Education
Insights & Resources
Short, specific briefs on the policy language that decides outcomes — written for the person who has to sign, not for other brokers.
Briefs
The terms nobody explains until they matter.
Every one of these comes out of a real review or a real claim. None of them require an insurance background to follow.
Build note: these nine briefs are the launch content plan — titles, categories and decks are set, and the article pages are still to be written. Remove this note once the posts are published and point each card at its URL.
Claims-made vs. occurrence: the term behind every tail quote
The reporting trigger — not the limit — decides whether a claim filed three years from now is covered at all. What the retroactive date does, why it resets, and the two questions to ask before changing carriers.
Read the briefThe sub-limit that quietly caps your worst cyber loss
Social engineering and funds transfer fraud are frequently carved out of the main policy limit into a sub-limit a fraction of its size. How to find that language in your own policy in under ten minutes.
Read the briefWhat a professional liability benchmark should actually tell you
Premium comparison is the least useful part of a benchmark. Defense cost treatment, consent provisions and retention structure move outcomes far more, and they are comparable too.
Read the briefLeaving a practice: the four-week coverage checklist
Prior acts, tail, the new employer's policy and the gap in between. A sequence to work through before the resignation letter rather than after it.
Read the briefSizing a cyber limit from your own numbers
Record count, per-record notification cost, daily revenue at risk, restoration and regulatory exposure. A method for deriving the limit instead of picking a familiar figure.
Read the briefShared limits: the structure that works until it doesn’t
Why a shared aggregate creates a queue, how a single severe claim can exhaust protection for an entire practice, and when separate limits are worth the difference.
Read the briefThe hammer clause, and what refusing a settlement really costs
Full, modified and soft hammer provisions compared, with the arithmetic of what each one puts on the firm when the carrier recommends settling and the firm disagrees.
Read the briefInside or outside the limit: the difference two words make
When defense erodes the limit, a vigorous defense spends the indemnity. What that looks like in a protracted claim, and why the cheaper quote is sometimes the expensive one.
Read the briefThe first twenty-four hours after a cyber incident
Notice provisions, approved vendors, and the decisions made in the first day that determine most of the eventual cost. A response sequence worth having before you need it.
Read the briefTools
Things you can use before you ever call us.
Practical worksheets from the way we run an engagement. Request any of them and we will send it over — no sales sequence attached.
Coverage review checklist
The twelve provisions we check on every professional liability policy, in the order we check them — so you can run the first pass yourself.
Request the guideBenchmark request template
What to send a broker to get a benchmark worth reading, and what a complete response should contain.
Request the guideCyber limit worksheet
A structured way to derive a cyber limit from record count, downtime cost and regulatory exposure rather than from habit.
Request the guideProvider transition planner
Prior acts, tail and effective dates mapped across a provider joining or leaving, with the sequence and the deadlines.
Request the guideRead your own policy
Twelve minutes with your declarations page tells you most of what you need to know.
Find the policy period and the retroactive date. Check whether defense costs are inside or outside the limit. Look for the consent-to-settle provision. Locate any cyber sub-limit and read the endorsement it points to. Check whether disciplinary or board proceedings are covered and at what sub-limit.
If any of those five is unclear or missing, that is the conversation worth having. Send us the declarations page and we will do the rest of the read.
What a review returns
- Every material term translated into plain language
- Named gaps, ranked by what they would actually cost
- A market benchmark against comparable organizations
- A recommendation with the reasoning attached
- No obligation to change anything
Next step
Questions that deserve more than a brochure answer.
A strategy call is thirty minutes with an advisor, not a sales representative. No application, no obligation.