One of the more fascinating aspects of insurance, especially now, involves emerging risks.

These are often new technologies that bring with them great advancements but also new hazards that have not been contemplated, handled or previously rated. One of the bigger challenges with emerging risks is keeping up with the changes; new aspects arise rapidly, legislation develops and changes almost immediately, and new problems arise before anyone can really get a handle on the situation.

Here is a look at the current status of some emerging risks; what's happening now, but may be different next month, if not next week:

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Eyes in the sky

Drones, or unmanned aircraft, have become incredibly popular over the last few years. They are different from radio-controlled aircraft in that they can be flown completely autonomously, can be used to assist firefighters and police, deliver packages, map property, monitor traffic and many other useful purposes, as well as be purely recreational. However, there are countless issues involved with their use, especially when it comes to privacy. A drone with a camera can be used to peek in windows, a serious privacy issue.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.