Property Insurance Coverage Law

JULY 28, 2025

In a decision with far-reaching implications for the appraisal process in property insurance disputes, the Seventh Circuit Court of Appeals affirmed last week that appraisers may determine the cause of loss when establishing the amount of loss. The case, Mesco Manufacturing, LLC v. Motorists Mutual Insurance Company, 1 involved a commercial hail damage claim in Indiana, … The post Appraisers Can Decide Causation: A Victory for the Integrity of the Appraisal Process in Indiana appeared firs

Property Insurance

Insurance Journal

JULY 28, 2025

Net income at The Hartford increased 35% to $990 million in the second quarter 2025 as personal lines returned to profitability compared to the same period a year ago. Q2 property/casualty written premiums increased 8% compared to Q2 2024.

Premium

Final Expense Brokerage

JULY 29, 2025

July 24, 2025 3:49:11 PM Contact Us Share: In today’s highly competitive life insurance market, agents are constantly looking for ways to improve efficiency, lower acquisition costs, and increase retention. Yet one of the most powerful and cost-effective strategies continues to be overlooked: referrals from current policyholders. Whether you're selling term life, whole life, final expense, or supplemental health insurance, the clients you’ve already served represent your warmest market - and pot

Life Insurance

Word & Brown

JULY 29, 2025

Working as an independent insurance broker offers great benefits. Being able to choose your own career path. Determining your own hours. Working from virtually anywhere. Having the potential for higher income because of your direct sales efforts. Your freedom and flexibility are virtually unparalleled. However, the role is not without challenges – especially for new brokers.

Broker

Advertiser: Trellis

Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.

Property Insurance Coverage Law

JULY 27, 2025

In the latest episode of Claim Game, I sat down with Steven Bush to dissect the state of insurance claims handling, particularly following major catastrophes like hurricanes or wildfires. This conversation offers a revealing look at how the claims process is evolving and, in many cases, not for the better when it comes to policyholders’ … The post A Deep Dive into Insurance Claims: Insights from Chip Merlin’s Interview with Steven Bush appeared first on Property Insurance Coverage Law Blog

Insurance Claim

Top Insurance Blogs

JULY 30, 2025

In its newly released Q2 2025 Global Insurance Market Insights, Aon reports a rare market phase where pricing is softening and capacity is expanding, even as systemic global risks continue to escalate. This “unusual moment” in the insurance landscape has created temporary relief for insurance buyers. Yet, the underlying risks, including geopolitical tensions, cyber threats, […] The post Aon Q2 2025 Market Insights: Softening Insurance Prices Amid Mounting Global Risks appeared first on My

Risk

Word & Brown

JULY 31, 2025

Your first year as a health insurance professional can be challenging, but also rewarding. There’s nothing quite like the feeling of fulfillment when you’re able to help a business and its employees get the valuable coverage they need. To help you maximize your opportunities and improve your likelihood of success, we present this checklist for your first year.

Broker

LexisNexis

JULY 29, 2025

Learn about the implications of form policies in regulatory disputes and coverage litigation. Read now » Related Content Standard Insurance Policy Forms: Implications in Regulatory Disputes and Coverage Litigation Checklist Review how policyholder and insurance company attorneys can best utilize standard insurance policy forms, including the fundamental role such forms play in regulatory and coverage disputes.

Insurance Policy

Insurance Journal

JULY 29, 2025

Natural disasters across the globe cost insurers US$80 billion during the first half of 2025, up from $64 billion in H1 2024, according to Munich Re’s mid-year natural disaster report.

Claim

Advertiser: Trellis

Insurance professionals use Trellis to streamline claims management by analyzing legal trends, predicting outcomes, and strategizing effectively to serve clients better. Adjusters can evaluate claim validity, estimate settlement amounts, and identify potential litigation risks. Trellis' extensive State Trial Court Data can be leveraged to identify opposing/outside counsel and top mediators for insurance matters, evaluate the risk of new claims by viewing similar claim litigation history, and mor

Claim

Top Insurance Blogs

JULY 28, 2025

In a serious cybersecurity incident, Allianz Life Insurance Company of North America has confirmed that personal data belonging to the majority of its 1.4 million U.S. customers has been compromised. The data breach on Allianz Life was traced to a third-party cloud-based customer relationship management (CRM) platform, which fell victim to a social engineering attack. […] The post Allianz Life Confirms Major Data Breach Impacting Millions of Americans appeared first on My Top Insurance Blo

Life Insurance

The Property Insurance Law Observer

JULY 31, 2025

In Mandarin Oriental, Inc. v. HDI Glob. Ins. Co. et al., Civil Action No. 23 Civ. 4951, 2025 WL 1638071 (S.D.N.Y. June 10, 2025), the District Court of the Southern District of New York followed the modern trend and allowed discovery of reserve and reinsurance information in coverage litigation with allegations of bad faith. Facts The insured’s claim arose out of business interruption losses due to a shutdown of its business during the COVID-19 pandemic.

