US insurance buyer guides
Specific, source-backed buyer guides for niche US insurance categories. Each guide names the modal carrier, lists when to pick something else, and shows the evidence we used to reach the call. No generic 'top 10' filler.
Essays in this cluster
- Published 2026-05-17
Cyber insurance for a law firm — Chubb for traditional, Hiscox for solo, Coalition for tech-forward. Here's why.
Most law-firm cyber buying gets framed as a carrier beauty contest. The actual question is which firm shape you are, because the three credible carriers split the market by firm size and tech posture — not by price.
- Published 2026-05-07
Trucking insurance in 2026 — nuclear verdicts hardened the market. Here's who's actually writing.
Trucking insurance hardened materially between 2018 and 2024 — driven by nuclear verdicts in trucking-accident litigation. Here's who's still writing you in 2026, depending on how many trucks you run.
- Published 2026-05-07
Workers comp for small business — class codes drive everything. Here's how to get them right.
Workers comp is the biggest insurance line item for most small businesses with employees. The class code your employees are assigned drives almost everything. Here's how to manage it.
- Published 2026-05-07
Umbrella insurance for HNW households — Chubb is the default. Here's when to look elsewhere.
If you have meaningful assets to protect, the standard umbrella tacked onto your homeowners policy isn't enough. HNW households typically need much higher limits from a specialty carrier. The cost per million of coverage is generally low.
- Published 2026-05-07
Malpractice insurance for therapists — license-defense coverage is the underrated thing to get right.
Therapist malpractice insurance is more about defending you against state licensing-board complaints than civil lawsuits. License-defense coverage is the part most therapists undervalue. Here's what to buy.
- Published 2026-05-07
Contractor insurance — workers comp is the line that actually drives your cost.
Contractor insurance has many moving parts, but workers comp typically dominates the cost. Get the class codes right and the safety record disciplined, and the rest follows.
- Published 2026-05-07
E&O insurance for software developers — what it covers, what it doesn't, and which carrier to pick.
If your software fails and a customer loses money because of it, E&O is the coverage that pays. It's different from cyber (data breaches) and D&O (leadership). Here's how to pick.
- Published 2026-05-07
Restaurant insurance — your BOP isn't enough if you serve alcohol. Here's the structure.
Restaurant insurance has more pieces than most small businesses — BOP, workers comp, liquor liability, and a few more. Here's the structure and which carriers do each part well.
- Published 2026-05-07
D&O insurance for a fintech startup — the 3 things that actually matter, and why most quotes get them wrong.
Most fintech founders shopping D&O focus on premium. The thing that actually decides whether your policy pays out: how it handles regulatory investigations. Here's what to check before binding.
- Published 2026-05-07
Texas home insurance in 2026 — hail killed the soft market. Here's what to know.
Texas home insurance is more accessible than California or Florida, but harder than it was 5 years ago. The biggest cost driver is your roof age. Here's the buying motion that works in 2026.
- Published 2026-05-07
Florida home insurance is broken. Here's what you can actually buy in 2026.
Florida's home insurance market has been severely disrupted since 2018. The big national insurers won't write your coastal home anymore. Most coastal Floridians end up on Citizens — the state-backed last-resort. Here's how to figure out what's available for your specific home.
- Published 2026-05-07
Cyber insurance for a healthcare practice — what HIPAA actually requires you to have.
If you run a healthcare practice, cyber insurance is more complicated than for other small businesses. The reason: HIPAA. Generic cyber policies often miss what HIPAA actually requires. Here's what to look for.
- Published 2026-05-07
California killed its home insurance market. Here's what you can actually buy.
If you live in a California fire zone, most big insurers won't sell you a normal policy anymore. Here's what's actually still available, and what to do.
- Published 2026-05-07
Cyber insurance for a fintech — Coalition is the modal pick. Here's when to pick something else.
Coalition has become the default cyber carrier for most fintech startups in 2026. But it's not always the right pick. Here's when to go elsewhere and what to actually negotiate.
- Published 2026-05-07
Car insurance for rideshare drivers — your regular policy has a gap. Here's how to close it.
Standard car insurance doesn't cover you when the rideshare app is on. You need a TNC endorsement — a small add-on to your regular policy. Here's which carriers offer it and how to choose.
- Published 2026-05-07
Insuring a historic home — the standard policy will leave you short on a claim.
Standard home insurance pays to rebuild your house. For a historic home, that's not enough — you need a policy that covers the original craftsmanship, not just modern materials. Three carriers do this well.
- Published 2026-05-07
Condo insurance — what you insure vs what your HOA insures, and which carrier to pick.
Condo insurance is simpler than house insurance but the structure trips most people up. You're insuring your stuff, your interior walls in, and your liability — not the building. Your HOA's master policy does the building. Here's how to actually buy it.
- Published 2026-05-07
Insuring a luxury home — Chubb is the default. Here's when to consider PURE or AIG instead.
If your home is worth more than $1.5M, standard home insurance doesn't fit. You need a high-net-worth (HNW) specialty carrier. Three carriers cover most of the market — here's when to pick each.
- Published 2026-05-07
Cyber insurance for a SaaS startup — Coalition if your CTO buys, Chubb if your CFO buys.
Most SaaS founders pick cyber insurance by reading 'best carrier' guides and getting confused. The cleaner approach: decide what you're optimizing for first. Then the carrier picks itself.