Guides
News
B. F. Saul Insurance’s Third Annual “Paddle for a Purpose” Raises Over $12,000 for Manna Food Center
B. F. Saul Insurance hosted its third annual charity pickleball tournament, Paddle for a Purpose, on October 17, 2025 at Dill Dinkers, North Bethesda...
Blog
What Does Terrorism Insurance Actually Cover? How the TRIA Program Protects Businesses
In the wake of the 9/11 attack, the US government passed the Terrorism Risk Insurance Act (TRIA) of 2002 to address the fast-growing concerns around...
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Case Study: How B. F. Saul Helped a Hotel Group Weather a Disaster
One Malfunction, $5 Million in Damage
Nobody expects a disaster to happen to them... until it does.
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How Smart Homeowners Reduce Risk: Expert Strategies for Preventing Claims and Lowering Premiums
Two homeowners were out of town when their $5 million Washington, D.C. residence experienced a scenario nobody ever wants to face. A sprinkler line...
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Low Risk Isn’t No Risk: Texas Floods Show It’s Time to Reconsider Flood Insurance
The recent flooding across Texas has left communities reeling and raised urgent questions about how homeowners can protect themselves from...
Blog
If You’re Hosting a Summer Event at Home, Add “Insurance” to Your Checklist
You’ve finalized the guest list, hired a caterer, lined up entertainment, and planned the perfect décor. But have you considered the risks of hosting...
Blog
Why Businesses and Individuals Need Directors & Officers Insurance to Protect Their Assets
If you serve on an organization’s executive team or board, you make decisions every day that impact the company’s fate. Though you might not realize...
Blog
How a Personal Property Inventory Can Protect You if the Unthinkable Happens
No one wants to consider the possibility of a major loss to our home. However, a fire, hurricane, or flood can do significant damage to your house...
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Mitigating the Four Leading Risks for Senior Living Facilities
If you run an assisted living, skilled nursing care, or other senior living facility, the nature of your operations creates significant challenges...
Blog
Is Your Business Exposed to AI Risks? The Answer Might Surprise You
AI is one of the hottest topics among business leaders across every industry. In the media, at conferences, and around the boardroom table, AI...
Guides
Protect Your Assets: Understanding the Rise of Nuclear Verdicts
Lawsuit verdicts exceeding $10 million—commonly known as “nuclear verdicts”—are becoming increasingly frequent, posing a significant threat to...
Blog
Why Successful Individuals and Families Need Cyber Insurance
Cybercriminals are becoming more creative every day, and they often target people with high incomes and substantial assets. According to a Chubb...
News
B. F. Saul Insurance Welcomes Ben Guttman as New Commercial Lines Producer
B. F. Saul Insurance, a leading independent insurance advisory firm known for providing tailored coverage solutions and risk management expertise, is...
Guides
Determining The Right D&O Insurance Limits for Your Private Business or Nonprofit
Directors and officers (D&O) insurance is critical for any private company or nonprofit organization that employs these professionals.
Most...
Videos
What to Expect from Personal Insurance in 2025
The world of personal insurance is evolving, and staying informed is key to ensuring your coverage keeps up with emerging risks. In this video, Erika...
Blog
How the Los Angeles Wildfires Will Shape the Future of Homeowner’s Insurance
The devastating wildfires that ravaged Pacific Palisades and other Los Angeles neighborhoods in January have left many residents without homes. As...
Guides
2025 Outlook for the US Business Insurance Market
The volatility and uncertainty of the past several years continue to weigh on the commercial insurance landscape, driven by persistent trends like...
Blog
Why Burn Bans Are Hitting Maryland and How to Protect Your Home
If you felt like it was a particularly dry fall in and around Maryland, it wasn’t your imagination: 2024 was a historically dry season for much of...
Guides
2025 Outlook for the US Personal Insurance Market
Consumers have weathered the effects of a dynamic market for personal insurance over the last couple of years, with climate change impacts, rising...
News
B. F. Saul Insurance Welcomes John Horcher, Jr. as New Commercial Lines Producer
B. F. Saul Insurance, a leading independent insurance advisory firm known for providing tailored insurance solutions and risk management services, is...
