Fifty-eight chapters organized by category, searchable by line, term, or topic. Filter to focus on what you're working on, or browse the whole shelf.
The casualty core. GL, excess, auto, WC, products, and medical professional — the foundation of US commercial coverage.
The foundation. CGL form, occurrence vs claims-made, premises ops, products and completed operations, additional insureds.
Why severity drives everything above primary. Towers, attachments, ventilation, follow-form vs manuscript, nuclear verdicts.
Business Auto Coverage Form, fleet rating, MVRs, telematics, trucking exposures, hired and non-owned.
Statutory coverage with no policy limits. NCCI vs state bureaus, class codes, payroll-based rating, the experience mod.
Manufactured product exposure, completed operations, contractual indemnity, vendor's endorsements, recall as a standalone trigger.
Physicians, allied health, hospitals, MedPro markets, claims-made triggers, retroactive dates, patient compensation funds.
Direct property and the time-element coverages that flow from it. Marine, energy, aviation, and the BI rules that govern recovery.
BPP, special form vs named perils, COPE underwriting, SOV anatomy, TIV vs PML, coinsurance, cat aggregation.
Movable property that nobody else wants to insure. Builders Risk, contractor's equipment, motor truck cargo, fine art.
Hull, cargo, P&I, and the wonderfully archaic English law that still governs most of it. ICC clauses, general average.
Upstream, midstream, downstream. Operators Extra Expense, control of well, BI, WELCAR, and the renewables retrofit.
Airline, general aviation, manufacturers, products and grounding, war risks, and why most of this still places in London.
Course of construction, soft costs, delay in start-up, OCIP and CCIP wrap-ups, contractor vs owner controlled programs.
Time-element coverage. Period of restoration, waiting period, civil authority, ingress-egress, contingent BI, extra expense, COVID-era lessons.
Claims-made, cyber, management liability, financial lines, environmental, and the bespoke specialty markets.
Privacy liability, breach response, business interruption, cyber extortion, social engineering, and security control questionnaires.
Side A, B, and C, the duty of care, the business judgment rule, securities class actions, derivative suits, IPO cycle.
Claims-made mechanics. Retro dates, ERPs, prior acts, misc PL, A&E, lawyers, accountants, tech E&O.
Wrongful termination, discrimination, harassment, retaliation, wage and hour, third party EPL.
ERISA fiduciary duty, plan administration, excessive fee litigation, settlor functions, bundled with D&O and EPL.
Employee dishonesty, computer fraud, funds transfer fraud, social engineering. Overlaps with cyber.
Contractor's PL, premises pollution, site-specific PLL, transportation pollution, PFAS loss-cost.
Not insurance, even though carriers underwrite it. Contract surety, commercial surety, the three-party structure.
A quietly important specialty line, mostly placed in London, with a response service that matters more than the indemnity.
Buyer default, country risk, expropriation, currency inconvertibility. Where insurance and trade finance overlap.
The federal backstop, certified vs non-certified events, opt-in/opt-out mechanics, stand-alone terrorism market, NBCR exclusions, active assailant.
How the market is organized. Brokers, MGAs, Lloyd's, reinsurance, captives, the cycle, and the carrier tiers underneath it all.
Admitted vs non-admitted, surplus lines, retail and wholesale brokers, MGAs, TPAs, captives, fronting, RRGs.
Society, Council, Corporation. Names, syndicates, managing agents. Slips, lineslips, binders, coverholders, bordereaux.
Binding authority, the pen book, MGAs vs MGUs vs program admins, premium and claims bordereaux, audit-and-oversight.
Treaty vs facultative. Proportional vs non-proportional. Quota share, XOL, cat XOL, ILS, cat bonds.
State-by-state filing variations, the NRRA in detail, export lists, eligibility lists, Lloyd's USA trust funds.
The named firms, consolidation history, binding broker, open broker, contingent and supplemental commissions.
Single parent captives, group captives, RRGs, protected cells. Vermont, Bermuda, Cayman.
Hard and soft markets, the capital cycle, capacity dynamics, reinsurance pull, historical cycles, reading the signals that precede a transition.
Tier 1 global giants through Tier 4 regional specialists, plus the parallel hierarchies of reinsurers, Lloyd's syndicates, and Bermuda carriers. The working map of who writes what.
The cross-cutting workflow vocabulary: submissions, claims, ACORD, loss runs, SOV/COPE, rating, regulation, triggers, recovery.
Submission intake, clearance, triage, risk evaluation, pricing, quote, bind, issuance. The end-to-end view.
FNOL, coverage analysis, liability investigation, damages, reserving, settlement, subrogation.
125, 126, 130, 137, 140, 25. What each ACORD captures, what the supplementals layer on.
Reading a loss run from any carrier. DOL, reported, paid, reserves, incurred, status. Development, severity flags.
Schedule of values anatomy. TIV, building, contents, BI, location attributes. COPE underwriting.
Exposure base, manual rate, LCM, experience and schedule modification, credibility theory.
The 1/1 renewal cycle. The broker pack, what the reinsurer reads, what the cedant produces on deadline.
State-based regulation, NAIC model laws, rate and form filings, market conduct, regulatory friction.
Occurrence vs claims-made, claims-made-and-reported, retroactive dates, ERPs, allocation methods (pro rata, all sums), notice of circumstances.
The recovery side of claims. Subrogation rights, anti-subrogation rule, waivers, salvage mechanics, recovery vendors, inter-carrier arbitration.
How coverage assembles around an industry. Construction, healthcare, real estate, transportation, manufacturing, energy, tech.
Every line of business converges on a project. Tier structure, GL with completed-ops tail, surety, wrap-ups, COIs.
Med mal as the foundation, with hospital and corporate liability, HIPAA-driven cyber, managed care E&O.
Property at portfolio scale, with liability shaped by who uses each building. Multifamily, retail, REIT D&O.
Long-haul, last-mile, freight brokerage, MCS-90, motor truck cargo, telematics underwriting.
The management liability stack is the program. D&O, professional indemnity, FI Bond, cyber, SEC/FINRA/OCC.
Products liability long-tail, WC class-code complexity, property at scale, environmental, recall, OT cyber.
Tech E&O combined with cyber, D&O across the funding lifecycle. SaaS, hardware, fintech, healthtech, AI exposure.
Control of well, onshore vs offshore, refinery property, pipeline integrity, MSAs, London market dependency.
Outside the US: Canada, UK retail, the EU under Solvency II.
OSFI federal regulation, provincial supervisors, government-monopoly auto provinces, Quebec civil law, CSIO data standards, carrier landscape.
FCA / PRA dual regulation, SMCR personal accountability, Consumer Duty, the Acturis broker software ecosystem, UK lines and product shapes.
Solvency II three pillars, EIOPA, IDD and IPID, country snapshots for Germany, France, Italy, Netherlands, Iberia and Nordics, distribution patterns.
For people working with carriers. The tech stack, KPIs, buyer personas, AI regulation.
Five tiers of carrier technology — policy admin, underwriting workstation, broker management, ECM, reinsurance — plus data and reference services. Where IDP plugs in.
Combined ratio decomposed. Loss, LAE, and expense ratio mechanics. Underwriting and claims operations KPIs. Reserves, IBNR, and where IDP shows up on the scorecard.
The three-buyer intersection, the seven-stage buying committee map, and seven detailed personas: COO, CIO, Heads of UW / Claims Ops and Systems, Transformation Executive.
NAIC Model Bulletin, Colorado SB 21-169, NYDFS Circular Letter 7, EU AI Act, GDPR, DORA, UK FCA. Five regulatory frames and what they mean for IDP engagements.