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	<title>Patrick Wraight - Insurance News Archive</title>
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	<title>Patrick Wraight - Insurance News Archive</title>
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<authorPhoto>https://www.insurancejournal.com/app/uploads/2017/11/patrick-wraight-120x135.jpg</authorPhoto><authorBio><![CDATA[Patrick Wraight, CIC, CRM, AU, is director of Insurance Journal's Academy of Insurance. He can be reached at pwraight@ijacademy.com.]]></authorBio>	<item>
		<title>Apartment Living: Why Property Owners Need Solid Insurance Requirements and Verification Processes in Lease Agreements</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2026/08/17/881413.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 17 Aug 2026 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=881413</guid>

							<description><![CDATA[One of the upsides of apartment living is that you aren&#8217;t responsible for many of the maintenance issues that come with homeownership. One of the downsides is that you can&#8217;t always just do whatever you want with your apartment. Another &#8230;]]></description>
		
		
		
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		<item>
		<title>Why Building a Benefits Department Is Good Business</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2026/07/13/877093.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 13 Jul 2026 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=877093</guid>

							<description><![CDATA[For many property and casualty agents, the realm of employee benefits might seem like a strange and mysterious world outside of their normal business. But what if it could be a way of strategically meeting the clients&#8217; needs and building &#8230;]]></description>
		
		
		
		<enclosure url="https://www.insurancejournal.com/app/uploads/2026/07/why-building-a-benefits-580x326.jpg" length="46975" type="image/jpeg" />	</item>
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		<title>Cyber Risk Discovers Insurance Infrastructure</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2026/07/08/876746.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Wed, 08 Jul 2026 19:27:55 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[cyber incidents]]></category>
		<category><![CDATA[NAIC cybersecurity]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=876746</guid>

							<description><![CDATA[It seems like we get alerted of another data breach or other cyber incident every week. These incidents have gone beyond what we expect. It&#8217;s more than the retailer or the online store. We are seeing hospitals, cities, and more &#8230;]]></description>
		
		
		
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		<item>
		<title>America Turns 250, and the Risk Meter Is Still Working</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2026/07/02/876192.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Thu, 02 Jul 2026 20:18:32 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[Independence Day celebrations]]></category>
		<category><![CDATA[satire]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=876192</guid>

							<description><![CDATA[This weekend, America turns 250 years old and that means that everyone will be celebrating in the most American of ways. We are all for the traditional celebrations, but let&#8217;s face it, it&#8217;s hard to turn the internal risk meter &#8230;]]></description>
		
		
		
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		<title>The Insurance Review Clients Actually Need This Summer</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2026/06/24/875032.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Wed, 24 Jun 2026 12:00:32 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[flood]]></category>
		<category><![CDATA[hurricane deductibles]]></category>
		<category><![CDATA[Hurricane Season]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=875032</guid>

							<description><![CDATA[The Atlantic hurricane season is almost a month old. Two events have already happened that could improperly shape our vision of this year&#8217;s storm season if we don&#8217;t keep a proper perspective on it. The first event was the announcement &#8230;]]></description>
		
		
		
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		<title>Umbrella Traps: Errors That Create Trouble in the Layers</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2026/06/22/874406.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 22 Jun 2026 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=874406</guid>

							<description><![CDATA[There are many reasons a business or individual might buy umbrella coverage. They may have current assets that they want to shield from the potential for loss. They may also be planning to shield future assets. They may just want &#8230;]]></description>
		
		
		
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		<title>The Hidden Insurance Risks of Ultra-Processed Foods</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2026/05/15/870111.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Fri, 15 May 2026 18:30:35 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[ultra processed foods]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=870111</guid>

							<description><![CDATA[American grocery culture is so used to ultra-processed foods that snack maker Frito-Lay recently decided to overhaul their potato chip bags to tell people specifically that their potato chips are made with real potatoes. Ultra-processed foods are everywhere, and in &#8230;]]></description>
		
		
		
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		<title>Could Social Media Open the Door to Medical Liability Exposures?</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2026/05/04/868025.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 04 May 2026 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=868025</guid>

							<description><![CDATA[If you are on any social media platform, you&#8217;ve likely seen them. Medical professionals who are gaining a following because of the funny way they portray the medical community. Medical professionals who are fighting against misinformation (as they define it). &#8230;]]></description>
		
		
		
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		<title>Oh, the Places You Can Go in Insurance</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2026/04/13/865257.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 13 Apr 2026 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=865257</guid>

							<description><![CDATA[I recently had the opportunity to attend the CLM annual conference, hosted by the Claims and Litigation Management Alliance, and one of the sessions that I was interested in was about the hiring gap that the insurance world is deep &#8230;]]></description>
		
		
		
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		<title>Your clients are sharing everything. What could possibly go wrong?</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2026/01/19/854736.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 19 Jan 2026 13:30:46 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[home-sharing rentals]]></category>
		<category><![CDATA[peer-to-peer car-sharing service]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[sharing]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=854736</guid>

							<description><![CDATA[Uber launched in 2010 in San Francisco with just a few cars and in the fourth quarter of 2024 paid their drivers $20 billion. Airbnb&#8217;s website says that it was born in 2007 when two hosts welcomed three guests in &#8230;]]></description>
		
