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Home Articles Expert Commentary

Expert Commentary

Latest Articles

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.

Construction Safety

Stagnating US Safety Systems

TJ Lyons | October 3, 2025

Do we have a "loose" safety system in the US? TJ Lyons examines the current objectives and data, comparing them to those of other countries.

Commercial Liability

Breaking Coverage Case—Duty to Defend Owed for PFAS Claims

Jes Alexander | September 26, 2025

Two liability insurers owed a duty to defend a town facing claims of environmental pollution relating to per- and polyfluoroalkyl substances (PFAS). The court held that the noise and pollution exclusion was inapplicable in the duty to defend context due to the exclusion's carve-outs.

Property Insurance

Implications of Recent Legislation on Property Insurance for Construction

Kurt Huie | September 12, 2025

To safeguard proper risk management, project managers, insurance brokers, and other stakeholders need to be educated on the evolving landscape. Kurt Huie explains.

Cyber and Privacy Risk and Insurance

Colorado Artificial Intelligence Law: Deployer and Developer Definitions

Melissa Krasnow | September 12, 2025

Melissa Krasnow relates some of the particulars of the new Colorado law, which will take effect on June 30, 2026.

Cyber and Privacy Risk and Insurance

Colorado Artificial Intelligence Law: Deployer Disclosure Requirements

Melissa Krasnow | September 12, 2025

Consumers must be notified when and how AI systems are used. Melissa Krasnow looks into some of the specifics.

Cyber and Privacy Risk and Insurance

Colorado Artificial Intelligence Law: Developer Disclosure Requirements

Melissa Krasnow | September 12, 2025

To comply with the new AI law, certain information standards of care are necessary. Melissa Krasnow explains.

Cyber and Privacy Risk and Insurance

Colorado Artificial Intelligence Law: Enforcement and Exceptions

Melissa Krasnow | September 12, 2025

In this last article in the series, Melissa Krasnow discusses the implementation of the Colorado AI law.

Reinsurance

Who Knows What Matters When It Comes to Risk Exposures

Larry Schiffer | September 12, 2025

Larry Schiffer discusses a recent reinsurance lawsuit involving whose knowledge triggers the known exposures exclusion.

Businessowners Policies (BOP)

Major Changes to the 2025 ISO Businessowners Program

Edgar Martinez | August 29, 2025

The Insurance Services Office, Inc. (ISO), businessowners program has undergone significant changes, including a revised coverage form, new and updated endorsements, and changes to business classifications.