When buying a property policy, an insured has the option of RCV or ACV. An insured will often pay more for the RCV on their property, only to find out during the final claims settlement that they would be better off financially to elect an ACV settlement. We will look at the advantages and disadvantages of each option in various claims situations to show why that might happen.

An overview of trusts and where coverage is found in both the personal and commercial lines policies.

An overview of how to use FC&S to find answers to your coverage questions.

An early look at the 2026 predictions for hurricane season.

ISO has available seven endorsements to address the exposures associated with leasing or rental companies. Here we will provide a brief analysis of each of these endorsements.

Coverage for mobile equipment is a rather complex subject, given that coverage is split between the business auto and general liability coverage forms. We will look at the coverage provided by each of these forms, as well as how the coverages are designed to be applied in actual claim scenarios.

The U.S. Directors and Officers (D&O) liability insurance market in 2026 is stabilizing after a period of softening. Increased capacity has kept competition strong, resulting in flat or modestly decreased premiums for many insureds. This article examines the competitive equilibrium as underlying risks evolve rapidly.

From late 2025 to early 2026, D&O liability and coverage law saw major changes, with Delaware continuing to play a leading role. These developments highlight Delaware's tendency to interpret D&O policy exclusions in a manner beneficial to insureds, setting important precedents for future litigation.

Artificial intelligence and autonomous technologies are rapidly changing liability risks, with traditional insurance policies struggling to cover these new exposures. Insurers are responding with new exclusions and specialized products, and policyholders must review their coverage, consult insurers about dedicated AI solutions, and negotiate endorsements for emerging risks.

Per- and polyfluoroalkyl substances—known as "forever chemicals" due to their extreme persistence in the environment and human body—continue to fuel one of the largest and most complex mass tort waves in U.S. history. While water contamination settlements have advanced, personal injury outcomes remain uncertain, placing significant pressure on umbrella and excess liability programs.