Market Insights

Community Associations, Market Insights, Risk Insight

Market Changes for Directors and Officers Coverage

When major conglomerate Pacific Gas and Electric filed bankruptcy (after fielding claims of negligence after the California wildfires this past fall), D&O coverage was caught in the spotlight. Claims against directors and officers are on the rise nationwide, and analysts are questioning how far the market for D&O coverage will harden.

Distinguished’s Kyle Hyla, program underwriter for community associations, recently spoke with Rough Notes about D&O market trends. There are a variety of ever-changing factors that can impact coverage, and in this compelling article, factors like climate change, cyber security, and limited coverage for selected exposures are examined using current examples that illustrate the complexities of this important market. Visit Rough Notes to explore and share this valuable information.


Kyle Hyla Program Manager

Kyle Hyla

D&O and Crime Program Manager

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hotel security
In the Press, Hospitality & Restaurants, Market Insights, Risk Insight

Hotel Security Improved Since Vegas

Hotel security protocol has upped the ante in the nearly year and a half since the Mandalay Bay mass shooting in Las Vegas, which claimed the lives of 58 concertgoers at a nearby musical festival. Brooks Chase, president of Distinguished Specialty, was featured in Resort Trades, where he spoke to the changing landscape of the hospitality industry in the wake of violent events.

The terrible example from Las Vegas, which resulted in 2,500 lawsuits filed against MGM (which owns Mandalay Bay) and an additional 1,000 lawsuits filed by MGM against the victims, contesting the hotel’s liability, exemplifies how devastating a single act of violence can be. Chase reviews how this event changed hotel security plans and details best practices for staff and guest safety. He also offers additional tips that hotels can implement right away. To review and share these new guidelines for hotels, please visit Resort Trade.

Brooks Chase, president of Distinguished Specialty

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Construction insurance
Historic Properties, Real Estate, Market Insights, Risk Insight

Construction Insurance in Today’s Growing Market

If you build it, they will come—but don’t forget about adequate liability coverage for new construction! As the construction sector keeps pace with the general real estate market, Distinguished’s senior vice president and program executive, Michael Thabet, weighs in on currents facets of the construction industry and what that means for today’s carriers and insureds. Thabet discusses the importance of having the right type of coverage for different building projects and how newly emerging claims are changing the landscape of this sector. Dive right in and share this Rough Notes article.


Mike Thabet – Senior vice president and program executive


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On-Demand Insurance For Drones
Market Insights

Drones and the Insurance Industry: Changing the Way We Do Business

Drones are changing the face of the insurance industry one small airborne device at a time. Now multiply that by a few million. Ever since the FAA eased regulations on the commercial use of drones in 2016, there has been a huge uptick in drone usage, especially by insurers. There could be as many as 7 million drones flying in the US skies by 2020, with 2.5 million of those being commercially operated.

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Market Insights, Distinguished Life

Distinguished Scores a Hole in One!

Distinguished has made an acquisition that should interest both golfers and brokers alike! In this press release published Dec. 4, 2017, we announce our exciting news about acquiring the international leader in golf promo prizes, American Hole ‘n One (AHNO).

“This is a marriage of equals, and we are excited about the future,” notes Mark Kissick, AHNO’s new president. With this acquisition, Distinguished will build on AHNO’s successful history and focus on major business growth. Check out more info about this new venture at Distinguished, and please contact us with any questions.


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House of Representatives vote for NFIP
Market Insights

Flood Commissions on the Chopping Block

Floods are the most common natural disaster in the U.S. and also the most costly, according to FEMA. The House of Representatives is voting this week to reauthorize the National Flood Insurance Program (NFIP), which expires Dec. 8. BUT we urge you to tell your representative to VOTE NO on this bill, which would slash the “Write Your Own” reimbursement rate, thus cutting agents’ commissions. Take action here.

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restaurant technology
Hospitality & Restaurants, Market Insights

Move Over Martinis, the Three-Click Lunch is Here

Mobile apps, online ordering, and automated kiosks—what’s a restaurant’s best bet for adding tech? More and more eateries in the hospitality industry are paving the way for an automated future—one where sales increase, costs go down, and customers are happier to skip a line and some in-person wait time.

New restaurant technology is becoming a standard, and a digital lunchtime of ordering and paying before picking up your food is becoming the norm. A restaurant with a mobile app benefits with: enticing photos of food for customers to peruse, click-to-call buttons for customers who use the app to get ahold of the restaurant, and easy access to leaving reviews on important sites. Not to mention access to the entire menu, specials, and discounts or loyalty rewards.

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Hospitality & Restaurants, Market Insights

What Hotels Can Learn from the Success of Airbnb


Imagine you’re making vacation plans to explore a new city or country. Picture a comfy bed, a suggested guide to the city left on the bedside table, an eat-in-kitchen and a bathtub to soak in…Did you picture a hotel room or someone’s empty apartment? The hospitality industry is continuing to consider consumer preferences as Airbnb approaches its 10-year anniversary in 2018.

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Real Estate, Market Insights

Crowdfunding: Giving Individuals A Piece of the Real Estate Action

Crowdfunding is turning the real estate investment sector on its head: It allows a group of investors to pool their money together to fund real estate transactions. On-line platforms connect individuals to commercial real estate investments across the United States, making it easier for them and real estate companies to raise capital as compared to traditional channels.

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Work from home
Market Insights

Workin’ the “Work-at-Home” Jam

Work it, baby! Millennials are moving up in industry, baby boomers are set to retire, and the number of companies that facilitate work-from-home jobs is on the up and up. In fact, it’s been growing for decade.

Ten years ago, according to the Bureau of Labor Statistics, 19% of the workforce did so from the comfort of their home office. Cue the footy pajamas. Now that figure is closer to a quarter of the workforce in the US and rising.

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Travel Ban
Hospitality & Restaurants, Market Insights

How Tourism May Be Affected by the Travel Ban, Extreme Vetting, and Stronger Dollar

A confluence of events could have a real impact on tourism and the hospitality industry in the United States. There is the proposed travel ban of six countries by the Trump Administration, consideration of extreme vetting of foreigners entering the U.S. by the government, and a strong dollar that may dampen the spirits of visitors coming to our shores for sightseeing, some fun in the sun and great shopping.

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robot hotels
Hospitality & Restaurants, Market Insights

Robot-Hotels in Your Future?

Could robot hotels be in our future? In Nagasaki, Japan, the future arrived last year and is planning to clone itself exponentially.

The Henn na Hotel, staffed by 140 robots (and a half dozen “flesh and bloods” like you and me), takes care of guests’ needs from check in to check out via robotic assistance.

Maybe you’ve done self-check-in on your laptop at a Marriott or even used your smartphone to open your room door at a Hilton. In several California hotels, robot butlers have been working the hallways to deliver extra towels and amenities. But the Henn na Hotel is taking tech to a whole new level.

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