Divya Sangameshwar

Insurance companies must evolve from safety nets to proactive leaders as climate disasters reshape risk management. Here are four ways they can.

The crisis calls for collaboration on some combination of state-run plans, offerings from surplus lines insurers, litigation reform and risk mitigation.

Electric vehicles cost about 20% more to insure than internal combustion engine vehicles do--but the hurdle can be overcome. 

With drivers concerned about rising premiums, there is a prime opportunity to win them over to telematics.

Satellites and drones, AI-based analytics and photo analysis, and blockchain can reduce insurance fraud greatly. 

Homeowners insurance providers are under extreme financial pressure, especially in certain parts of the country, so homeowners are, too.

75% of Americans say gun owners should have to carry liability insurance, which could encourage more care on handling and storage.