Commercial Lines

Market cycles are diminishing greatly because sophisticated analytics let insurers price risks individually, not based on market psychology.

Too much of the discussion to date has been devoid of any spirit of inquiry, as "opt-out" opponents attempt to promote class warfare.

Preventing "fact-cidents" in workers' comp -- "accidents" devoid of factual backing -- is time-consuming but not that complicated.

Nurse case management has been underappreciated in workers' comp but should be integrated into the process in a significant role.

Workers' comp costs can be reduced by, for instance, preventing fraud through surveillance and familiarity with investigative tools.

The appeals court's long-awaited decision is a knockout blow that lets the California legislature stop lien litigation madness.

Benefit plan coverages and employer liability exposures are much more favorable for injured workers than "opt-out" opponents suggest.

Workers comp fraud just isn't taken seriously enough, perhaps because it's hard for so many to see insurance companies as victims.