In response to an explosion of toxic mold claims at the turn of the century, universal exclusions for mold, fungi and bacteria related losses were introduced faster and on a wider scale than any exclusion in the history of the insurance business. The exclusions for fungi and bacteria are by...

Cameron Suhr, CWCSDirector of Business Development,Suhr Risk Services, San Jose, Calif.Years at company: 2College: Santa Clara University ‘12Who…

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.

Those of us in the insurance business are also consumers of the products we distribute. On occasion, we experience a loss of some kind and have to file a claim. Of course, this is why we bought insurance in the first placeto transfer the risk of financial losses that we...