Capstone Insights
“Opioids” was once a medical term to describe drugs associated with pain relief but has since become a part of the every day American vernacular.
High profile celebrity deaths and the sheer volume of opioids being consumed each day have propelled these powerful drugs into the spotlight and caught the attention of the mainstream media. Continue reading →
The 2017 Travelers Risk Index surveys found that consumers and businesses perceive global conflict, cyber and the changing workforce as the greatest threats. The 2017 Travelers Risk Index surveys found that consumers and businesses perceive global conflict, cyber and the changing workforce as the greatest threats. Continue reading →
The insurance carriers that provide limited liability coverage for construction work typically target their marketing efforts to trade contractors such as electricians and plumbers. Continue reading →
Fall has arrived in many parts of the country, leaves are changing color, weather is getting cooler and interestingly this means insurance claims will also see a change. Surprisingly, fall and winter months are known for more automobile and home insurance claims; perhaps it’s the weather? Continue reading →
A construction business can end up facing considerable consequences if it finds itself in a situation where the insurance program is insufficient in respects to coverage and defense. Sometimes the price of a project at the time of bid, will end up having a considerable upswing, due to many inherent costs that can be added on due to litigation that surfaces years after the job is done. Continue reading →
The House of Representatives voted 264-155 today to pass bipartisan legislation that encourages the sale of private flood insurance in place of policies from the federal government in high risk areas where flood insurance is required. Continue reading →
Ratings downgrades for global insurers and reinsurers are becoming more probable as they face more than $100 billion in 2017 catastrophe losses, a figure that threatens to weaken their capital reserves, Fitch Ratings Inc. said in a report on Tuesday.
Losses from Hurricane Maria, which could be as much as $85 billion, along with those of other recent 2017 catastrophes, including Hurricanes Irma and Harvey, the Mexico City earthquakes and other events, will force some reinsurers to dip into their capital, Fitch said. Continue reading →
With the recent natural disaster, Hurricane Harvey, and the amount of heavy rainfall and flooding, many are left to wonder if they will be covered by flood insurance for the damage caused to their homes on the Gulf Coast. Majority of homeowner’s insurance policies, however, DO NOT cover damage caused by flooding. Flood insurance was a very difficult coverage to get before the National Flood Insurance Program, NFIP, was enacted in 1963. Specific communities can participate in the NFIP as a separate policy for your home. Continue reading →
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