I remember looking at a beautiful older wooden building that looked wonderful from the outside.  When I got closer and finally went inside, I realized that if the termites stopped holding hands, the entire structure would collapse.  In fact, a good windstorm may have blown it down.  For a lot of small and mid-market businesses, […]

IN CONGRESS, JULY 4, 1776 The unanimous Declaration of the thirteen united States of America When in the Course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth, the separate and equal station to which the Laws of […]

Many of the thought leaders in the risk management industry are looking to captive insurance companies (CICs) as a solution for the complex, interconnected and rapidly evolving global economy.  And, it’s this same complex, interconnected global economy that has given rise to crypto-currencies, powered by

There are many times when businesses join associations or trade groups and receive modest benefit for their dues paid. Then there are times when an association provides tremendous value for the dues it receives. The Self-Insurance Institute of America (SIIA) clearly falls

Captive Insurance Times (CIT) Issue 125 recently reported that small captive insurance companies (CICs) are on the march and preparing to take over as the mainstays of the captive insurance industry.   The report covered Marsh’s 2017 Captive Landscape annual study which includes data from more than 1,100 CICs (almost one-sixth of the total captive industry).  […]