Risk Management of Cyber/Internet Exposure

A Changing Landscape We have all read about the numerous breaches of mega companies like, Orbitz, Panera Bread, Delta, Best Buy, and many others; and it’s not just the “Big Boys” getting hit. Increasing pressure is being applied by banking regulators to make sure...

5 Ways to Lower Your Bond and D&O Premium

Ways to Lower your Bond and D&O Premium OR How to get the most “BANG” for your buck! The largest part of any bank’s insurance costs are the premiums of its Financial institution Bond and its Directors and Officers liability policies. While...

Time for a Captive Insurance Company?

I have always been lead to believe that establishing a Captive Insurance Company was only for large companies with a lot of capital and a hard to insure loss exposure. While this advantage for large companies has not changed, financial institutions of moderate size...

Handling Risk Without Buying Insurance

When I left the insurance agent ranks to become a consultant, it took me a year or two to think of Risk not as just an Insurance Problem but as a Risk Management Problem. Instead of thinking that every risk existed so I could sell an insurance policy to cover it, I...