Risk Financing and Captives Articles
Latest Articles
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
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
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
Catastrophe Risk Management
Additional Living Expenses: A Critical Recovery Tool After Disasters
2025-05-30 | John Putnam
Catastrophe Risk Management
Understanding the Resilience and Recovery of Wildfire Survivors
2025-04-04 | John Putnam
