Expert Commentary

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Courts and Coverage

Breaking Coverage Case—California Court Rules No Coverage for Wildfire Smoke Losses

Jes Alexander | February 27, 2025

Learn about a California appellate court ruling holding that homeowners claiming smoke damages from a wildfire were not entitled to coverage under their homeowners policy.

Workers Compensation Issues

20 Workers Comp Issues To Watch in 2025

Mark Walls, Kimberly George | February 14, 2025

Mark Walls and Kimberly George discuss essential issues for every risk manager, human resources manager, and insurance professional to monitor in 2025.

Design and Professional Liability

Expert Testimony Needed To Prove Inadequate Conduct

Kenneth Slavens | February 14, 2025

Project failure alone does not prove liability, and expert testimony is needed to show the conduct fell below the standard of care. Ken Slavens relates the case.

Catastrophe Risk Management

Los Angeles Wildfires: A Debris Removal Megaproject

John E Putnam | February 7, 2025

After recently writing about debris removal, John Putnam continues the conversation considering the recent LA wildfires and what insurance and risk management challenges they present.

Catastrophe Risk Management

Wildfire Recovery: The Critical Role of Debris Removal Coverage

John E Putnam | February 6, 2025

Very few people consider this insurance until the event happens. Using real-life examples, John Putnam reviews what's covered and what isn't and offers solutions.

Builders Risk Insurance

Builders Risk Coverage: General Conditions

Steven Coombs | January 31, 2025

Commonly misinterpreted, Steven Coombs examines the complexity and confusion, providing explanations, case law, and takeaways.

Courts and Coverage

Breaking Coverage Case—No CGL Coverage Owed for Home Depot Data Breach

Jes Alexander | January 31, 2025

Learn about the court ruling upholding the denial of commercial general liability (CGL) coverage for Home Depot following a significant data breach. This case highlights the limitations of traditional liability policies in covering cyber risks and the importance of specialized cyber insurance. (Links to policies provided.)

Commercial Property

Protective Safeguards Endorsements Need a Warning Label

Catherine L Trischan | January 31, 2025

These endorsements are not to be overlooked or taken lightly. Catherine Trischan discusses how they work, the importance of compliance, related case law, and risk management tips for agents and insureds.