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Home Articles Expert Commentary

Expert Commentary

Latest Articles

Risk Management

From Audit Scores to Proxy Indicators: Understanding Safety Metrics That Matter

Justin Morrow | December 19, 2025

Indicators are needed that track what people are doing today to know if the system will perform tomorrow. Justin Morrow explains.

Reinsurance

Special Termination Provisions in Reinsurance Contracts

Larry Schiffer | December 19, 2025

Larry Schiffer explores the special termination clause, its purpose, and how it has evolved.

Additional Insured Issues

The Additional Insured Labyrinth: Pleadings and the Duty to Defend

Julian Ehrlich | December 19, 2025

Confusion about additional insured coverage has driven a growing body of national coverage case law. Julian Ehrlich examines these issues.

Tech

Negotiating MSAs, What to Look and Look Out For

Damon Ranieri | December 12, 2025

The Innovators' Circle takes a deep dive into master service agreements (MSAs), discussing various pricing models and offering some of its best takeaways.

Leadership at All Levels

Rewriting the Rules of Risk: Why Standing Still Is the Most Dangerous Move

Rose Hall | December 12, 2025

Rose Hall explains how "risk" is a necessary component of growth. This means changing the traditional mindset of the insurance industry itself.

Risk Management

Death by a Thousand Claims: Why Small Losses Can Cause Bankruptcy

Michael Reich | December 12, 2025

Michael Reich explains that good risk management goes beyond catastrophic and safety exposures to address smaller, higher-frequency loss events.

Construction

Construction Risk Management Innovation: Harnessing Parametric Weather Insurance for a Volatile Climate

Rose Hall | November 24, 2025

Parametric weather insurance is a crucial financial tool that can transform how the industry protects its people, projects, and bottom line. Rose Hall explains.

Tech

Water Damage Prevention Focus: Student Housing

Bret Bush | November 21, 2025

Bret Bush looks at these unique risks and how proactive water damage prevention technology is helping protect student housing during construction, renovation, and occupancy.

Catastrophe Risk Management

Risk Scoring and Mapping Are Reshaping Property Insurance

John E Putnam | November 21, 2025

John Putnam takes a deeper look at past personal property insurance underwriting practices and evolving rating tools from an insurance agent's perspective.

Valuation of Insurance Organizations

Reinsurance and Catastrophe Bond Trends

Todd Fries | November 19, 2025

Despite record losses and claims, changes to risk management and strong capital positions have led to improved financial and valuation metrics within the property and casualty insurance and reinsurance industry. Todd Fries examines the data.