Comparing Coverage: Umbrella and Excess Liability June 17, 2019 By Patrick Wraight Liability insurance protects the customer when something happens to someone else. Customers have liability exposures if they do something, sell...
How Much Insurance is Enough? June 12, 2019 By Patrick Wraight Have you ever thought about how much insurance a person should buy? If you ask the agent, she might tell...
What is the Underwriter Thinking? June 5, 2019 By Patrick Wraight Got a really interesting question this week. The essence of it is that the agent has a customer with a...
We Could Try to Make Insurance Easier to Read May 29, 2019 By Patrick Wraight Insurance policies are hard to read, and I don’t think that they necessarily need to be so. Some would say...
Winning the Race to the Bottom May 22, 2019 By Patrick Wraight “The car’s just not worth anything.” “The state only requires…” “I don’t owe on it, so I don’t have to...
Cyber Liability Policies – Who Needs Them? May 20, 2019 By Patrick Wraight Cyber insurance appears to still be a mystery, although the first cyber liability policies appeared 20 years ago. What is...
3 Steps in Maximizing ROI on Learning May 15, 2019 By Patrick Wraight One of the questions that we get more often than I’m comfortable with is, “Do you provide continuing education credit?”...
4 Thoughts About THREE May 8, 2019 By Patrick Wraight I’ve held off commenting very much on THREE, the new three-page commercial policy by Berkshire Hathaway. It’s time for a...
A Quick First Look at Florida’s New AOB Bill May 1, 2019 By Patrick Wraight I have a new hobby. It compliments one of my other hobbies, reading insurance policies. What is it? I’ve started...
Wading Through Coverage Differences in Expanding Private Flood Insurance April 24, 2019 By Patrick Wraight It has been a long-held insurance axiom that flood is not considered an insurable peril due to its potentially catastrophic...