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Green Tree Risk Partners Names Laura Page Director to Lead Continued Growth

Green Tree Risk Partners Names Laura Page Director to Lead Continued Growth

Green Tree Risk Partners, a specialized insurance brokerage serving the lumber and building materials industry, announced that Laura Page assumed the role of director effective Sunday, March 1, 2026. The leadership change supports the company’s continued expansion and focus on operational excellence.

green treePage succeeds Angelo Ganguzza, who will retire from his full-time agency leadership role after 40 years in the insurance industry focused on the wood and building materials sector. He will transition into a strategic position within brokerage operations.

Ganguzza played a leading role in building Green Tree into a specialized insurance organization that generated more than $18 million in written premiums in 2025. As the company transitions to new leadership, Green Tree expects to continue building on that momentum.

The company said the appointment reflects a thoughtful succession plan. Page brings 20 years of insurance and leadership experience. She has a track record of driving profitable growth, strengthening operational frameworks, and building high-performing teams.

“Laura’s tenured experience and forward-thinking approach make her exceptionally well-suited to lead Green Tree Risk Partners into its next chapter,” said John K. Smith, president and CEO of PLM. “Her focus on execution, talent development, and marketplace strength aligns perfectly with our long-term strategy.”

Before joining Green Tree, Page served as vice president at Extraco Insurance Agency. In that role, she enhanced training programs, modernized onboarding processes, and emphasized sustained profitable growth.

At Green Tree, Page will focus on further developing the agency model and ensuring the organization continues delivering a competitive marketplace for insureds, producers, and partners across the lumber and building materials industry.

Green Tree also expressed appreciation for Ganguzza’s contributions and stated that it looks forward to his continued impact in his new strategic role.

“Angelo Ganguzza is a tremendous leader, and he has certainly left an indelible mark on Green Tree Risk Partners and Pennsylvania Lumbermens Mutual Insurance Company,” Smith said. “Angelo’s leadership will be missed as he transitions into a strategic role within brokerage operations, but the model he built at Green Tree Risk Partners and the lasting relationships he cultivated will benefit the organization for years to come.”

For more information about PLM, visit https://www.plmins.com/.

About Pennsylvania Lumbermens Mutual Insurance Company

Pennsylvania Lumbermens Mutual Insurance Company is a nationally recognized property and casualty insurance carrier serving the lumber, woodworking, and building material industries. Backed by 130 years of experience, the company protects more than 5,000 businesses nationwide. PLM provides property, general liability, inland marine, business automobile, commercial excess liability and equipment breakdown coverages.

About Green Tree Risk Partners

Green Tree Risk Partners is a specialized insurance brokerage serving the lumber and building materials industry. The company delivers tailored risk solutions and a strong marketplace for clients and partners nationwide.

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Florida Class Action Alleges GEICO Added Unverified Drivers to Policies, Raising Premiums

Florida Class Action Alleges GEICO Added Unverified Drivers to Policies, Raising Premiums

A Florida policyholder has filed a proposed class action lawsuit against GEICO, alleging the insurer added strangers to her auto insurance policy, resulting in higher premiums.

According to the complaint, GEICO uses third-party data sources to identify licensed or permitted drivers who may be associated with an insured’s address. The lawsuit claims the company relies on this information to add individuals to policies if policyholders do not respond within a specified timeframe.

On Feb. 21, 2024, GEICO emailed policyholder Allison Kane and her late husband, who was listed on the policy at the time. The email stated that “Carter K Riddle may be a licensed or permitted driver with your address listed as their primary address.”

The suit states that GEICO did not further verify the individual’s connection to the household. Instead, the complaint alleges that the company added Riddle to the policy after no one contacted GEICO within 15 days of the Feb. 21 notice. The lawsuit describes Riddle as a stranger to the insured.

The complaint further alleges that GEICO added another individual to the policy in December.

According to the filing, GEICO “routinely refused to remove individuals based on the insured’s truthful statement that the person had no connection to the household or vehicles and or was insured elsewhere.” The suit states that GEICO required documentation or third-party verification to remove the individuals. It also alleges that these requirements were not disclosed in the notice and were not required by the policy. The complaint asserts that such documentation was often difficult or impossible for insureds to obtain.

The lawsuit brings claims on behalf of proposed statewide and nationwide classes. It alleges breach of contract, breach of the covenant of good faith and fair dealing, and unjust enrichment. It also alleges violations of Florida’s Deceptive and Unfair Trade Practices Act.

The complaint states that general insurance law, including Florida law, requires insurers to base premiums on accurate and verified information and prohibits charging for risks that do not exist. It further alleges that by adding unrequested drivers as rated drivers, GEICO charged premiums for what the plaintiff describes as nonexistent risks and for individuals who did not present underwriting exposure under the policy.

