Covered.

In this episode, we trace how insurance evolved and why it's still all about transferring risk. We cover what makes some industries tough to insure, why cyber coverage has become a must-have, and how AI is fueling new threats like deepfakes while also helping catch coverage gaps. Plus, when to call your broker versus your attorney.

Liquor liability or host liquor liability? Turns out operating hours and how you make your money actually decide which one applies to you. In this episode of Covered, we get into the difference between the two, why general liability policies eventually get pushed to their limit (which is exactly why cyber and EPLI became their own separate coverages), and what happens when your business is considered higher risk and ends up in the surplus market. Spoiler: that's exactly when having a broker in your corner who actually checks a carrier's financial rating matters most.

Construction is one of the hardest industries to insure, and it changes depending on the trade. In this episode, we break down the core policies every contractor needs (general liability, workers' comp, cyber, EPLI, and more), why residential tract housing is riskier to insure than commercial work, and how we help clients navigate the claims process when something goes wrong.

Welcome to the Covered Podcast, powered by Bozzuto Insurance. In this episode, we learn the history behind this 45-year-old family-owned company.