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.

Drivers at Risk: Why Delivery Apps Might Leave Clients Without Coverage

Why Delivery Apps Might Leave Clients Without Coverage Just a few years ago, a grocery run or a run to Chick-fil-A was to get something you needed and bring it home. These days, it seems like a run anywhere can …

Beyond Farming: Agritainment and Farm Liability Coverage

The business of operating a farm has evolved significantly in the past several years. It’s not just about planting, caring for, harvesting and selling crops. It’s often about other ways that the land can be used. It may be family-friendly …

Why I Insurance

In his book, the Infinite Game, Simon Sinek speaks of the elements of an infinite mindset. In part, those elements include a just cause. I see my work in the insurance field as a just cause. A just cause includes …

How should insurance commissioners get the job?

WARNING: This is a long one. Buckle in. Insurance Journal recently published an article detailing what action the Florida legislature is planning to take this year related to insurance. One item in particular caught my attention (so far); Senate Joint …

Is it a MORAL or MORALE hazard?

I just read a really interesting article about determining liability when there is a car accident involving an autonomous vehicle. The article presents some of the findings from a study done by Columbia Engineering and Columbia Law School that indicates …

Valuation of Manufactured Homes

Building valuation can be confusing at best. If you go to a real estate website like Zillow, it’ll give you an estimated market value for a building. It’s doubtful that anyone really knows how they come up with their estimates …

Speculations on Risk

If you look at news in any way, you understand that the world is risky. Take a look at these stories in Insurance Journal. Worker in New Jersey Seriously Injured When Ditch Collapses Around Him Two Women Killed After New …

New Years Eve – Some Risk Management Thoughts

On this first day of the year, I think it’s time to introduce a new seasonal them; the holiday risk management edition. Last night, people celebrated the New Year in all of the traditional ways. One of those traditions that’s …

Holiday Policy Language: Christmas 2019

It’s time for another edition of holiday policy language, especially for Christmas 2019. This time, I felt it necessary to address a modern affliction that many people deal with. Some people love this time of year while others simply get …

A Few Holiday Risk Management Tips

This is a note to wish you a Happy Holidays. Before you think I’m backing away from my own personal love for and celebration of Christmas, let me list a few holidays (according to holidayinsights.com) that I hope you’ll celebrate …