The U.S. property insurance market is undergoing a seismic shift. As wildfires, hurricanes, and floods grow more frequent and severe, insurers are embedding environmental ESG …
Case Study: Parametric Insurance Payoffs after Major Us Natural Disasters
TL;DR: Parametric insurance pays fixed sums automatically when a predefined trigger—like a hurricane’s wind speed or an earthquake’s magnitude—is met. After major US disasters, parametric …
Parametric vs. Traditional Insurance: Which Is Better for Climate Disasters?
Climate change is rewriting the rulebook for US property insurance. With wildfire seasons extending, hurricanes intensifying, and flood risks rising, traditional insurance premiums have surged …
The Pros and Cons of Parametric Insurance for Homeowners in High-risk Zones
As climate change fuels more intense hurricanes, wildfires, and floods, homeowners in high-risk zones face skyrocketing property insurance premiums—or outright non-renewal. Traditional indemnity insurance is …
How Parametric Triggers Are Changing Catastrophe Risk Management?
Rising temperatures fuel stronger hurricanes, longer wildfire seasons, and flash floods. US property insurance premiums have surged 30–40% in high‑risk states since 2020. Insurers are …
Parametric Insurance: a Faster Payout Model for Hurricane and Wildfire Losses
As climate change intensifies hurricane seasons and wildfire seasons across the U.S., homeowners and businesses face longer recovery times and rising premiums. Traditional indemnity insurance …
How Platform Companies Can Manage Workers’ Comp Risks for Gig Workers?
The gig economy is exploding, but workers’ compensation coverage for independent contractors remains a fragmented, high-risk puzzle. Platform companies face mounting liability as more workers …
State-by-state Variations in Workers’ Comp for Independent Contractors
The gig economy has blurred the line between employee and independent contractor—especially when it comes to workers’ compensation. Unlike traditional employees, independent contractors are generally …
New Insurance Models for Gig Economy Workers: a Critical Review
The gig economy now accounts for over 36% of the U.S. workforce, yet most independent contractors remain without workers’ compensation or liability coverage. As climate …
Liability Gaps in the Gig Economy: Who Pays When a Worker Gets Hurt?
The gig economy has exploded across the U.S., but the safety net for workers hasn’t kept up. When a delivery driver or rideshare operator gets …