Personal Lines Articles

Latest Articles

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

Failure to Read Policy Proves Fatal to Claim

2025-07-15 | Barry Zalma

The Georgia Court of Appeals holds that ignorance of underinsured motorist coverage for a pedestrian hit by a car is inexcusable. Barry Zalma relates the case.

Catastrophe Risk Management

Additional Living Expenses: A Critical Recovery Tool After Disasters

2025-05-30 | John Putnam

This coverage is very much needed and often misunderstood. John Putnam explains the basics, limits, duration, benefits, and application.

Claims Practices

Lawyer Convicted of Workers Compensation Fraud

2025-04-25 | Barry Zalma

Barry Zalma relates a California case where a jury convicted the plaintiff of 37 felony counts of fraud, but, on appeal, his conviction was partially reversed to the Williamson rule.

Catastrophe Risk Management

Understanding the Resilience and Recovery of Wildfire Survivors

2025-04-04 | John Putnam

Focusing on policyholders' complex and changing behavioral health needs following a major disaster is key. John Putnam looks at ways to accomplish this.

Property Insurance

Location Can Impact Insurable Property Values

2025-02-28 | Kurt Huie

It is vital for insurance providers and property owners to understand the impact location has on loss prevention and replacement costs.

Catastrophe Risk Management

Los Angeles Wildfires: A Debris Removal Megaproject

2025-02-07 | John Putnam

After recently writing about debris removal, John Putnam continues the conversation considering the recent LA wildfires and what insurance and risk management challenges they present.

Catastrophe Risk Management

Wildfire Recovery: The Critical Role of Debris Removal Coverage

2025-02-06 | John Putnam

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.