Privacy Policies and Disclosures – What’s the Big Deal?

Dealing with privacy and cyber risks can be daunting, but it does not have to be; it’s just a matter of re-framing the conversation to reflect the fact that your web site, mobile app and digital footprint are an extension of your organization’s real estate. You would not consider entering into a real estate or… Read More »

Not Sure What to Expect?

If you are not sure what you expect, then how can your expectations be met? No one would dispute the value of a well-structured commercial and professional liability insurance program, particularly during business development negotiations or after a claim. A proper program needs to address critical business needs which include risk management, contractual obligations, business… Read More »

When Insurance Fails To Meet Expectations

When insurance fails to meet expectations the parties are often surprised by the failure… failure should be expected. The nature of insurance is somewhat of an anomaly. Insurance is one of most widely used, yet least understood, contracts. It is the lynch pin of the modern economy facilitating and underlying most modern economic transactions as… Read More »

Insurance Is Not a Commodity

With an understanding of the language, knowledge of the reasoning behind the words and effective communication skills one can create change. The thought that a business or professional insurance program is a commodity may be the most significant single factor leading to unmet expectations, unexpected costs and financial hardship at the time of a claim.… Read More »

Cyber Risk

Decisions need to be made about the most pressing exposures to risk that may impact an organization. Consider “Cyber Risk” and related “Cyber Liability”, it is indisputable that this type of risk is significant but how to address it beyond a technology and behavioral controls can be a confusing question. How and where does an… Read More »