		
		
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		<title>What to Consider When Building Insurance Programs for Aging Properties</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2025/10/20/843978.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 20 Oct 2025 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=843978</guid>

							<description><![CDATA[In July 2021, after the collapse of the Champlain Towers South in Surfside, Florida, the city of Miami ordered structural inspections of all buildings over 40 years old. Since then, two other condominium buildings have been deemed unsafe and evacuated. &#8230;]]></description>
		
		
		
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		<title>Hurricane Season Considerations: Generator Edition</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2025/06/10/826400.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Tue, 10 Jun 2025 10:01:59 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[generators]]></category>
		<category><![CDATA[Hurricane Season]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=826400</guid>

							<description><![CDATA[Last week, we answered the question; What do people need to know about hurricane season? In responding to that question, it occurred to me that there is more to the answer and I want to focus on the question of &#8230;]]></description>
		
		
		
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		<title>Risk Management Considerations When Having Family Fun</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2025/05/19/823747.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 19 May 2025 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=823747</guid>

							<description><![CDATA[One of my favorite recent additions to our Academy of Insurance catalog has been our How To Write series. We have used this series of sponsored content to highlight niche markets so agents can be exposed to what makes for &#8230;]]></description>
		
		
		
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		<title>Question of the week: Is there real data about EV hacking?</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2025/04/15/819798.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Tue, 15 Apr 2025 12:15:44 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[autonomous car hacking]]></category>
		<category><![CDATA[electric vehicle]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=819798</guid>

							<description><![CDATA[This week&#8217;s question comes from Dan. If you want an answer to your insurance questions, just respond to this email and watch for an answer in a future email. Has there been any credible data regarding electric vehicles being hacked &#8230;]]></description>
		
		
		
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		<title>Understanding the Risks and Coverages in Condo Association D&#038;O</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2025/04/07/818450.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 07 Apr 2025 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<category><![CDATA[condo associations]]></category>
		<category><![CDATA[Directors & Officers (D&O)]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=818450</guid>

							<description><![CDATA[Directors and officers (D&#38;O) coverage is critical for any organization that is governed by a board of directors. It provides coverage for those decisions that the board makes in good faith for the benefit of the organization. They need this &#8230;]]></description>
		
		
		
		<enclosure url="https://www.insurancejournal.com/app/uploads/2025/04/condominiums-580x259.jpg" length="35644" type="image/jpeg" />	</item>
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		<title>Viewpoint: Smoke Damage from LA Wildfires Leaves Questions to Be Answered</title>
		<link>https://www.insurancejournal.com/news/west/2025/04/02/816941.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Wed, 02 Apr 2025 05:00:48 +0000</pubDate>
				<category><![CDATA[West News]]></category>
		<category><![CDATA[damages]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[insured losses]]></category>
		<category><![CDATA[L.A. wildfires]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=816941</guid>

							<description><![CDATA[The question has come up wondering if smoke damage is covered for those homes that were impacted by the Los Angeles wildfires but were not damaged by the actual fires. A cloud of smoke from a fire is larger than &#8230;]]></description>
		
		
		
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		<title>What to Know About Deductibles After Multiple Florida Hurricanes</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/11/18/801371.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 18 Nov 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=801371</guid>

							<description><![CDATA[Deductibles serve several purposes. They provide some premium relief for the insured. They make insureds less likely to file smaller claims because either damage falls within the deductible, or is so close to it that the policyholder would rather not &#8230;]]></description>
		
		
		
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		<title>Update: What&#8217;s Going on With Condos?</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/10/21/797422.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 21 Oct 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=797422</guid>

							<description><![CDATA[The condominium building is an interesting form of owning property where an individual owns their unit, what is sometimes referred to as a box of air, and at the same time, becomes a part of the condominium ownership association, which &#8230;]]></description>
		
		
		
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		<title>Explaining Deductibles After Multiple Florida Hurricanes</title>
		<link>https://www.insurancejournal.com/news/national/2024/10/16/796799.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Wed, 16 Oct 2024 05:12:15 +0000</pubDate>
				<category><![CDATA[National News]]></category>
		<category><![CDATA[Southeast News]]></category>
		<category><![CDATA[hurricane deductibles]]></category>
		<category><![CDATA[Hurricanes]]></category>
		<category><![CDATA[policy language]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=796799</guid>

							<description><![CDATA[Deductibles serve several purposes. They provide some premium relief for the insured. They make insureds less likely to file smaller claims because either damage falls within the deductible, or is so close to it that the policyholder would rather not &#8230;]]></description>
		
		
		
		<enclosure url="https://www.insurancejournal.com/app/uploads/2024/09/homeowners-insurance-policy-272434675-bigstock-1536x1024-1-580x387.jpg" length="44080" type="image/jpeg" />	</item>
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		<title>Insuring the Unique Risks of a Bed &#038; Breakfast</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/10/07/795709.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 07 Oct 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=795709</guid>

