Monthly Archives: December 2025

A New Year’s Resolution Every Lawyer Should Actually Keep: Review Your Insurance

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As the year winds down, it’s easy to get caught up in the Christmas decorations, the festive atmosphere, and the excitement of the season. Before you know it, New Year’s Eve is right around the corner—and with it comes the familiar list of New Year’s resolutions.

You know the ones:

  • Get healthier
  • Lose weight
  • Be more productive
  • Finally stick to a routine

All of those are great goals, and I truly hope you stick to them. But this year, I want to suggest one resolution that isn’t flashy, isn’t fun, and definitely won’t make your highlight reel—but it could save your career.

Make 2026 the year you review your insurance coverage.

Yes, it’s boring.
Yes, it sounds dull.
And yes, it might even feel a little ridiculous to say, “My New Year’s resolution is to review my insurance.”

But it’s also one of the most important things you can do.

Why Reviewing Your Insurance Matters

Far too many professionals—especially attorneys—set up their insurance policies and then forget about them. Years go by, the practice changes, the risk profile evolves, and the coverage quietly stays the same.

That’s how people end up discovering gaps in coverage at the worst possible time: when a claim occurs.

Insurance is something you want to understand before you need it—not after.

Don’t Just Review One Policy—Review Them All

When you sit down to review your coverage in early 2026, look at all of your policies. That said, I do want to strongly emphasize one in particular:

Your lawyer’s professional liability policy.

Here are a few critical questions to ask yourself as you review it:

Are You Retiring Soon?

Is 2026 the year you’re planning to retire?

If so, you need to understand how your policy handles retirement and tail coverage:

  • Do you qualify for a free retirement tail?
  • What are the specific requirements to receive it?
  • Does your current policy even offer a free retirement tail?
  • Are there steps you need to take before retiring to remain eligible?

Assuming you’re covered without confirming these details can be a costly mistake.

Is Your Practice Expanding?

If retirement isn’t on the horizon, maybe growth is.

Ask yourself:

  • Are you planning to add new attorneys?
  • Are you expanding into new practice areas?
  • Has your caseload or exposure increased?

If so, your current limits may no longer be sufficient. You may need to:

  • Increase your policy limits
  • Reevaluate your deductible
  • Adjust coverage to match your expanded risk

Growth is exciting—but it also brings additional exposure that your insurance should reflect.

A Small Time Investment With Big Payoff

Reviewing your insurance doesn’t take long, but it can prevent serious problems down the road. It’s one of those tasks that’s easy to postpone—until suddenly, it’s too late.

So enjoy the holidays.
Have a safe and happy New Year’s Eve. 🎉

Then, sometime in that first week of January, do yourself a favor: take an hour and review your policies.

It’s not the most exciting resolution—but it just might be the smartest one you make for 2026.

Happy Holidays and Happy New Year.

Protect Your Business From Today’s Cyber Threats — Before It’s Too Late

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In today’s digital world, cyber threats aren’t just targeting the big corporations you see on the news. They’re hitting small businesses every single day — law firms, chiropractors, retailers, accountants, nonprofits, and anyone who handles sensitive information.

And here’s the scary part:

It only takes one wrong click.
One outdated system.
One overlooked vulnerability.

And suddenly… it’s game over.

But not today.

That’s exactly why I wrote Game Over? Not Today! Power-Ups for Cyber Liability and Security — a practical, no-fluff guide built to give business owners the tools they need to stay protected in a world where cyber threats evolve faster than ever.

Below are four of the biggest “power-ups” from the book — the ones that can make or break your protection.

Power-Up #1: Your Employees

Your team can be your strongest defense… or your biggest vulnerability.

Most cyber incidents don’t start with sophisticated hackers breaking into a network. They start with everyday mistakes — clicking a suspicious link, opening a bad attachment, or ignoring a warning sign.

In the book, I walk you through simple, repeatable habits your employees can build to:

  • Spot phishing emails
  • Identify strange links
  • Recognize suspicious account activity
  • Report problems before they escalate

This is the kind of daily awareness that saves businesses from major losses.

Power-Up #2: Review Your Cyber Insurance Regularly

Most business owners purchase a cyber liability policy…
and then never look at it again.

But threats change.
Your business changes.
Your technology changes.

And if your coverage doesn’t keep up, you may not be protected the way you think you are.

A quick annual review can help you:

  • Close dangerous gaps
  • Update limits based on growth
  • Make sure exclusions aren’t leaving you exposed
  • Align your coverage with your current risk level

It’s one of the simplest and most impactful steps you can take.

Power-Up #3: Partner With the Right Cybersecurity Experts

You don’t have to go it alone.

The right cybersecurity partner gives you:

  • Better tools
  • Stronger defenses
  • Real-time monitoring
  • Faster responses
  • And in many cases… better insurance terms

Not all cybersecurity providers are equal, so inside the book, I break down exactly what to look for — and what to avoid — so you get real value instead of empty promises.

Power-Up #4: Have a Clear, Practical Plan in Place

Every business needs a clear set of cybersecurity fundamentals, including:

  • An incident response plan
  • A documented process for who does what in a cyber event
  • A genuine understanding of what your policy actually covers
  • A checklist to make sure nothing slips through the cracks

No jargon. No overwhelm. Just practical steps that keep your business confident and prepared.

Ready to Protect Your Business?

If you want the peace of mind that comes from knowing your business is prepared, protected, and ready for whatever comes your way, now’s the time to take action.

📘 Download Game Over? Not Today! Power-Ups for Cyber Liability and Security and get the tools you need to stay ahead of evolving threats.