The Perch

Notes from inside the carrier, broker, and retail world. Plain talk on coverage, claims, and the calls that actually matter.

From the Perch

Two policies can look identical until a claim arrives. The reporting requirement is where claims-made and claims-made-and-reported part ways.

From the Perch

Revenue, your largest account, defense-cost treatment, and aggregate erosion all shape the right E&O limit. Here's how to think it through.

From the Perch

Self-placing your own E&O feels efficient. Here's why it gets complicated the day you need it.

From the Perch

The Dec Page provides a high-level view of what's insured. The definitions and exclusions determine what actually shows up at claim time.

From the Perch

Your agency is the target. Here's how a true cyber policy contends with this.

From the Perch

Closing day can be the day your E&O stops responding to old work. Here's how to prep for that.

From the Perch

What an outside coverage review of the seller's policy file actually picks up, and where it sits next to your legal and financial diligence.

From the Perch

D&O, EPLI, and fiduciary liability for a private professional firm, and the three moments the program usually needs to change.

From the Perch

Master programs work. What changes when there's an experienced broker keeping the placement awake.

From the Perch

When the firm-wide program fits, it fits. Here's why an individual policy may be what's needed.

From the Perch

When the program fits, it fits. When it doesn't, here's what may need to change.