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 →
The Cyber Theft Gap: Why an ERISA Fidelity Bond May Not Respond to Modern Cyber-Enabled Losses, and How Sponsors Close the Exposure The retirement plan ecosystem has become a high-value target for cybercriminals because defined contribution plans concentrate liquid assets,… Continue Reading →
The customs bond market has historically been a stable, compliance-driven segment of the surety bond industry. Customs bonds are required by U.S. Customs and Border Protection to guarantee payment of duties, taxes, and fees owed on imported goods, as well… Continue Reading →
Clearly Understanding the Surety Bond General Indemnity Agreement as the Central Contractual Mechanism Driving Risk Allocation and Loss Recovery in Commercial Surety New surety bond producers often learn bonds as if the bond form is the whole product. Clearly understanding… Continue Reading →
The Pipeline Crisis of Talent in Insurance: Why Underwriting and Claims Expertise Will Decide Market Winners and Losers The London specialty market is not subtle about what it sees coming. In its February 5th, 2026 market update, the London Market… Continue Reading →
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