Business Insurance, Liability & Cyber Coverage Watch

Track insurance for US small businesses and freelancers. Report only confirmed, source-backed items from the last 7 days: rate filings of 10 percent or more, withdrawals and coverage changes by state and industry at Hiscox, Next, Thimble, Simply Business, The Hartford, Travelers, Liberty Mutual, Chubb, Nationwide, State Farm, Progressive Commercial, biBERK, Coalition, At-Bay, Corvus and Cowbell for general, professional, product and liquor liability, workers' comp, commercial auto, business owner and cyber policies; new exclusions and endorsements for AI-generated work, data, contractors and ransomware; certificate and additional insured requirement changes at platforms, marketplaces, clients and landlords; state minimum coverage and contractor bond rule changes; cyber incident notification rules for small firms; and insurer enforcement actions and claims or complaint data releases. Prefer state insurance departments, carrier pages, platform requirements, state legislatures and established insurance reporting; ignore broker marketing. Put the carrier, state or line first in the title with the number and the effect for a business paying $3,000 a year. Use high severity for a withdrawal from a line, a rate increase of 20 percent or more, or a requirement change at a platform with a million or more sellers. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do at renewal, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.