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Liability Insurance

CGL—Fire Legal

Craig Stanovich | March 28, 2025

Craig Stanovich explains that policyholders who rent space are presented with exposures that may not be properly handled by standard "fire legal" or "damage to premises rented to you" commercial general liability coverage.

Cyber and Privacy Risk and Insurance

A Scary Ghost: FBI Warning Highlights Need for Patch Management

Mark Lanterman | March 28, 2025

Mark Lanterman relates a recent government-issued cyber-security warning and what it means for Americans.

Construction Safety

Working on the Edge in Construction

TJ Lyons | March 28, 2025

Edges on worksites come in all forms, and nearly all present dangerous situations. TJ Lyons explains.

Construction

Building the Future: Revolutionizing Construction with AI

Seth Oswald | March 14, 2025

As advances in artificial intelligence (AI) rapidly progress and access to such technology expands, the construction industry is utilizing AI more than ever before. This article, derived from a presentation at the 2024 IRMI Construction Risk Conference, explores and analyzes the use of AI in construction.

Actuarial

The Evolution of Commercial Insurance Pricing

Gordon Thompson | March 7, 2025

Gordon Thompson explains how traditional insurance pricing and earlier rate-making approaches have evolved into modern pricing theory that takes capital commitments into account.

Construction

Conquering Common Challenges in Construction Contracts

Seth Oswald | March 7, 2025

Construction contracts are the framework of every project and essential tools that define roles and responsibilities on a jobsite. This article, derived from a presentation at the 2024 IRMI Construction Risk Conference, highlights five key factors to help avoid pitfalls in construction contracts.

Leadership at All Levels

Changing Perspectives in Construction Safety Systems

Tricia Kagerer, Justin Morrow | March 7, 2025

Tricia Kagerer and Justin Morrow examine the transition from hazard recognition to promoting trust, ability, and value in safety processes.

Construction Defect Coverage

The Evolution of CGL Coverage for Defective Construction in the Courts

Patrick Wielinski | February 28, 2025

Patrick Wielinski examines the move from overly restrictive approaches to insurance coverage for property damage arising out of defective work or faulty construction to the application of the actual terms of the commercial general liability (CGL) policy, reviewing the litigation history and a recent Illinois court decision.

Property Insurance

Location Can Impact Insurable Property Values

Kurt Huie | February 28, 2025

It is vital for insurance providers and property owners to understand the impact location has on loss prevention and replacement costs.

Employee Well-Being

Navigating Addiction in the Workplace

Sally Spencer-Thomas | February 28, 2025

Preventing addiction and overdose in the workplace is a key concern for risk managers. Sally Spencer-Thomas examines the dilemma and offers possible solutions.