Insights
Plain-English writing on the coverages we place — what they actually do, what they exclude, and the details worth arguing about before you bind.
- Cyber Liability
Funds Transfer Fraud and Social Engineering: The Cyber Claim Your Policy May Not Cover
A convincing email, a changed bank account, and a wire that cannot be recalled. Social engineering losses are among the most common cyber claims, and they are also among the most commonly excluded or sublimited. Here is how the coverage works.
Read the article → - Employment Practices Liability
Employee Handbooks and EPLI: How Written Policies Shape Your Coverage and Your Defense
Underwriters ask about your handbook before they quote EPLI, and defense attorneys ask about it the day a claim arrives. Here is why a written, current, and actually-followed handbook matters to both.
Read the article → - Employment Practices Liability
Third-Party EPLI: When Customers, Vendors, and Visitors File Discrimination or Harassment Claims
Standard EPLI responds to claims from employees. Claims from customers, clients, vendors, and other non-employees alleging discrimination or harassment by your staff usually need a third-party extension, and many businesses do not have it.
Read the article → - Directors & Officers Liability
Corporate Indemnification vs. D&O Insurance: Why Your Bylaws Aren't Enough
Most companies promise to indemnify their directors and officers. Fewer understand when that promise fails — insolvency, derivative suits, legal prohibitions — and how D&O insurance is built around exactly those failures.
Read the article → - Employment Practices Liability
Wage and Hour Claims: The Employment Lawsuit EPLI Usually Won't Pay For
Overtime, misclassification, and off-the-clock claims are among the most common employment suits — and most EPLI policies exclude them. Here is why, what limited coverage exists, and how employers manage the exposure.
Read the article → - Cyber Liability
What Does Cyber Liability Insurance Cover? First-Party, Third-Party, and Where the Gaps Hide
Cyber policies are really two coverages in one — your own losses, and claims from others. Here is what each side actually pays for, and the gaps that surprise businesses after an incident.
Read the article → - Employment Practices Liability
You've Received an EEOC Charge. Now What? A Step-by-Step Guide for Employers
An EEOC charge is not a lawsuit — but how you handle the first two weeks shapes everything that follows. Here's the sequence: deadlines, carrier notice, document preservation, the position statement, and the traps to avoid.
Read the article → - Fiduciary Liability
Fiduciary Liability Insurance: The Coverage 401(k) Sponsors Don't Know They're Missing
If your company offers a retirement or benefits plan, someone at your company is a fiduciary under ERISA — personally. Fiduciary liability insurance covers the exposure most plan sponsors don't realize they carry.
Read the article → - Employment Practices Liability
The Five Employment Claims Most Likely to Hit Your Business — and How to Prevent Them
Most employment lawsuits start with something ordinary — a layoff, an ignored complaint, a termination that followed a complaint too closely. Here are the five claim types that generate most disputes, and the habits that reduce your exposure to each.
Read the article → - Employment Practices Liability
How Much Does EPLI Cost? What Actually Drives Your Premium
There is no standard EPLI price list, because there is no standard employer. Here is a plain-English look at the factors carriers actually weigh, and why quotes for similar-looking businesses can differ so much.
Read the article → - Directors & Officers Liability
Does a Nonprofit Board Really Need D&O Insurance?
Volunteer board members assume goodwill and good intentions protect them. Immunity laws and indemnification promises are narrower than most boards think, and D&O fills the gap.
Read the article → - Employment Practices Liability
EPLI vs. General Liability: What Each One Actually Covers
General liability protects against claims from customers and third parties. EPLI protects against claims from your own workforce. Confusing the two lines can leave a real claim sitting outside both policies.
Read the article → - Employment Practices Liability
What EPLI Doesn't Cover
EPLI is broad, but it is not a catch-all for every employment-related dispute. Here is a plain, exclusion-by-exclusion look at what an Employment Practices Liability policy is not built to pay.
Read the article → - Directors & Officers
How Directors and Officers Liability Insurance Protects Company Leaders
Directors and officers of private companies and nonprofits get sued too — by investors, lenders, competitors, regulators, and creditors. D&O keeps good-faith decisions from becoming personal financial catastrophes.
Read the article → - Employment Practices Liability
Why Small Businesses Need EPLI: The Risk Owners Overlook
Employment disputes are among the likeliest claims a small employer will face, and among the least insured. The reasons owners skip EPLI are precisely the reasons they need it.
Read the article → - Employment Practices Liability
What Does EPLI Actually Cover? A Plain-English Guide to Employment Practices Liability Insurance
Discrimination, harassment, wrongful termination, and retaliation fall outside general liability and workers' compensation. Here is what EPLI actually covers, what it excludes, and why the definitions matter more here than almost anywhere else.
Read the article → - Coverage Basics
Claims-Made vs. Occurrence: Why It Matters More Than You Think
Two policies with identical limits can respond in completely different ways depending on whether they are written claims-made or occurrence. For management liability lines especially, understanding the difference is not academic — it determines whether a real claim gets paid.
Read the article → - Directors & Officers Liability
Side A, B and C: How D&O Coverage Is Actually Structured
A D&O policy is really three coverages stitched together, each with different triggers, different beneficiaries, and different behavior when a limit gets stressed. Here is how Side A, Side B, and Side C actually work.
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