Patrick Wraight
Insurance Journal
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Past articles by Patrick:
How Different is Lemonade?
Remember when Lemonade made a big splash, telling us that they were going to shake the whole insurance world and disrupt everything? Since they are in the → Read More
COVID-19 Experiences Show Need for Employment Practices Insurance
As soon as the first community was shut down to slow the spread of the coronavirus or the first announcement of a safer at home order by a governor, some → Read More
3 Quick Hurricane Season Tips (Just a Little Late)
So far hurricane season has been uneventful unless you consider the giant Saharan dust cloud that traveled across the Atlantic. That just means that now → Read More
Notes on Public Adjusters
I recently had a conversation about public adjusters. Here's the short version of that conversation. What is a public adjuster? Would you recommend → Read More
Wading Through Coverage Differences in Expanding Private Flood Market
It has been a long-held insurance axiom that flood is not considered an insurable peril due to its potentially catastrophic nature. Here is what the → Read More
Overcoming Human Inertia
I don't know if you've noticed this or not yet, but things are changing around us, and we don't like change. I find one of the most powerful forces in our → Read More
The Original Family Business
Why family farms dance between the line of personal and commercial coverage Nowhere is insurance more complicated than when you mix two exposures that → Read More
Insurance Industry Predicts Super Bowl LIII Winner
This Sunday, Jared Goff (in his third NFL season) and the Los Angeles Rams face off against Tom Brady (in his 19th NFL season) and the New England → Read More
Insurance Industry Predicts Super Bowl LIII Winner
This Sunday, Jared Goff (in his third NFL season) and the Los Angeles Rams face off against Tom Brady (in his 19th NFL season) and the New England → Read More
Coinsurance is the Insured’s Friend
Coinsurance. For some of us, that's one of the worst words that I could write. You're already mad at me and you haven't even read the first paragraphs. → Read More
Mixing Up Occupancy for Commercial and Residential Properties
There is a trend in residential construction to build condominium communities that go beyond the traditional amenities we're used to. We are accustomed to → Read More
Holiday Policy Language: Halloween Edition
Can I be honest for a minute? I'm not a Halloween fan. It makes my list of favorite holidays right after Columbus Day and before Black Friday. No, I'm not → Read More
A Drive Through the Panhandle After Michael
You know that Hurricane Michael came through the Florida panhandle as a powerful Category 4 storm. In fact, when it made landfall, it was just 2 mph from → Read More
How to Help Clients with Disaster Claims and Avoid Agency E&O Claims
In an online discussion on agency errors and omissions (E&O) exposures following Hurricanes Harvey and Irma, Florida Association of Insurance Agents' → Read More
How About a Real NFIP Renewal for Once
I wanted to write something this week about some piece of policy minutia. I had about 500 words written when I realized that it wasn't going to happen. → Read More
A Reason We Speak Insurance – It’s What We Read
I think I get it now. Everything is starting to make more sense than ever before. Sorry, maybe I should catch you up on my thoughts. I've been wondering → Read More
The Condo Coverage Puzzle
Have you ever watched someone try to finish a jigsaw puzzle with pieces missing? There are still a few hundred pieces to place, but there is one open → Read More
Should you care about deductibles?
The deductible is such a familiar part of insurance that everyone thinks that they know everything about them. Yet, our customers have a different → Read More
Please Stop Speaking Insurance
There are a lot of reasons that consumers don't like insurance. Sorry, but you know that it's the truth. If you think about it from before your insurance → Read More
A Few More Thoughts About Assignments of Benefits
I last wrote about assignments of benefits (AOB) back in January. You didn't read that one? I'm shocked, but I'll be ok. Here's the link to my thoughts → Read More