J. Steven Cruz
The challenges of craft-style microdistilleries for commercial underwriters
The proliferation of craft-style microdistilleries has generated a new set of loss exposures in the alcohol service industry.
Which picture shows the worst electrical risk? You make the call!
Insurers rely on data and analytics to help them mitigate risk, project future losses, and set premiums. Much of that information is delivered automatically, and insurers…
Sprinkler Plan Review Service benefits insurers, developers, and municipalities
The National Fire Protection Association’s (NFPA) NFPA 13 has long been the gold standard for reviewing the installation of fire sprinkler systems.
Hurricane preparation for underwriters
Since April 2011, Verisk’s ISO field analysts have collected enhanced wind rating data from building surveys, including information on more than 40 characteristics…
How safe is that hotel room from CO risk?
Insurers and hotel operators should know the risks associated with common hotel systems that could produce deadly CO.
Implementing the right workplace safety incentive program
A workplace safety incentive program can be positive and something an insurer should support, but it depends upon the program and how it’s implemented. However, an…
Escaping ‘escape room’ risk
Escape rooms, where, for a fee, people are intentionally locked in and must find clues and solve intellectual puzzles in a certain amount of time to escape, are popular.…
Move over MacDonald: The new face of farming is changing underwriting
Farming has changed a lot since the early 20th century nursery rhyme put Old MacDonald’s farm on the map. From Sarasota to Sausalito, America’s predominantly small,…
A day in the life of a property inspector
Surveys, inspections, and site visits are an integral part of gathering reliable, up-to-date information on commercial properties and the risks they pose. The data is…