Darkness at Midday

Tri Phan, CPCU, ARM, Kyle Langan

2025

Traits of wildfires, urban conflagrations

Uncertainty

When will the next wildfire in California happen?

Gains from stressors

A spark, a bolt of lightning, a gust of wind, a heat wave

Can cause chaos

Loss of life, property

Can cause disorder, turmoil

Response may be uncoordinated.

Variability

Temperature; heat so intense in spots that it changes the chemistry of the soil to the point where trees do not regenerate. [1]

Imperfect, incomplete knowledge

Precise locations of future wildfire starting points and ensuing paths

Randomness

Wind, heat, humidity levels

Chance

The likelihood of a wildfire is unknown. Preventing forest fires from taking place ‘to be safe’ worsens the big one. [2]

Time

Wildfires may benefit from time, and get stronger with a passing day. Ex: 1950 blaze in British Columbia burned for 222 days. [3]

Volatility

Example: California has hot, dry winds; when these winds are combined with loaded fuels, the culmination is an environment that resembles Australia’s bushfire-prone landscape. In CA, winters with deep snowpacks can grow the total amount of combustible material, also known as fuel load. [4] Winters’ precipitation may be fun for skiers and snowboarders in Mammoth, who probably remember the 2022-2023 season vividly. However, these snow-water content levels can act as ammunition for intense vegetation growth during the springs and summers, resulting in more fuel for fires later. Santa Ana Wind Season: October to February. Diablo Wind Season runs similar course: ~ Fall to Spring.

Ember Awareness

Direct flames: Actual flame coming into direct contact with a building/combustible material. (Smith, 2009)

*Airborne embers: Flaming airborne embers can travel more than a mile from an active wildfire. More than half of wildland interface home ignitions are from flaming embers landing on roofs/objects. (Smith, 2009)

Radiant heat: A wildfire can raise the temperature of nearby combustible materials to the point of ignition. (Smith, 2009)

*An adjacent forest could not burn, while a home does.

Recommended Actions:

#1 Create a wildfire evacuation plan and train employees/inhabitants/family members how to use fire extinguishers

#2 Review and distribute a disaster communication plan

#3 Create and maintain a supply list

#4 Plan how property owners can restore critical operations during unplanned disruption in services

#5 Protect property by creating cleared zones that provide less fuel sources for the fire to spread

#6 Clean off the roof and gutters to minimize the risk of ignition

#7 Back up data to the internet cloud or an offsite drive

#8 Review Insurance coverage

First Published May 12, 2023 by Tri Phan, CPCU, ARM

LAFD Perspective

In California, The Station Fire on the slopes of Mount Wilson one of many examples — there are more areas prone to fire in Southern California than not. A exhaustive list of fire-prone areas would be redundant. Chances are that if you are near an area prone to wildfires, you already know it. But what to do in the event of a wildfire? To gain perspective, I interviewed Blake Robbins, of the LAFD — he spent 16 years as a firefighter paramedic. He fought The Station Fire. Currently, he is Fire Marshall for LAX.

Blake saw the beginning and end of life, as 911 emergencies integrate LA firefighters with EMT/Paramedic operations: LAFD’s responses may range from wildfires to delivering babies to responses of overdoses.

We already agreed that a list of fire prone areas in the Los Angeles area is redundant, though Mr. Robbins still kindly cycled through areas needing mitigation: Ventura, Elysian Park, Griffith Park, Trabuco Canyon, Laguna Canyon. He highlighted Ventura first but noted that Elysian and Griffith parks experience the highest frequency he saw.

Don’t be optimistic

Blake put it simply: In the event of a wildfire, don’t sit in place and don’t be optimistic. He also noted the following: Listen to evacuation orders; have an exit plan (strategy to GO without second guesses); then have a backup plan; finally, winds can change.*

*uncertainty, randomness

Communication: “Red Flag Warning”

National Weather Services’ Red Flag Warnings indicate warm temperatures, very low humidities, and stronger winds, that can combine to produce an increased risk of fire danger.

Wildfire Zones in Western U.S.

