The 2020 Coronavirus pandemic has caused havoc with certain classes of businesses. Many businesses suffered tremendous loss of revenue...

I wrote in an earlier blog about Garagekeepers Coverage is coverage for damage or destruction to customer’s cars left in the insured’s...

As an underwriter, I have probably underwritten hundreds of risks with an exposure to liquor liability claims. As an underwriting...

A while ago, I blogged about garage liability for repair shops as no longer being a thing. Which is true because Iso now uses a...

There are a couple of recent events which caused me to reflect on the quality of job we are doing to help our clients manage their risk...

We need to understand risk quality does not mean hazards or loss potential a business is exposed to. Hazards and loss potential relate to...

In another article, I discussed some of the pitfalls of covering Business Income exposures on an “actual loss sustained” basis without an...

In another blogs, I discussed the topics of large deductibles, and self-insured retentions. But there is another method clients can...

I never actually did a survey, but I would be willing to bet when you ask an agent what valuation option you recommend to insureds for...

This is a true statement. Well mostly true anyway. I bet if you polled most insurance agents about this issue, the majority would say...

I can still remember my Corporate Finance class when I was in college 45 years ago. Professor Rini’s comments still ring loud and clear...

So, you have a client who is interested in retaining risk. Assuming they are strong enough financially to accept greater risk and the...

We are marking the 20th anniversary of the 9/11 attacks on New York City and Washington DC. Perhaps there is no better time to look back...

Choose the best answers for the following questions 1. Which of the following statements is true? A. Loss costs for fleets are...

I truly love Spam! Fried in a skillet, on bread with mustard makes a tasty but unhealthy meal! But that’s not what I want to talk about....

I had been underwriting for maybe 8 or 9 years, when my presence was requested at a pre-renewal meeting for a large general contracting...

I want it all! And I want it now! That was the theme song for the Grub Hub commercials a couple of years back. Covid has redefined the...

Yes, people get confused by liquor liability. How do I know that? Even up till the end of my active underwriting career, I was getting...

Here’s a quick quiz for insurance agents/brokers and my underwriting brethren to determine your General Liability Pricing IQ. 1. Which of...

There are 2 theoretical questions which have yet to be solve. The first is how man angels can fit on the head of a pin? The other...