Expert Commentary
Latest Articles
Liability Insurance
CGL—Fire Legal
Craig Stanovich | March 28, 2025
Craig Stanovich explains that policyholders who rent space are presented with exposures that may not be properly handled by standard "fire legal" or "damage to premises rented to you" commercial general liability coverage.
Cyber and Privacy Risk and Insurance
A Scary Ghost: FBI Warning Highlights Need for Patch Management
Mark Lanterman | March 28, 2025
Mark Lanterman relates a recent government-issued cyber-security warning and what it means for Americans.
Construction Safety
Working on the Edge in Construction
TJ Lyons | March 28, 2025
Edges on worksites come in all forms, and nearly all present dangerous situations. TJ Lyons explains.
Construction
Building the Future: Revolutionizing Construction with AI
Seth Oswald | March 14, 2025
As advances in artificial intelligence (AI) rapidly progress and access to such technology expands, the construction industry is utilizing AI more than ever before. This article, derived from a presentation at the 2024 IRMI Construction Risk Conference, explores and analyzes the use of AI in construction.
Actuarial
The Evolution of Commercial Insurance Pricing
Gordon Thompson | March 7, 2025
Gordon Thompson explains how traditional insurance pricing and earlier rate-making approaches have evolved into modern pricing theory that takes capital commitments into account.
Construction
Conquering Common Challenges in Construction Contracts
Seth Oswald | March 7, 2025
Construction contracts are the framework of every project and essential tools that define roles and responsibilities on a jobsite. This article, derived from a presentation at the 2024 IRMI Construction Risk Conference, highlights five key factors to help avoid pitfalls in construction contracts.
Leadership at All Levels
Changing Perspectives in Construction Safety Systems
Tricia Kagerer, Justin Morrow | March 7, 2025
Tricia Kagerer and Justin Morrow examine the transition from hazard recognition to promoting trust, ability, and value in safety processes.
Construction Defect Coverage
The Evolution of CGL Coverage for Defective Construction in the Courts
Patrick Wielinski | February 28, 2025
Patrick Wielinski examines the move from overly restrictive approaches to insurance coverage for property damage arising out of defective work or faulty construction to the application of the actual terms of the commercial general liability (CGL) policy, reviewing the litigation history and a recent Illinois court decision.
Property Insurance
Location Can Impact Insurable Property Values
Kurt Huie | February 28, 2025
It is vital for insurance providers and property owners to understand the impact location has on loss prevention and replacement costs.
Employee Well-Being
Navigating Addiction in the Workplace
Sally Spencer-Thomas | February 28, 2025
Preventing addiction and overdose in the workplace is a key concern for risk managers. Sally Spencer-Thomas examines the dilemma and offers possible solutions.
Cyber and Privacy Risk and Insurance
A Scary Ghost: FBI Warning Highlights Need for Patch Management
Mark Lanterman | March 28, 2025
Leadership at All Levels
Changing Perspectives in Construction Safety Systems
Tricia Kagerer, Justin Morrow | March 7, 2025
Construction Defect Coverage
The Evolution of CGL Coverage for Defective Construction in the Courts
Patrick Wielinski | February 28, 2025
