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.

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 …

Finding the Missing Pieces in the Condo Insurance Coverage Puzzle

Have you ever watched someone try to finish a jigsaw puzzle with pieces missing? There are still a few hundred pieces to place, but there is one open space in the middle of a grove of trees that beckons to …

You Bought Insurance For What?

Have you ever gotten an email with the subject line “You Need Search and Rescue Insurance”? Yeah. I hadn’t either; until last week. Seems we have an adventurer in our office and he has what he calls search and rescue …

How About a Real NFIP Renewal for Once

I wanted to write something this week about some piece of policy minutia. I had about 500 words written when I realized that it wasn’t going to happen. So, I set that aside and gave in to what was really …

A Reason We Speak Insurance – It’s What We Read

I think I get it now. Everything is starting to make more sense than ever before. Sorry, maybe I should catch you up on my thoughts. I’ve been wondering why it is so hard to read insurance policies. And why …