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DOT Finalizes Rule Ending Non-Domiciled CDL Loophole

DOT Finalizes Rule Ending Non-Domiciled CDL Loophole

The U.S. Department of Transportation announced Feb. 12 that it has finalized a rule closing what officials described as a major loophole in commercial driver licensing. The change follows multiple fatal crashes in 2025 involving non-domiciled commercial driver’s license holders.

Transportation Secretary Sean P. Duffy said the reform ends the ability of certain foreign drivers to obtain CDLs without verified driving histories. “For far too long, America has allowed dangerous foreign drivers to abuse our truck licensing systems, wreaking havoc on our roadways. This safety loophole ends today,” Duffy said. He added that unqualified foreign drivers will no longer be able to obtain licenses to operate heavy commercial vehicles.

Background and Enforcement Actions

The final rule codifies an emergency action Duffy took last September to halt the issuance of non-domiciled CDLs to truckers whose driving histories could not be verified. According to the DOT, federal regulators increased enforcement efforts after a series of fatal crashes last summer involving non-domiciled drivers.

In 2025, at least 30 people died in 17 crashes caused by non-domiciled drivers, the DOT reported. The agency also stated that at least 30 states issued CDLs to drivers later deemed ineligible.

Federal officials explained that while states can review U.S. drivers’ records through national databases for prior violations, including driving under the influence or crash history, they cannot access comparable records from foreign countries. As a result, regulators said Employment Authorization Documents did not provide sufficient information about an applicant’s prior traffic violations, accidents, or license suspensions abroad.

Key Provisions of the Final Rule

Under the new rule, state driver’s licensing agencies may no longer issue CDLs to foreign drivers without verified driving histories. The DOT will end reliance on Employment Authorization Documents as proof of eligibility. Officials said that reliance on EADs led more than 30 states to issue tens of thousands of licenses to ineligible drivers.

Applicants seeking a CDL must now present an unexpired foreign passport along with the appropriate Form I-94, which tracks a noncitizen’s entry to and exit from the United States.

Eligibility will be limited to foreign nationals holding temporary work visas, including H-2B, H-1B, or E-2 treaty investor visas. In addition, states must verify each applicant’s lawful immigration status through the Systematic Alien Verification for Entitlements system.

The DOT said these measures aim to prevent state licensing agencies from issuing CDLs without confirming lawful status and verified driving backgrounds.

Crash Incidents Cited by DOT

The agency pointed to several fatal crashes in 2025 as part of its rationale for the reform. In August, a driver attempting an illegal U-turn on the Florida Turnpike reportedly triggered a crash that killed three people. In October, another driver failed to stop on a California highway, resulting in an eight-vehicle collision that also claimed three lives. In December, a truck reportedly collided with a train at a marked crossing in Ontario, California, killing a crew member.

Duffy also referenced the case of Dalilah Coleman, a 5-year-old girl who suffered serious injuries after a crash last September involving an 18-wheeler driven by an individual described as an illegal immigrant. “These truck drivers should NEVER have received a commercial driver’s license. And this rule makes sure that it won’t happen again,” Duffy wrote in a post on X.

Additional Safety Measures

The final rule is expected to take effect in approximately one month, around March 15.

The DOT also cited other transportation safety initiatives. In May, Duffy signed an order establishing new guidelines to strengthen enforcement of English language standards for commercial truck operators. Under those standards, commercial motor vehicle drivers who fail English proficiency tests will be placed out of service.

According to the DOT, the licensing reform and language enforcement measures are part of broader efforts to address roadway safety concerns related to commercial trucking.

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FDA Elevates Nationwide Cake Mix Recall to Class I Status

FDA Elevates Nationwide Cake Mix Recall to Class I Status

The U.S. Food and Drug Administration has upgraded a nationwide cake mix recall to a Class I designation, the agency’s most serious classification. A Class I recall indicates there is a reasonable probability that use of or exposure to a violative product will cause serious adverse health consequences or death.