Guides
Your Guide to Preparing for an Insurance Company Audit
Insurance policies such as general liability (GL) and workers’ compensation are auditable each year by your insurance company. Though the audit...
Blog
Disney Restaurant Lawsuit Underscores the Importance of The Right Liability Insurance
Disney is battling a wrongful death lawsuit after a woman who ate at a Disney Springs restaurant died, allegedly following an allergic reaction to...
News
Second Annual Pickleball Tournament Raises $13,000 for The Children’s Inn at NIH
B. F. Saul Insurance, a leading independent insurance advisory firm providing customized insurance solutions and risk management, recently hosted a...
Videos
Client Testimonial: How B. F. Saul Insurance Provided Support after a Home Fire
In this video, B. F. Saul Insurance client Stacy Murchison shares her powerful experience, highlighting how we helped her navigate one of the most...
Videos
Navigating the Rising Costs of Liability Claims: Key Trends for 2024
In this video, Brandon Newlands, Esq., Senior Vice President, Senior Director of Coverage & Claims, discusses emerging trends in liability and auto...
Blog
Car Shopping on a Holiday Weekend? Don’t Forget Insurance
You’ve been thinking about upgrading to a new vehicle with the latest high-tech features, and now the dealerships are inundating you with promotions...
Blog
Protecting Your Business as Liability Insurance Becomes More Challenging
Any business can be hit with a liability lawsuit, no matter your industry or the size of your company. A commercial umbrella or excess liability...
Guides
Everything You Need to Know About Insurance for Law Firms
The evolving litigation landscape has completely altered the risks that a typical law firm faces in the process of serving its clients, making it...
Blog
Tornadoes Are Growing More Common…But Are You Covered?
When tornadoes touched down in Montgomery County, Maryland and other parts of the state on June 5, it was an unusual experience for many residents....
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Buying Property in Florida or California? Keep These Insurance Considerations in Mind
Property owners in Florida and California have been hit with the realities of skyrocketing homeowner’s insurance rates and insurers exiting the...
Blog
Is Your Lender Failing to Keep Up with the Commercial Property Market?
There’s a growing gap between what commercial property insurers are willing to offer in a policy contract and the insurance requirements imposed by a...
Guides
Everything You Need to Know About Commercial Real Estate Insurance
A convergence of macroeconomic and industry-specific trends is making it more complex than ever for commercial real estate businesses to obtain the...
Blog
Eye in the Sky: As Insurers Use Drones to Collect Data on Your Home, What Can You Expect?
Imagine receiving a letter from your homeowner’s insurance company stating that they’ve taken aerial photos of your property using a drone, those...
Guides
Everything You Need to Know About Insurance for Nonprofits
Though every nonprofit organization operates a little differently, most have unique exposures that companies in the for-profit world might not have....
Blog
When An Insurer is Downgraded, What Does it Mean for You?
When the news hit that State Farm General (which provides homeowner’s insurance in California) had been downgraded by A.M. Best, it triggered a...
Blog
A Look at What Modern Kidnap & Ransom Policies Should Cover
No one likes to consider that they or a loved one could be the victim of a kidnap or ransom (K&R) incident. But for certain individuals, the...
News
Guides
Everything You Need to Know About Insurance for Government Contractors
Government contracting businesses tend to have more operational complexities than companies in other sectors, for a variety of reasons. If you do...
Blog
The Insurance Implications of the Merck Cyberhack Settlement
The Story
Pharmaceutical giant Merck & Co. Inc. reached a settlement last month that put an end to its extensive cyberattack insurance dispute. The...
Blog
How To Navigate the Volatile Homeowner's Insurance Market
The Story
The cost and availability of homeowner’s insurance in the United States are reaching critical levels, impacting the housing market. The...
Videos
Frequently Asked Questions about High-Net-Worth Insurance
With over two decades of experience in the insurance industry, Shannon Smithson brings her expertise as an Account Manager on the Personal Lines team...
News
Guides
2024 Outlook for the US Business Insurance Market
The business insurance landscape is increasingly complex and volatile, driven by impactful trends like high inflation, increasingly excessive...
