Gerardo Farpon

In today’s world, inflation isn’t just changing the cost of living—it’s redefining the cost of rebuilding. Imagine watching your home, your safe haven, being rebuilt, only to find out your insurance won’t cover the skyrocketing costs. Now, that’s a devastating realization no homeowner wants to face. Inflation pushes construction expenses to new heights, impacting key […]

Ever thought about how much you actually drive versus how much you pay for car insurance? It’s a question we’ve all pondered, especially as more transparent options are emerging. In recent years, telematics and usage-based insurance (UBI) systems are transforming how premiums are calculated. Imagine getting rewarded for your safe driving habits—not a bad deal,

What if you could pay for auto insurance only as much as you drive? Welcome to 2026, where Usage-Based Insurance (UBI) is not just changing the game—it’s rewriting the rules. Imagine receiving personalized premiums that recognize you as a diligent driver. This isn’t just an idea anymore; it’s a booming reality, with 45% of insurance

In the ever-evolving landscape of insurance, one question remains timeless: Can bundling still save you money? Yes, even in 2026, bundling car, home, and other insurance policies can be a smart financial move. But, as with any good strategy, context is key. Reflect on this: According to a 2023 study, 42% of policyholders explored bundled

Imagine having your car fixed and back on the road in under 24 hours after an accident. Sounds like a dream, right? This is the reality AI is creating in the world of insurance claims processing. By 2026, a staggering 70% of major insurers will incorporate AI into their claims workflows—transforming the landscape as we

Usage-Based Insurance (UBI) is transforming the insurance landscape—are you ready to embrace it? Imagine paying insurance premiums based solely on how you drive, not just where you live or your age group. That’s the core of UBI, and it’s revolutionizing how insurers assess risk and reward drivers. Yet, change always comes with its hurdles. While

The connection between climate change and rising insurance premiums is now unmistakable and unavoidable. Each year, we’re witnessing how catastrophic (CAT) events reshape the foundation of homeowners insurance. The implications for homeowners across the nation, particularly in high-risk states like California and Florida, are profound: – Finding affordable coverage is becoming increasingly difficult as premiums

If you believe cyber threats are only a problem for big corporations, think again. In today’s digital landscape, small businesses are not just on the radar—they’re at the front lines for cybercriminals. The striking reality is that the average cost of a data breach hit $4.45 million globally, according to IBM’s 2023 Cost of a

The COVID-19 pandemic was a wake-up call about the vulnerabilities hiding in the corners of our business plans. One of the most revealing? Business interruption insurance gaps. Picture a thriving business suddenly halted, supply chains paralyzed, uncertainty hanging thick in the air. Many companies found themselves wondering, “Are we truly protected?” Now, in today’s volatile

Picture this: a small business owner, Jane, who’s poured her heart into building a local boutique. Everything’s running smoothly—until the dreaded middle-of-the-night alert indicating a cyber breach. Panic sets in as she realizes that critical customer data has been compromised and the potential fallout could be catastrophic. In today’s digital age, this is not just