Severe Convective Storms Lead Concerns for Insurers
The vast majority of insurance company executives view severe convective storms (SCS) as the leading threat to their balance sheets, according to a Demex survey.
Commercial Lines
Navigating the New Risk Landscape of Data Center Construction
The rapid growth in data centers has brought new challenges and a growing need for sophisticated insurance solutions to manage such risks.
Can a BOP Have Business Income Coverage Without Building Property Coverage?
A commercial lines prospect has a limit on business income and business personal property (BPP), but not on the building.
Is Flooding From a Broken Water Line Considered Surface Water?
A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.
Exterior French Drain Backup: Drain Coverage or Surface Water Exclusion?
Heavy rain overwhelmed a French drain outside of a commercial insured’s building, which caused water to back up into the building. The carrier denied the claim because the drain was exterior.
Descartes Launches Highly Responsive Parametric Flood‑at‑Location Product
The product covers any economic losses resulting from fluvial, pluvial and coastal flooding, and offers rapid payouts triggered by pre‑set conditions.
How Catastrophes Are Changing Property Coverage
From hurricanes in the Southeast, wildfires in the West and severe convective storms in between, catastrophes are a defining feature of the current insurance landscape and are changing property insurance.
Can an Insured Make an Extra Expense Claim Without a Business Income Loss?
After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.
P&C Industry ‘Continues to Walk a Fine Line’ After Posting $11.5 Billion Underwriting Profit
The U.S. property & casualty insurance industry almost tripled underwriting profitability in the first half of 2025 compared to the same period in 2024, but catastrophes continue to drive up homeowners premiums.
Ghost Kitchens, Food Trucks and Catering: How Agents Can Help in a Transforming Industry
Ghost kitchens are a growing trend, fueled by celebrities like MrBeast and Mariah Carey, but these non-traditional food service businesses bring unique exposures that don’t always fit into standard restaurant policies.
