Expert Commentary

Latest Articles

Claims Practices

Pollution Exclusion Deters Corporations from Polluting

Barry Zalma | March 29, 2024

Barry Zalma relates a case where the insureds' dumping toxins into the city's sewer system clearly fell within the policy's pollution exclusion.

Cyber and Privacy Risk and Insurance

NIST Cybersecurity Framework 2.0 and Risk Management

Mark Lanterman | March 21, 2024

Organizations need to stay ever vigilant against cyber risks. Mark Lanterman examines this resource aimed at helping protect critical infrastructure.

Businessowners Policies (BOP)

What Is a Micro-Business and How Can You Insure It with a Micro-BOP?

Edgar Martinez | March 8, 2024

Micro-businesses often do not have adequate insurance for their needs. In this Expert Commentary by Edgar Martinez, IRMI provides helpful information on micro-businessowners policies (micro-BOPs).

Agricultural Insurance

Precision Agriculture: Understanding and Insuring

Casey Roberts | March 7, 2024

An all-encompassing term for multiple approaches to operating a farm or agricultural enterprise, Casey Roberts explains the ins and outs, as well as the pros and cons.

Catastrophe Risk Management

FAQs for Surviving Wildfire Losses—Texas 2024

Robin Olson | March 5, 2024

IRMI offers information about dealing with wildfire insurance claims.

Professional, D and O, and Fiduciary Liability

Courts Limit Insurer Liability and Increase Agent Responsibilities

Frederick Fisher | February 29, 2024

Fred Fisher relates cases that seem to swing away from traditional insurer responsibilities and change insureds' risks.

Reinsurance

Missing or Lost Reinsurance Contracts

Larry Schiffer | February 29, 2024

Legacy claims are often reported decades after an insurance policy has been issued and reinsured. Insurer insolvencies and mergers add to the problem. Larry Schiffer examines the challenges.

Case Law

Do Liability Policies Cover Suits Related to the Opioid Epidemic?

Jes Alexander | February 21, 2024

Learn about the ongoing battle over whether liability coverage exists for lawsuits brought by local and state governments seeking costs related to the opioid crisis, including a major recent decision out of California.