Expert Commentary

Latest Articles

Claims Practices

How and Why California Killed Third-Party Bad Faith

Barry Zalma | January 31, 2025

Barry Zalma discusses the reversal of the 1979 "Royal Globe" case in 1988 by the California Supreme Court and its ramifications.

Courts and Coverage

Breaking Coverage Cases—No CGL Coverage Owed for Home Depot Data Breach

Jes Alexander | January 31, 2025

Learn about the court ruling upholding the denial of commercial general liability (CGL) coverage for Home Depot following a significant data breach. This case highlights the limitations of traditional liability policies in covering cyber risks and the importance of specialized cyber insurance. (Links to policies provided.)

Catastrophe Risk Management

FAQs for Surviving Wildfire Losses—Los Angeles County 2025

Robin Olson | January 22, 2025

IRMI offers information about dealing with wildfire insurance claims in Los Angeles County, California.

Cyber and Privacy Risk and Insurance

Avoiding the "Set-It-and-Forget-It" Mindset: Third-Party Vendors and Cyber Security

Mark Lanterman | January 17, 2025

Developing a dynamic approach to vendor relationships can help bridge potential security gaps. Mark Lanterman explains.

Construction Safety

Shortcuts and Tradition Can Hamper Safety

TJ Lyons | January 17, 2025

Just because it's always been that way does not mean it should. TJ Lyons looks at problems and offers possible solutions.

Intellectual Property

Defense Insurance for Intellectual Property Risks

Chuck Baxter | January 17, 2025

Chuck Baxter examines the risks of patent, trademark, or copyright allegations and insurance options to respond effectively should access to the marketplace be threatened.

Captives

A Brief History of Captive Insurance Law

Hale Stewart | January 3, 2025

Hale Stewart looks back at the classical definition of insurance, the developing need for captives, the arguments against self-insurance, and the case law on the issue.

Captives

Captives: The Harper Test

Hale Stewart | January 3, 2025

Hale Stewart examines the history and current legal status of the three factors of the Harper test to determine whether a captive is valid for federal tax purposes.