What a tower of limits is, and why yours might be missing a floor
A tower stacks several policies to reach one large limit. The gaps usually sit between the floors, not inside them.
Dana Whitlock, Managing Partner
Insights
Notes from the desk.
Plain-language reads from our brokers and claims advocates on limits, claims, cyber and renewals.
Latest articles, 9 articles
Limits & towers Follow form isn’t always following: reading excess wording
"Follow form" sounds like a promise that the excess policy matches the primary. The fine print often adds conditions.
Claims The first 48 hours after a jobsite injury
What you do in the first two days shapes the claim for months. A checklist from a former adjuster.
Claims How we won a disputed cargo claim without litigation
A composite case study of a regional logistics client, a denied claim and the file work that reversed the decision.
Cyber Ransomware sublimits: the number underwriters hope you skip
Your cyber policy may show a $5 million limit. The ransomware line below it may be much smaller.
Cyber MFA isn’t enough for your cyber renewal any more
Multifactor authentication used to unlock good terms. Today it is the entry ticket, and underwriters ask about much more.
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