Risk Financing and Captives Articles

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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

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.

Reinsurance

Adventures in Contract Wording: Reasonableness

2025-04-11 | Larry Schiffer

What is reasonable will depend on the specific facts and circumstances of the case. Larry Schiffer explains.

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.

Actuarial

The Evolution of Commercial Insurance Pricing

2025-03-07 | Gordon Thompson

Gordon Thompson explains how traditional insurance pricing and earlier rate-making approaches have evolved into modern pricing theory that takes capital commitments into account.

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.