Professional Insurance Experts

Edita AbrudeanuEdita Abrudeanu
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Making insurance sound almost interesting - Solutions for Architects, Engineers, Lawyers and More (Hundreds of Businesses Served)Making insurance sound almost interesting - Solutions for Architects, Engineers, Lawyers and More (Hundreds of Businesses Served)
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The Insurance Version of “Pastiche”

I just read an article by Ryan Hanley about dead content—and he used a term I’d honestly never heard before: pastiche.

In cultural theory, pastiche means copying a style without understanding why it existed in the first place.

In professional liability, it looks like this:

• Same limits as last year
• Same carrier their colleague uses
• Comparing quotes without reading supplemental payments
• Assuming defense, regulatory, and pre-claim coverage are “basically the same”
• Treating E&O like a commodity instead of a legal defense strategy

The result?

Coverage that technically exists.
Everything looks fine—until it isn’t.

And apparently, there’s a name for this problem.

It’s imitation without understanding.

💥 Wage & Hour Lawsuits Are Exploding — and Most Companies Aren’t Ready

New overtime rules. Minimum wage hikes. Contractor misclassification.
Every update to labor law = another way to get sued.

👉 Missed breaks
👉 Off-the-clock work
👉 Misclassified 1099s

The payouts? Millions.
And even a small claim can spiral fast once class actions kick in.

That’s why Wage & Hour coverage isn’t a luxury — it’s risk management 101.
Because compliance slips happen… but panic shouldn’t be one of them.