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The Rough Notes Company Inc.

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    FOCUS ON SOCIAL SERVICES AND NONPROFITS

FOCUS ON SOCIAL SERVICES AND NONPROFITS

Emerging exposures and a soft market create challenges for agents In 2016, a Florida social services agency opened a file on a young man who had been seen on social media sites cutting himself and making threats to buy a gun. The Florida Department of Children and Families visited the young man’s home and concluded he was a “vulnerable adult due to mental illness” and closed the case two months

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    AGENT AND BROKER E&O INSURANCE

AGENT AND BROKER E&O INSURANCE

Cyber exposure compounds risk for agencies, brokerages, and their clients It’s always been challenging to determine a client’s risk exposures and to understand the extent and limitations of coverage under various policies. Now, agents and brokers must become at least conversant in cyber risk and cyber insurance, both for their clients and their own enterprises. Cyber insurance has a unique history as a line of coverage. It originated in the

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    SEPARATED BY A COMMON LANGUAGE

SEPARATED BY A COMMON LANGUAGE

Coverholders and Risk Takers Terminology from across the pond and spreading the word about Lloyd’s George Bernard Shaw once famously observed: “The United States and Great Britain are two countries separated by a common language.” Domestic insurance professionals who deal with the London marketplace can certainly attest to the accuracy of that statement. Some of the nomenclature used by our friends across the pond may sound foreign to U.S.-based agents.

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    CYBER LIABILITY: VITAL COVERAGE FOR EVERY CLIENT

CYBER LIABILITY: VITAL COVERAGE FOR EVERY CLIENT

Ransomware, extortion, and social engineering are on the rise—be sureyour clients are protected When advising a client, nothing is more daunting for an insurance professional than trying to explain an insurance concept that is not widely understood. This challenge confronts agents and brokers who need to persuade risk managers and business owners of all sizes to recognize the importance of maintaining effective cyber liability insurance. A good policy will pay

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    KEEP YOUR HEAD IN THE GAME

KEEP YOUR HEAD IN THE GAME

A look at amateur athletics, golf courses and fitness centers Let’s think about some Hollywood films involving youth and sports and the risks involved. After losing the championship game to the Yankees on an attempted in-the-park home run to tie the game, Coach Buttermaker hands out beers to his Bad News Bears in the dugout to celebrate how proud he is of his team. “I’ll drink to that,” proclaims shortstop

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