Put to: Alexandra Glickman or an appropriate specialist from her practice.
Why it matters to buyers: Gallagher’s Spring 2026 report describes improving property-market conditions but cautions against prioritizing the cheapest program over resilient coverage. It also states that rate relief is not uniform. (ajg.com)
Draft framing of a good answer: Request a comparison of premium plus retained exposure, not premium alone. Examine insured values, deductibles, exclusions, sublimits, business-interruption assumptions and the time needed to restore operations.
Ask what changes when ownership, operator, use or renovation activity changes. Require the broker to identify which terms are quoted, indicative or conditional on further underwriting.
For catastrophe-exposed locations, test the owner's cash obligation under plausible loss scenarios and distinguish that analysis from a prediction of whether a particular event will occur. Compare the proposed coverage with the loan documents rather than assuming lender requirements have been met.
Sharp follow-up: “What significant loss could leave us with little or no payment under this policy, and what liquidity would we need?”
Evidence to request: Coverage comparison, statement of values, loss history, documented exclusions, lender review and a retained-risk funding plan.
Interview status: No expert response has been recorded.