Insights
Case studies, policy deep-dives, and industry analysis from an independent risk advisory firm.
Before Your Next Renewal
Three-year programs give banks bundled pricing and stable coverage. They also give carriers three years to revise forms...
Read article →Credit Union Board Liability Gaps
Three D&O gaps hit a credit union after a breach. Each pushes more weight onto the cyber policy...
Read article →NYDFS: What It Means for Your Insurance
NYDFS has collected $63M in penalties under 23 NYCRR 500. The per-day rate applies regardless of size, and...
Read article →The Revenue Your Policy Ignores
Cyber BI definitions exclude interest income — the bulk of a bank's revenue. The exclusion is real, but...
Read article →The Cheap-Good-Fast Triangle of Insurance
Insurance distribution chose cheap and fast. The side that fell away was good. Most bank programs have never...
Read article →Credit Union Insurance Gaps
Credit union programs bundle cyber, D&O, and bond under one relationship. Claims get paid policy by policy. The...
Read article →Five Audits, Same Gaps
Five community banks. Different carriers. Different programs. The same five coverage failures. Aggregate findings with a bank-by-bank scorecard....
Read article →The Fine Print Inside the Coverage
A $5M cyber policy. After sublimits, retentions, defense costs, and carve-outs, actual recovery on a multi-front breach may...
Read article →The Breach You Didn't Cause
A vendor's sub-vendor gets breached. The bank is untouched, but the D&O exclusion blocks defense costs. The board...
Read article →