Auto-insurance consumers are at once interested in and largely not purchasing usage-based insurance products. Why?

While both public and private educational institutions face many of the same types of claims, the climate is arguably more hazardous for private institutionswhich dont enjoy the liability protections afforded to government entities in many states.

Over the years, schools have conducted endless fire drills, tornado drills and even in the heyday of nuclear threatduck and cover bomb drills in an ongoing effort to make the learning environment safer. Today, in the wake of school shootings, a growing number of schools are conducting active shooter drills...

Widespread panic due to solar flares and satellite collisions is no longer the stuff of science-fiction now that theses real risks have the potential to create prolonged business interruption and billions in insured losses.