The interior Northwest, northern Rockies and Alaska can all face wildfire potential; these areas need strategic preparation. [5]

Some thought Alberta’s blaze was the “result of an atomic war,” or “the end of the world”

Ed Struzik told a story of a Western Canada wildfire so monstrous that the “thickness of the smoke led some people in Ontario to believe that an atomic bomb had exploded and that the western world was at war.” [6] Toronto had to turn on street lights at noon; Buffalo, Pittsburgh, Cleveland, Fort Erie and New York turned lights on at baseball stadiums to illuminate mid-afternoon ball games in the Summer of 1950. [7]

///

Written 2023 – 2025 by

Tri Phan, CPCU, ARM

Kyle Langan

References

APA

Myslivy, Jennifer. (2022, July 14) “BLM AND MAVERIK PARTNER TO PREVENT WILDFIRES.” <https://www.blm.gov/blog/2022-07-14/blm-and-maverik-partner-prevent-wildfires>

Smith, Ed, Sistare, Sonya. (2009) “Be Ember Aware!”. University of Nevada, Reno. <https://naes.agnt.unr.edu/PMS/Pubs/1510_2005_89.pdf>

Chicago

[1, 3, 6-7]

Struzik, Ed. (2011, May 22). “1950 monster fire burned its way into history.” edmontonjournal.com

[2]

Taleb, N. N. (2012). Antifragile. Random House.

[4]

Term of the week: Fuel load. interfire.org. (n.d.). Retrieved from https://www.interfire.org/

[5]

Lada, B. (2023, April 12). AccuWeather’s 2023 US wildfire forecast. Retrieved from https://www.accuweather.com/en/weather-forecasts/accuweathers-2023-us-wildfire-forecast/1510132ntonjournal.com

Learning from structure fires

This West Warwick, Rhode Island tragedy was one of the deadliest nightclub fires of all time. For concert venue hosts, this was an example of what not to do.

Reaction

What to do? Overreact — so as to innovate fire safety measures

  • Install a properly functioning sprinkler system.
  • The level of safety provided is not the result of any single safety system or feature, but rather is achieved through the combination of multiple safeguards that are provided.
  • NFPA code provisions mandate that a considerable number of safety systems and features be present in order to keep everyone safe should an unwanted fire occur.

What not to do?

  • The building that hosted The Station was not protected with any sprinkler system.
  • Fires in assembly occupancies have shown to be some of the most deadly — when the proper features, systems and construction materials were not present.
  • One single entrance/exit for a large number of people in one main space.

Safety Tips

Download the safety tip sheet.

Before you enter

  • Take a good look. Does the building appear to be in a condition that makes you feel comfortable? Is the main entrance wide and does it open outward to allow easy exit? Is the outside area clear of materials stored against the building or blocking exits?
  • Have a communication plan. Identify a relative or friend to contact in case of emergency and you are separated from family or friends.
  • Plan a meeting place. Pick a meeting place outside to meet family or friends with whom you are attending the function. If there is an emergency, be sure to meet them there.

When you enter

  • Locate exits immediately. When you enter a building you should look for all available exits. Some exits may be in front and some in back of you. Be prepared to use your closest exit. You may not be able to use the main exit.
  • Check for clear exit paths. Make sure aisles are wide enough and not obstructed by chairs or furniture. Check to make sure your exit door is not blocked or chained. If there are not at least two exits or exit paths are blocked, report the violation to management and leave the building if it is not immediately addressed. Call the local fire marshal to register a complaint.
  • Do you feel safe? Does the building appear to be overcrowded? Are there fire sources such as candles burning, cigarettes or cigars burning, pyrotechnics, or other heat sources that may make you feel unsafe? Are there safety systems in place such as alternative exits, sprinklers, and smoke alarms? Ask the management for clarification on your concerns. If you do not feel safe in the building, leave immediately.

During an emergency

  • React immediately. If an alarm sounds, you see smoke or fire, or other unusual disturbance immediately exit the building in an orderly fashion.
  • Get out, stay out! Once you have escaped, stay out. Under no circumstances should you ever go back into a burning building. Let trained firefighters conduct rescue operations.

Cited directly from nfpa.org

https://www.nfpa.org/about-nfpa: National Fire Protection Association (NFPA) has been helping to solve some of the planet’s toughest safety problems for more than 125 years. To remain relevant for over a century as a knowledge and information organization, we’ve continually evolved our scope of expertise—from fire prevention, wildfire preparedness, and electrical safety to hazardous materials, community risk reduction, and public safety.

