Travelers Q3 2026: The $9.18 Beat Built on Reserves, Rates, and a $50B Buyback Machine
Travelers Q3 2026: $9.18 core EPS (+13%) on an 86.8% combined ratio and record $1.1B investment income, with $1.8B returned.
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Per Stirpes vs. Per Capita: How One Latin Phrase Decides Whether Your Grandchildren Inherit
Per stirpes routes a deceased beneficiary's share to their descendants; per capita gives it to the surviving beneficiaries instead.
Bobtail vs. Non-Trucking Liability: Which Coverage Gap Each Fills for Leased Owner-Operators
Bobtail covers tractor-only driving even under dispatch; non-trucking liability covers personal use off dispatch — leased owner-operators often need both.
Infinite Banking, Explained Skeptically: What "Becoming Your Own Banker" Really Costs
Policy loans are insurer money at 5-8% interest, not your own cash — front-loaded commissions delay break-even past a decade. Compare with buy-term-and-invest.
Garage Liability vs. Garagekeepers vs. Motor Truck Cargo: The Three Coverages Every Repair Shop, Dealer, Tow Operator, and Small Carrier Confuses
Garage liability pays for harm your work causes others; garagekeepers pays for customers' cars in your care; cargo covers freight you haul.
Tech E&O vs. Cyber vs. Media Liability: Which Policy Pays When Your Code Fails, Your Client Gets Breached, or Your Ad Gets You Sued
Tech E&O covers failed work, cyber covers breaches, media covers published content — tech firms need the first two paired, ideally from one carrier.
The ERISA Fidelity Bond Your 401(k) May Be Missing: The 10% Rule, the $1,000 Floor, and the $500,000 Cap
ERISA requires your 401(k) bonded for 10% of plan funds, $1,000 minimum, $500,000 cap, $1M with employer stock. Most bonds cost under $500 a year.
The Golden Handcuffs Your Best Employees Will Actually Thank You For
A restricted executive bonus arrangement funds an employee-owned life policy with deductible Section 162 bonuses that early departures forfeit.
The Sewer Backup Endorsement: The $40-to-$160 Add-On That Covers the Flood Neither Your Property Policy nor Flood Insurance Touches
A $40-to-$160 water backup endorsement buys back sewer-drain coverage every standard policy excludes — buy a $25,000 limit for a finished basement.
Fine Art Shipping and Crating Bookkeeping: What a Museum Crate Really Costs, What the Truck Ride Should Earn, and Why the Insured Value Is Not the Claim Check
A museum crate often costs more than the miles it travels — cost builds like manufacturing jobs and price transport per mile, or one subsidizes the other.
Leasing Your Land to Hunters: Lease Terms, Liability Protection, and Pricing
Hunting leases now pay $8–$50+ per acre a year, but charging for access can void your recreational-use liability shield — write the lease, require insurance.
Event Cancellation Insurance: What It Covers, What It Excludes, and How to Set Your Limit
Event cancellation insurance repays sunk deposits and lost revenue when disaster strikes — but disease, weak sales, and late buys are excluded.