US Pro

Choosing the Right Broker for Placing Cyber Insurance

In a previous blog post, we stated that “Most agents have not been trained on how to sell it, and most commercial insureds don’t believe they need it or have any risk.  Bridging the gap between the two requires an understanding of what the Cyber Liability Insurance policy in question really does cover, and how it relates to the Insured in question.” This is the overwhelming part for...

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Choosing the Right Cyber Insurance Policy

Cyber Liability Insurance can be overwhelming for both agents and their customers.  Most agents have not been trained on how to sell it, and most commercial insureds don’t believe they need it or have any risk.  Bridging the gap between the two requires an understanding of what the Cyber Liability Insurance policy in question really does cover, and how it relates to the Insured in...

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How Gapping of Coverage Occurs in Cyber Liability Insurance

There are many different ways to Insure against Cyber Liability Insurance exposures in today’s marketplace.  The last 10 years have seen a lot of change in the coverage, as well as the number of carriers who write it.  Many package insurance policies now provide some form of protection against Cyber risks. While retail agents have become more aware of the need to offer coverage, as much as...

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Why a Business Should Buy Employment Practices Liability Insurance

In 2018, 65% of all businesses are now buyers of this essential business coverage. It is no longer that is just an employer/employee workplace risk- the risk also extends to third parties that are exposed to your employees and workplace. This includes customers, vendors, delivery persons, visitors, and any others you or your employee comes into contact with in a corporate capacity. A key finding...

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Employment Practices Liability Insurance- What’s In a Number?

Statistics is an important tool.  Extremely useful for gaining support for or against making a decision, they really are much more than that.  Statistics tell a story about the subject matter, and in EPLI, the statistics are very revealing indeed. We use a lot of numbers and percentages, and sometimes they are used so much that we just glaze over them.  In one ear and out the next.  But today...

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