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 …
A Hint of Light in the Public Adjusting World
I recently read an article on Claims Journal about licensing for public adjusters. Here it is. Public Adjusters Winning Broad Support for Licensing as Carriers Fret About Inflated Claims Let me quote from a paragraph that was surprising to me. …
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. …
5 Podcasts on My Playlist
Since school is back in, I wanted to take some time and space and dedicate it to one of my favorite (free) ways to keep learning; the podcast. If you don’t know what a podcast is, it’s a lot like …
I remember that day 18 years ago
It’s been 18 years. 18 years since another layer of innocence was stripped away from our collective consciousness. I wanted to write about going back to school this week, but I feel compelled to remember a day that is seared …
Cyber Coverage Confusion
I had the opportunity recently to read two cyber liability policies and they honestly made my head spin a little. There were coverages that I hadn’t thought about and restrictions that didn’t make sense (at least for a while). The …