Chris Burand
Pandemic/Isolation Factors
When dealt a hand of cards, the goal is to play them as best you can. In other words, be constructive. The COVID-19 virus has given...
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Chris Burand
Jul 1, 20205 min read
What we have to Regret
"What we have to regret most often is the human perversity that regards truth as slander where its acceptance means changing a previously...
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Chris Burand
Jun 23, 20203 min read
True Independent Advice
My heart goes out to independent agents who need outside advice. These are tough times. The consolidation of the market has caused, at...
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Chris Burand
May 29, 20203 min read
Is personal auto insurance truly a commodity?
I can live in Wishful Thinking Land or in reality, and the reality is that because our industry has failed on a thousand levels to...
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Chris Burand
May 18, 20204 min read
Fake Risk Management
I see consultants selling and agents/producers buying what is really just junk all the time under the name of "Risk Management" and TCOR...
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Chris Burand
May 6, 20204 min read
Determining Building Values
My firm, Burand Insurance Education, teaches in-depth coverages classes. The course material is in-depth and personal and when combined...
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Chris Burand
Apr 10, 20202 min read
Fools for Teachers
"If you are self-taught you had a fool for a teacher." -Mark Twain This is one of my favorite quotes. It explains many of the reasons so...
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Chris Burand
Apr 7, 20205 min read
Let's Make Lemonade out of Lemons
The COVID-19 pandemic is certainly a huge lemon thrown into our lives, the economy, and most likely E&O claims. I do not believe the...
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Chris Burand
Mar 19, 20206 min read
E&O Claims are Rare (except following catastrophes)
E&O claims are extremely rare. Their rarity is why so many agents do not think they will ever incur one. The infrequency of E&O claims is...
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Chris Burand
Mar 12, 20204 min read
Business Income/Interruption Insurance
I have been completing E&O audits, teaching coverages and E&O, and writing about these subjects for 25 years. During audits, I have just...
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Chris Burand
Mar 4, 20207 min read
Better than Reality
With complete apologies for hijacking a quote concerning serious historical matters and from one of the 20th Century's pre-eminent...
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Chris Burand
Feb 26, 20203 min read
Snake Oil Salesman
There is a great scene in the old movie, "The Outlaw Josie Wales," where a snake oil salesman is selling medicinal cures. It is a short...
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Chris Burand
Feb 20, 20205 min read
Insuring Property Well
What is fundamental to insuring property correctly? Getting the value correct? Of course! But what might that value be?
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Chris Burand
Jan 22, 20204 min read
The Return on Zero is Zero
“A thing that is free is of no earthly importance.” -Will Rogers Three Dimensional Training® is a premier educational program. Selfishly,...
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Chris Burand
Dec 20, 20198 min read
Is it time to stop pretending?
Pretending is expensive. An average Hollywood feature film costs $70-$90 million to make (2-23-17, Hollywood Reporter). A scripted...
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Chris Burand
Nov 26, 20192 min read
Are you REALLY prepared?
Do you ever find yourself in a stressful, challenging situation trying to remember coverages in front of a client? Do you ever find...
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Chris Burand
Nov 12, 20194 min read
Is insurance too complex?
I ask this because over my 25 years of doing E&O audits, E&O instruction, and giving E&O advice, not much has changed relative to whether...
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Chris Burand
Sep 24, 20195 min read
Carrier Size vs Broker/Aggregator Size
I wrote an article in a prior newsletter regarding the relative size of many independent brokers and aggregators now being larger than...
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Chris Burand
Sep 11, 20193 min read
Business Income: The Dreaded Coverage!
Why do I state Business Income is "The Dreaded Coverage?" Based on my years teaching and decades of E&O audits...
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Chris Burand
Sep 4, 20194 min read
Becoming a Professional Insurance Agent
I have had the opportunity to ask many former Division I college athletes and a few professional athletes how much time they spent...
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