A US District Court ruled that a management agreement does not override the provisions of an insurance contract.

A discussion of a bulletin providing details on the program.

A summary of the ISO Circular for June 29, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

When patients at a rehab get into a fight and one is fatally injured, what policy applies?

A discussion of a regulation adopted by the Maryland Insurance Administration on license procedures.

A discussion of a bulletin published by the Texas DOI announcing the newly approved rates.

A discussion of a news release published by the Texas DOI announcing the rates for the upcoming quarter.

Today's liability insurance market often leaves risk managers and brokers facing a difficult tradeoff: adequate umbrella or excess limits may be unavailable, or available only at prices that put pressure on budgets. Capacity has tightened due to social inflation, a rise in nuclear verdicts above $10 million, and continued reinsurance stress, especially in lower layers and higher-hazard classes. As of mid-2026, lead umbrella pricing remains firm, with rate increases of up to 15% or more across many segments. Carriers also continue to reduce participation, raise attachment points, and apply stricter underwriting standards.

Public Officials Liability (POL) insurance remains a core component of risk management for governmental entities across the United States. This specialized coverage, often structured as a public-sector adaptation of Directors and Officers (D&O) insurance, addresses the distinct personal and entity-level exposures faced by elected officials, appointed leaders, and public employees.

Decisions to switch from an insurer or insurance broker are often driven by the potential for cost savings, improved terms, or better service. For risk managers, corporate executives, and consultants these transitions promise optimization but carry substantial hidden dangers.