Expert Commentary

Latest Articles

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.

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.

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.

Claims Practices

How and Why California Killed Third-Party Bad Faith

Barry Zalma | January 31, 2025

Barry Zalma discusses the reversal of the 1979 "Royal Globe" case in 1988 by the California Supreme Court and its ramifications.

Courts and Coverage

Breaking Coverage Cases—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.

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.