage before summer risks hit. Get expert guidance today.
Why Auto Insurance Costs Are Rising in 2026
Auto insurance premiums are increasing in 2026. Learn how vehicle tech and repair costs are impacting your rates, and what you can do.
What’s Really Driving Your Insurance Premium in 2026?
If your insurance premiums have increased recently, you’re not alone. It’s one of the most common questions business owners are asking right now—and one of the most misunderstood.
Don’t Wait Until Renewal: How to Prepare for Your Insurance Renewal in Today’s Market
Renewal isn’t just a deadline, it’s an opportunity. If your renewal is coming up, now is the time to start the conversation. Let’s build a strategy that puts you ahead of the market, not behind it.
Is Your Business Properly Covered for Cyber, Liability, and Workforce Risks? If You’re Unsure, You’re Not Alone...And That’s the Risk
In today’s business environment, uncertainty isn’t unusual, but when it comes to your risk exposure, uncertainty can be costly.
The Biggest Coverage Gaps We’re Seeing in 2026—and How to Fix Them Before It’s Too Late
The businesses that navigate risk successfully in 2026 aren’t the ones with the cheapest policies they’re the ones with the clearest understanding of their coverage. At Fortis Risk Group, we believe in helping our clients stay ahead, not catch up.
Small Actions, Big Impact: How You Show Up Matters
In the fast-moving world of business, it’s tempting to focus only on the big things: strategy, sales goals, scaling operations, and getting ahead of the competition. But time and time again, it’s the small actions—the consistent, human-centered decisions—that leave the longest-lasting impact.
What Renters Insurance Covers: Answers to the Top Questions
If you’re renting an apartment, condo, or home, you may be wondering: “Do I really need renters insurance?” The short answer is yes—especially when you dig into what it covers, how much it costs, and what it doesn’t protect you from.
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Why is Risk Management in Insurance Important for My Business?
Understanding risk management in insurance is essential for safeguarding your business. This blog will guide you through the key reasons why it should be a priority for every business owner.
What the New Supervisory Lens on Insurance Carriers Means for Your Business
In today’s evolving risk environment, the insurance industry is undergoing a significant shift. Regulatory bodies around the world are increasing oversight on insurance carriers, placing them under what many are calling a new supervisory lens. While these changes are primarily directed at insurers themselves, they have real implications for business owners who rely on insurance partners to protect their operations, assets, and people.
AI‑Driven Underwriting: What Your Company Needs to Know
For companies of all sizes, but especially larger businesses, understanding how AI reshapes underwriting can help you make smarter decisions, recognize opportunities, and anticipate risks.
Planning an Event in 2026? Here’s Why You Need Special Event Insurance
As we anticipate a bustling year for events in 2026, it’s crucial to consider all aspects of your planning—especially insurance. Whether you’re hosting a wedding, a corporate retreat, or a large festival, protecting your investment with special event insurance is essential. Let’s dive into the reasons why having this coverage can make a significant difference.
Navigating the 2026 Risk Trends to Watch for Better Insurance Planning
Understanding emerging risk trends is crucial for effective insurance planning. In this blog, we’ll explore the key trends that could shape the insurance landscape, helping you prepare better and make informed decisions.
The Role of Key Person Insurance in Business Success
In the world of business, every individual plays a critical role. When a key person is unable to fulfill their duties, it can significantly impact a company’s operations and bottom line. That’s where Key Person Insurance comes into play. This blog will explore how this unique insurance not only protects the business but also ensures its longevity and success. Let’s delve into what Key Person Insurance is, why it’s essential, and how it can aid in navigating unforeseen challenges.
Non-Profit Insurance Checkup: Protecting Your Organization in Changing Times
In today’s ever-evolving landscape, non-profit organizations face unique challenges that require a fresh look at their insurance policies. As a non-profit, your mission is vital, and protecting your assets and liabilities has never been more critical. In this blog, we’ll explore why now is the perfect time for your organization to re-evaluate its insurance options and ensure comprehensive protection.
What Changed in Insurance for 2026 — and How It Affects Your Business
The insurance landscape did not remain static in 2025—and those changes are carrying forward into 2026.
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What Impact Will Q1 Insurance Trends 2026 Have on Businesses?
As we look ahead to 2026, understanding the emerging insurance trends is crucial for businesses to navigate the evolving landscape. In this blog, we will break down the key trends and their potential impact, helping you prepare for the future.
Rising Premiums Aren’t Random: What’s Driving Commercial Insurance Costs in 2026?
Premiums aren’t rising “just because.” They’re responding to measurable shifts in global risk, legal trends, and economic pressure. Understanding what’s behind these changes is the first step toward making informed decisions for your business.
What Insurance Options Should a New Business Owner Consider?
Starting a new business is an exciting journey, but it's important to ensure you're protected from potential risks. Understanding which insurance options to consider can safeguard your investment and provide peace of mind.
The Cost of Being Underinsured: What We Wish More People Knew
Here are twelve practical tips to help you ensure you have the right coverage and avoid the costly risks associated with being underinsured.
Is Your Business Properly Covered for Cyber, Liability, and Workforce Risks?
Running a business in 2026 requires resilience. Markets shift quickly. Technology evolves daily. Workforce expectations change. Regulatory requirements tighten. And while growth opportunities are abundant, so are exposures.
Top Insurance Gaps We’re Seeing in 2026 (And How to Fix Them)
The insurance landscape in 2026 is not what it was even a few years ago. Rising construction costs. Persistent inflation. Evolving cyber threats. Workforce shifts. Carrier tightening. Regulatory updates.
Love Is in the Details: How Proper Coverage Protects What Matters Most
In risk management, love truly is in the details.
Insurance Isn’t Just Policies—It’s Partnership: Our Approach at Fortis Risk Group
Insurance, at its core, is about stewardship. It’s about protecting what matters most—families, businesses, livelihoods, legacies. And that kind of responsibility deserves more than a quote sheet. It deserves partnership.
10 Questions to Ask About Different Coverage Options for Contractors, Retailers, Non-Profits, and Professional Services
Explore the essential questions to ask when evaluating different coverage options for contractors, retailers, non-profits, and professional services to ensure you choose the right insurance for your business needs.
How Insurance Can Support Your Expanding Teams Efforts
As businesses grow and evolve, so do the challenges they face. One critical area that often gets overlooked is how insurance can play a vital role in supporting expanding teams.
Insights
Understanding Income Protection: A Simple Guide
Income protection is a vital safety net that many people overlook, yet it plays a crucial role in ensuring financial stability in times of need. This guide will help you understand what income protection is, why it’s important, and how to choose the right policy for you. Let’s dive into the world of income protection and explore how it can benefit you and your loved ones.
Insights
15 Ways to Enhance Your Property Protection Strategies
In today’s world, ensuring the safety of your property is more important than ever. Whether you’re a homeowner or a business owner, knowing how to effectively protect your space can provide peace of mind. In this post, we’ll explore 15 effective strategies to enhance your property protection and safeguard your investments. Let’s dive into these practical tips!
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Insights
What 2025 Taught Us: Three Insurance Lessons to Bring into 2026
2025 put risk management and adaptability in the spotlight for businesses. From natural catastrophes to digital threats, the year was a stress test that revealed how crucial a smart insurance strategy for 2026 will be. Small business owners, nonprofit leaders, and risk managers all faced challenges that underscored key business insurance lessons. Below, we recap three major insurance takeaways from 2025 and how to apply them in commercial risk planning for 2026.
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This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you.This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you.
