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General Motors Insurance Expands to Arkansas, Colorado, and Louisiana

General Motors Insurance Expands to Arkansas, Colorado, and Louisiana

General Motors Insurance has broadened its reach, announcing availability in three additional states: Arkansas, Colorado, and Louisiana. This brings the total number of states where the program operates to 17.

The insurance product is available for Chevrolet, Buick, GMC, and Cadillac vehicles with a model year of 2016 or newer. According to General Motors Insurance, policyholders can benefit from features such as in-vehicle technology integration, accident forgiveness, and deductible waivers.

The program uses connected vehicle data to inform its pricing and coverage, gathering information such as driving time of day and duration, miles driven, speed, changes in speed, and seat belt usage. This telematics-based approach is designed to reward safe driving habits.

Regulatory Background in Louisiana

The Louisiana Department of Insurance (LDI) clarified that General Motors-affiliated insurance entities are not new entrants to the state. GM National Insurance Company has held a certificate of authority to write motor vehicle insurance in Louisiana since 2006. In addition, General Motors Insurance Services, Inc. — the affiliated agency that markets and sells policies — has been licensed as a producer agency in Louisiana since 2019.

In December 2024, GM National Insurance Company submitted a new private passenger auto insurance product for review. LDI completed its File and Use review process in February 2025, finding the company’s manual rates and rules in compliance. The policy form filing was approved in March 2025, and the program became effective in July 2025.

The newly approved product incorporates telematics technology to personalize insurance pricing, a practice that aligns with other usage-based insurance models already present in Louisiana and nationally.

State and Legislative Responses

Louisiana Governor Jeff Landry welcomed the program’s availability in the state, connecting it to recent legislative efforts aimed at insurance reform. “General Motors Insurance coming to Louisiana is a testament to the work we accomplished this legislative session to bring about real insurance reform,” Landry stated. “Louisiana families deserve more options in this mandated market, and we are incredibly proud to welcome GM to our state.”

Louisiana Insurance Commissioner Tim Temple acknowledged the recent passage of several legal reform bills but emphasized the need for ongoing efforts to improve the state’s legal environment. “If we want to see change in our market, it starts with meaningful change in our legal environment,” Temple said. “I look forward to working with the Legislature to continue identifying the areas of our legal system that make us an outlier and addressing those distinctions to align our legal system with best state practices.”

LDI Statement on Compliance

In its formal statement, the Louisiana Department of Insurance reaffirmed its commitment to ensuring that all insurers operate within the state’s regulatory framework. The department noted that it welcomes innovation and expanded options for consumers while maintaining oversight standards. “The LDI remains committed to transparency and accuracy in the oversight of insurance operations across the state,” the department said.

Key Facts

  • General Motors Insurance is now available in 17 states, including the new additions of Arkansas, Colorado, and Louisiana.
  • Coverage applies to 2016 or newer Chevrolet, Buick, GMC, and Cadillac vehicles.
  • The program includes features like accident forgiveness, deductible waivers, and telematics-based pricing.
  • GM National Insurance Company has been authorized in Louisiana since 2006, with the new product approved in March 2025 and effective in July 2025.
  • Louisiana officials tied the program’s launch to recent insurance reform legislation and emphasized continued efforts toward legal and regulatory changes.
Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.
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Dealing with Natural Disasters: Key Steps for Financial Preparedness

Dealing with Natural Disasters: Key Steps for Financial Preparedness

A recent Harris Poll conducted on behalf of the American Institute of CPAs (AICPA) highlights the financial gaps many Americans face when it comes to preparing for natural disasters. The survey, which included nearly 2,100 adults, revealed that almost one-third of respondents have not taken any financial steps to prepare for such events.

Despite a growing awareness of the risks posed by disasters, less than one-third of those surveyed reported taking even a single proactive step to safeguard their finances.

Survey Findings

The survey showed that 68% of respondents have taken some financial steps to prepare, a figure that aligns closely with the 66% who acknowledged that a natural disaster would have a major (29%) or moderate (37%) impact on their financial situation.

However, the most common step taken — reviewing and evaluating insurance needs to ensure adequate coverage — was reported by only 31% of respondents. Other preparedness actions included taking an inventory of assets and possessions for insurance purposes (30%) and creating or updating an estate plan or will (19%).

Among the nearly 300 business owners included in the survey, about two-thirds expressed concern over potential financial hardship resulting from natural disaster losses. Specifically, 31% of business owners said they were very concerned, and 33% were somewhat concerned.

Eva Simpson, CPA, CGMA, and AICPA vice president of Member Value, Tax & Advisory Services, noted that many people only recognize the importance of financial preparedness after a disaster strikes. “Disaster preparedness when it comes to finances can go a long way to mitigate the financial toll and help people and businesses recover,” Simpson said in a news release.

