Articles by Patrick Wraight

The Simple Reason Homeowners’ Customers Need Replacement Cost

I’ve been thinking a lot about homeowners’ insurance lately. That might be because I’m in the middle of the BPIC (Basic Personal Insurance Course) and the last two sessions have been focused on homeowners’ insurance. It may also be that …

The Reason You Only Need One Auto Policy

This weekend was really good one for one of my sons. He got the all-too-rare opportunity to go see his girlfriend (who lives almost 350 miles from us). They both work and go to school, so their time is super …

Florida AOB Reform Efforts Fail Again as Parkland Tragedy Derails Legislative Session

With over 900 items on the Florida legislative docket and only 60 days to consider them, it’s not surprising that many bills simply die in committee or are never seriously considered. Add to that a tragic event right in the …

4 Reasons Autonomous Vehicles Won’t Control the Roads for Some Time

Monday was the first day of the AAIS Main Event. The focus was about a focus on the future and all of the speakers that we heard talked about the future of insurance. We heard from folks at Insuretech companies …

Florida AOB Reform Efforts Fail Again as Parkland Tragedy Derails Legislative Session

With over 900 items on the Florida legislative docket and only 60 days to consider them, it’s not surprising that many bills simply die in committee or are never seriously considered. Add to that a tragic event right in the …

Deductibles: Pest or Partner?

Stop me when you’ve heard this story before. A customer calls to report a claim. It’s a small business and they have a few delivery trucks running around their city. One of them was backing out of a customer’s driveway …

A Look at Risk. Are New Risks Really New?

“The more it changes, the more it’s the same thing.” Alphonse Kerr “It’s like deja-vu, all over again.” Yogi Berra The world is undergoing a pace of change unlike anything that we’ve experienced in history. Most of that change is …

Firearms: What is Our Responsibility?

Last week, we spent a little time answering the questions about how our homeowners’ policies cover firearms. Now let’s handle a question that’s a little more touchy. What do we do about it as insurance professionals? Question #3: What is …

How Does the Homeowners’ Policy Handle Firearms?

Once again, we find ourselves in the deeply political and emotional debate about guns, the second amendment, gun control, and safety. Last Friday, Florida’s Governor signed into law new gun control regulation designed to make schools safer. This is not …

What Does a New Insurance Professional Need to Know?

One of the most popular requests that we are getting lately at the Academy of Insurance is: Do you have any training for new insurance personnel? By the way, the simple answer to that question is (as you may have …