The global proliferation of hyperscale data centers, propelled by artificial intelligence workloads, cloud migration, and the insatiable computational demands of modern commerce, represents what may reasonably be described as the most consequential construction supercycle of the twenty-first century. For surety companies,… Continue Reading →
The Greatest Threat the Independent Agency Has Ever Faced: AI disintermediation estimates are almost certainly too low, and underestimated commission losses, carrier self-interest, and the speed of large language model deployment are conspiring to imperil the independent agency model of… Continue Reading →
Insurance Is Relationship Business: Why AI Will Never Replace the Handshake That Binds a Tough Risk. My reflections on thirty years plus of insurance practice. After three decades of writing surety bonds, placing hard risks, and watching markets harden, soften,… Continue Reading →
The Non-Qualifying Assets ERISA Fidelity Bond: Underwriting an Asset Class in Transition A quiet rule has suddenly become loud. For nearly five decades, a single sentence buried in the Department of Labor’s regulations governed how surety underwriters approached one of… Continue Reading →
Powell v. Ocwen Financial Corp.: Implications for ERISA Fidelity Bond Plan Assets Underwriting in Mortgage-Backed Securities. My Analysis for Surety and Fidelity Bond Underwriters On March 26, 2026, the United States Court of Appeals for the Second Circuit issued its… Continue Reading →
Narrowing the Lens: How the 2026 Joint Employer and Independent Contractor Reclassifications Affect ERISA Fidelity Bond Underwriting In February 2026, two significant federal regulatory actions reshaped the landscape of employer classification in the United States. The National Labor Relations Board… Continue Reading →
ERISA Investment Advice Fiduciary Status After the Department of Labor’s Reinstatement of the Five-Part Test, and What ERISA Fidelity Bond Underwriters Should Understand On March 18 and March 20, 2026, the United States Department of Labor formally implemented the judicial… Continue Reading →
Independent Insurance Agency Growth Strategies: A Comprehensive Framework for Sustainable Expansion, Methodologies for Building, Scaling, and Future-Proofing the Independent Agency Model The independent insurance agency stands as one of the most enduring and adaptable business models in the American financial… Continue Reading →
Every VEBA Plan Sponsor Must Understand the Bonding Mandate Under ERISA. A VEBA ERISA fidelity bond is not optional. Voluntary Employees’ Beneficiary Associations (VEBAs) occupy an important niche within the American employee benefits system. While the term “VEBA” frequently appears… Continue Reading →
ERISA Fidelity Bonds and Lloyd’s of London Approval Requirements, NAIC Alien Insurer Eligibility, and Department of Labor Compliance Standards for Section 412 Bonding The ERISA fidelity bond sits at a regulatory crossroads where employee benefits law borrows the risk transfer… Continue Reading →
Surety Payment Underwriting Lessons from Eastern Steel v. International Fidelity: Arbitration Risk, Bond Language, and Claims Exposure. The Pennsylvania Supreme Court’s decision in Eastern Steel Constructors, Inc. v. International Fidelity Insurance Co. is being discussed as a construction surety payment… Continue Reading →
“Form 14 Fidelity Bonds Are Hard to Place Because Broker-Dealer enterprises Combine High Velocity Asset Flows, Insider Access, Cyber-Enabled Deception, and Litigation Prone Coverage Triggers That Concentrate Severity and Constrain Market Capacity. We write them, but there is an art… Continue Reading →
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