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      <image:title>News - Work Coverage Matters - The work being performed matters as much as the trade itself.</image:title>
      <image:caption>Contractors can face liability from third-party bodily injury, property damage, completed operations, subcontracted work, and the environments in which they operate. Understanding those exposures upfront helps underwriters assess the risk more accurately and identify where additional information may be needed.</image:caption>
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      <image:title>News - Hidden Exposures - The value of a machine is only part of the exposure.</image:title>
      <image:caption>Contractors rely on equipment to keep projects moving – so a theft or major loss can quickly create ripple effects beyond the damaged or missing asset itself, including: downtime, emergency rentals, scheduling delays, and added project costs.</image:caption>
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      <image:caption>This risk was complicated. It involved varied occupancies, significant scale, and a loss history that would never be ignored by markets. The account sat with a large international broker… and “on paper,” there was no reason for it to move.</image:caption>
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      <image:title>News - Pollution Exposure:  What We’re Seeing - Pollution exposure is not limited to businesses handling obviously hazardous materials.</image:title>
      <image:caption>Contractors, manufacturers, property owners, and service businesses can all face environmental risks depending on their operations, locations, transportation activities, and waste-disposal practices.</image:caption>
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      <image:title>News - The Evolution of Cyber Insurance: a Changing Landscape - Cyber insurance continues to evolve alongside the changing threat landscape…</image:title>
      <image:caption>…but recent industry discussion highlights a growing disconnect between risk management expectations and client confidence in coverage.</image:caption>
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