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If BP’s “Deepwater Horizon” oil rig explosion and spill has taught us nothing else, it has at least drawn attention to three facts that will permeate insurance claims for the balance of the 21st century: The first is that indirect loss can be more expensive than direct loss. The second is that our infrastructure — be it a bridge, a pipeline, or an oil rig — is wearing out and will break. The third is that we need options to fossil fuels.

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