Insurance Financial Strength Ratings Explained: AM Best, S&P, Moody’s and Fitch
Learn what insurer financial-strength ratings measure, why AM Best, S&P, Moody’s and Fitch use different scales, and how to check the correct…
Tag: Global
Reinsurance Sidecars Explained: How Alternative Capital Shares Catastrophe Risk
Learn how reinsurance sidecars use special-purpose vehicles and investor capital to assume defined books of risk, often property catastrophe business, and how…
Data Breach Response Coverage: Forensics, Notification, Credit Monitoring and Crisis Costs
Understand data-breach response coverage in cyber insurance, including digital forensics, privacy counsel, notification, call centers, credit monitoring, crisis communications and consent requirements.
Baggage Insurance Explained: Lost, Stolen and Delayed Luggage Coverage
Learn how travel insurance can cover lost, stolen, damaged or delayed baggage, including secondary coverage, delay benefits, valuables sublimits and documentation needed…
Fronting Insurance Explained: How Captive and Global Programs Use Fronting Carriers
Learn how fronting insurance works when a licensed carrier issues policies and transfers much of the risk to a captive or reinsurer,…
Technology E&O vs. Cyber Insurance: What Tech Companies Need to Know
Compare technology errors and omissions insurance with cyber insurance, including failed technology services, data breaches, ransomware, first-party costs and third-party liability.
Retrocession Explained: How Reinsurers Transfer Reinsurance Risk
What retrocession is, why reinsurers buy it, how traditional retrocession and ILS can protect capital, and what risks remain after transfer.
Ransomware and Cyber Insurance: Extortion, Data Restoration, Business Interruption and Claim Response
How cyber insurance can respond to ransomware, including extortion, incident response, data restoration, business interruption and key claim conditions.
Per-Risk vs. Per-Event vs. Stop-Loss Reinsurance: How Excess-of-Loss Structures Differ
A practical comparison of per-risk, per-event catastrophe and aggregate stop-loss reinsurance, including attachment points, retentions and the losses each structure is designed…
First-Party vs. Third-Party Cyber Insurance: Coverage Differences Explained
Understand how first-party and third-party cyber insurance respond differently to breach response, data restoration, business interruption, liability claims and regulatory costs.