For high-net-worth (HNW) individuals, wealth brings comfort, but also exposure. When your name carries weight, your digital footprint becomes a goldmine for threat actors. Private equity titans, celebrity philanthropists, and even discreet art collectors are...
They’re invisible. They’re virtually indestructible. And they’re turning into a regulatory nightmare. PFAS (short for per- and polyfluoroalkyl substances) have earned the nickname “forever chemicals” because they don’t break down in the environment or the human body....
Workers’ compensation continues to be the outlier line of business in a volatile property and casualty market. While other lines have struggled with loss creep, rate inadequacy, and capital constraints, workers’ compensation has quietly maintained its position as one...
The U.S. Marine Transportation System (MTS) is the backbone of global trade, moving trillions in goods annually. But as it becomes more digital, it also faces greater exposure. In response to rising cyber threats targeting this critical infrastructure, the U.S. Coast...
When it comes to cyber threats, insurance is designed to protect businesses and individuals from those risks. But what happens when the insurance industry is attacked? Recent headlines have insurance companies talking about vulnerability in a new way. The Protector...
When private companies think about risk, they often start with the obvious: property damage, employee injuries, or maybe even cyber breaches. But there’s another category of risk that often surprises private business owners: Directors and Officers (D&O)...
The construction insurance market is still deeply entrenched in a hard cycle, but a notable divide is emerging beneath the surface. While general contractors (GCs) are beginning to see modest signs of relief, like more carrier capacity and greater competition, smaller...
After years of rapid growth, many cannabis businesses today are experiencing a challenging market. Oversupply, stiff competition, and relentless regulatory burdens have triggered a wave of price compression, a sustained drop in wholesale and retail prices impacting...
When it comes to placing garage and auto dealer risks, the fastest way to lose momentum is with a red-flagged submission. In a crowded market where underwriters are working through stacks of quotes, even a minor issue, like missing driver data or fuzzy...
It’s never been easier to get a quote for Directors & Officers (D&O) insurance. A few clicks, a few forms, and you’re bound. But in today’s unusually soft D&O market, that ease of access can be misleading. Policies might look comprehensive at face value,...
Somewhere, right now, a mid-sized manufacturing client is filing their fifth workers’ comp claim in less than 12 months—this time for a preventable forklift accident. When the carrier reviewed the loss history, premiums increased, credits were removed, and maybe a...
A longtime client calls, frustrated. One of their warehouse workers slipped on the job, fractured his wrist, and is now out for weeks. Instead of a seamless claims process, the client faces confusing paperwork, an irritated employee, and a reimbursement check that’s...
As storms grow more unpredictable, the insurance industry is reassessing how we analyze and underwrite property risks.
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