Brightstone Blog

Why the Carrier Matters

Posted by Risk Strategies Company on 4/16/18 1:36 PM


When purchasing home insurance, many people assume there isn’t much difference from one carrier to another. For many, the primary determining factor when looking for insurance is cost. For others, it might be a long standing relationship with their insurance agent. While pricing and relationships are important, there are many other factors to consider when insuring your home.

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Topics: Insurance News & Trends

Drivers with Personal Auto Insurance – A “Dirty Little Secret” that exposes you to risk?

Posted by Risk Strategies Company on 4/10/18 3:57 PM

Social media is notorious for disinformation and false rumors. Let’s put one to rest.

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Topics: Courier / Delivery Insurance

Drone Insurance. Staying Ahead of the Curve.

Posted by Risk Strategies Company on 12/8/17 9:43 AM



The future is now for commercial drone package delivery - or almost.  Certainly, now is the time to figure out how best to manage the risks of drone-using operations.  Drone manufacturing is at a record pace, while insurance companies are working to develop liability and physical damage packages to meet consumer demand.

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Topics: Risk Management

New Cyber Risk Solutions: Beyond Insurance

Posted by Risk Strategies Company on 11/10/17 1:42 PM


Feeling like you're adrift and exposed when it comes to Cyber risk?  You're not alone. 
“Cyber” risk focuses on the unintentional loss of personal, confidential information – including records you transport.  The scope of risk is actually much broader and includes the potential for business interruption and lost revenue, as well as brand and reputation damage.
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Topics: Risk Management

Commercial Vehicle Terrorism is Real. How can You be more Vigilant?

Posted by Risk Strategies Company on 11/6/17 11:22 AM


If you're a courier/same day transportation owner or owner of any commercial fleet, you'll want to READ THIS.   

Here's the official definition from the Transportation Safety Administration, of a rapidly growing form of vehicle terrorism called, 'Vehicle Ramming'.  

"Vehicle ramming is a form of attack in which a perpetrator deliberately aims a motor vehicle at a target with the intent to inflict injuries or significant property damage by striking with concussive force."

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Topics: Insurance News & Trends

Commercial Driving and Opioids, Are Your Drivers at Risk?

Posted by Risk Strategies Company on 10/9/17 2:30 PM

 In today’s transportation industry, it’s not easy to ensure that managers have a chance to observe drivers before they start their shifts. But if you don’t, do you open yourself up to chance – and liability for negligent supervision? 

Impaired driving isn't just a consumer-driven issue, commercial vehicle impaired driving is on the rise, including Opioid use.  In fact, opioid abuse is on the rise and it CAN take down your drivers and damage your business.

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Topics: Insurance News & Trends

Trending Topics & Market Conditions, Ask the Experts

Posted by Risk Strategies Company on 10/3/17 9:38 AM


2017 has been a frenetic year for the same-day delivery world, both from an e-commerce standpoint, as well as the shifting commercial insurance landscape and its impact on policy holders.  In a recent interview, Brightstone/Risk Strategies Company's Bryan Paulozzi and Brian Jungeberg, addressed some trending topics impacting today's courier world. 

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Topics: Insurance News & Trends

Your Role as a Trustee: If called, Will You Be Ready?

Posted by Risk Strategies Company on 9/27/17 10:49 AM


Over the years, many of our clients have been or will be a trustee, charged with managing someone’s assets after he or she dies. While a great honor, the trustee role is a demanding one, and few start out with all the skills and experience required to perform the role, even with the best of intentions.

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Topics: Personal Insurance Protection

Insurance Trends for Logistics and Delivery Companies

Posted by Risk Strategies Company on 8/22/17 10:55 AM

This article originally appeared in the November/December 2016 edition of Courier Magazine. Click here for the full issue and article (found on page 11).

It continues to be a rocky road for the same day delivery and courier industry, as a record number of insurance carriers are exiting the logistics and transportation space due to what's known as, 'Nuclear Verdicts.' 

Brightstone / Risk Strategies Company's Peter Schlactus recently sat down with CLDA, Customized Logistics & Delivery Association Director of Public Relations, Andrea Obston for a Q&A, examining the present and future state of this ever-changing landscape.     

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Topics: Courier / Delivery Insurance

How "Nuclear" Verdicts Are Driving Up Insurance Costs for the Delivery Industry

Posted by Risk Strategies Company on 8/3/17 9:00 AM

Editor's note:  This post has been updated to include up-to-date information and resources.

“Nuclear” verdicts — sounds scary, right? Well, if you’re in the delivery industry, it’s not only scary, it’s a reality that may be costing your business major bucks (and headaches).

Over the last few years, an uptick of high-profile accidents involving commercial trucks has resulted in a series of large settlements where insurers were forced to pay tens to hundreds of millions of dollars to accident victims and their families.

These "nuclear" verdicts have carriers thinking twice about insuring trucking fleets, which results in fewer insurance options and increased premiums for delivery businesses.

Below, we discuss the shifts seen in the insurance market and how it impacts delivery businesses like yours. 

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Topics: Courier / Delivery Insurance, Brightstone News