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Home Articles Expert Commentary

Expert Commentary

Latest Articles

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.

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.

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.

Commercial Property

Legal Liability Coverage Form—An Often-Overlooked Form

Catherine L Trischan | November 13, 2025

Care must be taken to recognize the exposures of insureds who have property of others for which they could be held legally liable. Catherine Trischan examines the options.

Leadership at All Levels

AI's Role in Measuring Field Leadership Development

Tricia Kagerer | November 7, 2025

The integration of artificial intelligence (AI) and field insights provides new ways to observe and connect with people, elevating performance. Tricia Kagerer explains.

Agricultural Insurance

Got Milk? Raw or Pasteurized?

Casey Roberts | October 31, 2025

Casey Roberts discusses the debate, points out the risks surrounding raw milk, and provides possible insurance implications.

Subcontractor Performance Risk

Construction Tech Selection Strategy

Cheri Hanes | October 31, 2025

To achieve meaningful results, Cheri Hanes advises first looking at why you think you need a tech solution before jumping in blindly to a program that may not solve your problem.