As you are aware, the economic downturn in recent years has led to wide stock market fluctuations. In addition, new laws and regulations that govern the financial industry have become more complex making the right financial insurance more important than ever for your firm.

Now more than ever, your insurance carrier's financial rating should be a primary concern before purchasing any type of insurance. Of course, coverage, terms and premiums must be evaluated but if your insurance carrier is out of business when it's time to pay a claim, then these factors are of no consequence.