Beazley: A single business misstep involving employees, reputation or ESG risk can have significant consequences.

Insurify: The average annual cost of full coverage is more than $3,000 in six U.S. states.

The number of people impacted by the data breach is unknown, but American Water reportedly serves more than 14 million.

The challenges of building an insurance package around a business illustrate the value of specialized agents and brokers.