Thought Leadership


Insights on emerging trends, current events, career development, and more

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Risk & Insurance

Risk & Insurance® covers the people, stories and risks that embody the essential functions of risk management and commercial insurance. We strive to identify emerging risks and mitigation strategies, while covering the fascinating people who drive the industry forward.

In December of 2019, The Institutes, a nonprofit insurance industry thought leadership and education organization, closed on its acquisition of Risk & Insurance®.

44 minutes ago

When new homeowners close on a house, there is a need for the home’s title to switch to their names.

12 hours ago

Insurance Office of America Expands West Division

21 hours ago

In June, Dan Reynolds, the editor-in-chief of Risk & Insurance®, got the chance to connect with Katherine Short, who is based in Lexington, Kentucky and works in AXA XL’s equine business as a claims specialist.

1 day ago

The Affordable Care Act (ACA) extended health coverage to more than 20 million uninsured Americans and strengthened consumer protections. However, the legislation did not substantially modify employer-sponsored coverage, the primary source of private health insurance in America.

1 day ago

The regulatory and legal landscape of medical marijuana continues to shift and as we look to 2023 many questions still need answers.

2 days ago

You don’t have to walk very far to hear someone griping about supply chains these days.

3 days ago

CVS, Rite Aid, Walgreens Under Fire for Opioid Crisis in New Hampshire The case: The New Hampshire attorney general filed suit against CVS, Rite Aid, Walgreens and their subsidiaries, calling them “ ‘the last link in the opioid supply chain and the critical gatekeeper be

4 days ago

Insurance companies have always analyzed the frequency and severity of weather events.

4 days ago


Insurance Thought Leadership

Insurance Thought Leadership is a global network of thought leaders and decision makers transforming the insurance and risk management marketplace through knowledge sharing, big ideas, innovative technology, and real-life applications.

Insurers with future-ready operations are 2.8 times more profitable and 1.7 times more efficient than their peers. Yet only one in 10 insurers is at that stage.

6 hours ago

Natural language processing can transform a burdensome process, freeing claims professionals to apply their expertise where it makes the biggest difference.

1 day ago

There is no simple cure to the ills of social inflation, but a sustained and consistent effort by insurers can start to address some of the symptoms.

1 day ago

In theory, they'll be safer, if only because the massive battery power will allow for a profusion of sensors and related safety devices. But we all know how theories can play out in practice.

2 days ago

While the metaverse is still largely theoretical, providers of group and voluntary benefits might be able to capitalize on this emerging technology. Let’s speculate!

2 days ago

It will take more than raising premiums and putting more limits on the businesses that can qualify for cybersecurity insurance to prevent increased claims and higher costs.

2 days ago

Coastal home and business owners need adequate protection now as much as ever, especially as climate change leads to more severe and frequent storms. 

6 days ago

ITL FOCUS is a monthly initiative featuring topics related to innovation in risk management and insurance. This month, we're focusing on Workers Comp

5 days ago

Mark Walls, vice president, client engagement, at Safety National and long my go-to person on workers' comp, says the industry faces a major issue with staffing -- actually, two major issues. 

5 days ago

AI can let insurers spot fraudsters faster and more efficiently, while separating otherwise-well-meaning offenders from the the serious thieves.

1 week ago


The CLM is dedicated to meeting the professional development needs of the claims and litigation management profession. CLM Magazine delivers news and thought-leadership content.

Let’s turn our gaze to the future by chatting with CLM’s CEO to see what the non-profit has planned for members and fellows this year and beyond

1 day ago

Florida legislature attempts to cool a white-hot property litigation market

2 days ago

The definitive timeline of CLM’s biggest moments

2 days ago

We asked members and fellows about their favorite CLM moments. Here’s what they said

1 week ago

It’s hard to believe that 15 years have passed since those early days of CLM

1 week ago

On our 15th anniversary, CLM’s past Professionals of the Year discuss what winning the award meant to their careers and beyond

1 week ago

What claims professionals should know about non-party discovery served directly to insurers

1 week ago

A good strategy will pay dividends come resolution time. Here’s how to get there

1 week ago

What do our two experts have to say about the challenges facing the restoration industry?

1 week ago

Bad faith and the interplay between primary, excess, and umbrella coverages

1 week ago

The Institutes Risk & Insurance Knowledge Group logo

The Institutes’ Board of Trustees Appoints
New Members

The Institutes have appointed five new members to its Board of Trustees, including J. Powell Brown, MBA, CPCU, Carl Hess, FSA, CERA; John J. Marchioni,  CPCU; and Leonid Rasin, MA, FCAS and Thomas M. Troy, CPCU, The new members terms were effective as of June 15.

