Reinsurance, specialty markets, captives, CAT bonds, parametric and complex risk explainers.
A consumer guide to pet insurance waiting periods, pre-existing condition definitions, medical-record reviews, accident and illness coverage, and wellness add-ons.
A homebuyer guide to owner's and lender's title insurance, including who each policy protects, one-time premiums, title defects, exclusions, shopping and refinancing…
A homeowner-friendly explanation of how insurers use reinsurance for catastrophe risk, why reinsurance costs can influence rates, and what reinsurance does not…
A practical explanation of the main reinsurance collateral tools used to support credit for reinsurance, including trusts, letters of credit and funds…
How reinsurance intermediary-brokers and intermediary-managers differ under the NAIC model framework, including authority, contracts, records, funds and oversight.
Understand how reinsurance hours clauses group catastrophe losses into an occurrence, why 72-, 96- or 168-hour windows can matter, and how wording…
Credit for reinsurance determines when a ceding insurer can recognize reinsurance recoverables for regulatory purposes. Learn how collateral, certified reinsurers, reciprocal jurisdictions…
Follow-the-settlements and follow-the-fortunes clauses can limit a reinsurer’s ability to relitigate good-faith cedent decisions, but they do not erase the reinsurance contract.…
How ceding commissions work in proportional reinsurance, why reinsurers reimburse acquisition expenses, and how flat, sliding-scale and profit commissions differ.
A comprehensive guide to surety bonds and how they differ from insurance, including principal-obligee-surety roles, bid, performance and payment bonds, indemnity agreements,…