Shawn M. Rubin, TRIP

10/31/2026

Running a business comes with plenty of surprises. Insurance gaps shouldn’t be one of them. Quick check-ins now can save a lot of pain later.

Happy Halloween! 🎃

10/30/2026

Running a business comes with plenty of surprises. Insurance gaps shouldn’t be one of them. Quick check-ins now can save a lot of pain later.

Happy Halloween! 🎃

10/29/2026

The recent FEC outage is another reminder that cyber risks go well beyond ransomware and data breaches.

Even a third-party system outage can disrupt operations and lead to financial losses.

This is why reviewing your cyber insurance coverage is so important. Not all policies cover third-party outages, and the last thing a business wants is to find out there’s a gap in coverage after a loss.

A “bad actor” attempted to breach the FEC’s filing system a week before midterms, raising the same third-party dependency questions the PHP vulnerability exposed days earlier

10/29/2026

For the third year in a row, we’re thrilled to share that Fortune and Great Place To Work have named USI to their annual list of the Best Workplaces for Women! USI ranked 5th and is the only insurance brokerage and consulting firm in the top 10 out of 100 recognized organizations across industries in the large company category.

Read more: https://usi.info/4ie5kwI

10/28/2026

One fraudulent email could cost your business thousands, even if you have insurance.

According to the FBI, business email compromise resulted in approximately $3.05 billion in reported losses in 2025.

Crime and Cyber policies may cover these losses, but coverage depends on the circumstances and policy wording.

Here’s the catch: Some policies require employees to verify changes in banking information by calling the vendor directly. Skip that step, and your claim could be denied.

Having coverage isn’t enough. Make sure your employees understand what your policy requires.

Who transfers the money, where it goes and verification procedures can impact claims, says HUB specialist

10/27/2026

This raises an interesting question for the insurance industry. What happens when the potential losses from AI become too large for insurers to absorb?

AI is evolving at an incredible pace, but the insurance market is still trying to figure out how to properly assess and price the exposure. I think we’re going to see some significant changes in how carriers approach AI-related risks.

10/09/2026

10/09/2026

Good read from Heavy Duty Trucking

Just because a trucking company is DOT compliant doesn’t necessarily mean it’s operating safely.

There’s a big difference between meeting the minimum requirements and having a strong safety program in place.

Driver training, fatigue management, and investing in the right safety technology can go a long way toward reducing accidents and controlling insurance costs.

Insurance underwriters are paying attention to these things, and the fleets that take safety seriously are generally in a better position come renewal time.

A trucking fleet can follow every rule and still make unsafe decisions. The real test comes when safety conflicts with freight, productivity, or cost.

10/01/2026

Cyber risk isn’t always coming through your front door anymore. Sometimes it’s coming through your vendors.

According to Verizon’s 2026 Data Breach Investigations Report, third parties were involved in 48% of breaches in its dataset — a 60% increase from the prior year.

Think about how many outside companies have access to your systems or data: payroll providers, cloud platforms, software companies, managed IT providers, etc.

You can have strong controls internally, but that doesn’t necessarily mean your vendors do.

Contact me to learn more:

[email protected]

Growing vendor risk is becoming difficult for businesses, and insurers, to ignore

09/27/2026

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Commercial insurance rates may be stabilizing overall, but many organizations are still facing difficult renewals, especially in challenging coverage areas like auto and excess liability. A reactive approach can leave buyers negotiating from behind.

See how pre-underwriting your risk before carriers review the submission can improve negotiations and help secure better pricing, terms, and coverage: https://usi.info/4qIdDF2