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.
While the answer is a resounding YES, there is a catch. Not surprisingly, the impressive new safety features in modern vehicles first requires the driver to learn how to properly use those features. Perhaps because old habits die hard, many motorists are not deriving a benefit from each of the safety features their vehicle provides. […]
The rising cost of auto insurance is a source of frustration for most of us. Many I speak with want to know how insurance companies determine the premiums they charge, and why those costs are rising. Insurance companies use actuarial science to analyze a lot of data to help them assess the probability of a […]
It is likely old news to most insurance consumers that the National Flood Insurance Program (NFIP) administered by FEMA is plagued with challenges. Challenges as in problems. Many. Big. Problems. This excellent New York Times article provides a sobering analysis of those problems. THE BIGGEST PROBLEM: As illustrated by the excellent chart below, although […]
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’re not covered” at the worse possible time — after a personal property or liability insurance loss. Not knowing what we don’t know is a dangerous and common cognitive bias that […]
If Mother Nature was trying to send us a message in 2017, it reminds me of the adage “When Momma ain’t happy, ain’t nobody happy”. Mountains ravaged by wildfires weaponized into a tsunami of mud, boulders, and fallen trees offers this clear message: we’d be wise to heed the lessons of the past and prepare […]
Although these three words are borrowed from “The Rime of the Ancient Mariner” , they capture the heartbroken sentiments many homeowners experience after a failure in their internal plumbing system has caused water to flow throughout their home. Sometimes for many hours or days. Just how common are losses like this? Research from the […]