Insights on commercial insurance, policy review, and protecting your business.
January 15, 2026 · Don Halliwell & Aaron Reese
We're excited to announce our partnership with TrustLayer, the industry leader in third-party risk management. TrustLayer customers can now access PolicyReview's AI-powered policy analysis.
December 8, 2025 · Aaron Reese
Insurance policies are written by lawyers for other lawyers. This is not an accident. Let me translate the most important parts of your commercial coverage into something resembling human language.
October 30, 2025 · Aaron Reese
Here's an uncomfortable truth about the insurance industry: the policy review you receive from your broker is, in most cases, marketing material dressed up as analysis.
September 15, 2025 · Don Halliwell
In 2023, roughly 40% of small businesses that experienced a significant uninsured loss were out of business within two years. Not struggling. Out of business.
July 28, 2025 · Don Halliwell
I'm going to ask you to do something uncomfortable: pull out your commercial insurance policy and look at it. Not the declarations page. Not the certificate. The actual policy.
June 10, 2025 · Don Halliwell
Commercial insurance policies are built in layers. The base policy provides standard coverage. Endorsements modify that coverage—adding it, removing it, or changing how it works. Most business owners can't name the endorsements attached to their policies.
May 18, 2025 · Aaron Reese
Your commercial insurance premium isn't a number someone invented. It's a calculation—one that balances your specific risk profile against actuarial data, market conditions, and the carrier's appetite for your type of business.
April 22, 2025 · Don Halliwell
Let's talk about a market failure that nobody wants to discuss because it implicates too many people who wear nice suits. Commercial insurance is a $850 billion industry built on information asymmetry.
March 8, 2025 · Don Halliwell
Pop quiz: Without looking at your commercial insurance policy, name three things it explicitly doesn't cover. If you're like 94% of the business owners I've talked to, you just stared at that question like I'd asked you to recite the periodic table backwards.
January 15, 2025 · Don Halliwell
Here is a fact that should trouble you: the average commercial insurance policy runs between 50 and 200 pages. The average business owner spends less than fifteen minutes reviewing it before signing.
December 18, 2024 · Don Halliwell & Aaron Reese
There's a moment that sticks with me. I was talking to a bakery owner named Maria—third-generation family business, 12 employees. She'd just had a claim denied. Water damage from a burst pipe. Should have been straightforward.
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