Personal Lines Articles

Latest Articles

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

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.