The 10 deadliest nightclub fires in world history

  • Cocoanut Grove nightclub, Boston, MA
    • November 28, 1942
    • Deaths: 492
  • Disco/dance hall, Luoyang, China.
    • December 25, 2000
    • Deaths: 309
  • KISS nightclub, Santa Maria, Brazil
    • January 27, 2013
    • Deaths: 242
  • Rhythm Club dance hall, Natchez, MS
    • April 23, 1940
    • Deaths: 207
  • Cromagnon Republic club, Buenos Aires, Argentina
    • December 30, 2004
    • Deaths: 194
  • Beverly Hills Supper Club, Southgate, KY
    • May 28, 1977
    • Deaths: 165
  • Ozone Disco Club, Quezon City, Philippines
    • March 18, 1996
    • Deaths: 160
  • Lame Horse Nightclub, Perm, Russia
    • December 5, 2009
    • Deaths: 154
  • Club Cinq, St. Laurent du Pont, France
    • November 20, 1971
    • Deaths: 143
  • The Station nightclub, W. Warwick, RI
    • February 20, 2003
    • Deaths: 100

NFPA files on major fire incidents. <https://www.nfpa.org/education-and-research/building-and-life-safety/nightclubs-assembly-occupancies#deadliest-fires>

“Disclaimer: Death tolls are based on information in NFPA’s records. Please contact us at research@nfpa.org to provide any updated information.

Speed Queen Tragedy

This essay’s purpose is for an example of interventionism and the ultimate iatrogenic/cost. I learned about the S.S. Eastland from Mark Spitznagel and I give full credit to my education of the incident to eastlandmemorial.org. However, this is not merely a summary of the incident, but specifically highlighting only the interventionism and the resulting cost. The lesson from this is to prioritize risks in a “what to avoid” way, which can be conducted through a CRO or risk champion’s “what-if analysis.”

Early indications

July 17, 1904

Near catastrophe occurred with 3,000 passengers aboard. The S.S. Eastland began listing to port by 12 to 15 degrees. The water ballast was adjusted to correct the list, but then a worse list to starboard occurred, estimated to reach 20 to 25 degrees. The main deck flooded with approximately 18 in. (46 cm) of water.

    • If the ship had capsized, she would have continued over until she rested keel up in the water. The loss of life would have been devastating.
    • This incident occurred in full view of South Haven and the public was alarmed

July 1, 1912

Another severe listing of approximately 25 degrees while loading passengers in Cleveland.

1914:

Final Warning A.A. Schantz (general manager of the Detroit and Cleveland Navigation Company)

He is well known for his prophetic remarks during the La Follette Seaman’s Act testimony in which he petitioned against increasing lifeboat requirements for Great Lakes vessels. He stated that the additional weight requirements would cause many Great Lakes vessels to become top heavy and prone to capsizing. (eastlandmemorial.org).

Iatrogenic modifications

During the winter, the St. Joseph-Chicago Steamship Company decided to outfit the Eastland with 6 additional life rafts and 3 additional lifeboats in June 1915 while the ship was in for other repairs.

Other than the lifesaving equipment, the modifications performed on the Eastland for the 1915 season also included the rearrangement of certain compartments for usability, and the replacement of decking with tons of concrete in the ‘tween deck dining room and the main deck near the aft gangways. This modification in particular reduced the metacentric height of the ship.

One can naturally deduct that was inspired by the events of the Titanic. But it was not just inspired, it was regulated by The federal Seamen’s Act which been passed in 1915 following the RMS Titanic disaster three years earlier. The rules-based regulation required retrofitting of a complete set of lifeboats on Eastland. This additional weight may have made Eastland more dangerous by making her even more top-heavy

S.S. Eastland’s “top-heavy condition was now amplified and precarious at best when fully loaded.”

Disaster strikes

On Saturday, July 24, 1915, the passenger ship Eastland was docked in downtown Chicago on the Chicago River preparing to depart for a Lake Michigan cruise to Michigan City, Indiana for a Western Electric employee picnic. Soon after 2,500 passengers boarded the ship it began to list. First to starboard, then to port while still moored to the wharf. The Eastland rolled onto its side, spilling passengers into the river and trapping others underwater in the interior cabins, mostly women and children. The disaster claimed 844+ lives. This tragedy remains relatively obscure in American history, even though it resulted in the largest death toll of any single disaster occurring in the continental United States in the twentieth century.

