United Policyholders | Empowering the insured.

United Policyholders (UP) is a non-profit 501(c)(3) whose mission is to be a trustworthy and useful information resource and a respected voice for consumers of all types of insurance in all 50 states. We don't take money from insurance companies. We give you the straight scoop. Guide you on buying insurance and navigating claims. Fight for your rights.

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Latest News

April 3

Sonoma County businesses with pandemic-related losses hit wall with commercial insurers

In the aftermath of the power shut-offs during the October 2019 wildfire, Berlin Fisher realized he needed to get business interruption insurance coverage for his West County Style Bar in Guerneville because another disaster could put his hair salon on precarious financial footing. Fisher had to wait until 30 days after the Kincade fire, then bought a policy from Hiscox Business Insurance in...

March 30

Business interruption insurance falls short in a pandemic

When Salvatore Ferro saw his Commack-based home remodeling business plummet by more than half due to the coronavirus pandemic, he contacted his insurance broker to find out how to make a claim on his business interruption insurance. He was shocked to learn the policy – which is intended to compensate businesses for lost revenues and reimburse expenses under certain circumstances, such as when a...

March 19

Can businesses rely on insurance to overcome COVID-19 losses?

Photo by Tim Mossholder from Pexels The short answer is, for many it will be a fight. Bottom line: Don't take no for an answer until you've exhausted all arguments and avenues for help. And there are many of them. United Policyholders is hard at work curating solid guidance to arm businesses for the coverage battles that lie ahead. Just as we arm the victims of natural disasters with tools and...

March 9

California lawmakers propose wildfire insurance bill to protect homeowners

EL DORADO COUNTY, Calif. — A bill introduced into the California Legislature on Tuesday would add protections to some homeowners at risk of nonrenewals . The “Renew California Bill” would require insurance companies to write or renew policies for existing homes in communities that meet state standards for fire-hardening . The bill would also require insurers to offer financial incentives for...