---
title: Republic Insurance Group Blog
description: Read Republic Insurance Group blog for helpful information and tips about all things insurance.
---

# Republic Insurance Group Blog

## Republic Insurance Group

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[**What is a waiver of subrogation in business insurance?** — 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… — Jun 23](/blog/2026/what-is-a-waiver-of-subrogation-in-business-insurance)

[**What does primary and noncontributory mean in insurance?** — 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… — Jun 23](/blog/2026/what-does-primary-and-noncontributory-mean-in-insurance)

[**How Lease Agreements Impact Your Insurance Responsibilities** — 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… — Jun 22](/blog/2026/how-lease-agreements-impact-your-insurance-responsibilities)

[**Digital Donations, Real‑World Risks: What Churches Must Know About Venmo, Zelle, and Cash App** — 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,… — Jun 17](/blog/2026/digital-donations-real-world-risks-what-churches-must-know-about-venmo-zelle-and-cash-app)

[**Independent vs. Captive Insurance Agencies: A Professional Overview** — 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… — Jun 2](/blog/2026/independent-vs-captive-insurance-agencies-a-professional-overview)

[**Phishing Emails, Ransomware, and Liability: A Business Owner’s Cyber Checklist** — 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… — May 27](/blog/2026/phishing-emails-ransomware-and-liability-a-business-owners-cyber-checklist)

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