Blog
4 Essential Coverages for Protecting Your High-Net-Worth Assets
While most individuals and families don’t think of themselves in terms of labels like “high net worth,” many people meet the definition just based on...
Guides
2024 Outlook for the US Personal Insurance Market
The US market for personal insurance will remain volatile in the coming year, influenced by extreme weather patterns that have become the norm,...
Blog
Why You Need Insurance Specific to Your GovCon Business
Government contracting can prove lucrative, especially if you offer high-demand or specialized services. Yet, if you do business with the US federal...
Blog
8 Insurance Policies Your Law Firm Needs
Law firm executives are no strangers to the importance of insurance in protecting your assets and mitigating risks. And while no one particularly...
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Insurance for Nonprofit Organizations: Your Most Frequently Asked Questions Answered
Like any organization today, nonprofits face a range of risks that could expose you to significant financial loss and reputational harm if you don’t...
Guides
A Law Firm’s Guide to Protecting Assets and Mitigating Risk
As a law firm managing partner, you are well aware that insurance is one of your larger operating expenses.
News
Inaugural Paddle for a Purpose Pickleball Tournament Raises Nearly $13,000 for SHARE Food Network
B. F. Saul Insurance recently hosted a charity pickleball tournament that raised nearly $13,000 for SHARE Food Network, a program of Catholic...
Blog
Travel is on the Rise—Are You and Your Employees Protected?
Several years after COVID first hit the US, the travel industry is seeing a rise in both business and personal trips. A Forbes Advisor survey found...
News
Erika L. Marino Featured in MoCo360 Magazine
Check out our feature in MoCo360 Magazine! The November/December 2023 issue highlights local, successful financial professionals and we had the...
Blog
4 Effective Strategies to Mitigate Your Risk of a Commercial Property Claim
The commercial property insurance landscape has always been dynamic, but it’s even more so today. Rates have risen for the past 24 quarters and early...
Blog
Case Study: Real Estate Investor Secures Better Coverage and Avoids Big Renewal Hikes with B. F. Saul Insurance
The Challenge: Reduce Property Risk in a Tight Market
Guides
Analyzing Your Nonprofit Insurance Program in a New Leadership Role
Whether you’ve recently joined a nonprofit from another industry, or you’ve taken a leadership role in a nonprofit after working in other roles with...
Videos
Preparing for a Potential EPL Claim
Brandon Newlands, Esq., SVP of Coverage and Claims at B.F. Saul Insurance, provides his expert knowledge on what you should do to prepare in the...
Blog
4 Factors That Influence How Much Umbrella Liability Insurance Your Business Needs
Many organizations maintain various liability insurance coverages to protect themselves against claims for damages arising out of legal liability to...
Guides
Top Lessons Learned from Real-World Cyber Attacks on Nonprofits & Professional Services Firms
Over the past decade, the incidence of cybersecurity attacks has been escalating at an alarming rate, with Cybersecurity Ventures estimating the...
Blog
What Service Should Your Business Expect from an Independent Insurance Advisor?
For businesses with complex insurance needs and limited in-house resources to devote to managing risk, working with an independent advisor or broker...
Blog
Case Study: B. F. Saul Insurance Helps Hillel International Reduce Risk and Fill Coverage Gaps
The Situation: A Non-Profit with a Diverse Affiliate Network
Blog
Insurance for Government Contractors: Your Most Frequently Asked Questions Answered
Working with the US federal government can prove lucrative, especially in certain industries. But as with all sectors, it presents unique risks and...
Blog
As Your Company Grows and Evolves, So Does the Tangled Web of E&O, Cyber, and General Liability Risks
As your business grows, your insurance needs inevitably change—sometimes in ways that create new and different risks or increase the odds that your...
Blog
Buying a Second Home? Be Sure to Protect Yourself Against These 5 Top Risks
Whether you purchase a second home as a rental property or strictly for your own use, protecting it from risk takes a different approach than...
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An Insurance Advisor Can Help Protect Your Personal Assets: Here’s What to Look For
For individuals and families with significant assets, insurance should be a critical part of your plan for protecting what you value. But while most...
News
As Major Insurers Pull Out of California, What’s a Homeowner to Do?
