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Adjusters and agents often use the term "sudden and accidental" when deciding why a loss should or should not be covered.

Bader Law: Real-time evidence helps reduce fraud and enhance road safety.

Common coverage exclusions include tobacco, pharmaceuticals, cannabis and firearms.

Once flames are near, it may only be minutes before an entire property is engulfed.

Social inflation, insure-to-value and supply chain shortages are major issues for independent agencies to manage.

Pacific Palisades is a prime example of what happens when a fire ignites in the wildland-urban interface, or WUI.

Insurance technology news from Evolution Risk Partners, Sollers Consulting and ZestyAI.

Some risks are still difficult to insure, even with increased capacity.