Expert Commentary

Latest Articles

Businessowners Policies (BOP)

Major Changes to the 2025 ISO Businessowners Program

Edgar Martinez | August 29, 2025

The Insurance Services Office, Inc. (ISO), businessowners program has undergone significant changes, including a revised coverage form, new and updated endorsements, and changes to business classifications.

Catastrophe Risk Management

Wildfire Has Evolved from Natural Hazard to Systemic Threat

John E Putnam | August 29, 2025

John Putnam looks at the wildfire peril that confronts us and discusses the many causal factors that make easy solutions difficult.

Cyber and Privacy Risk and Insurance

Breaking Coverage Case—Cyber Coverage—Don't Leave Home Without It

Jes Alexander | August 15, 2025

An Illinois appellate court ruled that a construction management firm's professional liability policy did not cover losses from a cyber incident due to a cyber-event exclusion. This case highlights the importance of having specific cyber insurance.

Tech

Beyond Data Lakehouses: Delivering the Last Mile of Trusted, Transient Data for Insurers

Paul Moxon | August 15, 2025

Paul Moxon explains why logical data management might be the key.

Design and Professional Liability

Rely on Privity at Your Peril

Kenneth Slavens | August 1, 2025

The traditional protection from liability for negligent performance of contractual obligations in the absence of privity is eroding. Ken Slavens discusses a related case.

Leadership at All Levels

Surveillance or Synergy: Which Is Responsible for Operational Outcomes?

Tricia Kagerer, Justin Morrow | August 1, 2025

There is a difference between checking a box and changing a behavior. Tricia Kagerer explores the issues.

Courts and Coverage

Texas Supreme Court Gets It Right: Trucker Was Not the Proximate Cause of the Accident

Doug Marcello | July 25, 2025

Doug Marcello relates a case where the trucker was (finally) determined not to be the proximate cause of an accident.

Liability Insurance

Landlord as an Insured

Craig Stanovich | July 22, 2025

For coverage to apply to the landlord on the tenant's commercial general liability policy, Craig Stanovich advises looking beyond the enforceability of the lease to whether a landlord-tenant relationship has been created.

Courts and Coverage

Breaking Coverage Case—"Additional Named Insured" Not Enough for Owner Under Builders Risk Policy

Jes Alexander | July 16, 2025

The Eighth Circuit Court of Appeals affirmed summary judgment for Travelers, holding that a property owner could not recover for lost rental income or soft costs under a builders risk policy because it was only an "additional named insured" and not the "named insured" under the policy. The court held that the policy limited coverage for such losses to the "named insured" only.