Category: Opinion

Using “Big Data” to Make Unilateral Policy Coverage Changes

An insurer makes a unilateral change in policy coverage, adding a named insured, based on “publicly available” information. Is this legal or appropriate? What about erroneous “public” information (aka “big data”) the insurer uses for coverage or rating purposes without confirmation by the insured, e.g., household residents, dwelling square footage, incorrect credit information, etc.

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Why Insurance Doesn’t Cover the COVID-19 Pandemic

THE Definitive and Conclusive Analysis of Why Insurance Doesn’t Cover Pandemics. is now available on presale at This book by one of the industry’s foremost P&C insurance coverage experts, author of “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” explains why potentially trillions of dollars of COVID-19 business interruption losses should not, can not, and are not covered by insurance.

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Fake Risk Management

I have blogged before about the danger (to customers and E&O policies) of agents who attempt to perform services they’re not qualified to provide and/or hold themselves out as having skills greater than that which they actually possess. Agency consultant Chris Burand kicks it up a notch….

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My New Ebook

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