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The Library.
Three rooms. The Policy Post is where we publish new writing weekly. Reading guides are long form. The dictionary is a reference you can pull when a term shows up that you do not recognize.
The Policy Post
What we are seeing in the Kansas City market each week. Hardening cycles, carrier withdrawals, claims patterns we keep running into. Not a blog about us. A blog about the industry, from where we sit.
Reading guides
How GL really works. What cyber actually pays for in a small business breach. Coinsurance math, with the numbers shown. Each guide runs 4 to 8 chapters and includes at least one real KC claim story.
- 01How GL really works18 minThe four endorsements that change everything.
- 02How to read a dec page12 minTop to bottom, line by line, what each section is actually saying.
- 03Coinsurance and business interruption, with the math shown22 minThe numbers nobody shows you, worked out on the page.
- 04What cyber actually pays for in a small business breach14 minSub-limits, first party vs third party, the dollar figures.
- 05Workers comp audits, and how to dispute them18 minClass codes, payroll definitions, the appeal letter template.
The glossary
Every term we use. Confused pairs sit next to each other. Where-to-start shortcuts for the situations people show up with. No more wondering what "actual cash value" actually means.