Happier Without Some Stuff
People are highly adaptive. Don’t believe me? Move into a smaller home. You’ll find out that after a little while, you’ll settle into a new routine. You’ll also look around one day and wonder why you kept all that stuff …
Do Police Officers Need to Buy Professional Liability?
Law enforcement practices and reform have been on the minds of many city government leaders in recent weeks. Some groups are advocating that police officers carry professional liability insurance. Let’s examine this concept. For this discussion, we will keep it …
3 Quick Hurricane Season Tips (Just a Little Late)
So far hurricane season has been uneventful unless you consider the giant Saharan dust cloud that traveled across the Atlantic. That just means that now is a great time for a few important hurricane season reminders. Review your hurricane season …
Do Police Officers Need to Buy Professional Liability?
I read an interesting article today on Insurance Journal (of course) about plans to reform law enforcement in Minneapolis. What interested me the most was that some groups were advocating making police officers carry professional liability insurance. You can read …
Decision Time
Somedays I wish for the times when my decisions felt like they only impacted me. When I was a kid, it felt very much like I could do whatever I wanted and it would only affect me. I didn’t think …
Umbrella or Excess Liability: What’s the Difference?
Do I need an umbrella policy or an excess policy? Is there a difference and does anyone care? There are a few reasons that an insured may need (or want) more liability coverage than certain policies will provide. The limits …
No. It’s Not Just the Insurance Company’s Fault the Policy is Hard to Read
One of the blogs that I love to read is the Property Insurance Coverage Law Blog by Merlin Law Group. You may not like this, but I find many of the insights by Chip and the team to be compelling …
Can a Governmental Entity Be Liable for Tort Claims? It Depends.
Everyone needs insurance. My entrance into the insurance world taught me that. The first place I worked in insurance specialized in providing insurance to fire departments and ambulance companies. Municipalities and their fire departments have similar exposures as other entities …
I’m From the Government and I’m Here to Help – Part 4
This is the conclusion of my series of posts about the different bills that states have put forward to force insurance companies to provide business income coverage for losses related to COVID-19. Insurers look for other areas to write business, …
I’m From the Government and I’m Here to Help – Part 3
This is third in a series of posts where I plan to respond to the bills that several states have filed to force insurance companies to pay business income claims related to COVID-19. Not reimbursing insurers means higher rates for …