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Cornerstone Essays

The definitive thoughts, frameworks, and analyses on modern risk.

The following anonymous critique about blogging could not be more sobering (or accurate): “Never have so many words been written by so many and read by so few.” Ouch! This blog has now been visited over 10,000 times. While that number has required over 5 years of monthly (or more often) posts, it is a […]

Especially over the past decade, several insurance carriers have introduced a wide range of valuable services to help those who collect all sorts of valuables understand their vulnerability to loss and take steps to reduce a wide range of risks. If you want the long story on the many services available, check this article: http://www.irmi.com/expert/articles/2012/obrien11-personal-risk-management.aspx […]

Ever wonder what would happen if “The Big One” — a really big hurricane — hit the New York City area? A new study reveals if a hurricane similar to the one that battered the East Coast almost 200 years ago were to strike today, it would make the damage caused by Superstorm Sandy seem […]

Was Your Gmail Account Leaked?. Check this link to learn how to find out!

I met the author of the blog post linked below after he wrote the following in a discussion thread on LinkedIn: “It does not matter what you know until you know what it means.” I reached out to the author to ask him for the source of this observation and to learn more about his work, […]

Those who advise financially successful families understand the most cost efficient use of insurance is to transfer large risks that can present a significant financial loss, while self-insuring smaller risks that can be avoided or absorbed. Remarkably, however, many financially successful families do not understand they are taking the opposite approach by renewing insurance policies […]

Equipping your home(s) with wireless video capabilities is now both easy and affordable. With Dropcam, you can have multiple wireless security cameras at a remarkably low-cost. With high-definition live streaming, night vision, two-way talk and mobile apps, it’s now simple to stay connected with the place you call home. Especially for seasonal homeowners, the added security and […]

A common provision in many contracts stipulates in the event of litigation between parties to the contract, the prevailing party in the litigation is entitled to recover their attorneys’ fees from the losing party. Coverage for this risk is almost always excluded by all forms of insurance policies, leaving unsuccessful litigants exposed to what can […]