Personal Lines Articles
Latest Articles
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).
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Texas 2024
2024-03-05 | Robin K Olson
IRMI offers information about dealing with wildfire insurance claims.
Catastrophe Risk Management
Homeowners Law and Ordinance Coverage Challenges
2024-02-09 | John Putnam
John E. Putnam shares his experience from three Colorado wildfires.
Claims Practices
Court Must Agree When Parties Agree to Appraisal
2024-01-19 | Barry Zalma
Barry Zalma relates a case involving appraisal of damages caused by Hurricane Ian.
Property Insurance
Insurable Interests and Interests Insured in Property Insurance
2023-12-12 | William K Austin
William Austin uses a matrix approach to exposure identification for commercial property insurance.
Claims Practices
Insurer Has No Duty to Accept Absurd Settlement Offer
2023-10-12 | Barry Zalma
Barry Zalma relates a recent case where the insurer was under no legal duty to its insured to accept more than five times the policy limit.
Catastrophe Risk Management
Collaborating To Prevent, Prepare for, and Recover from Wildfires
2024-05-17 | John Putnam
Businessowners Policies (BOP)
What Is a Micro-Business and How Can You Insure It with a Micro-BOP?
2024-03-08 | Edgar Martinez
Catastrophe Risk Management
FAQs for Surviving Wildfire Losses—Texas 2024
2024-03-05 | Robin K Olson
Catastrophe Risk Management
Homeowners Law and Ordinance Coverage Challenges
2024-02-09 | John Putnam
Property Insurance
Insurable Interests and Interests Insured in Property Insurance
2023-12-12 | William K Austin
