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The definitive thoughts, frameworks, and analyses on modern risk.
Albert Einstein on the topic of problem solving: “If I had an hour to solve a problem and my life depended on the solution, I would spend the first 55 minutes determining the proper question to ask, for once I know the proper question, I could solve the problem in less than five minutes.” As […]
Check this fascinating 3 minute video on You Tube documenting the “best of the winter of 2013-2014” !
A total of 86 current and former members of a fraternity at Yale University are being personally sued in connection with a deadly tailgating crash at the annual Yale-Harvard football game in New Haven in 2011. How is it that the 86 local fraternity members are being sued personally? It seems the insurance carrier of […]
Huntington Town Supervisor Frank Petrone is asking residents to take an online survey to help local and county officials re-examine their plans for dealing with natural disasters. The intent is to work with other nearby communities and Suffolk County to develop strategies to reduce losses caused by natural disasters. I’ve taken the 21-question survey, and was generally […]
It is well documented that residential fires increase each year during the Holiday Season. I have had two different friends who lost their homes to fire on Christmas day.. Candles are a big culprit, as well as Christmas tree lights. This was never an issue in the O’Brien household growing up —- my father was […]
These three words exclaim a bold new marketing theme for PURE High Net Worth Insurance. They depict PURE’s deep organizational commitment to deliver insurance not as a commodity, but as an invaluable service to their member policyholders. The words also dare to redefine the expectations consumers should have of their insurance company. Finally, this bold […]
News reports on the effects of the flood insurance reforms being implemented have overly focused on those who are experiencing extremely high increases in their flood insurance premiums. Meanwhile, be aware the implementation of the BW12 Reforms will take place over many years, and knowing for certain the final cost impact and just how many will be […]
The beginning or end of daylight savings time each year marks a real rise in the risk of DWD —- Driving While Drowsy. With the end of daylight savings time arriving this weekend, it will be extra important to “watch out for the other guy“ while on the road in the weeks ahead. He / she may be […]
The Biggert Waters Flood Reform Act of 2012 has created a harsh new normal for those requiring flood insurance in high risk flood zones. Beginning this past Oct. 1, flood insurance premiums for more than 1 million homeowners are increasing in compliance with legislation passed by the U.S. Congress last year to remedy the massive […]
As an insurance advisor who strives to help consumers make well informed decisions to intelligently manage their many risks, properly framing such risks is a real challenge. I avoid the tone of scare-monger, while also reminding others that just because a risk has not personally impacted them does not mean it might not in the […]