The majority of those preparing to board the ships were actual employees of Western Electric. Because the company picnic was an important social event, a great many of the employees in attendance were young, single adults in their late teens or early 20’s.

At 6:53, the ship began to list again,  port list resumed at 7:20, at which time water began coming into the ship through the gangway openings on the port side. Even so, no great panic occurred among the passengers. In fact, some began to make fun of the manner in which the ship was swaying and leaning.

By 7:23, the list had become so severe that the crew directed passengers, many of whom were on the ship’s upper decks, to move to the starboard side. However, by 7:27, the list had reached an angle of 25 to 30 degrees. More water began to flow into the ship from openings in the port side, as chairs, picnic baskets, bottles, and all sorts of items began to slide across the decks.

At 7:28, the list had reached 45 degrees. At this point, many of the crew began to realize the seriousness of the situation. Many more passengers were now on the port side of the ship, securing bench seating for their families and settling in for the trip. The furnishings, piano, dishes, iceboxes, lemonade stand and appliances fell over with loud crashes and slid across the decks. The passengers began to panic. Many began to crawl out of gangways or other openings on the starboard side as the Eastland gently continued to list to port until it finally settled on its port side at 7:30.

Some passengers who had pulled themselves to safety were fortunate to find themselves standing on the starboard hull of the Eastland. Others who were not so lucky were trying to stay afloat in the currents of the river. Others were trapped within or under the Eastland. One eyewitness described the scene:

“I shall never be able to forget what I saw. People were struggling in the water, clustered so thickly that they literally covered the surface of the river. A few were swimming; the rest were floundering about, some clinging to a life raft that had floated free, others clutching at anything that they could reach–at bits of wood, at each other, grabbing each other, pulling each other down, and screaming! The screaming was the most horrible of all.”

THE RESCUE
Other boats in the area and people nearby began helping with rescue operations immediately. Workers used cutting torches to cut holes in the side of the hull to pull out survivors as well as dead. The screams coming from those inside the ship were disturbing the onlookers. By the time the holes were cut in the hull, many who had been alive at the time the ship rolled had since drowned. A great effort was expended to remove the dead from inside the ship as divers had to go underwater within the hull to retrieve bodies.

841 passengers, 2 from the Eastland’s crew, and 1 died in the rescue effort. Although the Titanic, which sank over three years prior in 1912, had a higher total death toll of 1,523, the Titanic actually had a lower death toll of passengers than the Eastland as crew deaths of the Titanic totaled 694.

Anecdote

Rumors of past instability still followed the Eastland. As a result, The Eastland Navigation Company placed a half-page newspaper advertisement in the Cleveland Plain Dealer and the Cleveland Leader on August 9, 1910. The ad read, in part: “. . .there are thousands of people who know absolutely nothing about boats, the rules and regulations for their running, and inspection and licensing of the same by the U. S. Government. In the hope of influencing this class of people there have been but into circulations stories to the effect that the Steamer Eastland is not safe.” The ad also offered a five thousand dollar reward to anyone who could “bring forth a naval engineer, a marine architect, a shipbuilder, or any one qualified to pass on the merits of a ship who will say that the Steamer Eastland is not a seaworthy ship, or that she would not ride out any storm or weather any condition that can arise on either lake or ocean.” There is no record showing that anyone ever came forward to claim the reward.

References

The Eastland. Eastland Memorial Society. https://web.archive.org/web/20090122125939/http://www.eastlandmemorial.org/eastland2.shtml

Eastland disaster. Eastland Disaster – Eastland Disaster. (n.d.). https://eastlanddisaster.org/history/eastland-disaster

AccuWeather insight: Southern Californian vs. Australian Wildland Fires

Monitoring stressors in California

Kyle Langan, 2025

Stressor: Dry winds

Scenario: A storm develops offshore from Southern California, paired with high pressure centered over the West. This can bring high-velocity winds, which may pose fire risk even in the most urban areas of L.A. [1]

Stressor: Gusty conditions paired with low humidity levels

Santa Ana Season starts in October, on average, and goes through January, sometimes getting into the start of February. [2] Even in winter time, CA can remain dry, windy, and sometimes hot. On their SoundCloud podcast, Paul Pastelok and Joe Lundberg provide continuous guidance for concern of winds lining up for an offshore presence. [3]

Storms off the Pacific Coast can determine magnitude and timing of winds according to Pastelok. [4] AccuWeather uses Local StormMax™ for wind events, set at 100 mph, for example.

