Personal Lines Articles

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Personal Lines Insurance

Insuring the Home-Based Business—Part 2

2024-09-30 | Robin K Olson

In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."

Personal Lines Insurance

Insuring the Home-Based Business—Part 3

2024-09-30 | Robin K Olson

In Part 3 of this series, Rob Olson looks at the proper endorsements and policies needed to adequately protect home-based businesses.

Catastrophe Risk Management

Public-Private Partnerships and Wildfire Recovery

2024-08-30 | John Putnam

Collaborating on the insurance and noninsurance issues involved in the aftermath of a wildfire can help neighborhoods survive and endure. John Putnam explains.

Property Insurance

Inflation and Its Impact on the Property Insurance Market

2024-08-30 | Kurt Huie

The market continues to show signs of normalization, with premium increases expected to return to pre-COVID-19 levels. Kurt Huie provides an update.

Claims Practices

Cyber-Security Policy Requires Direct Financial Loss

2024-07-19 | Barry Zalma

Barry Zalma relates a case where coverage was not triggered for a loss involving a phishing scam.

Catastrophe Risk Management

Collaborating To Prevent, Prepare for, and Recover from Wildfires

2024-05-17 | John Putnam

John Putnam examines the importance of grassroots strategies to address the risk of wildfires, including bringing stakeholders and agencies with wildfire experience together to combat the problem.

Claims Practices

Pollution Exclusion Deters Corporations from Polluting

2024-03-29 | Barry Zalma

Barry Zalma relates a case where the insureds' dumping toxins into the city's sewer system clearly fell within the policy's pollution exclusion.

Businessowners Policies (BOP)

What Is a Micro-Business and How Can You Insure It with a Micro-BOP?

2024-03-08 | Edgar Martinez

Micro-businesses often do not have adequate insurance for their needs. In this Expert Commentary by Edgar Martinez, IRMI provides helpful information on micro-businessowners policies (micro-BOPs).