							<description><![CDATA[Big brand hotels give the customer the exact experience that they expect. When you go to one in Florida, it&#8217;s essentially the same as going to one in Ohio. Boutique hotels are normally a bit more unique and offer an &#8230;]]></description>
		
		
		
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		<title>Small Contractors Are Often Unaware of Risk Issues They Face. An Agent&#8217;s Expertise Can Help with That.</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/09/02/790759.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 02 Sep 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=790759</guid>

							<description><![CDATA[We had some work done on our home recently and the contractor wasn&#8217;t what I was expecting. When I spoke with the GC (General Contractor), he told me that his sub (contractor) would be at my house, working on some &#8230;]]></description>
		
		
		
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		<title>Houses of Worship and the State of Insurance</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/08/19/788749.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 19 Aug 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=788749</guid>

							<description><![CDATA[A recent Insurance Journal article decried the state of insurance for churches and it&#8217;s mostly about their property insurance issues and we all know that the property insurance space has struggled in recent years, especially in storm-prone areas. But why &#8230;]]></description>
		
		
		
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		<title>Condos: A Difficult Market to Navigate</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/08/05/786600.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 05 Aug 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=786600</guid>

							<description><![CDATA[The condominium building is an interesting form of owning property where an individual owns their unit, what is sometimes referred to as a box of air, and at the same time, becomes a part of the condominium ownership association, which &#8230;]]></description>
		
		
		
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		<title>Umbrella Liability: The Triple Upsell Possibility for Personal Lines Clients</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/06/17/779370.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 17 Jun 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=779370</guid>

							<description><![CDATA[When it comes to most of the personal lines market, it&#8217;s pretty straightforward. A person buys a car, and they need insurance. A person buys a home or rents an apartment, and they need insurance. Often, they can benefit from &#8230;]]></description>
		
		
		
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		<title>Book Review: Born2Lead</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2024/06/06/778085.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Thu, 06 Jun 2024 12:00:48 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[book review]]></category>
		<category><![CDATA[born2lead]]></category>
		<category><![CDATA[leadership]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=778085</guid>

							<description><![CDATA[What do the little engine that could, insurance executives, and a Boy Scout Scoutmaster have in common? They all play into the prose of the book, &#8220;Born2Lead&#8221;, by Michael Koscielny, Jr. Mike is a &#8220;retired&#8221; insurance executive. That might be &#8230;]]></description>
		
		
		
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		<title>Let&#8217;s Win One for the Good Guys: A Familiar Claims Situation</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2024/05/30/775809.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Thu, 30 May 2024 19:38:13 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[180-day rule]]></category>
		<category><![CDATA[replacement cost]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=775809</guid>

							<description><![CDATA[Growing up we all watched television shows and movies pitting the good guy against the bad guy. Often the bad guy held some power over the good guy, either as the boss, the holder of all the money or the &#8230;]]></description>
		
		
		
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		<title>The Gaming Boom: Potential Risks and Insurance Implications</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/05/20/774568.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 20 May 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=774568</guid>

							<description><![CDATA[You don&#8217;t have to look very far to understand that the gaming (gambling) industry in the United States is booming. What was only available for those who wanted to travel to Las Vegas or Atlantic City is now available on &#8230;]]></description>
		
		
		
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		<title>3 Things to Know About Condo Association Boards</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/04/01/766857.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 01 Apr 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=766857</guid>

							<description><![CDATA[The condo association takes on a special level of responsibility because of the unique form of ownership that is the condominium. To make sure we are all on the same footing, a condominium is a form of ownership where a &#8230;]]></description>
		
		
		
		<enclosure url="https://www.insurancejournal.com/app/uploads/2024/03/condos-580x387.jpg" length="87803" type="image/jpeg" />	</item>
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		<title>Top 4 Alternatives to Purchasing Homeowners Insurance</title>
		<link>https://www.insurancejournal.com/magazines/mag-features/2024/03/04/762506.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Mon, 04 Mar 2024 00:00:00 +0000</pubDate>
				<category><![CDATA[Features]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=762506</guid>

							<description><![CDATA[Homeowners insurance companies are having a rough year. What&#8217;s worse is that they seem to be taking it out on us, their customers. According to an article on Policygenius, the cost of homeowners insurance went up an average of 21% &#8230;]]></description>
		
		
		
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		<title>Mortgage Value Limit for Homeowners? That Sounds Like a Bad Idea</title>
		<link>https://www.insurancejournal.com/blogs/academy-journal/2024/01/05/754666.htm</link>
		
					<dc:creator><![CDATA[Patrick Wraight]]></dc:creator>
					<pubDate>Fri, 05 Jan 2024 21:14:45 +0000</pubDate>
				<category><![CDATA[Academy Journal]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[Government]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[insurance legislation]]></category>
		<guid isPermaLink="false">https://www.insurancejournal.com/?p=754666</guid>

							<description><![CDATA[For context, I suggest that you read this Insurance Journal story that provides some details related to the bill that I want to discuss. Here&#8217;s the link: https://www.insurancejournal.com/news/southeast/2024/01/04/754264.htm. We put this Florida story in the &#8220;Politicians don&#8217;t understand insurance&#8221; file. &#8230;]]></description>
		
		
		
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