Our Perspective
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Indications Point to Rising Personal Umbrella Losses - What About Your Book?
By Karen Tuomi October 14, 2019English
Several major companies have increased Personal Umbrella rates in 2019. While this is not unprecedented, the amount of the increases and indications within the filings are worth noting. All the data we reference was found in recent public insurance...
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Driving Under the Influence of Marijuana
By Bill Baumann June 20, 2018English
As more states legalize marijuana for medical and recreational use, there is a rising concern about the risk of people getting behind the wheel while high. Marijuana can slow reaction time, impair judgment and distance, and decrease coordination. After...
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Starts and Stops With Autonomous Driving in the U.S.
By Charlie KingdollarApril 09, 2018English
Autonomous vehicles, both cars and trucks, are being tested in at least a dozen states across the U.S. Commercial use has already begun with autonomous tractor-trailers hauling cargo and rideshare firms transporting passengers in cars in several locations....
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How to Avoid Florida’s Bad Faith Minefield
By Tim Fletcher March 07, 2018English
It starts innocently enough - a seemingly routine “rear-ender” car accident that involves a policyholder wintering in Florida. The claimant driver of the other vehicle quickly seeks medical treatment and attorney representation. Then the...
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Recent New York Court Decision Poses Peril for Out-of-State Liability Insurers
By Bill Paccione and Tim Fletcher January 24, 2018English
New York-domiciled insurers have long been aware of N.Y. Ins. Law Section 3420, which prescribes requirements for liability insurance policies that are “issued for delivery” in New York. These requirements include specific time frames within...
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When Workers’ Compensation & Auto Liability Collide - 5 Things Every Insurer Needs to Know [Presentation]
By Diane BrownSeptember 07, 2017English
Auto trends often collide with Workers’ Comp results. Auto writers use many tools to help underwrite their risks and contain losses - such as industry historical data, telematics, MVRs, black boxes and smartphone photos and videos. Workers’...
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