Expert Commentary
Latest Articles
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.
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.)
Subcontractor Performance Risk
Understanding Cyber Risks and Strategies in the Construction Industry
Cheri Hanes | January 31, 2025
New technologies are proving exceptionally challenging. Cheri Hanes discusses the problems and solutions with other innovation leaders.
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.
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.
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.
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.
Commercial Property
Protective Safeguards Endorsements Need a Warning Label
Catherine L Trischan | January 31, 2025
Courts and Coverage
Breaking Coverage Case—No CGL Coverage Owed for Home Depot Data Breach
Jes Alexander | January 31, 2025
Subcontractor Performance Risk
Understanding Cyber Risks and Strategies in the Construction Industry
Cheri Hanes | January 31, 2025
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Los Angeles County 2025
Robin Olson | January 22, 2025
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
Intellectual Property
Defense Insurance for Intellectual Property Risks
Chuck Baxter | January 17, 2025
