Agencies will need to continually evolve their selling and service models in order to respond to the future climate of competition.

Merck was stunned when most of its insurers denied cyber coverage. Why? Because its policies excluded another risk: an act of war.

Three factors, in particular, have influenced the evolution and growth of the flood insurance industry this year.

For insurers, a key concern is whether the catastrophe models used accurately reflect the influence of climate change.