Articles by Patrick Wraight

Patrick Wraight, CIC, CRM, AU, is director of Insurance Journal's Academy of Insurance. He can be reached at pwraight@ijacademy.com.

A Drive Through the Panhandle After Michael

You know that Hurricane Michael came through the Florida panhandle as a powerful Category 4 storm. In fact, when it made landfall, it was just 2 mph from being considered a Category 5 storm. It is the most powerful hurricane …

Mixing Up Occupancy for Commercial and Residential Properties

There is a trend in residential construction to build condominium communities that go beyond the traditional amenities we’re used to. We are accustomed to work out rooms, pools, game rooms and the like in communities. What we see today also …

How Much Coverage Do They Really Need?

Ah young love. Isn’t it grand? My oldest son is recently married. Seems like yesterday he was jumping skateboards and bikes in my driveway. Now he’s all grown and on his own. Oh well, as they say, Ob-La-Di, Ob-La-Da life …

Laying the Bike Down. Where Insurance and Motorcycles Meet

I had a conversation last week that gives me hope for society and makes me angry at the same time. It all goes back to an unfortunate incident where a friend had a motorcycle accident. He and his bike are …

Did You Just Ask That?

We’ve received a few questions lately through our Ask an Expert service that motivated this post. Wait. You don’t know about Ask an Expert? It’s a benefit of the new subscription service through Insurance Journal, called IJPro. You hadn’t heard …

Cannabis: Striking a Balance Between Federal and State Laws

Currently, 30 states and the District of Columbia have legalized the use of cannabis in some form. Some states restrict use to medically necessary uses, while other states have legalized recreational use. Still other states have formally (or informally) de-criminalized …

Pay Attention to the Hurricane Deductible

It’s hurricane season. I’ll wait for your shock to subside. If you live in a coastal state from Texas on the Western Gulf Coast to Virginia, you already knew it was hurricane season. I’m just reminding those who don’t live …

How to Help Clients with Disaster Claims and Avoid Agency E&O Claims

In an online discussion on agency errors and omissions (E&O) exposures following Hurricanes Harvey and Irma, Florida Association of Insurance Agents’ (FAIA) David Thompson, insurance educator for more than 20 years, and Dan Britto, professional liability attorney with the law …

Customer Service: You’re Doing It Wrong.

Insurance is a business that’s all about people. I know. You’ve heard that before but let me be as clear as I know how. Your customers are not just some business out there. They aren’t just some person, or people, …

Some Bad Reasons to Buy Insurance

Why do people buy insurance? I’ll take a hand. Better yet, just shout out your answers. I just imagined someone sitting in a cubicle suddenly shouting, “It’s the law,” and that thought makes me laugh out loud while I try …