Risk Financing and Captives Articles
Latest Articles
Actuarial
Measuring Exposure in Business Insurance
2026-04-17 | Gordon Thompson
Understanding how your risk is measured and your premium is calculated is the first step to making smart insurance decisions. Gordon Thompson explains.
Reinsurance
Reinsurance Contract Drafting 101—Plain English
2026-04-03 | Larry Schiffer
Larry Schiffer discusses why drafting reinsurance contracts in clear and concise language is the right way to go.
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.
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.
Reinsurance
Special Termination Provisions in Reinsurance Contracts
2025-12-19 | Larry Schiffer
Larry Schiffer explores the special termination clause, its purpose, and how it has evolved.
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.
Reinsurance
Who Knows What Matters When It Comes to Risk Exposures
2025-09-12 | Larry Schiffer
Larry Schiffer discusses a recent reinsurance lawsuit involving whose knowledge triggers the known exposures exclusion.
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.
Reinsurance
Out of Alignment: When Reinsurance Contracts Are Not Synced with the Policies Reinsured
2025-06-20 | Larry Schiffer
Larry Schiffer explains the importance of such alignment and why the appropriate attention to detail needs to be applied to avoid a misalignment.
Actuarial
Fair Premiums, Risk Margins, and Solvency Considerations in Commercial Insurance Pricing
2025-06-06 | Gordon Thompson
Gordon Thompson discusses insurance pricing theory and methodology, focusing particularly on risk margins.
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
Catastrophe Risk Management
Wildfire Has Evolved from Natural Hazard to Systemic Threat
2025-08-29 | John Putnam
Reinsurance
Out of Alignment: When Reinsurance Contracts Are Not Synced with the Policies Reinsured
2025-06-20 | Larry Schiffer
Actuarial
Fair Premiums, Risk Margins, and Solvency Considerations in Commercial Insurance Pricing
2025-06-06 | Gordon Thompson
