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Home Articles Expert Commentary

Expert Commentary

Latest Articles

Design and Professional Liability

Real Estate Agents' Floor Plan Replication Ruled Fair Use

Kenneth Slavens | January 9, 2026

Ken Slavens relates a case where the Eighth Circuit Court of Appeals held real estate agents did not infringe on a designer's copyright by using floor plans in marketing homes for sale.

Employment Practices

Prevention Data Is Reshaping EPL Risk Management

Justin Velten | January 7, 2026

Dr. Justin Velten discusses the early signals, reactive models, and development of a preventive mindset in employment practices liability (EPL) risk management and what this means for the insurance industry.

Construction Safety

Focus on the Next Generation of Construction Professionals

TJ Lyons | January 2, 2026

An often-overlooked part of a safety professional's job is molding their replacement. TJ Lyons looks at the process and benefits.

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.

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.

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.

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.