Can insurers put their heads deeper in the sand?
Recently OFAC, FinCen, the FBI, and the NY DFS (New York's Department of Insurance) have each ruled separately that they would strongly...
News & Insights
Search
Chris Burand
- May 6
- 5 min
The Simple Things
"The simple things you see are all complicated" --Pete Townshend This quote is from The Who's famous song, "Substitute." The song is...
190
Chris Burand
- May 4
- 5 min
Cyber: The Tale of Two Outcomes
I saw a story by a consulting firm that predicted cyber insurance sales would fill the estimated $50 billion hole caused by decreasing...
180
Chris Burand
- Mar 16
- 3 min
Agency Numbers
It was one of those situations where I needed a number, a piece of data that I remembered from years ago. I was searching through...
880
Chris Burand
- Mar 10
- 4 min
Another Reason People Don't Want to Buy Insurance
Henry Ford once said, "You can have it in any color you want, as long as it is black." I was reminded of this famous quote when I was...
490
Chris Burand
- Feb 10
- 2 min
Reviewing Your Homeowners' Book NOW is Critical
COVID-19 has changed home values significantly. In some cities, home prices have increased 25%-40%. Home building prices like lumber have...
40
Chris Burand
- Dec 10, 2020
- 5 min
Cloud Computing and Cyber Coverage
One of the main reasons commercial insureds do not buy cyber coverage is because they think they have absolute, complete coverage because...
230
Chris Burand
- Nov 10, 2020
- 2 min
So, you want to be a Cyber Risk Manager?
I'm a huge fan of agents improving their positions to true risk management. A true risk manager has deep insurance coverage knowledge...
220
Chris Burand
- Nov 2, 2020
- 4 min
For Consumers Everywhere
When purchasing insurance, consumers should be aware that they are actually purchasing a written legal contract of considerable...
40
Chris Burand
- Oct 10, 2020
- 4 min
Benefits of Knowledge
I read a short analysis relative to a specific kind of insurance and the sales thereof. The author is a stickler for agents' and...
50
Chris Burand
- Aug 4, 2020
- 4 min
What is Business Income Coverage?
Business Income (BI) coverage is not like other insurance coverages for many reasons. One of these reasons is producers do a poor job...
160
Chris Burand
- Jul 16, 2020
- 6 min
Pandemic/Isolation Factors
When dealt a hand of cards, the goal is to play them as best you can. In other words, be constructive. The COVID-19 virus has given...
120
Chris Burand
- Jul 2, 2020
- 5 min
What we have to Regret
"What we have to regret most often is the human perversity that regards truth as slander where its acceptance means changing a previously...
390
Chris Burand
- Jun 24, 2020
- 3 min
True Independent Advice
My heart goes out to independent agents who need outside advice. These are tough times. The consolidation of the market has caused, at...
30
Chris Burand
- May 30, 2020
- 3 min
Is personal auto insurance truly a commodity?
I can live in Wishful Thinking Land or in reality, and the reality is that because our industry has failed on a thousand levels to...
40
Chris Burand
- May 19, 2020
- 4 min
Fake Risk Management
I see consultants selling and agents/producers buying what is really just junk all the time under the name of "Risk Management" and TCOR...
60
Chris Burand
- May 7, 2020
- 4 min
Determining Building Values
My firm, Burand Insurance Education, teaches in-depth coverages classes. The course material is in-depth and personal and when combined...
30
Chris Burand
- Apr 10, 2020
- 2 min
Fools for Teachers
"If you are self-taught you had a fool for a teacher." -Mark Twain This is one of my favorite quotes. It explains many of the reasons so...
40
Chris Burand
- Apr 8, 2020
- 5 min
Let's Make Lemonade out of Lemons
The COVID-19 pandemic is certainly a huge lemon thrown into our lives, the economy, and most likely E&O claims. I do not believe the...
30
Chris Burand
- Mar 20, 2020
- 6 min
E&O Claims are Rare (except following catastrophes)
E&O claims are extremely rare. Their rarity is why so many agents do not think they will ever incur one. The infrequency of E&O claims is...
00
{"items":["60c78c2996f0a7001557fa31","60944266cc24e8001552681c","609443f888010e0015331d64","60550b95d777be00159afa3d","6055097d816483001521ac32","6030276fd2c00a0017fb663f","5ff4b87a2896e600175108f6","5fbd4ad7e442350017bfc211","5fbd4850ac3eac00176a97f2","5f8a0f635221b300171c0b0e","5f3d572698db5900180a2d7b","5f3d557b50b5e500170f4d3e","5f3d6a5698db5900180a4346","5f3d7115a0356b0017e7f08a","5f3d9c382b1edf0017bc26df","5f3d9e744364090017c65730","5f3d99c20d8e160017b0f67a","5f3eb07a9efa8b0017b96ad8","5f3eb41db2fb97002d1f932e","604fbcebd29cf00057d12292"],"styles":{"galleryType":"Columns","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"fill","cubeRatio":1.3333333333333333,"isVertical":true,"gallerySize":30,"collageAmount":0,"collageDensity":0,"groupTypes":"1","oneRow":false,"imageMargin":32,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":true,"isSlider":false,"isColumns":false,"isSlideshow":false,"cropOnlyFill":false,"fixedColumns":0,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":50,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":true,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":false,"slideshowLoop":false,"autoSlideshowInterval":4,"bottomInfoHeight":0,"titlePlacement":"SHOW_BELOW","galleryTextAlign":"center","scrollSnap":false,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":0,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":23,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":200,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":350,"textBoxWidth":200,"textBoxWidthPercent":50,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":1,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":292,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"itemBorderColor":{"themeName":"color_12","value":"rgba(242,242,242,1)"},"showVideoPlayButton":true,"galleryLayout":2,"calculateTextBoxHeightMode":"MANUAL","textsVerticalPadding":-15,"targetItemSize":292,"selectedLayout":"2|bottom|1|fill|true|0|true","layoutsVersion":2,"selectedLayoutV2":2,"isSlideshowFont":true,"externalInfoHeight":350,"externalInfoWidth":0},"container":{"width":940,"galleryWidth":972,"galleryHeight":0,"scrollBase":0,"height":null}}