The news that State Farm and Allstate will stop writing new homeowner’s policies in California sent shock-waves through the state. Citing increased...
Blog
The D&O Insurance Pricing Rollercoaster: What Happens Next, and How Should You Prepare?
Although Directors & Officers (D&O) Liability claims tend to be less frequent than General Liability claims, when they do arise, they can be severe....
Guides
Why Is the Cost of my Personal Insurance Escalating?
Rates for personal home, auto, umbrella, and other insurance categories have been on the rise this year. Download this infographic to find out how...
News
Will Florida’s Sweeping Tort Reform Provide Relief for Companies from Rising General Liability Costs? 4 Ways HB 837 Could Reduce Premiums and Improve Coverage Availability
For years, companies doing business in Florida have experienced dramatic increases in their premiums, and in some cases non-renewal notices, for...
Blog
Insurance FAQs for Successful Individuals and Families: A Look at What’s on Your Mind
When you work hard and build up significant assets, what you own and how you live creates different or more complex risks. Whether you own multiple...
Guides
Buying and Insuring Commercial Real Estate: Your Checklist of Key Considerations to Keep in Mind
It’s a challenging time to buy and insure commercial property with confidence.
Whether you own and operate a portfolio of commercial buildings,...
Blog
Are You Overpaying for High-Net-Worth Insurance—And Still Under-Protected?
When you buy insurance, you assume you’re protected in the event something goes wrong. But what if you’re not really covered for the risks you’re...
Blog
How Much Insurance Do I Need to Cover My Nonprofit Event?
If you run a nonprofit organization, such as an association or public charity, events likely play an important role in your operations. Some...
Blog
What’s on Your Mind? Frequently Asked Questions (FAQs) About Commercial Property Insurance
Protecting your commercial properties with the right insurance is critical to ensure you’re sufficiently covered for the risks you might face. Yet,...
Guides
Everything You Need to Know About Independent Insurance Advisors
An insurance advisor is an independent firm that works on behalf of its clients. Advisors don’t work for the insurance companies, and they don’t...
Videos
Trends in the Commercial Insurance Market (Q1 2023)
B. F. Saul Insurance commercial lines account executives Jennifer Neal and Adrienne Schickert discuss commercial insurance trends they are seeing in...
Blog
These 3 Risks Top the List for High-Net-Worth Individuals and Families
Once you’ve built up a large portfolio of assets, it’s important that you take the right steps to protect it from risk. For high-net-worth...
Blog
How Much Should I Expect to Pay for My Business Insurance?
Maybe you recently received your renewal notice for a particular line of coverage and were surprised at the rate increase. Perhaps you’re shopping...
Blog
Case Study: B. F. Saul Insurance Optimizes a $10 Million Event Cancellation Claim Through Expertise and Persistence
The Situation: A Pandemic Creates Travel Uncertainties
Blog
What to Expect from a Volatile Commercial Property Insurance Market in 2023
The property insurance market is dynamic, always responding to current macroeconomic trends and the industry’s recent claims history. Even if you...
Guides
The State of the US Commercial Insurance Market
Securing the right commercial insurance has always been a complex undertaking, with many factors influencing market capacity, underwriting...
Blog
Are You Putting Yourself at Risk of an Uncovered Claim? Your Policy Definitions Play a Key Role
When you purchase commercial insurance, you probably focus most of your attention on obtaining the right type of coverage and sufficient policy...
Blog
Wondering Whether a Captive is a Good Alternative to Traditional Insurance? Here’s What You Need to Know
At some point, most organizations look at what they’re spending annually on insurance and question whether they can reduce their costs. That’s...
Blog
Your Employment Practices Can Create Risks—Are You Sufficiently Covered?
Societal trends make it more likely than ever that your company could face a lawsuit related to how you handle your employment practices. And social...
News
B.F. Saul Insurance Featured in Bethesda Magazine
Check out our feature in Bethesda Magazine! This month's issue highlights local, successful women in business and we had the chance to spotlight two...
Blog
What Mid-Sized Law Firms Need to Know About Lawyers’ Professional Liability Insurance
As an attorney, you’re well-versed in how to respond when a client is faced with a lawsuit. But the nature of your work makes you and your firm...
