The Employee Retirement Income Security Act of 1974 (ERISA) imposes upon plan sponsors and the individuals who administer employee benefit plans some of the most exacting standards of conduct known to American law. Fiduciaries must act prudently, diversify plan investments… Continue Reading →
On June 3, 2026, President Donald J. Trump signed the Executive Order titled “Strengthening Customs Enforcement,” directing the Department of Homeland Security (DHS) and U.S. Customs and Border Protection (CBP) to carry out the most far-reaching overhaul of import requirements… Continue Reading →
When the Supreme Court resolves a question that has divided arbitrators and circuit courts for years, the immediate beneficiaries are the litigants—but the lasting effect falls on everyone who manages risk inside the ERISA system. The Court’s unanimous decision in… Continue Reading →
Plan sponsors often assume that the routine mechanics of a retirement plan, the payroll feeds, the contribution reconciliations, and the forfeiture accounting are administrative details handled quietly somewhere inside the recordkeeping system. A recent enforcement action brought by the United… Continue Reading →
Few questions arrive at our underwriting desk more often than this one. Does a surety bond protect me? The question is reasonable. The instrument is called a “bond.” It is sold by insurance companies, it is paid for with a… Continue Reading →
On April 23, 2026, Governor Bill Lee signed Senate Bill 2326 into law as Public Chapter 731, amending Tennessee Code Annotated, Title 66, Chapter 27 to require every property owners’ association in the state to obtain and maintain a fidelity… Continue Reading →
Overreach by Analogy: My Take on the NAIC Model Bulletin on Artificial Intelligence in Insurance. In December 2023 the National Association of Insurance Commissioners adopted its Model Bulletin, ‘Use of Artificial Intelligence Systems by Insurers’, a document that has since… Continue Reading →
What the $166 Billion CBP Tariff Refund Launch Means for Customs Bond Principals. A Surety One, Inc. analysis for importers, licensed customs brokers, and trade compliance professionals. On April 20, 2026, U.S. Customs and Border Protection (CBP) activated the first… Continue Reading →
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 →
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