Articles
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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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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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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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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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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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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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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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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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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Climate change is a reality impacting individuals, businesses, and industries worldwide. From increasing natural disasters to shifting weather patterns, these changes are creating new risks that traditional insurance models struggle to address. In response, the insurance industry is evolving, offering innovative solutions that enhance climate resilience insurance and ensure financial protection against environmental disruptions. New…
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