Separately, GEICO faces a class-action lawsuit in Ohio over total-loss claims. In that case, plaintiffs allege that GEICO underpays actual cash value on total loss settlements.

According to the Ohio complaint, GEICO, through its valuation vendor CCC Intelligent Solutions Inc., reduced payment amounts by applying a “condition adjustment” to the prices of comparable vehicles used to determine actual cash value. The suit alleges that neither GEICO nor CCC inspected the comparable vehicles and therefore lacked a factual basis for applying the adjustment. Plaintiffs contend that this practice resulted in payments below the actual cash value required by policy terms and Ohio law.

Earlier this month, GEICO filed a motion to dismiss the Ohio lawsuit for failure to state a claim.

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Tessera Launches Product Management Operating System for P&C Insurance

Tessera Launches Product Management Operating System for P&C Insurance

Tessera, on March 2, launched what it describes as the first product management operating system built specifically for the property and casualty insurance industry. The Hartford, Connecticut-based company introduced the platform as an end-to-end technology system designed to support product management functions across personal lines and small- and medium-sized-business insurance.

According to Tessera, the platform establishes a new category in the $1 trillion P&C insurance market. The company states that product management, which oversees profitable growth and runs the P&L function, has not previously had a dedicated, purpose-built system for the discipline.

Addressing Fragmented Data and Manual Workflows

Product managers in personal lines and SMB insurance set pricing, define risk appetite, respond to market conditions, and shape growth strategy. These responsibilities involve thousands of interconnected decisions over time. However, Tessera states that many of these decisions remain constrained by fragmented data, disconnected tools, and manual workflows.

Sean Meehan, chief product officer of Tessera, said delays in identifying problems can lead to lost business and prolonged loss ratio issues. He said the company built a system designed to identify signals before they become larger performance challenges.

Tessera states that its guided workflows demonstrate a sustained improvement in profitability of 2 to 3 points over current run rates. The company describes this level of improvement as significant in an industry where underwriting margins are typically in the low single digits.

Three Core Capabilities

Tessera combines three core capabilities into a single system.

Real-Time Data Integration

The company states that most insurers use only 20% to 30% of the data they already possess because of the manual effort required to make it usable. Tessera says its platform autonomously discovers, classifies, and transforms data across legacy policy and claims systems, data lakes, and unstructured sources.

As a result, product managers receive a unified, real-time view of business performance and the competitive environment without relying on manual workflows or specialized data science teams.

AI-Powered Intelligence

Tessera applies proprietary AI models trained on a customer’s own data to surface insights. The company states that these models help close the gap between when market events occur and when they are recognized internally. Tessera adds that outputs are transparent, auditable, and designed to support human-led decision-making.

The AI technology is powered by more than a decade of advanced research and development, according to the company.

Continuous Learning System

Tessera describes its platform as a living system that captures user interactions and decisions, including actions taken, expected outcomes, and actual market results. The system uses this record of cause and effect to inform future decisions.

The company states that the platform is not a point solution or dashboard. Instead, it is designed to compound knowledge over time. Tessera says this approach enables smaller carriers to build discipline similar to larger industry leaders and allows larger carriers to standardize institutional knowledge.

Kevin Finn, co-founder of Tessera, said leading carriers have built product management into their organizational structures over the decades. He said Tessera makes those capabilities available to insurers of any size.

Early Deployments and Beta Customers

Tessera enters the market with five beta customers in active deployment.

One regional insurer, founded in 1877, used Tessera to identify segmentation gaps in its rating plan and develop a proactive competitive strategy for the first time in nearly 150 years of operation. In addition, a provider of homeowner and flood insurance completed a 30-day renewal profitability analysis using Tessera. The company states that this process typically requires six months.

Both organizations credited Tessera with shifting their approach from reactive portfolio management to continuous, intelligence-driven decision-making.

Tessera states that small and mid-sized insurers can access enterprise-grade product management capabilities without investing in extensive infrastructure or hiring specialized data science teams. For larger carriers, the platform aims to address fragmentation and inconsistency that can limit execution at scale.

Founded by Insurance and AI Professionals

Tessera was founded by professionals with experience in insurance operations and artificial intelligence.

Founder Ray Sprague has more than 40 years of experience across personal and commercial lines. He previously pioneered advanced product management and automated decision-making in The Hartford’s small commercial insurance business.

Kevin Finn, FCAS, MAAA, led businesses at Liberty Mutual and The Hartford across small commercial product management, excess and surplus lines, and national accounts. In 2019, he co-founded MCA with Sprague to provide product management and actuarial capabilities to small- to mid-sized carriers. Through work with more than 70 P&C carriers, they identified the gap that Tessera aims to address.

