Having these six types of insurance can help restore a bit of normalcy to your life in the aftermath of tornado damage to your property.

For certain, every risk manager and risk management department encounters a wide range of mountains to conquer. While I could expand further about these issues, I instead thought that I would share some observations and confessions about my risk management career.

If admitted carriers become insolvent, guaranty funds typically cover losses. But hard-to-place risks, which require the broker to access the surplus lines market, can present a virtual minefield.

Any bill that is enacted should recognize that ride-sharing services start when a driver logs on to the smartphone app and ends only when the ride has been completed and the driver has logged off the system.