Insights

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Insights

Casualty, Property & Casualty, Real Estate

State of the Casualty Market - Q4 2019

11/07/19

Capacity is shrinking in most areas of the E&S Casualty market, especially auto, wildfire and active shooter-exposed risks. Carriers are being strategic about where they participate and the amount of capacity they deploy on excess towers. Read more about the many facets of the current casualty market and the potential impact on your business.

Casualty, Property & Casualty, Real Estate

The Value of a Self-Insured Retention for Habitational Insureds

06/18/19

​As the market for habitational casualty insurance continues to harden, both primary and excess carriers are being more selective, raising prices and attachment points, and are increasingly unwilling to consider risks with claim-frequency issues. Given these conditions, insureds can potentially reduce their claims expenses by moving from a deductible to a self-insured retention (SIR) program. This article explains how an SIR works, the types of insureds that can benefit from taking control of their claims management, and the benefit of partnering with a TPA to handle the administrative component.

Casualty, Hospitality & Entertainment, Property & Casualty, Real Estate, Transportation

How to Navigate Insurance Coverage in the Age of Uber, Airbnb and the Sharing Economy

05/16/19

​The explosive growth of the sharing economy – businesses offering goods and services through digital platforms that match consumers and providers – presents tremendous opportunity for retailers to market insurance and risk management services to a new breed of businesses. However, the regulation of shared-services is complex, continuously growing and can vary at the state and local level. This article provides insight into the regulations and laws impacting insurance for this industry and key questions to ask when considering the right insurance program for your sharing economy customers.

Property, Property & Casualty, Real Estate

Loss of Income: Is Depreciation a Continuing Expense?

03/19/19

When a company suffers a loss to a fixed physical asset, such as when a fire damages a building, the insured may incur an interruption to their business which can result in the loss of income and the incurrence of expenses. This article examines how Business Income and Rental Value Income losses in a Property policy may treat depreciation after the damage or destruction of a fixed physical asset, numerous factors that impact the treatment, and how to mitigate claim disputes.

Casualty, Property & Casualty, Real Estate

State of the Casualty Real Estate Market

The state of the casualty market for real estate and habitational risks differs by the type of exposure. While desirable risks are seeing rate reductions, crime-related losses have caused many carriers to tighten acceptability guidelines, and shrinking profit margins have caused carriers in the habitational market to exit the space. Learn more in our State of the Real Estate Market report.

Casualty, Property & Casualty, Real Estate

Overcoming the Challenges of Placing Multi-Family Real Estate Insurance

Multi-family real estate insurance has become a difficult class to place - many markets have either exited the space or tightened their guidelines. Here are three ways that you can help present risks in the best possible light for underwriters.

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