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Plain-English guides, form explainers, and reference sheets written by licensed insurance professionals, organized by coverage line, not by date.
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General LiabilityHow the CGL policy works: coverages, endorsements, additional insureds, and the forms behind them.8 guidesCommercial PropertyBuildings, business personal property, business income, and the causes of loss forms that drive them.6 guidesCommercial AutoThe business auto policy, covered auto symbols, hired and nonowned coverage, and physical damage.4 guidesWorkers CompensationThe workers comp system, employers liability, experience mods, and waivers of subrogation.6 guidesConstructionBuilders risk, contractors equipment, contract insurance requirements, and jobsite risk.2 guidesInsurance BasicsCertificates of insurance, policy structure, claims, and the vocabulary every buyer needs.20 guides
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Explainers for the ISO forms you see on quotes, contracts, and certificates. 18 forms and growing, each with a downloadable Menlo reference sheet.
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Insurance BasicsDelos Insurance in California: Who It Writes and What the 2026 Expansion ChangedWhat Delos Insurance is, who qualifies for its California homeowners policies, and what the March 2026 expansion changed for homes stuck on the FAIR Plan.August 8, 2026Read guide
Insurance BasicsDIC Insurance: How a Difference in Conditions Policy Completes Your FAIR PlanHow a difference in conditions (DIC) policy wraps around the California FAIR Plan, what it covers, who sells one, how to match limits, and what it cannot do.August 8, 2026Read guide
Insurance BasicsEssentia Insurance Company: The Name on Your Hagerty PolicyEssentia Insurance Company (NAIC 37915) issues US Hagerty policies. Here is what changed on January 1, 2026, when Hagerty Re took 100% of the risk from Markel.August 8, 2026Read guide
Commercial AutoWhat Is the MCS-90 Endorsement? A Federal Guarantee, Not InsuranceThe MCS-90 endorsement is a federal judgment guarantee, not insurance. The insurer pays the injured public, then bills your trucking company back for it.August 8, 2026Read guide
Insurance BasicsIs ERGO NEXT the Same as Next Insurance? What the Rebrand Changes for YouNext Insurance rebranded as ERGO NEXT in January 2026 after Munich Re's $2.6B deal. What changes on your policy and COI, and who the carrier actually fits.August 8, 2026Read guide
Insurance BasicsWho Underwrites Classic Car Insurance? Five Brands, One CarrierGrundy, American Collectors, J.C. Taylor, Condon Skelly, and Heacock Classic now share one carrier group. See who underwrites each classic car insurance brand.August 8, 2026Read guide