Combustible material

Scenario: California sees record-breaking snow water contents. This precipitation delays the onset of wildfire season, and increases the total amount of combustible material, fuel load. The precipitation leads to intense growth, then is followed by severe drought. What does this set up for?

Lightning can naturally ignite fires (ex: August 2020 California lightning siege. Santa Ana Winds can then fan flames of blazes and cause them to evolve rapidly into massive wildfires. However, nearly 90% of fires are caused by humans in some way (ex: electricity power lines), and due to this fact, predicting wildfire tolls and acreage is very difficult. [8]

The January 2025 conditions in California resembled the conditions leading up to the 1980 South Australian bushfires: Late February 1980 saw a virtually rainless summer, parlayed with a very wet spring in 1979 prior to the drought conditions. Then 3 years later, February 16th, 1983 was an absolute disaster in South Australia — half a million acres or 2,080 kmburned, killing 75 people. [9]

Areas that need strategic preparation

Western Canada.

The interior Northwest and the northern Rockies face wildfire risk: Washington, Oregon, Idaho, Montana, Northern California and northern Nevada may confront exposures because fires are always reasonably expected in times like June or the first half of July. However, this “region’s peak of wildfire activity” is usually July into early September.” [10] Many of these areas likely already have scheduled “prescribed burns,” or intentional power outages, especially in conditions of severe drought and extreme weather like Australia can experience.

New Jersey forests.

The Florida Peninsula can experience brush fires in the spring with any drier-than-average conditions. [11]

Alaska has led the country in wildfire activity in past years, with nearly twice the amount of land in Delaware burned in 2022 from wildfires. However, a fire season is more defined on the impact to the public and not by the acreage burned, according to Pastelok. “There is no better example of this sentiment than the 2018 wildfire season when the Camp Fire raged in California. The blaze scorched 153,336 acres and burned the city of Paradise, California, to the ground, killing 85 people to become the deadliest wildfire in the U.S. in 100 years. It also destroyed more than 18,000 structures and forced 52,000 people from their homes.” [13]

References

Danielle, M. (2025, January 13). Death toll climbs to 24 and thousands of structures destroyed in California wildfires. Palisades Fire in California rages out of control. https://www.accuweather.com/en/weather-news/palisades-fire-in-california-rages-out-of-control/1731028

Glenny, A. (2025, January 13). Intense Santa Ana winds to resume early this week around Los Angeles. https://www.accuweather.com/en/weather-forecasts/intense-santa-ana-winds-to-resume-early-this-week-around-los-angeles/1732922

[1-3]

Going Long With Paul and Joe

[2, 6-8]

Lada, B. (2023, April 12). AccuWeather’s 2023 US wildfire forecast. Retrieved from https://www.accuweather.com/en/weather-forecasts/accuweathers-2023-us-wildfire-forecast

[9]

“About Ash Wednesday”Country Fire Authority Victoria, Australia. Archived from the original on 23 March 2008.

Bureau of Meteorology“Climate Education: Ash Wednesday, February 1983”. Australian Government. Archived from the original on 8 August 2013. 

[10-11]

Term of the week: Fuel load. interfire.org. Retrieved from https://www.interfire.org/

What is a Nuclear Verdict? Employment Practices Loss Example

Edited August 9th, 2024 by Kyle Langan

Are employers held accountable for their wrongful acts? Upon litigation, businesses have frequently encountered juries that are sympathetic to plaintiffs, making them more susceptible to nuclear verdicts ($10 million or more) [1].

QUESTION: What could have prevented or reduced the severity of this nuclear verdict example?

