Expert Commentary

Latest Articles

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.

Commercial Property

Ensuing Loss Clauses—What Do They Mean?

Catherine L Trischan | October 28, 2025

Catherine Trischan explains that, while policy language is paramount, how it is interpreted can vary depending on the claim details and jurisdiction.

Claims Practices

Intentional Injury Not Dischargeable in Bankruptcy

Barry Zalma | October 28, 2025

Bankruptcy is not available to protect a person from their intentional and willful acts. Barry Zalma relates a recent case on the issue.

Design and Professional Liability

"Consequential" Versus "Direct" Damages—Specify the Difference

Kenneth Slavens | October 24, 2025

Classification of damages can vary greatly depending on the specific project, contract language, and parties involved. Ken Slavens relates a recent legal decision on this issue.

Employee Well-Being

Suicide Prevention Community Helper Training

Sally Spencer-Thomas | October 24, 2025

Sally Spencer-Thomas provides reasons why employers should modify their mental health strategies, making the case for VitalCog Suicide Prevention training.

Additional Insured Issues

Additional Insured Obstacles Fall: Is Coverage Restricted?

Julian Ehrlich | October 10, 2025

In this second of a two-part series, Julian Ehrlich reviews the split in authority on whether additional insured (AI) coverage is limited to the vicarious liability of the putative AI.

Risk Management

Proactive Safety Without the Hype: What AI Can (And Can't) Do for the Field

Justin Morrow | October 10, 2025

Justin Morrow predicts that, despite the overwhelming hype, artificial intelligence (AI) will play a supporting role to leadership. He examines its strengths and limitations.

Additional Insured Issues

Additional Insured Obstacles Fall: Coverage Is Not "Premature"

Julian Ehrlich | October 9, 2025

Julian Ehrlich briefly traces the evolution of Insurance Services Office, Inc., additional insured endorsements' wording and reviews how insurers have tried to restrict coverage and various courts' response.