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Errors and omissions claims don't usually announce themselves early. A consulting engagement wraps up, the client moves on, and then — sometimes months later — the call comes. The advice was wrong, or the deliverable missed something, or the client made a decision based on work product that turned out to be incomplete. By the time anyone is talking
Most homeowners assume their existing policy covers whatever happens during a renovation. That assumption holds up fine when you're repainting a bedroom. It gets shaky when you're adding a second story. The distinction matters because major renovations — additions, gut kitchens, full basement finishes, accessory dwelling units — change what your home is in the middle of the process.
The DMV doesn't get hurricanes. That's what people tell themselves — and it's not quite wrong, but it's not the whole picture either. Catastrophe loss patterns across Maryland, Virginia, and DC have been shifting in ways that matter at placement time, and the changes tend to surface as claim surprises rather than renewal conversations. The "Not a Hurricane Zone"
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