Insights
The questions that arrive with a contract, a hire, or a round.
Short notes from the file, not a magazine. Educational. Not a quote, a recommendation, or a finding that you have or lack coverage. The policy form controls.
What the MSA insurance exhibit is actually asking for
Limits, additional insured, waiver, and notice. What can sit on a policy, and what a certificate cannot create.
When D&O usually shows up
A priced round or an outside director, not a statute. Too early, on time, and too late for closing.
Remote hires and workers compensation
Staff are typically rated where they work, not only at headquarters. Requirements vary by state. We place it only where licensed.
Cyber vs Tech E&O on an outage
A hack, a product failure, and a non-malicious outage are not the same claim. Packaged policies still have two sides.
Independent agency. These notes are summaries. They are not legal advice, and they do not modify any policy. See the insurance disclosure.
Bring the contract or the round.
The application opens a file. A licensed advisor reads what you sent, then takes it to market where we are authorized to transact.