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Read our latest articles

CBD and Supplements for Pets: What Insurance Covers an Animal Adverse-Reaction Claim (2026)

July 13, 2026

CBD and Supplements for Pets: What Insurance Covers an Animal Adverse-Reaction Claim (2026)

Does insurance cover a pet supplement or pet-CBD brand for an animal adverse reaction? What product liability covers and the exclusion that voids it.

Wilmer Yan
Wilmer Yan·8 min read
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Explainers

CBD and Supplements for Pets: What Insurance Covers an Animal Adverse-Reaction Claim (2026)

July 13, 2026

Explainers

CBD and Supplements for Pets: What Insurance Covers an Animal Adverse-Reaction Claim (2026)

Does insurance cover a pet supplement or pet-CBD brand for an animal adverse reaction? What product liability covers and the exclusion that voids it.

8 min read

Waiver of Subrogation for Contractors: What It Means and When You Need It

July 13, 2026

Explainers

Waiver of Subrogation for Contractors: What It Means and When You Need It

What a waiver of subrogation means on a contractor's policy, how it works on workers' comp, GL, and auto, what it costs, and when a WC waiver is void.

9 min read

HOA Fidelity Bond and Crime Coverage: Protecting Association Funds in 2026

July 11, 2026

Explainers

HOA Fidelity Bond and Crime Coverage: Protecting Association Funds in 2026

What fidelity and crime coverage an HOA needs, how much under the Fannie and state formulas, who must be covered, and how a claim pays.

9 min read

Certificate of Insurance for Contractors: What GCs Require in 2026

July 11, 2026

Explainers

Certificate of Insurance for Contractors: What GCs Require in 2026

What a contractor's certificate of insurance must show, the ACORD 25 fields GCs read, and the endorsement wording that gets certs rejected.

9 min read

Pediatric Gummy Vitamin Injury: Kids Supplement Insurance and Liability (2026)

July 8, 2026

Explainers

Pediatric Gummy Vitamin Injury: Kids Supplement Insurance and Liability (2026)

A child overdose on gummy vitamins or melatonin stacks two claims: the injury and defective packaging. What supplement insurance covers and excludes.

9 min read

Foreign Object in the Jar: Food Contamination and Recall Insurance (2026)

July 7, 2026

Explainers

Foreign Object in the Jar: Food Contamination and Recall Insurance (2026)

Glass or metal in a food product triggers two coverages: product liability pays the injury, recall insurance pays the pull. What each covers.

9 min read

Selling Refurbished or "Renewed" Products: Are You the Manufacturer Now? (2026)

July 6, 2026

Explainers

Selling Refurbished or "Renewed" Products: Are You the Manufacturer Now? (2026)

Reselling refurbished or renewed products can make you liable as the manufacturer. What product liability covers, and what it excludes.

8 min read

Ocean Cargo Insurance for Importers: What We Find Reviewing a Commodity Trader's Program (2026)

June 30, 2026

Explainers

Ocean Cargo Insurance for Importers: What We Find Reviewing a Commodity Trader's Program (2026)

Ocean cargo insurance for importers covers goods in transit, but the Trader's E&O line that covers a rejected shipment is the piece most programs miss.

10 min read

What Insurance Does a Robotics Startup Need? What Coverwatch Finds When Founders Ask for the Wrong Lines (2026)

June 27, 2026

Explainers

What Insurance Does a Robotics Startup Need? What Coverwatch Finds When Founders Ask for the Wrong Lines (2026)

A robotics startup needs product liability for the robot and tech E&O for the software, not the inland marine and auto it usually asks for first.

10 min read

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