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What today's risk management & insurance professionals need to know about the changing world of risk.


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Diversity in insurance. The growing Hispanic population in the U.S. is providing opportunities for carriers to meet the needs of new potential customers. (Photo: Shutterstock)

The southern border of the United States has garnered a lot of attention over the last few months due to immigration issues. Lesser known is the growing presence of risk management education in the Borderplex, the nexus of the area where Mexico, New Mexico, and Texas converge. The three major metropolitan areas in the Borderplex are El Paso, Texas; Las Cruces, New Mexico; and Ciudad Juárez, Chihuahua, Mexico.

When insurance and the Mexican border are used in the same sentence, it usually involves the question of coverage in a standard private passenger automobile policy while driving in Mexico. Some insurers along the border may provide limited coverage within a few miles inside Mexico, but others are dropping that option and selling a separate policy for such coverage. It is not unusual to see makeshift folding tables or stands with laptops set up right at the border for the purpose of offering auto insurance to Mexicans while traveling in the United States for a day or perhaps longer.

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