Business Interruption

Property Insurance Coverage Law

JULY 27, 2025

In the latest episode of Claim Game, I sat down with Steven Bush to dissect the state of insurance claims handling, particularly following major catastrophes like hurricanes or wildfires. This conversation offers a revealing look at how the claims process is evolving and, in many cases, not for the better when it comes to policyholders’ … The post A Deep Dive into Insurance Claims: Insights from Chip Merlin’s Interview with Steven Bush appeared first on Property Insurance Coverage Law Blog

Insurance Claim

Insurance Journal

AUGUST 1, 2025

The California Department of Insurance completed a review of the KCC US Wildfire Reference Model Version 3.0, making it the state’s second wildfire catastrophe model.

Property Insurance

Agency Height

JULY 31, 2025

Skip to content For Agents Agent Login Log in to your agent profile Add Your Agency Create a profile and connect with quality leads. Advertise with Us High engagement with the right audience Agency Services Insurance Back-Office Outsourcing Companies Licensing Management Services Agency Blog & Resources Expert guide to grow your insurance career Insurance Agencies for Sale The #1 marketplace for insurance agency acquisitions Agency Acquisition Resources Buy, sell, or value your agency easily.

Premium

Top Insurance Blogs

JULY 30, 2025

New Zealand’s insurance industry in 2025 is both dynamic and highly concentrated. If you are searching for the largest and fastest-growing insurance companies in New Zealand, I’ve got you covered. IAG New Zealand and Suncorp dominate the general insurance market, while life and health insurers continue to show robust growth. Below, I profile the top […] The post Top 10 Insurance Companies in New Zealand by Market Size (2025) appeared first on My Top Insurance Blogs.

Insurance Companies

Property Insurance Coverage Law

JULY 30, 2025

A decision last week reinforces a harsh reality for policyholders who conduct business through corporations or limited liability companies: if the person or officer controlling the company commits fraud in the course of an insurance claim, the insurer can usually deny coverage not just to that wrongdoer, but to the entire business. 1 The case … The post Why One Man’s Lies Cost a Business $1.96 Million in Insurance: Understanding the Innocent Insured Doctrine appeared first on Property Insu

Policyholder

Insurance Journal

JULY 31, 2025

PERILS AG, the independent Zurich-based company that provides industry-wide catastrophe insurance data, announced the inclusion of severe convective storm (SCS) industry loss reporting for Europe (Austria, Belgium, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Switzerland, United Kingdom), Japan and New Zealand.

Insurance

Paragon Independent Insurance Agencies

JULY 31, 2025

If you’re managing a large corporation or a small tech start-up in Plano, TX, disruption insurance is highly recommended. In the event of a sudden disaster, such as a utility outage or severe storm, adequate protection is essential. At Paragon Independent Insurance Agency, we specialize in helping our clients with business disruption insurance (also referred to as business interruption insurance) throughout Plano and beyond.

Business Interruption

Top Insurance Blogs

JULY 30, 2025

AXIS Capital Holdings has announced a solid financial performance for Q2 2025, marked by increases in both net income and operating income when compared to the same quarter last year. This growth highlights the insurer’s continued resilience and strategic focus on its core insurance operations. Strong Earnings Reflect Strategic Execution The company posted a net […] The post AXIS Capital Q2 2025 Results: Strong Growth in Insurance Despite Reinsurance Dip appeared first on My Top Insurance

Insurance

Property Insurance Coverage Law

AUGUST 1, 2025

The California Department of Insurance has taken an aggressive step to protect wildfire survivors, filing an Order to Show Cause against the California FAIR Plan Association for systematically denying and limiting smoke damage claims. 1 Commissioner Ricardo Lara announced the action in a press release following a surge of consumer complaints from residents affected by … The post Smoke, Ash, and Denials: FAIR Plan Faces Legal Fire Over Wildfire Smoke Damage Claims appeared first on Property

Damage

Insurance Journal

JULY 31, 2025

Willis Towers Watson beat Wall Street estimates for second-quarter profit on Thursday, driven by a strong performance in its risk and brokerage business.

