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Small businesses face more issues today than just a few years ago with claims increasing on all fronts, from premises liability and cyber threats to severe property damage from catastrophic weather events.

Policyholder expectations also are changing as many small business owners presume they have coverage where there is none or file claims for minor damage that ultimately raise their premiums.

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Ashley Hattle-Cleminshaw

Ashley Hattle-Cleminshaw serves as ALM's PropertyCasualty360 Senior Editor. She brings 10 years of experience in journalism and communications to the editorial team. Reach her by sending an e-mail to [email protected].