The house is dark, except for the warm glow of a friendly jack-o-lantern and a few melting candles. Its a little spooky, but its all for fun. The only thing sinister about this familiar Halloween scene is the possibility of a fire.

The Sunshine States system for no-fault automobile insurance is flawed to the point of systemic abuses, and fraudulent claims are climbing to higher levels than ever, to hear one national association tell it.

Significant changes in the National Flood Insurance Programincluding an end to all subsidies within five yearsare being proposed by a diverse coalition organized by SmarterSafer.org.

Swiss Reinsurance Co. Ltd. has regained a credit rating of AA-minus from Standard & Poors, which says the Zurich-based reinsurer successfully de-risked its asset portfolio.