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Articles

  • Insurance and Climate Change

    Regardless your stance on the question of global warming (aka climate change), many segments of our government and economy has taken actions influenced by this issue including the insurance sector.

  • Insurance Surveys

    Life consists of actions….activities, in both one’s personal and business worlds. Making products, selling goods, owning property, transporting goods, storing property; regardless the type of activities, they all create the possibility of losses.

    Insurance is one of the ways to handle the, often, serious financial consequences of losses. However, it’s ineffective unless it is the right insurance. Depending upon your circumstances, it may be difficult to be confident that you have identified your exposures to loss accurately enough to select the insurance you need.

  • Wondering About Wind

    Wind is the weather engine of the world. As is the case with other elements of nature, man’s relationship with it can be perilous. Storms always bring the threat of injury and damage to property. For persons in the path of storms, the more information they receive, the better. We make increasing use of technology to improve how far in advance we can predict and track storms. Recently there have been advancements in assessing the level of threat presented by winter storms.

  • Guaranty Funds

    Each state has a guaranty fund. Their purpose is to minimize the loss to their citizen policyholders when an insurance company becomes financially impaired or insolvent. Various studies reveal that the following are among the most common reasons for insurance company failure:

  • Resiliency

    Sometimes the concepts of insurance and risk management can become clouded and confused. Something is often lost among the mechanics of arranging for coverage, what should be covered, how it should be covered and what costs are involved. Many fail to appreciate the real value of these concepts and may get to the point where they are considered merely expenses and barriers to other, more important objectives.

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