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Home Articles Expert Commentary

Expert Commentary

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Catastrophe Risk Management

FAQs for Surviving Wildfire Losses—Los Angeles County 2025

Robin Olson | January 22, 2025

IRMI offers information about dealing with wildfire insurance claims in Los Angeles County, California.

Construction Safety

Shortcuts and Tradition Can Hamper Safety

TJ Lyons | January 17, 2025

Just because it's always been that way does not mean it should. TJ Lyons looks at problems and offers possible solutions.

Cyber and Privacy Risk and Insurance

Avoiding the "Set-It-and-Forget-It" Mindset: Third-Party Vendors and Cyber Security

Mark Lanterman | January 17, 2025

Developing a dynamic approach to vendor relationships can help bridge potential security gaps. Mark Lanterman explains.

Intellectual Property

Defense Insurance for Intellectual Property Risks

Chuck Baxter | January 17, 2025

Chuck Baxter examines the risks of patent, trademark, or copyright allegations and insurance options to respond effectively should access to the marketplace be threatened.

Captives

A Brief History of Captive Insurance Law

Hale Stewart | January 3, 2025

Hale Stewart looks back at the classical definition of insurance, the developing need for captives, the arguments against self-insurance, and the case law on the issue.

Captives

Captives: The Harper Test

Hale Stewart | January 3, 2025

Hale Stewart examines the history and current legal status of the three factors of the Harper test to determine whether a captive is valid for federal tax purposes.

Captives

Micro-Captives and Claims Handling

Hale Stewart | January 3, 2025

Micro-captive claim cases are replete with examples of poor corporate stewardship. Hale Stewart discusses the problems.

Reinsurance

Some Thoughts on Reinsurance Security

Larry Schiffer | December 20, 2024

Larry Schiffer addresses why and how a ceding insurer secures the asset provided by the reinsurance arrangement.

Valuation of Insurance Organizations

The Valuation Impact of Major Hurricanes: A Market Study

Todd Fries | December 6, 2024

Todd Fries explores how hurricane-related losses affect the market's perception of risk and value in the insurance sector.

Courts and Coverage

Breaking Coverage Case—CGL Insurers Owe Coverage for Sex Trafficking Suits

Jes Alexander | December 6, 2024

This article examines recent court rulings where commercial general liability (CGL) insurers were found to owe a duty to defend in cases involving sex trafficking suits.