Insurance Blog | Avanti Group Iowa

5700 Merle Hay Road, Johnston, IA 50131
(515) 697-3864
rich@avantigrp.org

Cyber Liability

Cyber for SaaS and Tech Companies: What Underwriters Expect

A perfectly organized structured-cabling wall in a software company's network room — symmetric cable bundles sweeping between patch panels on open-frame racks under cool white light — a visual metaphor for what cyber underwriters look for in a SaaS account: security discipline that can be demonstrated at a glance.

Cyber Liability

Ransomware Coverage Gaps: Sublimits, Coinsurance, and Exclusions

A data-center aisle at night with three racks of running servers glowing blue and teal behind a closed, keycard-locked steel-mesh colocation cage, the dark aisle receding into shadow on the left — a visual metaphor for ransomware locking a business out of its own working systems.

Management Liability

Fiduciary Liability for Businesses That Sponsor a Retirement Plan

A white-gray concrete grain elevator headhouse and row of cylindrical silos standing at the edge of a cut Iowa cornfield at harvest dawn, warm gold light raking across the concrete, all hatches closed and nothing in motion, with open field and sky filling the left of the frame — a visual metaphor for fiduciary stewardship: infrastructure built to faithfully hold value that belongs to other people.

Management Liability

Crime, Employee Dishonesty, and Social Engineering: Three Policies, One Loss

A gray armored cash-transport truck parked at the granite rear service entrance of a bank before sunrise, rear doors closed and latched, beside a sealed stainless-steel night depository, with an empty pre-dawn street stretching away under one warm security light — a visual metaphor for how businesses armor the physical channels money moves through while the deception-based channel, the one no steel guards, stays open.

Management Liability

Indemnification Basics for Officers and Board Members

A long rubble-mound stone breakwater with a concrete cap at overcast dawn, steel-gray waves breaking white against its outer face while the harbor water inside lies calm and glassy, a single small white workboat moored level at a timber dock in the sheltered water with no people present — a visual metaphor for corporate indemnification and Side A D&O coverage as the layered wall a director's personal assets shelter behind.

Management Liability

EPLI for Restaurants: The Highest-Frequency Sector

The cooking line of a professional restaurant kitchen in the quiet hour before service, a long stainless commercial gas range with six burner stations receding along the right of the frame, five burners cold and one carrying a low blue-orange flame, under a stainless exhaust hood in low-key warm amber light with no people present — a visual metaphor for the restaurant industry's employment-claims frequency, where the next claim can ignite at any station.

Management Liability

EEOC Charges: The First 30 Days

The security lobby of a modern office building at early morning with a row of four brushed-stainless tripod turnstiles receding toward a pre-dawn glass wall, all rotors in the closed rest position, the first lane picked out by a single pool of warm amber light against cool blue-gray ambient light, over polished gray stone flooring with no people present — a visual metaphor for the fixed sequence of checkpoints an employer moves through in the first thirty days after an EEOC charge.

Management Liability

EPLI Claims Trends: Wage and Hour, Retaliation, Harassment

The employee locker corridor of a light-industrial workplace with a long bank of closed gray-green steel lockers receding in perspective, three adjacent locker doors picked out by warm overhead light against cooler institutional lighting, over sealed gray concrete flooring with no people present — a visual metaphor for the three employment claim categories, retaliation, harassment, and wage and hour, present inside every workforce.

Commercial Umbrella

Self-Insured Retentions on Umbrella Policies: What They Mean for Your Cash Flow

A concrete stormwater retention basin at the edge of a Midwestern industrial park after a rain, holding a calm sheet of water below the crest of a straight concrete spillway weir, with a dry outflow channel running toward the horizon under an overcast sky and no people present — a visual metaphor for a self-insured retention, the layer of a claim the business holds and funds itself before the umbrella policy begins to respond.

Commercial Property

Off-Premises Power Outage and Dependent Business Interruption

A rural Midwestern high-voltage transmission line corridor at dusk after a storm, steel lattice towers receding across flat farmland under a heavy blue-gray sky, with a small undamaged single-story commercial building in the middle distance sitting dark and closed with an empty parking lot, no people present — a visual metaphor for business interruption losses that begin off premises, at the utility or a dependent property, while the insured building itself is physically untouched.