General

Are my Independent Contractors covered?

This is one of the most common questions I am asked when preparing quotes for E&O insurance. My answer is always the same: “we must look at the policy form to see how your carrier covers ICs.” More often than not, E&O insurance coverage is usually extended to the Independent...

Directors and Officers Insurance

There are some things you should be aware of. Does your organization have a Board of Directors or Senior Executives that help provide direction, influence decision-making and help craft policy? Are you on such a board? By participating in such a capacity, somebody becomes personally liable for decisions that they...

Do you own an older building?

If you answered YES, there is some important information you should know. In most parts of the United States, buildings are older than the people who use them. Right around the corner from my apartment in Schenectady, NY is one of the oldest residential neighborhoods in the country, known as...

A Life Remembered

On December 23, 2011, my middle child, Jenson, took his own life. In the time since that tragedy, my family and I have been on a more difficult journey than I ever could have imagined. In the words of Rene Descartes (1596-1650), “There is nothing as dark as the depth...

Ice!

I just checked the forecast for Elk Camp this weekend. Snow Friday and Saturday. Brrr. But a little fresh snow makes chasing those tricksy elkses easier to find – in theory. This year, I’m hunting with two guys who have become great friends over the years. We weren’t able to...

Pruning!

I love pruning trees & shrubs. Once I get started, I’ll keep going until my blisters have blisters, leaving my hands sore and tired for days. Regardless, the satisfaction of whipping nature into submission is inexplicable. My first real pruning efforts were not appreciated. I pruned the top 10 feet...

Broker vs. Computer

I am seeing more articles about the rise of the machines in the insurance industry. Every year, someone is introducing the technology that will replace insurance agents. After I am often asked, “what do you provide that a computer (or competitor) does not?” When the personal computer came out, many...

Agent vs. Direct

I’m sure you have seen the commercials for insurance carriers such as Geico and Progressive. These carriers are reached by phone or internet. You rarely, if ever, speak to the same representative twice. Insurance is a complicated business. When you purchase from the internet, you choose the options yourself, not...