Each of the five STEMS factors have a significant role in insurance, claims adjustment, and risk management. For example, without engineering loss control would be useless.

Minerals and other natural resources have made America a rich nation. To continue to thrive, these resources (and their associated risks) must be handled with care.

Man has always yearned to fly, but at what expense? Risk-managing air and space involves hardware, government, and private enterprises.

Adjusters must be prepared to handle water transportation claims, whether they involve a bass boat with an out-board motor or an oil tanker with a multi-million dollar cargo.

Which states seem to be investing in their roads and highways while safeguarding those who navigate them?

The first in a thought-provoking series on managing infrastructure-related risk and loss.

The insurance industry learns from every catastrophe. Consider what Hugo did to Charleston, Ivan to Pensacola, or Sandy to the eastern seaboard. The future could hold even bigger storms.

The insurance industry learns from every catastrophe. Consider what Hugo did to Charleston, or Ivan to Pensacola. Miami got the big storm, but the future could hold even bigger storms.