I Got Mail

I Got Mail Final

Read about recent changes to my own homeowner’s insurance policy. Learn why the long-run stability of your homeowner’s insurance company is important. My homeowner’s insurance policy renewed recently, and I got IMPORTANT mail from my homeowner’s insurance company. The IMPORTANT mail focused on recent changes to my homeowner’s insurance policy, most of which apply to […]

The Needle is Spiking Upward

The Needle is Spiking Upward Picture

Learn why the needle is spiking upward in out-of-pocket insurance expenses. Read about changes in property insurance coverage that raise out-of-pocket expenses. By John Bouhall, CPCU It takes more than one wildfire, hurricane, or severe weather event to move the needle, and the needle is spiking upward. Property damage resulting from these perils is so […]

Some Trains Need Waiver of Subrogation to Run

waiver of subrogation clipboard

Learn about subrogation and waiver of subrogation in commercial insurance. Read about the Waiver of Subrogation Endorsement/Clause and why your business may need it. Practically, and to a large extent legally, businesses need the protection provided through commercial insurance. The trains don’t run without proper commercial insurance in force. For some business sectors, a not-so-well-understood […]

It’s a Win-Win When Churches and Insurance Risk Management Unite

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Discover why early detection warning systems are a win-win for churches and insurance companies. Read about accidental water loss frequency on church properties and risk mitigation. Churches and insurance risk management unite. Increasingly, church insurance is one sector of the commercial insurance market in which some insurance companies are preemptively requiring insureds that have a […]