Apex Risk & Insurance Services

09/09/2026

Most California business owners assume their business interruption insurance kicks in any time their business loses income. It does not.

Coverage requires a covered cause of loss to your owned property. Not the road outside. Not the bridge down the street. Not a pandemic. Yours.

When floods washed out the roads to Idyllwild, businesses lost weeks of revenue with no coverage trigger. When COVID shut down restaurants, the claims were denied across the board. The policy was there. The trigger was not.

Peter Katkov breaks down exactly how business income coverage works, which businesses face the most exposure, and what earthquake and flood coverage actually costs in California.

09/08/2026

Building a wave pool is one of the most complex development projects in the outdoor recreation industry.

The insurance program behind it needs to match that complexity from day one... not be figured out six months before opening.

Swipe through for the key coverage areas every wave pool developer needs to understand, including a real-world example of what happens when things go wrong without the right protection in place.

Full article at the link in the comments section.

09/07/2026

It's Labor Day, so all of our businesses are having a planned interruption. Unexpected business interruptions are quite another issue. And your business interruption policy may not cover what you think it does.

If the road to your business washes out, if a bridge goes down, if a pandemic shuts your doors, but your owned property was not damaged, there is likely no coverage trigger. Peter Katkov of Apex explains why, and what California business owners should actually be looking at.

Read more here:

Your business income policy may not cover what you think it does. Peter Katkov of Apex explains the coverage triggers that actually matter for California businesses facing earthquake, flood, and access disruptions.

09/07/2026

Today, we recognize the people behind every business, project, and operation.

Labor Day is a reminder that every company depends on dedicated teams, skilled professionals, and hard work happening behind the scenes every day. As businesses grow, so do the risks that come with protecting employees, operations, and long-term success.

We’re proud to support business owners and the companies they’ve worked so hard to create.

Happy Labor Day from Apex Risk.

09/04/2026

Business owners make critical decisions every day, yet insurance and risk management can often feel unnecessarily complicated.

At Apex Risk, we help clients understand their exposures, evaluate their options, and build coverage strategies that align with how their business operates. Through ongoing guidance and industry expertise, we help bring clarity to complex decisions so you can move forward with confidence.

09/02/2026

Wave pools sit in a narrow, specialist insurance market. Most carriers don't fully understand what they are, defaulting to amusement park comparisons that don't fit. The result is inflated premiums, inappropriate exclusions, or outright declines.

Getting the right program means working with a broker who knows this space and can present your facility accurately to the carriers who actually understand it.

We break down what that looks like in our latest article. Link in the comments section.

09/01/2026

Insurance should come with a team that’s ready to help when questions come up and challenges arise. At Apex, we focus on being accessible, responsive, and genuinely useful to our clients every step of the way. Thanks for the kind words, Michael.

08/28/2026

It is one of the most common misconceptions in commercial insurance. General liability protects against third party bodily injury and property damage claims. It does not replace your equipment, cover your lost income, or protect your employees.

Knowing what each policy does and does not cover is the starting point for building a program that actually works. We break down general liability and every other key coverage term in our business insurance glossary. Link to read the full blog in the comments section.

08/26/2026

Contractor insurance is one of the bigger fixed costs in your business. It's also one of the most controllable if you know where to look.

Here are 8 practical ways to reduce what you're paying without reducing the protection your business actually needs.

Full breakdown on the blog link in the comments section.