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.

Calling All Insurance Experts – Have You Ever Considered Webinars?

I have spent some time the last couple of weeks working on next year’s Academy of Insurance webinar schedule. No. It’s not online yet but look for it to start appearing soon. That made me think about something that I’ve …

Holiday Policy Language: Thanksgiving 2019

It’s that time of year again. It’s a time when millions of us will take to the air or to the road and travel to visit with our families and give thanks for all of the blessings that we have. …

Introducing Popsicle Insurance, A Children’s Book

I wonder how many of us grew up wanting to get into the insurance business. I know that I didn’t. My path took me around the world before I found myself in need of a job. That’s what brought me …

Fix the Broken Healthcare System

It’s November and while I have many reasons to be full of joy this time of year, there are still two events that reduce my joy. In fact, one of them makes me downright upset. The first cannot be helped. …

Covering Cannabis Risks on a BOP

Back in June 2018, AAIS filed its first CannaBOP policy to provide admitted markets a BOP that would cover the unique risks associated with cannabis businesses. While the admitted market has yet to fully embrace the cannabis businesses, this policy …

A Quick Introduction to Occurrence vs. Claims-Made Forms

We received this question recently. I have inherited an account where the primary CGL was written on an occurrence form and the excess liability was written on a claims-made form. Can you help explain why this isn’t a great situation? …

CBD Coverage Confusion

I had a chance to read an exclusionary endorsement this week that was really interesting. Let me set the stage with a question. Is there coverage for BI or PD related to the sale of CBD infused edible products? Since …

Why the Differences Make a Difference in Coverage

We recently received a question from a reader who had a customer with several single-family dwellings as rentals, all written on carrier-specific DP 00 03 (DP-3) policies. The question: “What are the pros and cons about leaving the dwellings on …

Keep Learning

I have used a phrase in my email signature for the last several years. Keep learning. It’s central to the way I live. That’s why I try to read at least 15 minutes every day. That’s why I started working …

1 Simple Step to Lose Customers if That’s What You Want

There’s something wrong with the insurance buying process. That’s not really accurate. There’s a lot wrong with the insurance buying process. Specifically, the process of getting personal auto insurance is broken. I’ve been helping a friend with their insurance buying. …