Directors and Officers (D&O) liability exposures continue to evolve at an accelerated pace. Traditional securities class actions (SCAs) now intersect with new technological, regulatory, and global pressures, placing heightened personal accountability on boards and executives. The core driver is still the obligation to implement reasonable oversight systems for material risks—with courts increasingly willing to scrutinize whether directors adequately monitored emerging threats like artificial intelligence (AI), cyber incidents, and geopolitical disruptions.

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.

In this guest article by Steven Weiss, President of Incarnation Specialty Underwriters, Steven provides an overview of Maritime War Risk Insurance.

An overview of electric bicycles and coverage issues.

False pretense is an exclusion under the Auto Dealers Coverage form. But what exactly is a false pretense? We take a look at the exclusion and the coverage endorsement in this overview.

With a proposed effective date of June 1, 2026, ISO is revising the title of one commercial property endorsement and adding three new endorsements. According to ISO, none of these endorsements add or remove coverage under the policy but are a clarification or reinforcement of coverage intent.

Definitions of common weather terms.

An overview of some common winter storm issues, with related articles from FC&S.

In the world of Directors and Officers (D&O) insurance, three sneaky endorsements—known here as the Terrible Three—can quietly gut your policy's protection, leaving executives exposed to devastating personal liability. Don't let these hidden traps catch you off guard. Here’s what you need to know.

What you need to know about the current issues with availability and capacity of current umbrella policies.