Industry insights on surety bonds, dealer risk, reinsurance trends, and regulatory updates from the
Ashton Agency team.
The Florida bond updates 2026 picture is nuanced: most bond amounts that matter to dealers and public adjusters have not
Used car dealer bond requirements are not moving in one direction across every state. Florida is still a $25,000 market,
For public adjusters, 2026 is not just about carrying the right bond. It is about operating in a claims environment
Starting in April 2026, energy brokers and consultants operating in New York State must obtain and maintain a surety bond
If you work as a public adjuster, you already know the job comes with strict licensing rules. One of the
If you hold or are applying for an Ohio Used Car Dealer License, there is a significant change coming to
The Fed is cutting rates, but surety bond and reinsurance costs aren’t budging. Long-term yields and risk premiums remain elevated as carriers absorb higher claim severity and liability exposure. In this issue of Ashton PULSE – Florida, we break down why bond rates aren’t moving, how market risk outpaces monetary policy, and what it means for dealers managing reinsurance programs.
Texas is facing a unique used-car market landscape as we approach 2026, with rising inventory prices, declining turnover rates, and an alarming amount of aging inventory. With average retail prices soaring to $30,934—significantly above the national average—dealers are under increasing pressure. As cash flow tightens and inventory refresh slows, the risks for lenders and reinsurance providers grow. Discover how these trends impact Texas dealers and what strategies can be employed to navigate this challenging environment. Read on to learn more about the critical insights and recommendations for success in the coming year.
Florida dealers are carrying more inventory than ever—and more of it is aging fast. New data shows nearly 100,000 additional vehicles on Florida lots since August, with one-third now high-mileage units. That shift is quietly eroding reinsurance profit pools as carriers absorb higher claim severity and exposure on older vehicles. In this month’s Ashton PULSE report, ASC Warranty’s Greg Reuter introduces RISC™, a new tool to help dealers measure and manage risk in their reinsurance programs—and protect profitability even as bond rates stay firm despite Fed cuts.
AI can process data faster than ever, but underwriting still depends on relationships. In this edition of Ashton PULSE – Florida, Danielle explains why client service remains an underwriting advantage in the age of algorithms—and how human insight complements AI to help clients navigate complex regulatory and risk environments.
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