Few issues carry as much potential for catastrophic financial surprises as the bankruptcy or insolvency of either the insured or — more commonly and insidiously — one or more underlying insurers in an umbrella or excess liability program. Persistent inflation in jury verdicts, rising defense costs, and a series of high-profile insurer financial dislocations have once again cast sunlight on the adequacy (or inadequacy) of policy language designed to address insolvency scenarios.

A summary of the ISO Circular for April 6, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

The court determined whether Meta's conduct was deliberate or accidental in ruling whether the insurers had a duty to defend.

When fraudulent applications and claims lead to prison.

An analysis of the ISO CP 04 09 10 12 Increase in Rebuilding Expenses Following Disaster (Additional Expense Coverage on Annual Aggregate Basis) endorsement that can be attached to the Building and Personal Property Coverage Form or the Condominium Association Coverage Form.

When a drain under the floor leaks, is it inside or outside the property?

A discussion of a bulletin published by the Maryland Insurance Administration and insurer requirements as a result.

A summary of the ISO Circular for April 3, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

A discussion of a bulletin published by the SC DOI announcing two upcoming data calls.

A summary of the ISO Circular for April 1, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.