It should come as no surprise that the insurance industry is also being reshaped by the rapid evolution of AI. As these changes accelerate, insurers are confronting a fundamental question that, until recently, had not been a significant or widespread concern: How should insurance respond when AI causes or contributes to a loss? Insurers are…

Return-to-work (RTW) programs are structured initiatives that aim to reintegrate individuals who have sustained workplace injuries or illnesses into their positions as soon as safe and feasible.   These programs often include transitional jobs, reduced tasks, or alternate positions appropriate for the employee’s physical capabilities throughout recuperation. RTW programs represent a proactive approach to employee…

The question is not whether AI creates new risks – it does – but whether current policy language was designed to respond. In most cases, that answer is still unclear. That is not necessarily a bad thing for policyholders. Standard executive risk insurance policies, including Tech E&O, Cyber, Professional Liability, D&O and EPL, are not…

The Transportation Landscape Senior living operators outsource transportation to reduce capital investment, transfer liability, support ADA compliance, access specialized training, maintain regulatory flexibility, and scale services with census demand. Vendor Types Non-Emergency Medical Transportation (NEMT) Rideshare Platforms (Uber Health, Lyft Healthcare) Taxi/Car Services: Traditional providers Charter/Bus Services: Group transportation Regulatory Environment Transportation operates at the…