Patrick Wraight
Patrick leads the charge at Insurance Journal’s Academy of Insurance, where he brings together his deep industry know-how and love for teaching. He kicked off his insurance career as a commercial underwriter for an MGA, focusing on niche markets like fire departments, ambulance companies, and home medical equipment dealers. It didn't take long for him to discover his knack for educating others, and soon he was designing and rolling out a new underwriter training program.
He then took his talents to one of Florida’s largest property insurers, where he grew from an underwriter trainer to a learning consultant. In this role, Patrick enjoyed the challenge of developing custom training solutions and helping clients solve their unique learning puzzles.
Patrick has written numerous articles for Insurance Journal and My New Markets and is the co-author of Risk-Proof Your Business - The Complete Guide to Smart Insurance Choices. As a sought-after speaker, he’s shared his insights multiple times at In2Risk and at various insurance industry events nationwide. He is a collector of industry designations, including CPCU, ITP, CIC, CRM, CISR, AU, and AINS—an alphabet soup that highlights his dedication to lifelong learning.
When he's not immersed in the world of insurance, Patrick loves hitting the road with his bride, spending time with his family, and helping his adult sons navigate the rollercoaster ride of adulthood.
Commercial Property Master Class - Causes of Loss Forms, Exclusions
One of the first questions that must be addressed in the event of a property loss is what caused the loss?
After the cause of loss is determined, the next question is whether that cause of loss is a covered cause of loss.
In this session, we will dive into commercial property causes of loss forms to discover the difference between a covered cause of loss and an excluded cause of loss and find ways to change them.
Commercial Property Master Class - Additional Coverages, Coverage Extensions, and Optional Coverages
The ISO Commercial Property Policy includes coverages that are not the main coverages but are in some ways just as important as building and business personal property.
This session walks through those other important coverages, such as debris removal, outdoor property, and replacement cost valuation.
Commercial Property Master Class - Covered Property and Property not Covered
When the insured has a commercial property policy, one of the biggest question, is what is actually covered?
Is all of the property that they might own covered?
How do we know what is covered and what isn't?
Is there a way to change what property is covered and what isn't covered?
Commercial Property Master Class - Commercial Property Policies, Policy Structure
Which policy does an office building need?
Does a Condo Association policy need different policies if its a residential condo, or an office condo?
What about Business Income? Is that a different policy, or is it part of another policy?
Join us in the fourth session of our Commercial Property Master class as Academy Director, Patrick Wraight introduces us to the different commercial property policies available, when you might need them, and how they're put together.
Commercial Property Master Class - COPE - (Protection & Exposure)
Join us for the third session in our new Commercial Property Master Class, COPE (Protection & Exposure).
In this session, we will make an in-depth examination of the ways a commercial building can be protected from fire, both from internal building characteristics and external community characteristics.We will also discover why we care what buildings are nearby the insured building and what's going on in those nearby buildings.
Who is an Insured on the CGL and Why Do You Care?
Is the new employee that decided to take a swing at a customer an insured on the company's CGL policy?
Is there coverage if an employee takes action to protect property and injures someone in the process?
Join us as we explore who is an insured on a CGL policy.
Essential Insurance Terms and Concepts
Why is it called property and casualty insurance when you buy a property policy and a liability policy?
What is reinsurance?
What do you mean they had the wrong class code?
Audit? What is this? The IRS?
The insurance vocabulary is as full of gobbledegook as any other industry is. We believe that insurance professionals fall into two categories: the ones that think everyone understands them, and the others that pretend to understand their peers.
That's what this session is about. We plan to cover the most essential insurance terms and concepts that you will need to understand so that you can carry on conversations.
Commercial Property Master Class - COPE - (Occupancy)
Join us for the second session in our new Commercial Property Master Class, COPE (Occupancy).
In this session, we will make an in-depth examination of the occupancy of commercial buildings. We will look at some of the occupancy issues that can arise in dwellings and some of the mixed occupancy issues that arise in commercial buildings.
Commercial Property Master Class - COPE (Construction)
Join us for the first session in our new Commercial Property Master Class, COPE (Construction).
In this session, we will make an in-depth examination of the construction of commercial buildings. We will look at how the walls are constructed and at different roofing systems and how these go into classifying a building according to its resistance to fire and wind.
What Does the Customer Really Need?
The insurance industry is shifting quickly. Customers are turning to their mobile phones' app store to buy their insurance, rather than calling an agent. Join us as Patrick answers the question, what does the customer really need? In this session, we will look at ways that an agent can add value beyond just taking orders for insurance policies.