New footage from the 2011 Tohoku tsunami reminds us that these disasters can happen anywhere, any time.

While kids stay busy being kids and recreational and league sports remain a mainstay of many insurers Excess & Surplus offerings, carriers are taking a closer look at growing exposures within certain youth sports.

The agent vs. direct argument is a red herring. Its a more fundamental question than that. Modern consumers want what they want, when they want it, and their small business insurance purchases are no different.

The National Association of Insurance Commissioners is advocating for more flexibility for its regulated U.S. insurers to operate both subsidiaries and branches in foreign countries without international supervision favoring the former over the latter.