CINXE.COM

<!DOCTYPE html><html lang="en-US"><head><title>Just a moment...</title><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"><meta http-equiv="X-UA-Compatible" content="IE=Edge"><meta name="robots" content="noindex,nofollow"><meta name="viewport" content="width=device-width,initial-scale=1"><style>*{box-sizing:border-box;margin:0;padding:0}html{line-height:1.15;-webkit-text-size-adjust:100%;color:#313131;font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji}body{display:flex;flex-direction:column;height:100vh;min-height:100vh}.main-content{margin:8rem auto;max-width:60rem;padding-left:1.5rem}@media (width <= 720px){.main-content{margin-top:4rem}}.h2{font-size:1.5rem;font-weight:500;line-height:2.25rem}@media (width <= 720px){.h2{font-size:1.25rem;line-height:1.5rem}}#challenge-error-text{background-image:url(data:image/svg+xml;base64,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);background-repeat:no-repeat;background-size:contain;padding-left:34px}@media (prefers-color-scheme:dark){body{background-color:#222;color:#d9d9d9}}</style><meta http-equiv="refresh" content="390"></head><body class="no-js"><div class="main-wrapper" role="main"><div class="main-content"><noscript><div class="h2"><span id="challenge-error-text">Enable JavaScript and cookies to continue</span></div></noscript></div></div><script>(function(){window._cf_chl_opt={cvId: '3',cZone: "www.businessinsurance.com",cType: 'managed',cRay: '9295f14c1d29ce4f',cH: 'Os.3brERAhS0aIOS3UFZqOeZdVx59SJLdCr9hjhXHaM-1743488027-1.2.1.1-84XT3zVegFKpCE3LbdUCm0bRfaA9U7.ObkAW2pXD1qbkokc32XqY021DU5vhAn6y',cUPMDTk: "\/login?__cf_chl_tk=Bd6MgjBYiFJ_rl5HJjIk6FBnrhxUY30CmRDem9XsgsA-1743488027-1.0.1.1-2GoNZ73wmPS4icK9..fyBw779q.XAF9luspq2Nr6Dqk",cFPWv: 'b',cITimeS: '1743488027',cTTimeMs: '1000',cMTimeMs: '390000',cTplC: 0,cTplV: 5,cTplB: 'cf',cK: "",fa: "\/login?