Bill Wilson

A simplified product covering only continuing expenses for a limited period, such as four months, MIGHT be workable.

Civil authorities' closure orders may include language designed to trigger insurance coverage, but it's legal gamesmanship. Read the policies closely.

No. Entering into a complex legal contract where significant assets are at stake is not remotely similar to ordering delivery of a burrito.

Recent studies contend that consumers don't trust insurance agents, but the research misses a crucial point.

The insurtech industry must get away from the misguided premise that what consumers want and need is fast, easy and cheap.

What’s more important, fast and convenient, or having a six-figure uninsured loss? And exactly what coverages are provided?

How can you dramatically improve your litigation success? Easy…don’t litigate. Resolve the coverage issue before a claim arises.

How can we expect mainstream media outlets to write accurately about the insurance industry when we don’t do it ourselves?

The use of scooters--and number of accidents--is going to increase, creating significant risk. So, what are the insurance implications?

Look at Ritz-Carlton. Through a lot of effort, it has created a corporate culture almost solely devoted to serving the customer.

The latest hype from Lemonade is about a revolutionary “open source” homeowners/renters policy. Let's look at what's in there.

Do consumers view insurance agents as they do doctors, attorneys, accountants or perhaps clergy members? Almost certainly not.

Too many agents compete unethically, offering illegal advice to clients. It's time to start reporting those who commit insurance fraud.

Some predictive models are “Rube Goldberg” constructs; the worst resemble “a bunch of monkeys heading up the Manhattan Project.”

Many say insurance buyers do not need professional representation. Let’s dispel that ludicrous assertion through a scenario.

Insurance in its present form does not lend itself to an Amazon “1-Click” purchase. Contracts are not commodities distinguished only by price.

Are there possible reasons for this alleged superior performance other than advertising and the use of direct, not agent-driven, sales?

Independent agents have been doing comparative rating for decades. And, in person or online, it’s a dangerous thing.

Lemonade announced a new coverage stance on guns and gun owners, but does it benefit society or just Lemonade?

A $120,000 home was rebuilt 16 times in 18 years at a cost of almost a million dollars. Why do we let this craziness continue?

Lemonade is reducing their workload, increasing consumers’ risks of loss--and asking their customers to thank them for it.

We should abolish the NFIP and mandate property coverage by all owners and tenants in property, auto and other policies.

For the love of God, please, please, PLEASE stop comparing buying insurance to buying a consumer product on Amazon!

Easy question, simple answer: They don’t. The implication is that an agent "skims" 15% commission off the top, but that's very wrong.

Are autonomous vehicles inevitable? Probably. Are they imminent? Probably not, at least on a widescale basis.

A goal is to use big data to pre-fill forms so customers don't have to answer any questions. But have you seen how unreliable the big data is?

This “We can write your insurance in two to three minutes” mantra is becoming a common theme with many of these insurance startups.

There are differences in products, and, sometimes, those differences are worth what they cost. What if we tried "sort by delight"?

Travel insurance and wedding insurance....something that revolutionary certainly deserves an $8 million infusion of cash.

The insurance purchase cannot (and should not) be reduced to a Facebook like or an Amazon-like “1-Click” purchase.

The author, retiring after nearly 50 years in the industry, lists the six worst trends he's witnessed in his distinguished career.

Direct, price-focused sales that emphasize speed are inevitably headed for problems because there's no time to do effective underwriting.

Google Compare just adds to the illusion that consumers really can compare insurance products and reach purchasing decisions online.

BlaBlaCar shows how hard it is becoming to interpret policies.

No. TV ads emphasizing the speed of application suggest otherwise, but you don't pick a dentist based on how fast he does a root canal.