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Catastrophe Risk guides
Catastrophe bonds and ILS: how they work and who they affectA cat bond lets investors fund disaster reinsurance and lose principal if a trigger is hit. How it works, what 2026 data shows and why buyers feel it.Filing business insurance claims after a hurricane or wildfireHow to protect property, report the loss, sort wind from flood and smoke from fire, claim business income and work the clocks after a hurricane or wildfire.Catastrophe models: how insurers price hurricanes, quakes and firesHow catastrophe models turn simulated storms and quakes into loss estimates, why your building data moves your premium, and where models fall short.Climate change and the commercial insurance marketHow rising catastrophe losses reach commercial property buyers through price, deductibles, roof terms and availability, and what to check at renewal in 2026.Earthquake insurance for businesses: coverage, deductibles, limitsCommercial property policies exclude earthquake. How the endorsement or DIC policy works, why deductibles run 2% to 5% of values, and what underwriters ask for.Difference in conditions (DIC) policies: what they cover and when to buyA DIC policy sits beside your property cover and adds flood, earthquake and other excluded perils, usually from surplus lines insurers with big deductibles.Hurricane season and commercial property insurance: what to do before a stormWind is covered, flood is not, and deductibles can swallow the claim. A pre-season checklist, binding limits once a storm forms, and the 2026 season in context.The January 1 reinsurance renewals explained: the 2026 resultsWhy January 1 sets the reinsurance market, what Guy Carpenter, Gallagher Re and Howden Re reported for 1/1/2026, and how softer cat pricing reaches buyers.Parametric insurance for businessesHow parametric policies pay a fixed amount when a measured trigger is hit, where they fit beside property cover, what basis risk means and what to check.Secondary perils: the storms, floods and fires that are not hurricanesSecondary perils (hail, tornado, wildfire, flood, freeze) drove 92% of 2025 global insured catastrophe losses. What they are and how they change policy terms.Severe convective storms: hail, tornadoes and rising insured lossesHail and wind cost U.S. insurers about $51 billion in 2025. Why it is a frequency problem, how carriers set roof and deductible terms, what to do.Terrorism insurance and TRIA: how the federal backstop worksTRIA requires insurers to offer terrorism cover and shares losses after a certified attack. How it works, what it costs, and what to decide at renewal in 2026.