Writing from the firm.
Insights is the firm's quarterly writing — published occasionally, written by the partners, intended for clients, prospective clients, and the small audience of insurance-coverage attorneys and family-office advisors who care about the working questions of private-client and commercial risk. It is not a blog. It is not lead-generation content. The pieces below are the start.
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The 2026 Coastal Property Renewal
What Florida's exit means for Connecticut and Rhode Island households. The carriers that have retreated from Florida coastal property are taking their underwriting discipline with them — including a meaningful narrowing of appetite in the Long Island Sound and the Rhode Island shoreline. We read the 2026 renewal.
Continue reading →Reading a D&O Policy
Five clauses every closely-held board should test before they need to. Most of the gaps the firm finds on commercial D&O reviews are concentrated in the same three places — the definition of "claim," the insured-versus-insured exclusion, and the consent-to-defense provision. We read them out.
Continue reading →When a Family Office Should Re-Underwrite
The case for an Ashford Review at the trust-formation moment. The broker who wrote the household program is often not the right broker to write the foundation, the trust D&O, or the domestic-employment EPLI. The trust-formation moment is the right time to evaluate.
Continue reading →Cyber Liability for Manufacturing
What the 2025 ransomware wave surfaced about mid-market coverage gaps. The Cyber market hardened meaningfully in 2024 and softened modestly in 2025 — but the carrier-by-carrier coverage differences widened in the same period. We summarize what the firm has learned.
Continue reading →Personal Excess Liability After the New England Hurricanes
Recalibrating limits for 2026. The 2024 and 2025 hurricane seasons produced significantly more inland-Connecticut and Rhode Island property damage than the prior decade combined. The implications for personal excess (umbrella) limits — and the carriers that write them — are material.
Continue reading →