Happy Mother’s day from Skyscraper Insurance

Happy Mother’s Day to all you super moms out there!

This year you guys deserve a double shout out for handling this crisis like pros handling the kids and your spouses & some of you even grandkids every single day, your jobs didn’t change a bit just got bigger you are the real heroes and deserve a shout out applause.

A mother is not replaceable whoever has one hold on tight appreciate them.

While appreciation for any parent should be every day of the year, We still love to extra appreciate mom on this special day. We had no idea how hard (yet amazing) motherhood would be until we got there. So my love and respect for my own mom (and anyone out there who has ever raised a child) grows more and more every day.

Happy Mother’s Day to my very own amazing mom (shown with Ruby above) and to all of you mamas out there!

A Letter to Moms

I love that we set aside a whole day to honor and celebrate the women who raised us. My mom was an amazing mother who dedicated her life to her three daughters. She was selfless yet strong- and the most beautiful woman I know. Mother’s Day holds a special place in my own heart because of the little ones who made me a mom. I love waking up to their little feet bringing me the handmade gifts they’ve poured their hearts into making. These are the moments that remind me motherhood is a gift, and fostering these little people’s growth is my favorite job of all.

Every year as Mother’s Day gets close, I get a little nostalgic about my kids and how much celebrating them in the day-to-day means to me. So today I wanted to sit down and type up a little letter to all moms, encouraging you to fully appreciate the season you’re in, and also to share some of the challenges and triumphs I’ve experienced as a mom.
As a quick side note, when I started writing this post it was all about the joy of motherhood—but when I thought about all the strong moms around me, it didn’t take me long to realize the name “mom” isn’t easy to come by. These mothers have fought infertility, miscarriage or even the loss of a child. So whether you’re a mom right in the middle of raising your babies, or you find yourself in the throes of immense pain—this day is for all of us.

You are enough.

I think at times all moms get this insecure feeling of “I’m not doing enough.” As a working mom, it’s the hardest when my kids grab onto me as I’m walking out the door and say, “Mommy please stay home!” I don’t want to ignore that, so I always explain to them that being with them is my favorite thing in the world. I explain that I have to work just like they have to go to school. I also let them know what I’m doing at work that day—whether it’s filming the show or going into the office—and what time I’ll be home. Taking a few seconds to let them in on this other huge part of my life has really helped them understand that mom and dad have a big job to do.

I have had to find creative ways to connect with the kids during the day now that I work, to let them know I am always thinking of them. I’ll send them a little note in their lunchbox or surprise them and pick them up early from school for a fun date.

When I was staying home these same feelings of “not doing enough” would find their way into my mind. In that season I spent a lot of time focusing on balance. Nap time was when I got things done. Whether it was folding laundry, prepping dinner, writing my blog or doing design work—that was my time. It was important I kept myself creatively fed during those years, so I never let myself be filled with feelings of discontent. I hope if you’re in this season now you’ll take the time to allow yourself a few minutes a day to do what you love, too. I found it was the thing that kept me balanced and energized.

Taking the time.

The young stage my kids are in is the sweetest. Chip and I are their favorite people and they still stop what they’re doing to greet us at the door when we get home. I really want to savor this season for as long as I can. When I get home from work I try and leave my phone in the car and make that intentional effort to play and connect face to face with them. Even when I’m tired at the end of a long day, it’s fuel to see the look in their eyes when I ask them to cook with me or go play outside. As a mom, sometimes I have to change my mindset and remind myself what’s important. I only have so many hours a day to spend with these sweet, little people. And they won’t be little forever. So I get up and keep moving.

The littlest things.

The details have always mattered to me, especially when it comes to my kids. Whether I’m making cereal for breakfast or a big, fancy dinner, I want them to know that celebrating them in small ways in everyday life is a big deal to me. When Chip and I are traveling a lot, the first thing I want to do when I get home is cook. I want my kids to have the security that when momma’s home, there will be a good meal. At my birthday breakfast a couple weeks ago, Chip had the kids go around the table to say what they love most about Mom, and each one of their answers was that I cook for them. I’ve been cooking since they were born, and I’ve never heard them say anything like that. The fact that they notice and feel provided for in the kitchen was a sweet moment for me.

Motherhood can be difficult. It’s not an instant gratification thing all the time. When your kiddos are just babies and you’re changing diapers or listening to whining constantly, it can feel overwhelming. But I want to encourage you, because one day you’ll be sitting around a table for your birthday breakfast and you’ll realize that their little hearts are thankful for you. And they do notice things like mom’s homemade meals.

We hope you feel so loved and celebrated this Mother’s Day. And no matter what season you find yourself in, just know that you are doing enough, and you are loved and appreciated. Take a few moments today to look around and appreciate your children and the stage they’re in. I know for me, the thought of them growing up and moving off makes me want to burst into tears! So this Mother’s Day I plan to milk it for all it’s worth, and squeeze them just a little longer.

Life Insurance

Life Insurance Options

We do everything we can for our loved ones, not because we have to, but because we want to. Whether you’re looking for coverage for a specific period of time or lifelong protection, with the right Life Insurance coverage, you can be happy knowing that your loved ones will be able to live out their dreams, no matter what the future holds.