Broker

Rough Notes

AUGUST 1, 2025

Three key strategies to help you thrive in the life insurance industry By Paul A. Quaranto Jr. The life insurance industry has come a long way—and consequently, so have the experience and expertise needed to keep it moving forward.

Life Insurance

Top Insurance Blogs

AUGUST 1, 2025

AXA Insurance UK PLC has secured a significant legal victory in a commercial property insurance case that’s sending ripples through the UK insurance sector. On July 31, 2025, the High Court in London ruled in favour of AXA in the case brought by Mode Management Ltd and property owner Gary Tregunno. At the heart of […] The post AXA Insurance Wins Legal Battle Over Voided Property Insurance Policy appeared first on My Top Insurance Blogs.

Property Insurance

Shield Insurance Agency

JULY 30, 2025

Michigan is known for its beautiful Great Lakes, scenic rivers, and lush landscapes. However, these natural features also make certain areas of the state more vulnerable to flooding. Whether you live near the shores of Lake Michigan or along the banks of the Grand River, understanding your flood risk is crucial. At Shield Insurance Agency , we’re here to help Michigan homeowners navigate the complexities of flood insurance and protect their properties.

Risk

Insurance Journal

JULY 29, 2025

AM Best has upgraded the Financial Strength Rating to A- (Excellent) from B++ (Good) and the Long-Term Issuer Credit Rating to “a-” (Excellent) from “bbb+” (Good) of New Horizon Insurance Company based in Houston, Texas.

Insurance Companies

Rough Notes

AUGUST 1, 2025

From up-front planning to ongoing assessment, here’s advice to expand your agency’s reach By Mark Brandt Any task is easier when you break it into manageable steps. If you want to open a commercial insurance agency (or expand your personal lines agency into commercial lines), the following 10 steps can help you achieve success.

Commercial

Top Insurance Blogs

AUGUST 1, 2025

Arthur J. Gallagher & Co., a global leader in insurance brokerage and risk management services, has announced impressive financial results for the second quarter of 2025. With significant growth in key financial metrics and continued momentum in strategic acquisitions, the company is solidifying its position in the global insurance and risk advisory landscape.

Insurance

Property Insurance Coverage Law

JULY 26, 2025

In a significant win for a church, a United States District Court in Texas recently issued a decisive ruling in First Baptist Church of Sour Lake v. Church Mutual Insurance Company. 1 The case centered on an insurance coverage dispute involving a reduction in policy limits without adequate notice, and the outcome reinforces key consumer protections … The post Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded appeared first on Property Insurance Coverage Law Blog.

Damage

Insurance Journal

JULY 28, 2025

Bridgehaven Europe Holdings Ltd., the UK hybrid fronting insurer in commercial and specialty lines, has entered into an agreement to acquire the Dublin-based insurer, SureStone Insurance DAC.

Commercial

LexisNexis

JULY 30, 2025

CA Regulators Complete Review of Wildfire Risk Model California’s Department of Insurance has completed a review of the state’s first wildfire catastrophe model, which property/casualty insurers can now begin using to assess wildfire risk when setting rates. The major change to the ratemaking process is part of a new regulatory framework created to address a homeowners insurance crisis in the state, with rates rising and availability falling.

Risk

Top Insurance Blogs

JULY 31, 2025

The insurance industry in Belgium is dominated by a few major players, who collectively control around 70–80% of gross written premiums across life and non‑life lines. This article offers an in-depth examination of the top 10 insurance companies in Belgium, based on premium volume, the policies they specialize in, and what sets them apart. If […] The post Top 10 Insurance Companies in Belgium by Premiums for Expats appeared first on My Top Insurance Blogs.

Insurance Companies

Property Insurance Coverage Law

JULY 26, 2025

In a significant win for a church, a United States District Court in Texas recently issued a decisive ruling in First Baptist Church of Sour Lake v. Church Mutual Insurance Company. 1 The case centered on an insurance coverage dispute involving a reduction in policy limits without adequate notice, and the outcome reinforces key consumer protections … The post Church Mutual Loses Jury Trial With Extra-Contractual Damages Awarded appeared first on Property Insurance Coverage Law Blog.

Damage