Recall Details

The recall involves Dallas-based B.C. Williams Bakery Service and affects two commercial products:

• Spice Cake Mix, packaged in 50-pound bags
• Swiss Chocolate Cake Mix, packaged in 50-pound bags

According to the FDA, the products contain undeclared milk. Milk was not listed on the product labels despite being present in the mixes.

The recall originally began in late December. However, the FDA recently elevated the action to Class I status following further review. The affected products were distributed nationwide, although specific retail or foodservice distribution channels have not been fully clarified.

Allergen Risk

Undeclared allergens remain a leading cause of food recalls in the United States. In this case, the presence of undeclared milk poses a significant risk to individuals with dairy allergies. Milk allergens can trigger severe or potentially life-threatening reactions, particularly among children and individuals with diagnosed sensitivities.

While milk is a common ingredient in many baked goods, labeling requirements under federal law mandate clear disclosure of major food allergens. Failure to declare milk on product labeling creates exposure risk for allergic individuals and potential liability concerns for manufacturers and distributors.

Commercial Scope

The recalled products were packaged in 50-pound bags, indicating they were intended primarily for commercial use. Bakeries, restaurants, and large-scale food operations are the most likely end users rather than retail consumers.

Because of the commercial distribution model, indirect exposure represents a key concern. Individuals with milk allergies who have recently purchased baked goods from bakeries or foodservice establishments may face risk if those businesses used the affected mixes.

Businesses and distributors in possession of the recalled products have been instructed to stop using them immediately. They are advised to dispose of the products or return them to their supplier.

Current Status

At this time, no illnesses have been officially confirmed in connection with the recalled cake mixes. However, the FDA’s Class I designation underscores the seriousness of the undeclared allergen risk and the agency’s response to potential health consequences.

Insurance professionals who work with food manufacturers, distributors, and commercial bakeries may wish to monitor developments as the recall proceeds.

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Goldman Sachs CEO Outlines Upbeat 2026 Economic Outlook

Goldman Sachs CEO Outlines Upbeat 2026 Economic Outlook

Goldman Sachs CEO David Solomon described the economic backdrop for 2026 as strong, citing fiscal support, artificial intelligence investment, and improving business conditions.

In a recent CNBC interview, Solomon said the macroeconomic setup is “quite good.” He pointed to robust fiscal support and significant AI-driven capital investment as key factors shaping the outlook. He also noted what he described as a more conducive business environment.

According to Solomon, strategic activity is accelerating as companies revisit large transactions. He said discussions around initial public offerings are increasing and suggested that some offerings could reach unprecedented sizes.

His comments come amid broader economic debate, including recession concerns that have circulated in recent months. However, Solomon’s assessment reflects confidence in ongoing economic activity despite uneven growth patterns.

Bank of America CEO Brian Moynihan expressed a similar view from a consumer perspective. Moynihan said Bank of America data showed January activity running nearly 5 percent above the same period last year, with spending rising across various income brackets.

Major Banks Report Strong Earnings

Large financial institutions recently reported solid earnings results. Goldman Sachs, JPMorgan, and other major banks have shown continued growth in fee income, margin protection, and disciplined credit risk management, even in a volatile economic environment.

These results suggest that client activity and business pipelines remain active. Performance trends indicate that operational strength has held up despite negative economic headlines.

Goldman Sachs’ most recent quarterly report illustrates that trend. The bank reported an earnings beat, although results included a specific drag related to its exit from the Apple Card business. According to the report, a temporary accounting swing affected the top-line figure, making it appear softer than underlying performance.

Industry leaders have indicated that IPO activity in 2026 could reach record levels. At the same time, Solomon cautioned about deficit risks as part of the broader economic picture.

Together, recent earnings reports and executive commentary highlight continued capital markets activity, consumer spending growth, and investment momentum heading into 2026.