Example: Microsoft’s unfair employment practices

Location: California

Wrongful acts: Lower monetary bonuses and unfavorable performance reviews resulted in cases of pregnancy, a disability, or other family and medical reasons spanning 2017-2020 [2]

Settlement: $14,425,000 [3]

The settlement also required Microsoft to implement a series of proactive measures to help minimize similar incidents going forward [4]

Covered acts on an EPL policy: Discrimination; Retaliation [5]

ANSWER: Compliance risk mitigation. To ensure compliance, workplace policies should be regularly assessed to maintain compliance with fair employment laws and any other applicable federal, state, and local regulations.

i.e. Compliance with: The Family Leave and Medical Act (FMLA), California Family Rights Act (CFRA) Title VII of the Civil Rights Act of 1964 (Title VII) and the Fair Employment Housing Act (FEHA), The Americans with Disabilities Act (ADA)

Mitigation goals:

  • Purchase Employment Practices Liability Insurance
  • Establishing an employee handbook that includes appropriate policies
  • Encouraging employees to report all instances of discrimination and retaliation
  • Taking all reports of discrimination and retaliation seriously by following documented investigation and response protocols
  • Educating managers and supervisors on what constitutes retaliation and making it clear that such behavior is prohibited
  • Documenting all complaints, evaluations and situations that result in an employee’s termination

Sample policy language: Philadelphia

DEFINITIONS
A. Employment Practice Act means any actual or alleged:
1. wrongful dismissal, discharge, or termination of employment;
2. breach of a written or oral employment contract or implied employment contract;
3. employment related misrepresentation;
4. wrongful failure to promote;
5. violation of employment discrimination laws (including harassment);
6. wrongful deprivation of a career opportunity;
7. employment related wrongful discipline;
8. negligent employee evaluation;
9. employment related invasion of privacy;
10. employment related defamation (including libel and slander);
11. sexual or workplace harassment of any kind;
12. constructive discharge of employment;
13. employment related Retaliation;
14. employment related humiliation;
15. wrongful demotion;
16. negligent reassignment;
17. violation of any federal, state, or local civil rights laws;

Solely with respect to any Claim brought by or on behalf of any Third Party, Employment Practice Act means any actual or alleged wrongful failure to employ, discrimination, sexual harassment or violation of such Third Party’s civil rights in relation to such wrongful failure to employ, discrimination or sexual harassment, whether direct, indirect, or unintentional, committed by an Individual Insured in his/her capacity as an Individual Insured or by the Private Company.

References

[1] — [5]

Civil Rights Department, State of California (n.d.). Civil Rights Department reaches $14.4 million settlement with Microsoft over alleged parental and disability leave discrimination. CRD. https://calcivilrights.ca.gov/2024/07/03/civil-rights-department-reaches-14-4-million-settlement-with-microsoft-over-alleged-parental-and-disability-leave-discrimination/

 

Risk Insight: Reduce Your Exposures During Work Events

Throughout the year your company might hold different events for various reasons. In the Winter  Companies big and small host Holiday parties for their hard-working employees. These guidelines will help make sure that your company and its employees have both a fun and safe holiday event.

At Conrey Insurance we want to ensure that you are covered in any instance, including during your work events. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself

The Importance of Cyber Insurance

When cyber attacks like data breaches and hacks occur, they can have devastating results. Organizations have to deal with countless headaches, like business disruptions, lost revenue and litigation. Cyber liability insurance is now an essential component of any business’s risk management program as it provides a number of unique benefits. Watch this video to learn more.

At Conrey Insurance we want to ensure that you are covered in any instance, including if you have cyber attack. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Cyber Criminals: Who They Are and What Motivates Them

Whether you process payments or store sensitive customer data, chances are cyber criminals have already placed a target on your organization. And while we often think cyber criminals are bunkered up in some basement, the truth is that attackers are much more sophisticated. This video examines the most common threats to a business, detailing the types of cyber criminals and what they’re after.

At Conrey Insurance we want to ensure that you know the dangers of cyber criminals. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Protecting Your Business From a Data Breach

Even the most secure organizations are at risk of a data breach. It can often take days or even months for a company to discover its data has been compromised. And, when it comes to preventing or responding to a data breach, having a plan and security measures in place is crucial. This video examines some key data security strategies to ensure your organization is doing all it can to protect itself from cyber criminals.

At Conrey Insurance we want to ensure that you know the risks of a data breach. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Professional Liability Insurance

Protect yourself and your business from claims not covered by commercial general liability coverage. If you provide expert advice or services you should consider professional liability insurance. Professionals who are architects, home inspectors, lawyers, physicians, real estate brokers and accountants can benefit from this type of coverage. Read this coverage insight to learn more about what professional liability insurance covers and how it can help your company go above what general liability coverage does.

At Conrey Insurance we want to ensure that you have all the knowledge and help you need so your business is sufficiently covered. To speak with a member of the Conrey Team about professional liability insurance, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.