Articles by Patrick Wraight

Seven months. You turned around today to realize that the year is Seven months old. Your plan for 2020 is Seven months old. Your expectations for 2020 are Seven months old. It’s time to take all of your plans and …

I was recently asked this question. What do you think about efforts to simplify policy language? The answer is never as simple as it seems at first. The simple answer is that I’m for making the insurance policy easier to …

People are highly adaptive. Don’t believe me? Move into a smaller home. You’ll find out that after a little while, you’ll settle into a new routine. You’ll also look around one day and wonder why you kept all that stuff …

Law enforcement practices and reform have been on the minds of many city government leaders in recent weeks. Some groups are advocating that police officers carry professional liability insurance. Let’s examine this concept. For this discussion, we will keep it …

So far hurricane season has been uneventful unless you consider the giant Saharan dust cloud that traveled across the Atlantic. That just means that now is a great time for a few important hurricane season reminders. Review your hurricane season …

I read an interesting article today on Insurance Journal (of course) about plans to reform law enforcement in Minneapolis. What interested me the most was that some groups were advocating making police officers carry professional liability insurance. You can read …

Somedays I wish for the times when my decisions felt like they only impacted me. When I was a kid, it felt very much like I could do whatever I wanted and it would only affect me. I didn’t think …

Do I need an umbrella policy or an excess policy? Is there a difference and does anyone care? There are a few reasons that an insured may need (or want) more liability coverage than certain policies will provide. The limits …

One of the blogs that I love to read is the Property Insurance Coverage Law Blog by Merlin Law Group. You may not like this, but I find many of the insights by Chip and the team to be compelling …

Everyone needs insurance. My entrance into the insurance world taught me that. The first place I worked in insurance specialized in providing insurance to fire departments and ambulance companies. Municipalities and their fire departments have similar exposures as other entities …