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If you're running a federal contracting business out of Northern Virginia, suburban Maryland, or DC proper, you've almost certainly seen the words "performance bond required" in a solicitation. Most contractors understand that a bond is a requirement. Fewer understand exactly what it requires of them — their financials, their relationships, their timeline — before they can even submit a

When the current-events wire is quiet, sometimes the most useful thing an agency can do is flag the coverage pattern that generates the most surprised looks at renewal time. This season, that pattern is backyard amenities — specifically, what happens to a standard homeowners policy when the yard contains a pool, a hot tub, or a trampoline. None of

If you own meaningful things — jewelry, art, wine, instruments, firearms, silver — your standard homeowners policy is probably not covering them the way you think it is. This matters most in the DC metro, where a Great Falls household might have a Steinway in the living room, a Bethesda wine cellar, and an engagement ring that cost more

If you've spent the last few years upgrading your house — a whole-home audio system here, a leak detection network there, a smart lock ecosystem, a video surveillance array, maybe a home battery paired with rooftop solar — your homeowners policy may be running well behind what you actually own. Not because you chose bad coverage. Because the house

We've been placing errors and omissions coverage for DC-area professional service firms long enough to have seen the same gap show up across different industries, firm sizes, and billing structures. The firms themselves are often well-run and smart about their business — and still carrying E&O limits that don't match what they're actually doing. That disconnect is worth talking