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I know I do not parent with the same style my parents used. In fact, ‘parenting style’ wasn’t even in the dictionary back in their day. Yet Teri and I, for all of the agonizing we do over our kids and the decisions they make (or the decisions we would like them to make), I don’t think our outcomes will be much different. They produced 6, we have 2 – and they are all awesome people.

Our youngest, Sam, is a sophomore in high school and figuring out how he thinks is baffling at the best of times. As with most kids, his social comfort zone is pretty limited – in fact I’d say it is limited to a group of 1. So, when an opportunity came along for Sam to go on a ski trip to Gore Mountain with the youth group it was touch and go (or not go) for a while. Here are a few of the points that made it to our pros & cons list: Sam loves to ski and is really very good; group activities are not Sam’s thing; Sam gets to miss 2 days of school; Mom and Dad get 3 kid-free days.

Eventually Teri played her ‘Mom card’ and simply told Sam he was going. After that, everything was great and off he went. When Teri told me how she resolved the matter, I got to thinking, why isn’t there a ‘Dad card’? Teri was quick to set me straight on that score – “You’d pull it out every time you wanted something and mess up the whole balance of power.” I guess she’s right, but at least we got our adults-only weekend which I am more than grateful for!

If I had a ‘boss card’ I’d play that baby all day long – mostly to help my staff get what they need to turn your submissions around and get quotes in your hands. The truth is, as advanced as this industry has become, it seems like underwriting has gotten more complicated (and if I had to compare it to when I was working a desk, I’m practically a caveman!). In my perfect world, every submission would be a writable quote! We are happy for the opportunities we are seeing and we are doing our best to find homes in the brokerage marketplace for all of the business you are sending our way.

We are definitely seeing a steady rise in homeowner and dwelling submissions. Most of the time we are looking at accounts with a loss history, that have an exposure that kicks it out of the standard market, or for one reason or another has been uninsured for a time. We are also quoting more high-value accounts, and are thrilled to have additional capacity for writing this business – everything from the high-end home to a schedule of collector cars or primary or excess personal umbrellas with limits as high as $100M. On the commercial side of the house, habitational business is also growing. Think of us for your apartment buildings, student housing and senior housing needs.

Whether it is personal lines or commercial, next time you have an account your markets have declined to write, give Tuscano a call. We are happy to share with you what we need to write the business and what you can expect from us. With all of the great opportunities out there, Tuscano wants to make sure we make your experience exceptional and that you’ll keep coming back!

Stay warm!