Expert Viewpoints

The Nation’s Insurance Laboratory: What Liability Trends in California Mean for the Rest of the Country

For claims executives and insurance company leaders, one jurisdiction consistently demands disproportionate attention: California. The Golden State has long functioned as the nation’s bellwether for the liability trends, regulatory frameworks... Read More

The Great Hemp Reset: How the Federal Ban on Intoxicating Hemp Products Will Reshape Risk and Coverage

I have been writing about the insurance risks of intoxicating hemp products since 2021, when delta-8 THC gummies first started showing up in convenience stores and gas stations across the... Read More

Are We Training Claims Adjusters or Claims Processors?

I started my career as a writer. Not an insurance professional. Not an adjuster. A writer. When I eventually took... Read More

We Should Be Paying More Attention to The New Wave of SMB Cyber Claims

For years, cyber insurance was treated as a niche product reserved for technology firms, financial institutions and e-commerce giants. When... Read More

The Integrity Deficit: The Promise and The Erosion

Editor’s note: This is the first installment in a four-part series on the erosion of integrity in property claims. Part... Read More

When ‘We Accept’ Becomes A Contract: A Claims Lesson From Farmers V. Wood

Claims files often describe settlement as a sequence: obtain authority, communicate acceptance, issue the check, secure the release and close... Read More

A Defensible Framework for Post-Wildfire Smoke Damage Claims

In today’s wildland–urban interface (WUI) losses, the question is often more complex than simply “burned versus not burned.” An increasing... Read More

What Home Age Actually Tells Us About Claims — And What It Doesn’t

Looking at non-catastrophe claims that closed with a payment last year, the median paid loss hovered around $9,000 regardless of... Read More

Montgomery v. Caribe Increases Litigation Activity, Not Shipper Exposure

A recent Supreme Court decision that is widely viewed as a significant development in transportation litigation is particularly worth examining... Read More

AI Is Reshaping Insurance: What Claims Pros and Lawyers Must Know Now

Artificial intelligence has become a significant industry trend that is here to stay. Insurers no longer use AI as an... Read More