Maria Reyes
CPCUChartered Property Casualty Underwriter
Maria Reyes is a CPCU with 14 years of underwriting and risk consulting experience across small business, workers compensation, and specialty lines. She reviews insurance content for accuracy and regulatory compliance.
Maria Reyes reviews Dareable articles for factual accuracy before publication. This includes verifying coverage definitions, state-specific rules, and dollar figures against current carrier and regulatory data.
How our review process worksArticles reviewed by Maria Reyes(9)
Small Business Insurance in Colorado: FAMLI, Workers Comp, and Wildfire Risk
Colorado's FAMLI program launched in 2024, wildfire is pushing commercial property rates up, and workers comp is mandatory. Here's what Colorado businesses need.
Small Business Insurance in California: AB5, Workers Comp, and EPLI Exposure
California has the most complex small business insurance environment in the US. AB5 alone expanded workers comp and EPLI exposure for millions of businesses.
Business Owner's Policy vs. Individual Policies: Which Should You Buy?
A BOP bundles GL and commercial property at a discount but excludes workers comp, professional liability, and more. Here's when a BOP makes sense and when it doesn't.
Airbnb Host Insurance: What AirCover Doesn't Cover and What You Actually Need
AirCover is not insurance. It has exclusions, claim disputes, and no legal defense. Here's what Airbnb hosts actually need to protect their property and income.
E-Commerce Business Insurance: What Online Sellers Actually Need
No physical storefront doesn't mean no insurance need. Product liability, cyber, inventory, and transit coverage build the right stack for an online business.
Business Interruption Insurance: What It Covers and What It Doesn't
COVID taught most businesses that BI requires physical damage to trigger. Here's what actually qualifies, what the coverage pays, and how much to buy.
Commercial Umbrella Insurance for Small Business: What It Is and When You Need It
A commercial umbrella policy adds coverage above your existing limits for $500-$1,500/year. Learn how it works, what it excludes, and when to buy it.
Cyber Insurance Cost for Small Business: Real Numbers by Size and Industry
What small businesses actually pay for cyber insurance - premiums by employee count, industry, and coverage limit, plus the factors that move your rate up or down.
Workers Comp Insurance in California: True Cost Breakdown
California workers comp costs nearly double the national average. Here's how premiums are calculated, what class codes do to your rate, and how to reduce what you pay.