Insure Pacific

Leasing farmland may seem straightforward — until there is a damaged fence, broken irrigation system, crop loss, or liability claim.

That is when one important question matters:

Who is responsible?

For leased agricultural property, both the landowner and the tenant should understand how the lease and the insurance program address:

• Fences and gates
• Irrigation systems
• Crops
• Farm equipment
• Buildings and structures
• Liability for injuries or property damage
• Pollution and environmental exposures
• Repairs and maintenance
• Responsibilities after a covered loss

A farm lease and an insurance policy should work together.

If the lease says the tenant is responsible for certain property or operations, the insurance program should reflect that responsibility.

Our latest article looks at key insurance considerations for leased farmland.

https://insurepacific.com/blog/leased-farmland-insurance-fences-irrigation-crops-liability-2026

Insure Pacific helps farms, ranches, agricultural businesses, and property owners throughout the American West review coverage around the way their operations actually work.

Insure Pacific
Independent Insurance Across the American West

If your company offers employee benefits, one administrative mistake can create a surprisingly complicated problem.

Employee Benefits Liability and Fiduciary Liability are designed to address different types of exposures.

Employee Benefits Liability can be relevant when mistakes occur in the administration of benefit programs, such as:

• Enrollment errors
• Eligibility mistakes
• Incorrect benefit information
• Failure to properly add or remove an employee
• Administrative errors involving benefit plans

Fiduciary Liability generally deals with another area: the management and oversight of employee benefit and retirement plans.

That can include exposures involving:

• Fiduciary responsibilities
• Retirement plan oversight
• Plan administration
• Investment decisions
• ERISA-related obligations

A business can potentially have exposure in both areas.

Our latest article looks at the differences between Employee Benefits Liability and Fiduciary Liability and why companies that provide benefits should understand how each fits into a broader insurance program.

https://insurepacific.com/blog/employee-benefits-liability-vs-fiduciary-liability-enrollment-retirement-plan-oversight-2026

Insure Pacific
Independent Insurance Across the American West

A small water leak can turn into a very big insurance claim.

And some of the most damaging water problems may be hidden behind walls, underneath floors, underground, or even outside the home.

Homeowners should understand the insurance issues surrounding:

• Hidden plumbing leaks
• Sewer and drain backups
• Underground service lines
• Sump pump failures
• Mold following water damage
• Sudden pipe or plumbing failures
• Smart water shutoff technology

One important thing to remember: not every kind of water damage is covered the same way.

For example, sewer backup and underground service-line protection may require coverage that is not automatically included in every homeowners policy.

Our latest article looks at several of the water-related risks homeowners should understand — and some of the technology that may help reduce losses.

https://insurepacific.com/blog/water-damage-insurance-hidden-leaks-sewer-backups-service-lines-sump-pumps-mold-smart-shutoff-devices-2026

Insure Pacific
Independent Insurance Across the American West

Battery storage and EV charging infrastructure are expanding quickly across commercial properties, multifamily developments, hospitality operations, retail centers, industrial sites and other businesses.
But these systems can create insurance exposures that go well beyond a traditional electrical installation.
Potential risks can include:
• Thermal runaway and fire
• Damage to buildings and equipment
• Pollution or environmental liability
• Equipment failure
• Cybersecurity issues
• Business interruption
• Third-party liability
The important question is whether your current commercial insurance program has kept up with the technology being installed on your property.
Our latest article looks at the insurance issues surrounding battery energy storage systems and EV charging sites.
https://insurepacific.com/blog/commercial-insurance-battery-storage-ev-charging-sites-thermal-runaway-property-pollution-cyber-business-interruption-2026
Insure Pacific helps businesses and property owners throughout the American West understand changing risks and evaluate their insurance options.
Insure Pacific
Independent Insurance Across the American West

🧒 Protecting young people requires more than one policy, one background check, or one handbook.

Youth-serving nonprofits may operate:

• Mentoring programs
• Sports leagues
• After-school programs
• Summer camps
• Outdoor programs
• Faith-based youth groups
• Counseling services
• Arts organizations
• Transportation programs
• Overnight activities

The latest Insure Pacific blog looks at why organizations should separate three questions:

What does current law, licensing, a contract, or governing body require?
What safeguarding practices reduce the chance of harm?
Which insurance policies may respond to a specific allegation or loss?

Coverage areas may include abuse and molestation liability, general liability, professional liability, D&O, employment practices, workers’ compensation, cyber, participant accident, commercial auto, and umbrella liability.

Read more:
https://insurepacific.com/blog/insurance-youth-serving-nonprofits-abuse-molestation-background-checks-supervision-camps-mandatory-reporting-2026