News from HSB, Guidewire, Aon Risk Solutions, Applied Systems and more.

Drivers know not to text and drive, but they still do it. Now there is hard evidence that states with texting bans are saving lives. With more than 7 billion mobile subscriptions worldwide according to the International Telecommunications Union and mobiThinking, that's a lot of texting.

It's impossible to know whether a guest could steal, damage or vandalize a host's property.

Commercial claims from wineries and vineyards will be the main source of claims, says I.I.I.'s Hartwig.