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State Farm Shares Wildfire Safety Guidance With Policyholders

State Farm Shares Wildfire Safety Guidance With Policyholders

State Farm has issued wildfire safety guidance to its insureds, outlining steps to take before and after a wildfire. The information focuses on preparedness, evacuation, property protection, and recovery.

Wildfire Activity And Risk

Wildfires are fast-moving events that pose risks to people, property, and natural resources. According to the National Interagency Fire Center, wildfires burn more than 7 million acres of land each year. Fire suppression costs average $3 billion annually. State Farm notes that the number and intensity of wildfires have increased in recent years, underscoring the importance of preparation.

Preparedness And Evacuation Planning

State Farm emphasizes advance planning as a key element of wildfire safety. The insurer advises policyholders to create a wildfire evacuation plan and review it with all household members. The plan should identify roles and responsibilities, establish two meeting points in case family members become separated, and include emergency contacts. Regular evacuation drills can help ensure familiarity with the process.

The guidance also recommends identifying water sources within 1,000 feet of a home, such as a well, hydrant, or swimming pool. In addition, State Farm encourages insureds to create a home inventory and review it annually with their insurance agent to confirm adequate coverage.

Emergency Kits And Defensible Space

State Farm advises policyholders to prepare an emergency kit that includes drinking water, nonperishable food, medications, copies of important documents, flashlights, a battery-powered radio, portable chargers, cash, clothing, and pet supplies. The kit should also include N95 masks or respirators.

To reduce ignition risk, the insurer highlights the importance of creating a noncombustible 5-foot buffer around the home. Embers can travel miles ahead of a fire front and accumulate along exterior walls. State Farm recommends removing vegetation and combustible materials within 5 feet of the home and decks, trimming overhanging branches, clearing wood mulch, and replacing it with hardscape materials such as gravel or concrete. The guidance also calls for replacing wood or vinyl fencing within 5 feet of the structure with noncombustible materials such as metal or concrete.

Home Hardening And Monitoring Conditions

State Farm advises installing fire-resistant roofing and siding materials when possible, clearing debris from gutters and roofs, and planting fire-resistant vegetation. The insurer also recommends maintaining smoke alarms and fire extinguishers.

To stay informed, policyholders should monitor the National Weather Service, local news, and weather alerts. State Farm encourages using FEMA and local emergency notification apps, as well as trusted social media channels. If authorities issue an evacuation order, the guidance directs residents to leave immediately.

Shelter In Place And Evacuation Procedures

If sheltering in place, State Farm advises staying indoors, closing windows and vents, moving flammable items away from windows, and sheltering in rooms on the opposite side of the approaching fire. Residents should avoid outside walls.

During a warning or voluntary evacuation phase, policyholders should review their evacuation plan, prepare emergency bags, keep vehicle fuel tanks full, and withdraw cash in case of power outages. If evacuation becomes mandatory, residents should use designated routes, wear protective clothing, and bring emergency kits, medications, and important documents.

Post-Fire Safety And Documentation

After authorities declare it safe to return, State Farm recommends inspecting property for hazards such as live embers, downed power lines or gas odors before entering. Residents should check for structural damage, avoid hot ash and smoldering debris, and wear protective gear during cleanup. The insurer advises using N95 masks when handling ash and dampening debris before sweeping to limit airborne particles.

Additional steps include ventilating the home, following generator safety practices, washing clothing that has been exposed to smoke, and checking with local health departments about water safety. Food, beverages, and medications exposed to heat, ash, or smoke should be discarded.

For claims purposes, State Farm instructs policyholders to document damage with detailed photos and videos, create an inventory of damaged items, and contact their insurance provider promptly to begin the claims process.

During repairs, the insurer advises hiring licensed professionals to assess foundations, electrical systems, and plumbing. State Farm also notes that installing fire-resistant materials during rebuilding can improve long-term resilience.

The American Red Cross can provide additional information on post-wildfire cleanup and recovery.

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