Sean Meehan, founder and chief product officer, brings more than 20 years of product management and analytics leadership across personal and commercial lines. He has built and scaled analytics infrastructure across underwriting, pricing, and product teams.

Reuben Vandeventer, founder and head of applied AI, holds more than 20 patents in the InsurTech space. He specializes in autonomous data discovery, universal entity resolution, and high-dimensional information systems.

About Tessera

Tessera describes itself as the first product management operating system for property and casualty insurance. The platform unifies first-party, third-party, and public data through autonomous discovery agents. It applies proprietary AI models trained on carrier-specific data and guides teams through the full product management lifecycle, from strategy and planning through post-implementation review.

The company states that it serves small-to-mid-sized insurers seeking enterprise-grade capabilities without the overhead of an enterprise, as well as large carriers seeking consistent competitive advantage at scale. More information is available at www.mytessera.ai.

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How Snowstorms Can Trigger More Dangerous Flooding in New Jersey

How Snowstorms Can Trigger More Dangerous Flooding in New Jersey

An Inside Climate News report highlights how a recent blizzard that brought two feet of snow or more and extremely high winds across parts of the Northeast also triggered coastal flooding in New Jersey. The storm affected areas, including Atlantic City, and underscored how winter weather events in the state can create overlapping hazards both inland and along the coast.

New Jersey was among the states hit hardest by a recent blizzard that brought two feet of snow or more and extremely high winds across parts of the Northeast. The storm caused flooding in coastal Atlantic City and other towns, highlighting how winter weather events can create multiple hazards across the state.

According to Anthony Broccoli, a distinguished professor of atmospheric science at Rutgers University and director of the Center for Environmental Prediction, storms of this size are not common. Snowfall requires a specific combination of factors, including a strong storm system, sufficient moisture, and temperatures cold enough for precipitation to fall as snow.

In this case, temperatures approached 50 degrees the day before the storm. The system initially brought rain because there was no exceptionally cold air present. However, once the storm intensified, temperatures fell below freezing, allowing significant snowfall to accumulate.

Broccoli noted that New Jersey’s vulnerability to snow is similar to that of many other states. However, the state’s high population density and extensive infrastructure add complexity. New Jersey has more miles of highway per square mile than any other state, creating a large road network that requires plowing and salting during winter storms.

At the same time, the state has approximately 1,792 miles of shoreline, with major population centers along the coast. As a result, a single storm can create both transportation challenges on land and coastal flooding risks.

Nor’easters, in particular, can elevate coastal flood risk. These storms move up the East Coast and generate winds from the northeast. When those winds push water toward the shore, they can raise water levels above normal conditions. Broccoli explained that this dynamic contributed to water levels about two feet higher than normal during the recent storm, resulting in coastal flooding in some areas.

While hurricanes such as Sandy are often associated with coastal flooding, winter storms can produce similar effects, though typically on a smaller scale. The onshore wind component, rather than snowfall itself, drives increases in coastal water levels.

Snow can, however, contribute to inland flooding under certain conditions. Broccoli said that snowmelt alone may not create flooding concerns if it occurs gradually, especially given that New Jersey has experienced relatively dry conditions for more than six months. However, if a heavy rainstorm follows significant snowfall, the combination could drive inland flooding.

He emphasized that snowfall does not directly increase coastal flooding risk. Instead, heavy snow can complicate emergency response and recovery when combined with other hazards, such as elevated water levels and strong winds.

Research on future winter storm trends remains ongoing. Broccoli referenced a recent study indicating detectable trends toward strengthening nor’easters. However, he cautioned that changes need not be dramatic and that storm-track shifts could influence local impacts. Even if storms become more intense overall, their effects on a specific region will depend on whether they directly affect that area.

Broccoli also addressed questions about cold winters and climate trends. He stated that climate change does not eliminate cold weather or snowfall. Long-term trends show fewer cold extremes and more warm extremes, but cold events remain possible. Winter temperatures can vary significantly by location, with some areas experiencing below-average conditions even as broader patterns shift.

In addition, a warming atmosphere can hold more moisture. As a result, when storms do develop, they may be capable of producing heavier rainfall or greater snowfall, depending on temperatures.

Broccoli said that events like the recent blizzard remain possible even in a warming climate. Although long-term patterns may influence storm frequency and intensity, short-term variability means that winters can still bring multiple major snowstorms.

For New Jersey, tightly packed highways and populated shorelines create overlapping risks. A single winter system can disrupt transportation networks while also raising coastal water levels. The combination underscores how snowstorms in the Garden State can extend beyond inland snowfall to include significant flooding hazards.

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