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J. Steven Cruz

J. Steven Cruz is vice president for commercial property, Verisk – insurance solutions. You can contact him at for more information about Verisk’s Commercial Lines field analysts, survey services, and survey reports.

June 27, 2018

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.

Cable 002
February 13, 2018

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…

October 9, 2017

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.

August 28, 2017

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…

August 21, 2017

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.

August 15, 2017

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…

July 31, 2017

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.…

Pumpkin Teaser
June 23, 2017

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,…

May 24, 2017

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…