The Knox Blog
Insurance insights for real life
Practical guides, coverage explainers, and industry updates from our team of independent brokers — written for California businesses and families.
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Insuring Older Apartment Buildings: Federal Pacific Panels, Knob-and-Tube, Galvanized Plumbing, and the Path Back to the Standard Market
Why carriers decline pre-1980 apartment buildings, what Federal Pacific and Zinsco panels, knob-and-tube and aluminum wiring, and galvanized plumbing actually mean to an underwriter, and the inspection-and-remediation sequence that gets an older building out of the surplus lines market and back to standard pricing.
Workers' Compensation for Contractors: The 2026 Multi-State Guide
A practical guide to workers' compensation for contractors in 2026 — why it costs what it does, how class codes and your experience mod drive price, the subcontractor and 1099 traps, and how coverage works when your crews cross state lines.
Apartment Building Insurance in California — A 2026 Owner's Guide
What multifamily and apartment owners need to know about insurance in 2026 — core coverages, what drives cost, hard-to-place risks like habitability coverage and older buildings with outdated electrical, and how to insure a growing portfolio.
How to Lower Your Workers' Comp Premium in 2026 (California Employer's Guide)
Seven proven ways California employers cut workers' compensation costs in 2026 — from experience mod management and class-code audits to multi-state programs and shopping the market.
Multi-State Workers' Comp: A Guide for California Employers Crossing State Lines (2026)
How California employers cover employees who work across state lines — extraterritorial rules, monopolistic states, other-states coverage, and how to avoid dangerous gaps.
Restaurant Insurance in 2026: What It Costs, What You Actually Need, and the Coverage Gaps That Sink Owners
A complete guide to restaurant insurance costs and coverage in 2026 — real premium numbers, which policies you actually need, and the expensive coverage gaps that catch restaurant owners off guard.
7 Cyber Insurance Mistakes That Will Wreck Your Small Business in 2026
Cyber claims are at record highs and insurers are denying coverage faster than ever. Here are the most common, most expensive cyber insurance mistakes small businesses are making in 2026 — and how to fix them before you need the policy.
What California Contractors Need to Know About Workers' Comp in 2026
A plain-English guide to workers' compensation requirements, classification codes, and how to keep your premiums under control as a licensed contractor.
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