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The Basics of All Risk Insurance and Fortuity

My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

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The Basics of All Risk Insurance and Fortuity

My recent article, What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance? seems like a good time to restate some basic...

What Does “Follow the Form” Mean In Modern Insurance Practice?

Reading Surplus Lines Property Policies in a Tower of Insurance After Ohio Casualty v. Patterson-UTI Energy Commercial property losses involving surplus lines insurance rarely...

What does “Fortuitous” Mean? Why Is “Fortuity” So Important to Property Insurance?

Insurance disputes often turn on small words that carry enormous consequences. Few words are as deceptively simple and as consequential as “fortuity.” It...

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Enhancing Community Safety Starts with Honest Conversations About Wildfire Risk

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Wildfires are no longer rare, seasonal events. They are a year-round threat reshaping communities from California to Colorado, and everywhere the urban areas...

The Impact of Emerging Talent Programs and Local Industry Engagement

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This article is part of a sponsored series by Risk Insurance...

Have Policyholder Rights and Protections Eroded?

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After representing insurance companies for several years, I left to start a policyholder practice in 1985. By the early 1990s, my personal sense...

A Hard Lesson About Proving Wind-Caused Openings When Water Enters a Building

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Insurance disputes involving interior water damage caused by rain entering from the exterior of the building often turn on a deceptively simple question:...

Why More Insurance Agencies Are Turning to Outsourced Back Office Teams

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This article is part of a sponsored series by Expert Insured. Running...

Why Courts Should Demand More Than a Rubber Stamp Regarding Regulator-Approved Policy Wording

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Insurers love to invoke the phrase “the regulator approved this language” as though it were a magical incantation that transforms every policy term...

Automating Rate, Quote, and Bind Workflows with RQB

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This article is part of a sponsored series by Expert Insured. In...

Why Speed = Bound Business

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This article is part of a sponsored series by Expert Insured. In...

The Real Difference for MGAs and Wholesalers

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This article is part of a sponsored series by Expert Insured. If...

Why RQB + Expert Insured Together Beat Any Standalone AMS or Rating Tool

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This article is part of a sponsored series by Expert Insured. Why...

What Is a Multi-Carrier Quoting Platform? How RQB Powers It End to End

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This article is part of a sponsored series by Expert Insured. In...

API Quoting vs Email-Based Intake – When to Automate, When to Route

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This article is part of a sponsored series by Expert Insured. In...
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