Expert Commentary

Latest Articles

Tech

Protecting Healthcare, Pharmaceutical, and Bioscience Facilities from Water Damage

Bret Bush | August 21, 2026

These buildings operate under requirements that extend well beyond traditional commercial construction. Bret Bush explains how proactive monitoring will become more than a competitive advantage.

Additional Insured Issues

How to Prove the Duty to Defend

Julian Ehrlich | August 21, 2026

Julian Ehrlich reviews the standards of proof required to establish the duty to defend under additional insured coverage and contractual indemnity.

Agricultural Insurance

Modern Electrical Safety for Aging Agricultural Facilities

Ryan Lay | August 21, 2026

The National Fire Protection Agency regularly updates its standards. Ryan Lay says staying up to date on best practices and implementing upgrades where feasible is key.

Risk Management

Ordinance and Law Coverage: Why Documentation, Not Policy Language, Decides Most Disputes

Joshua Belanger | August 21, 2026

Joshua Belanger explains that claims do not center on whether coverage exists but instead on how the claim was documented once the local building department became involved.

Risk Management Technology

The Hidden Cost of a Cheap Renewal for Builders Risk: An Underwriter's View

Michael Reich | August 21, 2026

Premiums rise and fall with the insurance market, but risk does not. Michael Reich examines how lower premiums create the illusion that risk has become less expensive to bear.

Risk Management

Why MAIC Matters: Improving Insurance Coverage Through Collaboration

August 14, 2026

The Mid-America Insurance Conference (MAIC) remains one of the industry's most valuable working laboratories for coverage improvement. Learn more about the conference.

Cyber and Privacy Risk and Insurance

New York Responsible AI Safety and Education Act: Reporting, Exceptions, and Enforcement

Melissa Krasnow | August 14, 2026

Melissa Krasnow relates the critical safety incident reporting, exceptions, and New York attorney general enforcement of the New York Responsible Artificial Intelligence (AI) Safety and Education Act.

Cyber and Privacy Risk and Insurance

New York Responsible AI Safety and Education Act: Scope, Definitions, Transparency, and Disclosure

Melissa Krasnow | August 14, 2026

Melissa Krasnow discusses the New York Responsible Artificial Intelligence (AI) Safety and Education Act, which takes effect on January 1, 2027.

Risk Management

Why Most Corrective Action Plans Fail

Michelle Perry | August 14, 2026

Federally regulated industries have laid out some guidelines or semblance of Corrective Action Plan frameworks, but Michelle Perry believes they often fall short and shows how and why to handle them.