Tag: Business Insurance
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Concern Over AI-Related Claims Is Driving Insurance Changes
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…
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AI and Executive Risk: Why Coverage Language Matters Now
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…
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Geopolitical Tensions and Airspace Risk
Overview: Three Conflicts The U.S.-Iran war has disrupted the Gulf region, affecting commercial, cargo, and business aviation traffic across tightly controlled flight corridors. According to AIT Worldwide Logistics, some carriers have suspended service on select routes to and from the region, freighter operations remain highly constrained, and carriers are expanding operations on major global routes…
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Managing Third-Party Transportation Risks in Senior Living Organizations
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…
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Delegated Design in Construction: Professional Liability Risks for Contractors
Project delivery methods in commercial construction have changed dramatically over the past decade. More owners are now embracing project delivery methods that streamline schedules and encourage collaboration among multiple parties throughout the construction process. As projects get bigger, more specialized, and more complex – such as data centers, healthcare facilities, manufacturing plants and institutional buildings…
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Mechanics Wanted: Aviation Industry Facing Shortage of AMTs
Aviation maintenance technicians (AMTs) keep our planes safe, compliant, and in the sky. Their responsibilities include inspecting, repairing, and certifying aircraft in accordance with stringent regulations. Unfortunately, the U.S. aviation industry is facing a real shortage of AMTs, driven by an aging workforce, training constraints, and evolving technology. Current Workforce Challenges The Federal Aviation Administration…
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Tired and Uncomfortable Drivers: How Fatigue and Ergonomics Increase Fleet Risk
Add six hours of whole-body vibration and a poorly adjusted seat, and the vehicle your company depends on could quickly become a serious liability. Driver fatigue can build over time due to factors such as undiagnosed sleep apnea and irregular shift schedules. A single night of sleep is not enough to repay accumulated sleep debt.…
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As Data Center Demand Accelerates, Utilities Face a New Risk Landscape
Power demand is rising faster than infrastructure can be delivered Artificial intelligence, cloud computing, and digital infrastructure are driving unprecedented demand for data centers across the United States. According to industry estimates, approximately $3 trillion is expected to be invested globally in digital infrastructure by 2030, with U.S. data center growth projected to add nearly…
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Addressing Consequential Damages in the Property Policy
Property insurance policy drafters have long attempted to address how excluded perils, such as faulty workmanship, latent defects, design defects, wear and tear, corrosion, or erosion, affect coverage. Approaches have included: “Resulting loss or damage” carve-backs “Cost of making good” faulty workmanship London Engineering Group (LEG 1, 2 and 3) defect clauses It is helpful…
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Structuring Construction Liability Coverage for Multifamily Developers
A well-structured General Liability program can significantly improve cost efficiency, risk control, and long-term outcomes for multifamily developers. Developers are paying for all General Liability insurance tied to their projects, whether that cost is visible or hidden. Developers can rely on the general contractor (GC) and subcontractors to carry coverage and build it into their…

