Personal auto carriers are rapidly approaching a moment of truth when it comes to usage-based insurance programs, whether they have already launched such products or have remained on the sidelines.

American International Group Inc. sold coverage to clients with ties to Cuba, a nation sanctioned by the U.S., when the insurer was owned by American taxpayers after its 2008 bailout.

A growing number of insurers harness the cloud for a strategic advantage. CIOs across the board reap cost savings, scale-on-demand, business continuity and other payoffs using cloud for non-core it services.