Commercial Lines

Is Cyber Insurance for All Unrealistic? Or Is It Our Destiny?

In the rapidly changing world of cyber risk, you have to think ahead. So when I read that Ari Schwartz, the White House Director of Cyber Security, had offered his views on the future of cyber insurance at a recent...

Personal and commercial insurance agents can’t ignore data and analytics forever

As an agent handling personal and small commercial lines, perhaps you’re reluctant to invest in advanced data and analytics. More than likely, you’ve done well without those tools. But you could be doing a lot better....

Medical Identity Theft Becoming Lucrative Cyber Crime

The big data breaches in the news today often focus on the theft of personally identifiable information (PII), such as names, addresses, and credit card numbers. But it’s another kind of confidential data, protected...

It Takes More Than an Insurance Policy to Be Prepared for a Data Breach

The news seems to report data breaches almost daily. In the past several weeks, there were two major stories of interest to me. The first was news that Target’s cost to respond to its well-publicized 2013 data breach...

“Eggs, Milk, Bread…And While You’re at It, Pick Up Some PII”

How many of you or your spouses have a supermarket check-cashing card? And how many of you now take advantage of ordering your groceries online and paying with your credit card? Living in the New York metropolitan are...

Celebrating the Innovation of the American Worker

Labor Day is a great time to recognize the contributions that the American worker has made to the social and economic development of the United States. There’s no doubt that our country has led the world in...

Forging a New Identity Online

In the film The Shawshank Redemption (warning: spoiler alert), a wrongfully imprisoned accountant named Andy uses a typewriter, some postage, and a little imagination to forge a new identity. He creates the new identi...

Cause there ain’t no cure for the “cyber” time blues

Summer is upon us. It’s already August, and 2014 is well more than half over. My, how time flies. In reflecting back on the first half of the year, I’m pleased with the opportunities I took advantage of to learn more...

The Next Great War May Be a Cyber War.…Has One Already Begun?

For years, people have been saying that the next world war will not be fought by massive land, air, or sea forces but by cyber warriors with computers hacking into and disrupting critical infrastructure networks. It...

Black and White…and a Little Gray in Between

When I was growing up, I was mesmerized by any Western-themed television show or movie — Rawhide , The Rifleman , Mave rick, The Big Valley , The Wild Wild West , Bonanza , Gunsmoke , Butch Cassidy and the Sundance Ki...