The scope of what is considered 'advertising' under a commercial general liability policy is broad and complicated.

Take-up can be modest, but it won't be for long: Claims experience informs both underwriting strategies and the perspectives of potential clients.

El Nio gets a lot of publicity in relation to major storms, such as Hurricane Patricia or severe blizzards, but it can have an impact on day-to-day weather as well, explains Elaine Montgomery-Baisden, vice president and chief underwriting officer, Personal Insurance, for Travelers.

Interest in Cyber coverage continues to grow as businesses get a more solid handle on the myriad risks to their information security. More companies are shopping for policies to help protect their interests, but finding the right carrier and the right product shouldn't be left to chance.