russ.krajec@blueironip.com, Author at IP Insurance

Protecting Your Law Practice: Why Attorneys Need Professional Liability Insurance

Professional liability insurance protects attorneys from claims of negligence, errors, omissions. Learn why it’s critical for law firms and how to buy the right policy.

Pro-rating Your Insurance: Get the Coverage You Need and Pay Less

Learn how pro rata insurance works to help you customize coverage, save money, and avoid overpaying for insurance you don’t really need.

Quota Share Insurance: Slice the Risk and Share the Reward

Quota share is an arrangement where insurers share portions of policies to spread risks and rewards. Learn how it works and the pros and cons.

Owning the Risk: Investing in Assets that Shift Liability

Risk assets like insurance-linked securities & catastrophic bonds transfer risk from policyholders to investors. We explore these complex products.

Risk Reduction 101: How to Lower Your Insurance Premiums

Learn techniques like raising deductibles & improving home security to qualify for insurance discounts. Reduce risk to save money on premiums.

Risk Sharing: How Insurance Distributes Loss Across Many

Risk sharing through insurance policies distributes potential financial losses across a larger pool to minimize individual loss. Learn how this system benefits all.

Risk Transfer in Insurance: Shifting Burdens to Protect Assets

Risk transfer is the principle of shifting financial responsibility for potential losses from an individual or business to an insurance company through an insurance policy.

The Hidden Fees of Insurance Settlements – What You Need to Know

Settlement fees often come as a surprise after an insurance claim. Learn what they are, if they’re legal, when they apply, and how to avoid them.

Managing the Unknown: Assessing Speculative Risks

Speculative risks represent uncertainty for insurers. Learn how the industry approaches emerging, unpredictable threats when pricing policies.

Defining Speculative Risk in Insurance

What is speculative risk in insurance? Learn the key aspects of speculative risk definition and how it impacts coverage decisions.