General liability, professional liability, workers' comp, commercial auto and cyber insurance rate moves and coverage changes by state and industry, insurer withdrawals from small business lines, new exclusions for AI, data and contractor work, certificate and additional insured requirement changes from platforms and clients, state minimum coverage rule changes, cyber incident notification rules for small firms and insurer enforcement and claims data, with the carrier, state or line first and the effect for a business paying $3,000 a year.