Few questions reach a fidelity underwriting desk as often as this one: “Is a commercial crime policy the same thing as a fidelity bond?” The question arrives from controllers who have been told by a lender to “get bonded,” from… Continue Reading →
There are two accounts of the American insurance workforce circulating at the moment, and they cannot both be true. In the first, delivered to trade press and industry pollsters, carriers are holding steady, hiring selectively, and adopting artificial intelligence to… Continue Reading →
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 →
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 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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