Articles
The journey of food from farm to table involves an intricate food distribution chain of producers, processors, distributors, retailers, and logistics providers. This complex food distribution chain faces countless risks at every stage, from natural disasters destroying crops to contamination events that can trigger massive recalls. Insurance serves as the critical safety net that keeps…
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In today’s interconnected business landscape, global supply chains have become the backbone of commerce. From food manufacturers sourcing ingredients across continents to construction companies importing specialized materials, businesses rely heavily on complex international networks. However, this interdependence creates significant vulnerabilities that many organizations fail to adequately address through proper insurance coverage. At Coughlin Insurance Services,…
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Recent tariff escalations have created immediate operational challenges that go far beyond simple cost increases. For businesses managing international supply chains, the real impact hits where it hurts most: customs bond requirements, inventory valuation fluctuations, and warehouse risk exposure. Customs Bond Pressure Points Surety Capacity Constraints When tariffs spike, your customs bond requirements can double…
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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. This includes who arranges shipping, who pays for what, and who holds liability during different stages of the shipping process. If you’re involved in importing, exporting,…
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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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