Expert Commentary

Latest Articles

Political Risk

Climate Change and the Insurance Crisis

2024-04-03 | Daniel Wagner

As the occurrence of natural disasters continues to escalate, US insurers are responding by refusing to write coverage for them. Daniel Wagner looks at the problem and possible responses.

Design and Professional Liability

Optimizing Professional Protective Indemnity Coverage

2024-04-02 | Jeff Slivka

Protective indemnity coverage can be simply explained. But to truly understand this coverage part, you need to understand the details, per Jeff Slivka.

Political Risk

Achieving Enlightened Decision-Making in the Polycrisis Era

2024-04-01 | Daniel Wagner

Daniel Wagner explains the polycrisis era and how it will be a time of tremendous difficulty and change—but also an opportunity—for risk managers.

Construction Safety

Eliminate the Practice, Eliminate the Claim

2024-03-29 | TJ Lyons

TJ Lyons recommends changes in construction practices that will prevent injuries, claims, and litigation.

Claims Practices

Pollution Exclusion Deters Corporations from Polluting

2024-03-29 | Barry Zalma

Barry Zalma relates a case where the insureds' dumping toxins into the city's sewer system clearly fell within the policy's pollution exclusion.

Cyber and Privacy Risk and Insurance

NIST Cybersecurity Framework 2.0 and Risk Management

2024-03-21 | Mark Lanterman

Organizations need to stay ever vigilant against cyber risks. Mark Lanterman examines this resource aimed at helping protect critical infrastructure.

Businessowners Policies BOP

What Is a Micro-Business and How Can You Insure It with a Micro-BOP?

2024-03-08 | Edgar Martinez

Micro-businesses often do not have adequate insurance for their needs. In this Expert Commentary by Edgar Martinez, IRMI provides helpful information on micro-businessowners policies (micro-BOPs).

Agricultural Insurance

Precision Agriculture: Understanding and Insuring

2024-03-07 | Casey Roberts

An all-encompassing term for multiple approaches to operating a farm or agricultural enterprise, Casey Roberts explains the ins and outs, as well as the pros and cons.