The option to take actual cash value instead of replacement cost, with claiming replacement cost within 180 days of the date of loss, is a conscious decision by the insured.

You never know who you might meet at an event this holiday season.

We take a look at this year's major catastrophes, and what insurers should be watching for in 2018.

Employers can use these five strategies to manage opioid issues in their organizations and help injured workers heal.