Republic Insurance Group Blog

Subrogation is the legal right that allows an insurance company to seek reimbursement after it pays out a claim to its policyholder. When a loss occurs and the insurance carrier covers the cost, they may attempt to recover those funds from the responsible third party. This process helps shift…

If you work with commercial contracts in construction, real estate, energy or other industries, you’ve likely seen the phrase “primary and noncontributory” in an insurance requirement. It can sound confusing, especially if you’re not used to reading insurance policies. — Contracts may require at…

Leasing a commercial space is a common step for many businesses, but the terms of a lease often include more than just rent and duration. Lease agreements frequently outline specific insurance responsibilities that both tenants and property owners are expected to meet. Understanding how these…

As digital payments become a normal part of everyday life, churches across the country are embracing platforms like Venmo, Zelle, and Cash App to make giving easier and more convenient. However convenience always comes with a cost—and in this case, that cost is increased fraud exposure,…

Understanding the Independent Agency Model — An independent insurance agency is a licensed, autonomous business that represents multiple insurance carriers rather than being tied to a single company. Independent agencies vary widely in size and structure—ranging from small, family‑owned firms to…

Cyber threats have become an everyday risk for businesses of all sizes, not just large corporations. In fact, small and mid-sized businesses are increasingly targeted by cybercriminals because they often lack dedicated security infrastructure. Phishing emails, ransomware attacks, and data breaches…