Swarts Manning

09/01/2026

Lithium-ion batteries are part of everyday life, but they can create serious fire risks when they are damaged, improperly charged, or stored too close to flammable materials. 🔋🔥

Phones, laptops, cordless tools, e-bikes, e-scooters, electric vehicles, robotic vacuums, and home battery systems all rely on compact rechargeable batteries. While they are incredibly useful, lithium-ion fires can develop quickly, release toxic gases, reignite after appearing extinguished, and behave very differently than a typical household fire.

Our latest blog breaks down what homeowners should know, including common warning signs, safer charging habits, proper battery storage and disposal, and why certified products and manufacturer-approved chargers matter.

It also explains how battery-related fires may impact homeowners, renters, and auto insurance coverage, especially when e-bikes, home battery systems, EV chargers, or business-use devices are involved.

A few simple habits and one quick coverage review can help protect your home, your family, and your financial recovery if the worst happens.

Read the full blog below ⬇️

🔗: https://swartsmanning.com/the-hidden-fire-risk-in-your-home-lithium-ion-batteries-and-how-to-protect-your-property/

08/27/2026

Your roof protects nearly every major part of your property, so even a small issue can quickly turn into a much larger loss. 🏢🌧️

Routine inspections, timely repairs, clear gutters and drains, trimmed overhanging trees, and organized maintenance records can all help prevent water intrusion and other damage before it becomes a major insurance claim.

Our latest blog breaks down why roof maintenance matters, what property owners and managers should be watching for, and how roof age, condition, and policy language can affect the way a covered roof claim is paid.

Roof condition can also be an important factor during insurance renewals. While maintenance cannot guarantee lower premiums, being able to show that your roof has been actively cared for can help provide underwriters with a clearer picture of your property.

Preventative roof maintenance should be part of your broader risk management strategy, not something addressed only after a leak occurs.

Read the full blog below ⬇️

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Your roof protects nearly every major component of your property, which means a small roofing problem can quickly turn into […]

08/20/2026

We had a great time at the Apartment Owners Association Trade Show in Long Beach yesterday! 🏢

Thank you to everyone who stopped by to meet our team and learn more about Swarts Manning Property Group. We enjoyed connecting with so many property owners and industry professionals and look forward to continuing the conversations.

If we didn’t get a chance to speak with you, we’d still love to connect! Request a quote or learn more at https://swartsmanning.com/property-group/

08/14/2026

Coverage Highlight: Equipment Breakdown ⚙️🔧

This week, we're highlighting an important coverage that helps protect the equipment your business relies on every day: equipment breakdown insurance.

Many businesses depend on critical equipment to operate, from HVAC systems and refrigeration units to computers, production machinery, and electrical systems. When that equipment suddenly fails due to a mechanical or electrical breakdown, the costs can add up quickly.

Equipment breakdown coverage helps pay for repairs or replacement of covered equipment and can help reduce the financial impact of unexpected downtime. Without it, a single equipment failure could disrupt operations, delay services, and create significant unplanned expenses.

Want to learn more? Give us a call or check out our blog here: https://swartsmanning.com/equipment-breakdown-insurance-overview/

08/06/2026

No two businesses are exactly alike, and their insurance shouldn’t be either. 🛡️

From property and equipment to employees, operations, and future growth, the right coverage should reflect the risks your company faces. At Swarts Manning, we take the time to understand how your business operates and help you explore insurance options built around your specific needs. Better protection starts with understanding what you have worked hard to build.

Call (833) 878-2820 or visit swartsmanning.com to request a free quote today!

07/31/2026

Your standard home and auto policies may not be enough to protect everything you’ve built. ☂️

A personal umbrella policy can provide additional liability protection above your existing coverage limits, helping protect your assets, income, and future from larger claims.

Through our partnership with Mercury Insurance, Swarts Manning helps personal lines clients evaluate coverage options that fit their household, assets, and everyday risks.

Umbrella insurance may be especially important if you have:

✔ Teen drivers
✔ Rental properties
✔ Watercraft or recreational vehicles
✔ Guests frequently at your home
✔ Higher-value assets to protect

The right question is not just, “Am I insured?”
It’s, “Am I protected enough?”

Call (833) 878-2820 or visit www.swartsmanning.com to speak to an expert today.

07/29/2026

We’re thrilled to share that a member of our team, Joey Mott, is taking his industry expertise into the classroom as an adjunct professor at UNLV’s Lee Business School! 📝💼

He’ll be teaching Finance 322: Insurance & Risk Management and helping prepare the next generation of insurance and risk management professionals in our community.

We’re excited to see the positive impact he will have on his students as he helps them build practical knowledge, confidence, and a strong foundation for their future careers. Congratulations Joey! 🎉

07/23/2026

Coverage Highlight: Cyber Liability 💻🔒

This week, we're highlighting a critical coverage for businesses of all sizes: cyber liability insurance.

As businesses become increasingly reliant on technology, cyber threats continue to grow. Cyber liability insurance helps protect your business from the financial impact of data breaches, ransomware attacks, hacking incidents, and other cybersecurity events.

In addition to helping cover legal expenses and data recovery costs, this coverage can also assist with customer notifications, credit monitoring, and business interruption expenses following a covered cyber incident. Without the right protection, a single cyberattack can result in significant financial and reputational damage.

Want to learn more? Give us a call at (833) 878-2820

07/14/2026

Many California business owners assume wildfire risk only affects properties in high-risk mountain communities. Unfortunately, that's no longer the case. 🔥🏢

As insurers continue updating their wildfire risk models, businesses across the state are seeing changes in commercial property insurance. Even properties in historically lower-risk areas may experience higher premiums, additional inspections, or new mitigation requirements.

From contractors and manufacturers to retailers, HOAs, wineries, and hospitality businesses, underwriting is becoming more detailed than ever. Carriers are looking closely at factors like defensible space, roofing materials, vegetation management, and overall property resilience when evaluating risk.

Our latest blog explains what's driving these changes, how the California FAIR Plan and wrap-around coverage may fit into the conversation, and the practical steps businesses can take today to help remain insurable in an evolving market.

The insurance landscape is changing, but being proactive can help you avoid surprises at renewal and better position your business for the future.

Read the full blog below ⬇️

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How is California’s changing wildfire risk scoring affecting commercial property insurance? In many cases, carriers are looking more closely at property-level wildfire exposure, building materials, vegetation, fire protection access, prior loss history, and documented mitigation. As a result, busi...

07/09/2026

Your home may have changed more than your policy has. 🏡

Renovations, rising rebuild costs, custom finishes, new valuables, and lifestyle changes can all impact whether your homeowners insurance still fits.

Through our partnership with Mercury Insurance, Swarts Manning helps private clients explore home insurance solutions designed around their needs, lifestyle, and budget.

A coverage review can help uncover gaps in:
✔ Dwelling limits
✔ Replacement cost coverage
✔ Renovations and additions
✔ Jewelry, valuables, and collections
✔ Personal liability protection

Let’s make sure your home insurance has kept up with the life you’ve built. Call (833) 878-2820 or visit www.swartsmanning.com to speak to an expert today.