Blog
The Insurance Company Panel Counsel: The Best Advocate You May Not Know About
When you purchase commercial liability insurance—whether for general liability or specialized risks like director’s & officer’s (D&O) or errors &...
Guides
The State of the US Personal Insurance Market
The personal insurance market is in a state of flux, impacted by macro trends and forces with significant implications for insureds and the various...
Blog
The State of the Commercial Builder’s Risk Market: How Volatile Conditions Could Impact Your Project
Whether you’re developing new commercial properties or renovating existing properties, access to builder’s risk insurance is essential to protecting...
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Before You Start a Home Renovation Project, Consider the Impact on Your Insurance
When you’re ready to renovate your home, there is a lot to think about—from planning out the work to be done, to selecting contractors and materials,...
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Why Successful Families Need Umbrella Liability Coverage, At Higher Limits Than They Think
Families with one or more high-end homes, luxury vehicles, jewelry, or art collections and many income-producing years ahead of them are at...
Blog
Hurricane Ian Underscores Why Everyone Needs Flood Insurance (Not Just Beach Homeowners)
Images of the devastation that Hurricane Ian caused in Florida are both heart-wrenching and eye-opening. At first glance, it’s easy to focus on the...
Blog
Is Your Commercial Property Insured to the Right Value? The Answer May Be an Unpleasant, Costly Surprise
Commercial property owners take care to insure their buildings against physical damage and business interruption. But if you have not insured your...
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Financial Advisors: Is Your Value Proposition Missing This Key Element?
The financial advisory industry is competitive and crowded, which can make it difficult to stand out. To differentiate yourself from the competition,...
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Are Your Exotic Hardwood Floors, In-Home Spa, or Guest House Covered by the Right Insurance? How Insuring to Value Can Protect Your Unique Property
You’ve built or renovated a custom home with high-end finishes and distinct characteristics that reflect your personal style. Or maybe you’ve...
Guides
Private Client Insurance Risk Assessment Checklist
What you own and what you do can increase your liability risk.
Whether you own high-value assets or engage in activities that come with risk, you...
Blog
What Every Business Should Know about Business Travel Accident (BTA) Insurance
Most businesses will do anything in their power to keep their employees safe from the expected (e.g., providing health insurance) to the routine...
Blog
Commercial Insurance State of the Market: Q3 2022
Halfway through Q3 of 2022, it’s clear that clients are facing a variety of challenges in the market, whether due to increasing premiums, a reduction...
Blog
Cyber 101: Your Beginner's Guide on Cyber Insurance for Businesses
With cyber attacks severely increasing and showing no signs of slowing down, it is important for businesses and individuals to know their cyber...
Guides
Hurricane Season Awareness and Preparation Guide
Each year, the beginning of the season comes with a prediction from the National Oceanic and Atmospheric Administration (NOAA). This year the...
Blog
Top Tips on How Your Claims Process (and Advisor) Can Work for You
When working with an insurance agency, as a policyholder you should be aware of the opportunities to have your claims process (and insurance advisor)...
Blog
The Difference Between Insurance Brokers and Insurance Companies
When you have an insurance claim and realize you aren’t covered properly to fully replace a personal asset or business loss, it’s too late to correct...
News
Lanie Raphael Profiled by Big I Independent Agent Magazine
Personal Lines Practice Leader, Lanie Raphael, has been profiled in the Declaration of Independents feature in the August edition of BIG I...
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BFSI Welcomes Brandon Newlands to Lead Claims Advocacy Practice
B.F. Saul Insurance (BFSI), a Bethesda, MD based regional insurance brokerage and risk advisory firm, announced the addition of Brandon Newlands
News
BFSI supports community at the Catholic Charities Cup of Joe program
BF Saul Insurance (BFSI), a Bethesda, MD based regional insurance brokerage and risk advisory firm, volunteers at the Cup of Joe. The team spent the...
News
Jason B. Jones joins BFSI as President
B.F. Saul Insurance (BFSI), a Bethesda, MD based regional insurance brokerage and risk advisory firm, announced that Jason B. Jones has joined the...