The Right Coverage for You
Skyscraper Insurance offers many different coverages, so you can find the guarantees, flexibility and cash value options to fit your needs. Compare premiums, advantages and disadvantages of term, whole, and universal life insurance policies to figure out what kind of Life Insurance is right for you.

Is Term Life Insurance Right for You?
Term life insurance provides affordable coverage to meet your temporary needs. Term life insurance may be the right fit for you if you are looking for:
Guaranteed coverage for a specific amount of time or to cover specific financial obligations
Affordability and level payments that are guaranteed not to change
A complement to an employer’s life insurance plan
A quick and convenient sales process for eligible customers
How It Works
You can select a coverage period of 10, 15, 20 or 30 years. You receive a guaranteed death benefit for the term you choose, and your payments are guaranteed to remain level for the length of the term. A variety of add-on benefits, also known as riders, allow you to tailor your coverage to meet your need

Specific Technologies Driving Insurtech Investment in 2024

Understanding the Funding Decline The decrease in funding does not necessarily spell trouble for the insurance sector but instead highlights a strategic shift, the report suggests. “The insurance industry, like many sectors, is focusing on the most promising ventures with substantial insurance potential,” the report explains. “Insurers are directing their investments toward key areas and current trends such as embedded insurance, employee benefits, and cyber risk management. This strategic investment approach signals a forward-looking mindset within the industry.” Three Key Insurtech Trends for 2024 The report identifies three major trends shaping insurtech investments in 2024: Public Insurtech Companies: Financial and Growth Strategies The report also notes that public insurtech companies are prioritizing revenue growth as their main goal. These firms are restructuring their financial strategies to boost cash flow and capitalize on rising revenue streams. Their growth prospects are supported by expanding asset portfolios and strong market demand. “Public insurtech companies are focusing on revenue growth and optimizing their financial frameworks to increase cash flow,” the report states. “The growth potential for these companies is driven by increasing revenue opportunities, broadening asset bases, and a robust market for their services.” In summary, while global insurtech funding saw a decline in 2023, the industry’s focus on GenAI, digital process management, and connected insurance technologies is setting the stage for a dynamic and forward-looking 2024.

Business

Insurer Secures Unanimous Supreme Court Victory in New York Choice of Law Dispute

In the world of sports, a clean sweep, a shutout, or a perfect game is the ultimate achievement. In the legal arena, a unanimous decision from the U.S. Supreme Court is equally rare and significant. In a notable legal triumph, Great Lakes Insurance SE achieved a unanimous 9-0 victory in the Supreme Court on February 21, 2024. This victory follows a protracted legal battle that began in the District Court of Pennsylvania, advanced to the U.S. Court of Appeals for the Third Circuit, and culminated in the Supreme Court’s decisive ruling. Background of the Case: Great Lakes Insurance SE v. Raiders Retreat Realty Company The heart of the dispute was the insurance contract’s clause selecting New York law to govern any future legal conflicts. Although the financial implications of this case were relatively minor compared to the broader marine insurance industry, the insurer’s determination to uphold a crucial maritime legal principle has significant long-term implications for marine insurance. Faced with the insured’s counterclaims—including allegations of breach of fiduciary duty, insurance bad faith, and violations of Pennsylvania’s Unfair Trade Practices Law—the insurer was confronted with serious risks. Such claims could lead to the shifting of attorney’s fees, treble damages, and more, which might normally encourage insurers to settle rather than risk pursuing justice. However, Great Lakes Insurance, supported by The Goldman Maritime Law Group, opted to challenge the Third Circuit’s decision and seek clarity from the Supreme Court. Supreme Court Ruling: A Landmark Decision In a landmark ruling, Justice Brett Kavanaugh affirmed that choice of law provisions in maritime contracts should be upheld by default. This ruling is a major victory for establishing a consistent federal standard in maritime law and avoiding a patchwork of state laws that could complicate marine insurance disputes. The Supreme Court’s decision overturned the Third Circuit’s earlier judgment, which had questioned whether Pennsylvania’s public policy concerns might override the insurance contract’s choice of New York law. By upholding the New York choice of law clause, the Supreme Court eliminated the extra-contractual bad faith claims under Pennsylvania law, thereby ensuring that the dispute could be resolved based on the merits of the insurance claim itself. Significance of the Supreme Court’s Decision This ruling represents a significant advancement in maritime law, affirming that choice of law clauses in maritime contracts are generally enforceable. The decision establishes a clear, uniform legal framework for resolving maritime contract disputes, which will streamline the process and ensure fair adjudication of future insurance claims. Justice Clarence Thomas’s concurring opinion was particularly notable for its criticism of the 1955 Wilburn Boat v. Fireman’s Fund Insurance decision, which had previously influenced maritime insurance law. Thomas argued that Wilburn Boat was incorrectly decided and stressed that a uniform and enforceable set of rules is essential for the development of maritime law. Impact on the Marine Insurance Industry The Supreme Court’s decision sets a “bright-line” rule affirming that choice of law clauses are valid unless there is a strong argument against the selected jurisdiction. By endorsing New York’s insurance laws as a reasonable choice, the ruling supports a more consistent and predictable legal environment for marine insurers. This decision represents a major step forward in maritime law, helping insurers better assess risks, determine premiums, and ensure fair and efficient resolution of maritime insurance disputes.

Happy Mother’s day from Skyscraper Insurance