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    TAKING THE LEAD IN CYBER

TAKING THE LEAD IN CYBER

TAKING THE LEAD IN CYBER Things to think about when advising clients on cyber issues By Emy R. Donavan Small businesses may think cyber attacks happen only to big businesses, governments and large organizations. But they shouldn’t be fooled. Hackers look for vulnerabilities on everyone’s network. They will get in, if only to use one network to take down another. While smaller enterprises are waking up to the realities of

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    MODERN-DAY CRIME COVERAGE ISSUES

MODERN-DAY CRIME COVERAGE ISSUES

Mind the Gap MODERN-DAY CRIME COVERAGE ISSUES Learn what your carriers offer, because exposures continue to evolve It’s easy for agents who are new to the industry to get wrapped up in the excitement of the sale and lose sight of what they are actually selling: peace of mind, protection, and a promise to put the client back on track in the event that a disaster strikes. Selling coverage that

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    POLLUTION AND ENVIRONMENTAL LIABILITY INSURANCE

POLLUTION AND ENVIRONMENTAL LIABILITY INSURANCE

Pollution and Environmental Liability Insurance Capacity remains abundant as coverage expands beyond traditional contaminants What do silt, sediment, and mold have in common? They are all naturally occurring substances that are increasingly regarded as pollutants or contaminants for purposes of insurance. When you say “pollution,” most people likely think of spills, secretions, and emissions of man-made toxic substances into the natural environment. But insurers that write pollution and environmental lability

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    YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW

YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW

YOUNG PRIVATE FLOOD MARKET CONTINUES TO GROW Entrants offer new coverages that replace or complement traditional NFIP offerings It’s been reauthorized six   times since 2017. As of July 31, 2018, it was in danger of lapsing—a situation that’s happened before. In January 2017, it borrowed another $1.6 billion from the Treasury Department, bringing its total debt last year to $24.6 billion. By all accounts, the National Flood Insurance Program (NFIP)

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    SPECIAL COVERAGE FOR SPECIAL EVENTS

SPECIAL COVERAGE FOR SPECIAL EVENTS

Special coverage for special events Ample capacity ready to take on growing risks The rampage that left one dead and 22 wounded at a New Jersey art festival in June only briefly registered on the national news. The casualty count was far less than what Americans have become almost accustomed to seeing in mass shootings; the shooting had no known connectionto terrorism or any international threat, and the victims were

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