Nate Kraai - Alera Group

07/20/2026

The P&C market has officially turned a corner.

After years of aggressive rate increases, we’re now seeing premium growth flatten to roughly +0.2%—the softest conditions since 2017.

But here’s what I’m reminding clients: A softer market doesn’t automatically mean better protection.

Insurers are holding the line on pricing by tightening coverage terms and exclusions, which means what you’re buying matters more than ever.

If you haven’t looked beyond the premium line item recently, now’s the time.

🔗Download the report ▶️ https://ow.ly/1eWp50Zq9zn

06/07/2021

A nice overview by Forbes to help business owners when they are considering a commercial auto policy - https://www.facebook.com/30911162508/posts/10159619622842509/?d=n&substory_index=0

Here's how commercial auto insurance works: https://trib.al/8Ggi3Vj Via Forbes Advisor

05/25/2021

If you live near water it may be time to ask an independent agent: What is flood insurance and why you may need it?

Last week marked the one-year anniversary of the devastating flooding in Midland.

11/20/2020

Some great insurance news from Progressive for anyone attempting their first Thanksgiving turkey

Whole Foods Market and Progressive Insurance have a new way to insure your Thanksgiving meal against holiday fails: Turkey Protection Plans.

10/31/2020

This week I have taken several calls asking what is covered during this unusual time of pandemic and civil unrest. This article helps answer some of the questions but the best way to know your coverage is to contact your agent.

Press release content from Wired Release. The AP news staff was not involved in its creation.

04/16/2020

A growing number of insurance companies are providing partial refunds during this unprecedented time. If yours isn’t one of them maybe it’s time to contact an independent agent for some better options.

Car insurance refunds of 15% or 25% are now common due to less driving during the pandemic. But how did auto insurance companies calculate these amounts? We asked.