__cf_chl_f_tk=Bd6MgjBYiFJ_rl5HJjIk6FBnrhxUY30CmRDem9XsgsA-1743488027-1.0.1.1-2GoNZ73wmPS4icK9..fyBw779q.XAF9luspq2Nr6Dqk",md: "Uq8r13NV_75agbHx2fTGhSHmY3tF9467EorSUJTarak-1743488027-1.2.1.1-1E3uyJTl_IaKKP91CW2B2d9OLpNCzxq_38kbuG9SbZtNY8Y6Iilv1pIUIBI1VQQur0gncQPHJBWLMILEdDNfgPcb_lYAEyPwFeVKT0Dpl5r4s3AyCnYbjC0MJ3yFxvLorpjf629R5wXW0LFOmndhyiaYeRmhR9orzZzPz2sVKKFzbYZTHTSzgRS.u7RirY88o4VhfII05hthRfdI.voPeI5oXaCoQYmy3xtelb9xlsRdecpunHFisQTbLlOoAaClHP3FdSoctETowdZ9ap7rM3qWNxRZvoe.SAbTy7onvduEHaRaTXm0IHXHqfkNdbe2XJzq2oNp1DyXJ9kEUVofM5CsmhbuCA35QDluCojX6eDXyfirFKdbDxX6uk_x6XINjnZvykBdCfFcJpMVJ.UV6D1rHDAVzgS4nyECbtcvpZQt1X9HvSd_Xs0ql.NDjuUQ_klpYRJkHYiFzKZ2.8TxIC.dEVGA_.Rir50XwUdMpMXZbhso9vRzhRWOT2HdgitAZfw9a2cfQ0jj0A1f6PZoe5k3MlXndG9kvjKNSwmST.Wg0dXk_rShIKK9G4.FFKb2bpbxWeLcKiWzkwUhWCA7JZCjXWTQjzFPy0vKbiwrneWt.C8KG8MzVjZQKgPABoNanS3xklQp4XMoOGZoCTlEJ_VNggCKlpwY861EnEPP80jkWdM.RISoXW12Wqe.tXm5WBMVw1A07polEDWWAuoRI3Lrjfp0_P.6zCDDB_jy51PQRTPpeqJxuPmaOQz2C2Cu0azvYYg7sK7jnRc_UR0fsPUAjB_b1VSHZg.aLkJwF8r1rnonB7Fi9B_nfXZAKu1Jyn3sYsfwlF9fah9DLisUZbYknOyJ8ZBvZln3b.Pi48r0yx4FG._hfu_RruU4A4orM0tpr3GSvtMRCbVTQDQFiYJ_LD8qQzm18.0x4W2WnEozmBv.Ge698vWe7VUY2UOQLy97_nGOyeMAHYmhwp_8KmAd4fFWgqpYUW2SIYrxscESs3bbAKe0FEZjiSHkxbJ_GQWB.GfF5xTod1b0aTDPyV9KRcHr_K4RrsVgOa_AnOpwqgYSt1CV2Fj0kgew3d9hKOfBYIotqqu.jyQU_2xFeInwM2MQMVq7VkwXVZxcVFd7qb6l3z50J0hRM9AN_5.ntB1pWKgHJs7BVWgIkFWzNeGVBdQFCBsFlw5Fi8J5PikEw.LjuH_T_uKuDLrEs12u",mdrd: "v6ChOeluXh2CHBZssvmo59vhu53iPOaB5XlGcVVME8k-1743488027-1.2.1.1-hbgS5WnWASpnw_PwZwZecW4Sfswup7YNiSYRjYHg0lwXfIjImFKQ9tGOdF_E9bYVuPLj46yiq99_k_1rVdSQliDIcfUGztirRoiQY29vCYVV0z8GhXQl1FFp_9Fbyr8QS9nmtmck2zlltNDzMnx9Q861oyqPDabvibPoaRigqGMU_PyU8YqjM1Dr0_vylNNpFo4fs7fv2AD.OV4N2W41qmSNZdpjjfVmbTVuq69eB5NDt26xt03N191Gt.cxzLfmpej6gjTOS3hrIoJgYEJZI3MW78SDbzK2QDMRygNZIZoAk6BRsfYSOUWms6nsY_72JOklvzmZk0cOEzMEe7Aj9Po2W_Z2Jlkuliu5H3hkF8I4u5VUndr0Wv.CmIDfTcAVG32jU_Owjpc45.QUk6._3T43mW3TZvYtwitsurOvHByyDy0J6RFGJFGqXpAgnf_LhsmyZAMuRR_KkUs9zUREmQwZf7c9sP1b4SvkOgElEZU5AF5Q3BFDeygnqz1ULVixof4tGfd9lTYNKiAdAsdBseWeMuCQ6L60NgSnaS_scae.Vb65JR7On8V8bStsZAKJNNp.pxCUHh93fApRaacukGUxDG3CMRLwbuT8B4ZrrEIa4UGRCP7vroCs9YPY4OFea5ft3RxkLvgwpgJfeclToO8aUOICeVU5kpRe9mmEfSTXJjOtYj.xyTS927CXGVRmdnergkMqti4LJVqVDvIkMk024IkXPWC7hNo5N8DwtO0GM42v7MW4M50f5wg7xJYwvis4MxicU9jtx5_vXokFDtPeTKfEQMPu3fKegVBhKhaTaTTnlOSEx6etSA8TMqV6vt_GFH2wfQmWEuFSTHxS6hJIxPwj5y6K2XxiuFQC.vO1R9S4RJc.wEXXYadhhFB9QwqgjmddBrFNE1CsSf.XHWtDR.2DAqOo6ylUgrWXGmUBWZx085Dbj5gOoVbryekvdLfte9xhjFKCvdH1ecX.x5ZSIo_UcjFpckeBPyKUae3r5pVUqQBWGXmKJfVlmzwj..tYo9I2C3_lyHql7b5fIRqFo9j2ueDYhLlgp3I_LwuQzBCOQtpzoUquO1mz0NXsMGSVeBz2Ww_UAobVM8zeGnRt14foZnX.QEs0SLpmoUvAeSS947NEQNgAaK1Z73laHOye3gVIzcrGMWAh.EF.Rma6_vARuKeNWy6b8n86KozmBtL72ecol0j.8PQuQ6j5C99Ur9fg5pVMzga2gq.lBd1bVyI8Hv5lwruNL8RWZbjkHVNdjDGcXSJfFclW.pEdJtW3eNzK.6y9jxaAaDM8nBeYNu58t9AwKbwIUGuQh720Ew1LVfTPZJRy0KXBaTr6ddGXJaNE0rOnImmZ5rW_R3Ti46SKsYoYll5uBoGDpFBgCV4LrGAKyMpkss8gsE1L0_p9VPqApZeFQHYpwnwntgUJ6iM4HlUtIMV_YnJVEkVj42XcUKgfI_vygw5x4qjxpPY_BtqwBioSodshIBZKo8X5qfjpYXfZnp3c8YZDYMxDfz.XHPNcg2KLpTAJLK9VfhGBaJ.aujud4MKChIt3KVPdD5.LoBBWBLJZK9mip427_mHMRIXCG4oVoquJYgpeVxBh59HWuZolh00iN.Nxxg6gpdVHAEivpDl5EPRZI5OhxkLc2Lr2A4bNZ2j3uImLbT4nM3to5.IZVi3egdyI0H8HjqcI6hAKYE0DadBmNcSeaEObcrMhGRsrHktOkIQ8WdfGf3V7WzM.pfVa79_r6MmdMzluKMb4c_3uf4QRhe7TRyiMEdN5QZYcBT2ZwHAZj.i3x6WCyezLdwrPMSxc2KNO_UacSzDlqqxjXGpXCzvmBHFzjZPPtgbOenqbWWPKvvTq2WUkjn0GXaETraxL7TsdG7I0onzdApjE4OLeFLRGs5chuY5I5Y7vcYTT5SRRkKP.nYEFLfhetLIjWHl71kfSKVYvg8a4cPDCbij2pAsfnX_fadzC8uYj5GGMISLXrkf5uGbM.zLHofEhtaG3wCzRTYZ1YzgE.hwa2a4BebCikBXCc7m0_MV9k3DglbTWSvxQEfZJHrzOTV9kL4DNIuoHgquvDFqKDfklNhkPayHJxHkgIaDG__bSywBT2S8e"};var cpo = document.createElement('script');cpo.src = '/cdn-cgi/challenge-platform/h/b/orchestrate/chl_page/v1?ray=9295f14c1d29ce4f';window._cf_chl_opt.cOgUHash = location.hash === '' && location.href.indexOf('#') !== -1 ? '#' : location.hash;window._cf_chl_opt.cOgUQuery = location.search === '' && location.href.slice(0, location.href.length - window._cf_chl_opt.cOgUHash.length).indexOf('?') !== -1 ? '?' : location.search;if (window.history && window.history.replaceState) {var ogU = location.pathname + window._cf_chl_opt.cOgUQuery + window._cf_chl_opt.cOgUHash;history.replaceState(null, null, "\/login?__cf_chl_rt_tk=Bd6MgjBYiFJ_rl5HJjIk6FBnrhxUY30CmRDem9XsgsA-1743488027-1.0.1.1-2GoNZ73wmPS4icK9..fyBw779q.XAF9luspq2Nr6Dqk" + window._cf_chl_opt.cOgUHash);cpo.onload = function() {history.replaceState(null, null, ogU);}}document.getElementsByTagName('head')[0].appendChild(cpo);}());</script></body></html>