Insurance, explained.
Twenty years of underwriting context, written down. Practical guides for fleet operators, contractors, restaurants, and small businesses on coverage that actually pays out — not the marketing version.
Start here.
The certificate says you're covered. The policy decides.
A certificate of insurance can't add a general contractor to your policy or promise notice of cancellation. Arizona put that into law on September 12, 2026. What protects the GC, and what to send instead.
Cyber liability and E&O are now in your subcontract.
Prime contractors, counties and universities now ask their subs for both. What each policy covers, how to read the limits, the retroactive date and the tail, and how to get a certificate that passes the first time.
Read the post →The MCS-90 isn't your coverage.
What the federal endorsement promises, who it protects, the reimbursement sentence most truckers haven't read, and how to keep every claim inside your policy.
Read the post →California workers' comp went up twice.
The benchmark rose 6.6% on September 1, 2026, after 8.7% in 2025. How your premium is built, and the three inputs you control.
Read the post →Welcome to New Decade.
Who we are, why this blog exists, and the questions we'll answer — defined jargon, sourced numbers, and always a what-you-can-do.
Read the post →More articles coming Q3 2026.
We're building this section with original guides written by the same brokers who underwrite the policies. No SEO filler. To get notified when posts publish, email info@newdecadeinsurance.com.
What we're writing about.
Commercial fleet & DOT.
FMCSA minimums, MCS-90 vs BMC-91, new authority underwriting, and how same-day COIs actually work.
In draftWorkers' Comp audits.
The subcontractor trap, EMR management, accurate payroll estimates, and how to make the audit boring.
Outline readyLiquor & food liability.
What standard restaurant policies miss — assault & battery, food contamination, and BOP gotchas.
PlannedMulti-state operations.
Coordinating GL, WC, and auto across CA, TX, FL, and AZ without juggling four brokers.
PlannedSR-22 same-day filing.
Owner vs non-owner SR-22, court orders, transferring across states, and getting back on the road.
PlannedSurety bonds & bidding.
How bonding capacity is built, what surety underwriters look at, and why it matters for prequal.
PlannedDon't wait for
the article.
Call a broker. Twenty years of context, on the phone, same business day. We answer hard questions about coverage, carriers, and price — bilingual EN/ES.