understanding tariffs

Understanding Tariffs: What They Are, How They Work, and Their Impact on Businesses

June 19, 2025

Today’s global economy is highly interconnected. In the midst of this interconnectedness, tariffs are often used to push policy actions forward. However, this unique kind of tax also directly influences business strategy, pricing, and risk. Understanding tariffs and how they impact your operations is essential for smart financial planning and effective risk management, especially when…

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A large cargo ship docked at a port being loaded with colorful shipping containers under cranes, illustrating global trade and Incoterms-related logistics and insurance responsibilities.

Incoterms and Their Impact on Insurance Responsibilities

June 2, 2025

When shipping goods across international borders, it’s critical to understand the role of Incoterms and insurance responsibilities. These internationally recognized trade terms define the responsibilities of buyers and sellers, including who arranges shipping, who pays for what, and—most importantly for insurers and logistics teams—who holds liability during different stages of the shipping process. If you’re…

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Two professionals reviewing home and auto insurance coverage documents at a desk with a calculator, laptop, and paperwork.

Home, Car, and Everything in Between: How to Protect Your Biggest Investments

May 21, 2025

When you buy a home or a car, you’re not just making a purchase—you’re making a long-term financial investment. These assets represent some of the largest commitments most people will make in their lifetime. With today’s rising interest rates, economic instability, and inflation affecting everything from materials to medical care, the stakes are even higher.…

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Wooden family figures under an umbrella labeled “Insurance,” representing protection from umbrella insurance coverage gaps.

Why Basic Home & Auto Insurance May Not Be Enough in Today’s Economy

May 12, 2025

In today’s volatile economy, relying solely on standard home and auto insurance may not offer the level of protection you need. Inflation is pushing up the costs of property repairs, medical bills, and legal settlements. At the same time, our lifestyles are becoming more interconnected and legally complex. If your current policies don’t keep up,…

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Reviewing freight forwarder insurance coverage documents to protect cargo shipments.

Protecting Your Cargo: Why Freight Forwarder Insurance May Not Be Enough

May 10, 2025

Protecting Your Cargo: Why Freight Forwarder Insurance May Not Be Enough In today’s global supply chain, freight forwarders and logistics providers are essential in getting goods from origin to destination. Yet while these partners manage the movement of your cargo, the responsibility for financial loss or damage may still fall on you—unless the proper insurance…

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Container port at sunset with cranes and cargo ships, symbolizing global trade and the integration of Big Data and AI in marine cargo insurance.

The Future of Marine Cargo Insurance: Big Data and AI on the Horizon

May 6, 2025

Marine cargo insurance has long been the backbone of global trade, protecting goods as they move across oceans and continents. While the industry has traditionally relied on established underwriting practices and historical data, emerging technologies are beginning to show promise for transforming how we assess risk and handle claims. At Coughlin Insurance Services, we’re keeping…

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A large cargo ship carrying colorful shipping containers sails through a port, illustrating the complexities of maritime transport and cargo insurance risks.

How General Average Can Impact Your Cargo Insurance Costs

April 15, 2025

When it comes to maritime shipping, one of the most critical—and often misunderstood—concepts is General Average (GA). Whether you’re a first-time shipper or an experienced logistics professional, understanding General Average and its impact on your cargo insurance costs is crucial for protecting your business. In this article, you’ll learn how General Average works, how it…

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Aerial view of a busy shipping port with cargo containers and freight ships—highlighting the logistics and hidden cost of freight insurance.

The Hidden Cost of Freight Forwarder Insurance

April 1, 2025

Why Ocean Cargo or Stock Throughput May Be a Smarter Investment Businesses that import or export goods face an array of complex logistics challenges. While many companies default to insuring their goods through their freight forwarder, this seemingly convenient option often comes with hidden costs and limitations. If you’re regularly moving high-value or high-volume shipments,…

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Climate Change and Business Insurance: Navigating New Realities

Climate Change and Business Insurance: Navigating New Realities

March 18, 2025

As climate change accelerates, businesses face unprecedented challenges that extend beyond environmental concerns into financial stability and operational continuity. The increasing frequency and severity of extreme weather events—ranging from hurricanes and floods to wildfires and droughts—are reshaping the landscape of commercial insurance. Understanding these shifts is crucial for businesses aiming to protect their assets and…

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Building Resilience: The Role of Insurance in Sustainable Practices

March 11, 2025

Climate change is transforming the insurance industry as rising global temperatures contribute to more frequent and severe natural disasters. From wildfires and hurricanes to extreme flooding, these events create financial instability for individuals, businesses, and insurers alike. In response, the industry is developing innovative solutions to mitigate risk and promote sustainable practices that enhance long-term…

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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200

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