Twin Parks Fire

Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

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Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting…
Self Insured Trusts

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
captive insurances man holding insurance

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

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Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…

What Is The Cost To Run A Captive Insurance Program?

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How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer…
business meeting outsidePhoto by Dylan Gillis on Unsplash

What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

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With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…

New York Department of Financial Services Warns Businesses Who Use "Instant Quote" Software of Targeted Cyber Attacks

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The New York Department of Financial Services (DFS) has issued a cybersecurity fraud alert to all of its regulated entities, describing a "systemic and aggressive" campaign to steal consumers' private data. The DFS has reported from several…

A Fireside Chat with A Claims Adjuster

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Our Claims Advocacy Team got to sit down with a workers’ compensation claims professional who specializes in high exposure claims. They discussed a high exposure claim that wasn’t reported timely to the carrier after the incident occurred.     Please…

Protecting Your Workforce From Winter Related Illness

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Winter weather creates new challenges for employers trying to protect their employees from work-related accidents. Snow and Ice. How are you protecting your employees from potential slip and fall incidents related to snow and ice? According…

Social Engineering:A Growing Cybersecurity Risk

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Social Engineering This past summer we wrote an article about the dangers of social engineering and how to prepare your organization for a socially engineered cyber attack. To reiterate: Social Engineering is the use of fraud to manipulate…