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Market Insights
A Thanksgiving Reader
We were so grateful to have Seth Godin join us for our Culture Week this year, as his program offered us so many insights and new ways to approach the things that we do. And we’re grateful to follow Seth this Thanksgiving, as his Thanksgiving reader is a wonderful reminder of all of the beauty…
What You Missed in the Budget Bill—And How it Could Hurt You
Earlier this month, the Wall Street Journal reported that federal penalties for workplace-safety violations increased for the first time since 1990, raising maximum fines for the most severe citations to $125,000 from $70,000 and for other serious violations to $12,500 from $7,000. While the change represents an 80 percent increase, it brings the fines more in line with…
Coca-Cola, will.i.am, and W Hotels Partner to Offer Sheets Made of Recycled Plastic Bottles
An unlikely combination, but an interesting one. W Hotels will be changing the sheets on all of the beds in its North American hotels before the close of the year. The new sheets are made of polyester partially composed of recycled plastic, using about 31 recycled 20 oz. plastic bottles per king-size sheet set. That’s…
Looking to the Future
In late August, we announced the acquisition of Fulcrum Insurance Programs by Distinguished Programs and the formation of a new company to be rebranded asDistinguished Specialty. Over the years, together with your continued support, we have developed and expanded our programs and services in the niche markets we serve. We want to thank you for…
3 Convincing Reasons to Offer Builders Risk Insurance
If small business is referred to as the heartbeat of America, then the more than 500,000 specialty contractors in the United States might just serve as the blood running through its veins. With new housing starts up more than 10% year-over-year, and 16% growth seen specifically in the construction of multi-family units – defined as…
#31 of the 100 Fastest-Growing Private Companies in WA
Fulcrum Insurance Programs was honored to be a part of the Puget Sound Business Journals 100 fastest growing private companies event Thursday October 9. The 100 Fastest-Growing Private Companies in Washington state are honored at this award event where the list rankings are revealed in a countdown from 100 to one. Fulcrum was excited to…
5 D&O Lawsuits That The Board Never Saw Coming
Volunteer work can be some of the most gratifying hours of our week. Giving our time and sometimes our expertise to a cause that we believe in can feel wonderful-while making a positive difference to a group or cause that needs our help. Serving on your community association’s board is no different. How can board…
The Coverage Your Builder and Contractor Clients Forget to Buy
(Spoiler Alert: You can add it on to your proposals in minutes.) Construction is everywhere. Whether you’re stuck in traffic because of highway repairs, watching new luxury condos go up, or building a residential home, new construction, remodeling, and renovations are all around us. And with construction comes risk… a lot of risk.
4 Urban Risks To Help You Grow Your Portfolio
Opportunities for a more diversified portfolio, increased referral business, and some really interesting underwriting are right around the corner in your neighborhood. Here are 4 urban risks that could be your new favorite specialty: Cultural Institutions Urban areas are home to hundreds of cultural institutions, ranging from Natural History museums to local art galleries….