INSIGHTS ARCHIVE
Risk Intelligence & Strategic Insights
Explore a curated collection of articles on personal risk, cyber exposure, property protection, and the evolving nature of strategic risk management for affluent individuals and families.
There are a number of policy provisions and claims settlement procedures that enable some car insurance carriers to dramatically reduce their costs when repairing a damaged vehicle. The good news: those carriers are often able to charge less for insurance, since their repair costs are lower. The bad news: This shocking recent report by CNN […]
Not knowing the right questions to ask about your insurance protection is among the key reasons far too many consumers hear the dreaded words “you are not covered” at the worse possible time — after a personal property or liability insurance loss. Following are examples of frequently asked questions many consumers ask when making important decisions about […]
Citing an unusually high number of catastrophic weather events last year, ratings agency A.M. Best reports that the U.S. property/casualty industry reported its largest underwriting loss since 2006. The industry’s combined ratio is expected to deteriorate 6.5 points to 107.5 for 2011 from 101.0 in 2010. (Combined ratio equals expenses and losses divided by premiums; a value greater than […]
This time each year, it seems the media is full of back-to-school protection tips advising parents and college students on how to protect their “stuff”. While the guidance is helpful, these tired articles commonly ignore the host of emerging risks that can expose a family’s assets and jeopardize the welfare of their child. Every […]
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 […]
I recently read yet another article by a main stream journalist that promised readers “weird new steps” to lower the cost of auto insurance for those with teenage drivers. If you have a teenage driver, this topic can sure stimulate interest! As a parent and insurance insider who has experienced the financial pain associated with […]