Above the Law – The Realities of Insurtech

Our monkey brains guide our bodies through medieval governmental structures while manipulating the technology of the gods. This inherent tension creates endless contradictions, power struggles, and confusion in our world. There is little debate that technology rules commerce. Even governments fail to contain quantum leaps of technology. Uber famously decided to upend the taxicab industry … Read more

Cybercrime: The Ultimate Brand Killer

Portions of this article first appeared in BCBusiness in July 2019 Given all the headlines about big corporations falling prey to cybercriminals, you might think they’re the only victims. That misconception could not only ruin your business but the businesses the insurance industry wishes to protect. The problem with cybercrime is that you need to … Read more


In April of 2018, Mark Zuckerberg testified before Congress about Facebook’s privacy practices the perceived data breach by Cambridge Analytica. As insurance professionals, we recognize that this was not a true data breach in the sense that no one hacked Facebook’s servers and subsequently stole individual information. Facebook users opted in to sharing information and … Read more

What is Cyber Liability

Normally we don’t publish articles meant for the insurance buying public, we focus instead exclusively on articles for insurance professionals. Today we are making an exception because Cyber is an emerging area that many insurance professionals don’t understand that well. This article does a great job of introducing Cyber.   Cyber Liability can seem confusing … Read more

Cyber: How Bad Could 2017 Have Been?

Four hurricanes and six wildfires made for a busy 2017. So, with all the losses mounting through the third and fourth quarters, it’s understandable that you might not have noticed the heavy cyber losses that occurred as well. Three large risk losses led to approximately $430 million in cyber insurance losses last year, according to … Read more