Recommendations for Individuals

The AICPA provided guidance on financial preparedness for individuals, recommending steps such as:

  • Creating an emergency fund to cover immediate needs after a disaster.
  • Reviewing insurance policies to ensure coverage is sufficient for potential risks.
  • Protecting important financial documents by storing them securely and accessibly.
  • Making or updating an estate plan to protect assets and ensure a clear plan for loved ones.

Recommendations for Businesses

For business owners, the AICPA suggested planning for both operational and financial disruptions that disasters can cause. Key steps include:

  • Evaluating communication channels to ensure employees and stakeholders can stay informed.
  • Planning for remote work to maintain operations during physical disruptions.
  • Protecting critical data through secure backups and cybersecurity measures.
  • Preparing for workspace disruptions, including identifying alternative locations if necessary.

The Importance of Preparedness

While natural disasters can have a profound emotional and financial impact, taking proactive steps before an event occurs can reduce the toll. “Preparing financially for a disaster is a challenging, but necessary, task for individuals, families, and business owners,” Simpson said. “Disasters can take a toll both emotionally and financially — taking these steps to prepare can provide peace of mind and help victims rebuild after a tragedy.”

About the American Institute of CPAs The American Institute of CPAs (AICPA) is the world’s largest member association representing the CPA profession, with 397,000 members and a history of serving the public interest since 1887. AICPA members represent many areas of practice, including business and industry, public practice, government, education, and consulting. A founding member of the Association of International Certified Professional Accountants, the AICPA sets ethical standards for the profession, attestation standards, and U.S. auditing standards for private companies, not-for-profit organizations, and federal, state, and local governments. It develops and grades the Uniform CPA Examination, offers specialized credentials, partners across the profession to build future talent, and drives continuing education to advance the vitality, relevance, and quality of the profession. Get the latest insurance market updates and discover exclusive program opportunities at ProgramBusiness.com
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Judge Upholds Commissioner Lara’s Authority Over CA FAIR Plan

Judge Upholds Commissioner Lara’s Authority Over CA FAIR Plan

Insurance Commissioner Ricardo Lara issued a statement after a judge dismissed Consumer Watchdog’s baseless claims, which threatened to disrupt California’s insurance market at a critical time when homeowners, renters, businesses, and nonprofits need greater access to coverage.

“The judge’s ruling affirms my authority under Prop. 103 to protect consumers and stabilize market conditions through my Sustainable Insurance Strategy. Consumer Watchdog’s lawsuit fails to address the state’s insurance crisis and is merely another attempt to create chaos in an already complex situation. I’m pleased the judge saw through their charade, which only harms homeowners, small businesses, and non-profits that need better access to insurance options. Consumer Watchdog — which itself admits it has no members — has not offered viable solutions to our state’s insurance crisis and continues undermining my efforts to restore our insurance market. They also continue to profit under Prop. 103 in the millions through higher rates on policyholders when insurance companies seek justified rates from my Department. I will continue to expose their hypocrisy and make the difficult decisions needed to stabilize our market and bring insurance options back to Californians.”

Commissioner Lara is taking proactive steps to stabilize California’s insurance market as companies pull back from wildfire-prone areas, addressing a “hidden crisis” highlighted by Bloomberg. His actions have prevented further market decline and ensured the FAIR Plan could secure funds to pay wildfire-related claims promptly and fairly.

Stay informed and ahead of the curve — explore more industry insights and program opportunities at ProgramBusiness.com.
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A New Way to Insure the Gig Economy’s Quiet Powerhouses

A New Way to Insure the Gig Economy’s Quiet Powerhouses

From resume writers to wedding officiants, America’s service economy runs on microbusinesses. These independent professionals often juggle multiple roles, and yet, when they try to get insurance, they’re either overpaying or overlooked entirely. At Berkley Small Business Solutions, we created a program just for them.

About Our Independent Service Contractors Program

This Micro-BOP solution is made for non-construction service professionals who work from home, from a booth, or on the move. We offer broad protection, including professional liability, for many service classes.

Ideal Clients Include:

  • Business Services like:
    • Bookkeepers, Graphic Designers, Appraisers
    • Event Planners, Freelance Performers, Data Entry
    • Coaches, Language Tutors, Translators
    • Travel Planners, Resume Writers, and more
  • Home & Personal Services like:
    • DJs, Fitness Instructors, Makeup Artists
    • Lawn Care Pros, Pet Sitters, House Cleaners
    • Computer & Jewelry Repair, Aquarium Cleaners
    • Personal Shoppers, Yoga Instructors, Wedding Officiants
Even genealogy investigators and taxidermists have a place here. This is coverage that finally fits the way people work today.

What Makes Our Offering Distinctive

  • Professional Liability, where applicable
  • Easy quote + bind platform
  • Built for businesses earning under $1M
  • Ideal for home-based and mobile professionals
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