Insurance Research Council; Affiliated with The Insititutes

Majority of U.S. Agrees Attorney Ads Increase Number of Lawsuits, IRC Survey Finds

Most Americans believe attorney advertising increases the number of liability claims and lawsuits and more than half link these ads to higher insurance costs. Awareness of litigation financing has also increased, but many Americans remain unsure what to think of the practice, according to a new survey by the Insurance Research Council (IRC), a division of The Institutes. 

The Institutes Risk & Insurance Knowledge Group logo

The Institutes’ Board of Trustees Appoints Risk Management and Insurance Leaders as New Chair and Vice Chair

The Institutes have appointed John Howard, chairman and chief executive officer (CEO) of Truist Insurance Holdings, Inc., and W. Robert Berkley Jr., president and CEO of W. R. Berkley Corporation, as chair and vice chair, respectively, of the organization’s Board of Trustees.

Black Insurance Industry Collective logo

New Industry Initiative Launches to Advance Racial Diversity and Equity Black Insurance Industry Collective to expand leadership development for Black professionals

The Black Insurance Industry Collective (BIIC), a newly-formed non-profit organization affiliated with The Institutes, today announced its launch. The BIIC is focused on accelerating the advancement of Black insurance professionals.

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RiskStream Collaborative® First Notice of Loss Product, Rapid X, Now Available

Guidewire (NYSE: GWRE) and The Institutes RiskStream Collaborative® announced that RiskStream’s new Ready for Guidewire validated accelerator for ClaimCenter is now available in the Guidewire Marketplace. Guidewire users can use RiskStream’s Rapid X blockchain application to exchange loss information with other insurers more quickly and accurately.

Insurance Information Institute logo

Triple-I and HBCU Impact® Partner to Recruit Black Talent Nationwide

The Insurance Information Institute (Triple-I) and the HBCU I.M.P.A.C.T. Initiative, Inc.® (IMPACT) announced a partnership and a career-building campaign aimed at recruiting students at historically Black colleges and universities (HBCUs) to the insurance industry.

CPCU Society logo

Society Launches Facilitated Study Groups for CPCU Students

Professionals working towards earning their CPCU designation can now have the added support of Facilitated Study Groups offered by the CPCU Society.

CLM logo

Vic Marmo Named 2022 CLM Lifetime Achievement Award Winner

Vic Marmo, ARM, CLMP, Assistant Vice President, Risk Management-Claims, Marriott Vacations Worldwide Corporation, announced as recipient of the 2022 CLM Lifetime Achievement Award.

Insurance Information Institute logo

Triple-I Report Finds Insurers Are Managing Economic Volatility

U.S. insurers are seeing premium and investment income growth in 2021, favorable trends offset by increases in inflation and the combined ratio, according to a new report from the Insurance Information Institute (Triple-I).

The Institutes Griffith Foundation logo

Griffith Foundation Presents Charles Chamness With 2021 Lifetime Achievement Award

Charles Chamness, retired president and chief executive officer of the National Association of Mutual Insurance Companies, was presented with The Institutes Griffith Insurance Education Foundation’s 2021 Lifetime Achievement Award during a ceremony at the NAMIC Annual Convention.

Catastrophe Resiliency Council logo

Catastrophe Resiliency Council (CRC) Announces New President

Christopher G. McDaniel, president of The Institutes RiskStream Collaborative, has been tapped to lead The Institutes' newest consortium, the Catastrophe Resiliency Council (CRC).

RiskStream Collaborative logo

The Institutes RiskStream Collaborative™ Announces 2021 Award Winners

The Institutes RiskStream Collaborative™ announced its 2021 Leadership, Collaborator, and Innovator awards, which were were presented to Auto Club Enterprises, CSAA Insurance Group, Nationwide, Securian Financial, and Liberty Mutual.

CLM logo

CLM Appoints Ronna Ruppelt as New Chief Executive Officer

The Claims and Litigation Management Alliance (CLM), which is affiliated with The Institutes Risk & Insurance Knowledge Group, is pleased to announce the appointment of Ronna Ruppelt as the new Chief Executive Officer.

Insurance Information Institute logo

Insurance Information Institute and The Institutes Risk & Insurance Knowledge Group Finalize Affiliation

The Institutes Risk & Insurance Knowledge Group announced plans to finalize its affiliation with the Insurance Information Institute (Triple-I) on November 16, 2020. Triple-I is a long-standing, trusted source of unique, data-driven research and insights on insurance.


The Institutes Risk & Insurance Knowledge Group logo

Marita Zuraitis and John Howard Appointed Chair and Vice Chair of The Institutes Risk & Insurance Knowledge Group

The Institutes Risk & Insurance Knowledge Group has appointed Marita Zuraitis, chief executive officer of The Horace Mann Companies, and John Howard, chairman and CEO of Truist Insurance Holdings, Inc., as chair and vice chair, respectively, of the organization’s Board of Trustees.