The Primary- Excess Model vs. The Quota Share Model April 2022 A relatively recent development in the domestic liability market is the proliferation of the Quota-Share format of insurance coverage. Quota-Share is a method by which two or more insurance carriers share the exposure presented by a particular risk, in that they share the loss-limit...Read More

Cyber Insurance Threats and Underwriting Requirements   Cyber insurance premiums are continuing to rise drastically in 2022. Insureds have seen premium increases from 50% to 400%.  Premiums have increased due to a spike in claim frequency and severity.  In the last 18 months, there have been many cyber breaches, but there are three that stand...Read More

Do You Carry Enough Insurance to Work with Us? What do you do if a project comes along that you want to bid on, but you don’t have enough insurance in place to comply with the contract? It’s becoming more and more common for Architecture, Engineering, and other Design firms to bid on contracts that...Read More