Personal Lines Articles
Latest Articles
Claims Practices
Portable Storage Extension Held to Limit Coverage for Fire Loss
2026-04-24 | Barry Zalma
Barry Zalma relates a New York case holding that the loss to the plaintiffs' inventory was not covered under the businessowners policy.
Personal Risk Management
Protecting Families from Evolving Cyber Risks
2026-04-10 | Timothy P OBrien
Timothy O'Brien examines the problems and approaches that individuals and their insurance advisers should consider to protect themselves.
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
John Putnam revisits traditional insurability criteria, outlines current stressors, and proposes innovative approaches to address the many challenges posed by evolving climatic risks.
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Barry Zalma relates a case where the court refused to allow extrinsic evidence to interpret the word "sudden" in qualified pollution exclusions as including gradual but unexpected pollution.
Catastrophe Risk Management
Dealing with Winter Storm Damage
2026-01-26 | Robin K Olson
In light of the devastating winter storms that hit the US in late January 2026, IRMI is providing advice on what damage is covered and tips on filing insurance claims.
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
John Putnam takes a deeper look at past personal property insurance underwriting practices and evolving rating tools from an insurance agent's perspective.
Claims Practices
Intentional Injury Not Dischargeable in Bankruptcy
2025-10-28 | Barry Zalma
Bankruptcy is not available to protect a person from their intentional and willful acts. Barry Zalma relates a recent case on the issue.
Property Insurance
Implications of Recent Legislation on Property Insurance for Construction
2025-09-12 | Kurt Huie
To safeguard proper risk management, project managers, insurance brokers, and other stakeholders need to be educated on the evolving landscape. Kurt Huie explains.
Catastrophe Risk Management
Wildfire Has Evolved from Natural Hazard to Systemic Threat
2025-08-29 | John Putnam
John Putnam looks at the wildfire peril that confronts us and discusses the many causal factors that make easy solutions difficult.
Businessowners Policies (BOP)
Major Changes to the 2025 ISO Businessowners Program
2025-08-29 | Edgar Martinez
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.
Claims Practices
Portable Storage Extension Held to Limit Coverage for Fire Loss
2026-04-24 | Barry Zalma
Personal Risk Management
Protecting Families from Evolving Cyber Risks
2026-04-10 | Timothy P OBrien
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
Property Insurance
Implications of Recent Legislation on Property Insurance for Construction
2025-09-12 | Kurt Huie
Catastrophe Risk Management
Wildfire Has Evolved from Natural Hazard to Systemic Threat
2025-08-29 | John Putnam
Businessowners Policies (BOP)
Major Changes to the 2025 ISO Businessowners Program
2025-08-29 | Edgar Martinez
