Companies considering an "embedded insurance" model must confront the complicated, confusing world of the U.S.'s state-based insurance regulatory regime.

The appointment follows the retirement of state Insurance Commissioner Jim Ridling at the end of June.

Standard property insurance may not cover art and artifacts. Initiate the conversation now to help protect such valuables.

Claims related to fire or lightning tend to be the most costly of all, with each averaging just over $77,000.