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Emerging Risks guides
Active assailant insurance: what it covers and what standard policies missActive assailant policies pay for crisis response, lost income and liability after an armed attack that standard property and liability forms may not reach.AI liability insurance: how insurers are treating artificial intelligence riskInsurers are adding generative AI exclusions to CGL, D&O and E&O forms while a few markets sell affirmative AI cover. What to check in your policies in 2026.Insuring a cannabis business: why coverage is hard to findFederal prohibition, banking rules and reinsurance limits keep most cannabis cover in the surplus lines market. Where rescheduling stands in October 2026.Emerging risks insurers are watching in 2026AI, systemic cyber, PFAS, litigation costs, secondary perils and heat are changing policy wording. What insurers are doing and what to ask your broker.Environmental site liability and contractors pollution coverageSite pollution liability covers contamination at property you own, buy or lease; contractors pollution liability covers jobsite releases. Terms and 2026 market.PFAS "forever chemicals" and liability insurance: exclusions and gapsInsurers now attach PFAS exclusions on top of the pollution exclusion. What the policies say, how older coverage fits, and what to check at renewal.Pollution liability insurance and the pollution exclusionWhy general liability excludes pollution, how courts read the exclusion, and what site, contractor and transportation pollution policies cover.Reputational risk: can you insure it?Standard policies pay for specific harms, not a damaged brand. How crisis management and reputational harm cover works, its triggers, and what stays uninsured.Supply chain risk and insurance: what is covered and what is notHow to map and score supplier risk, which insurance lines respond to supply chain losses, and the disruptions no policy covers: tariffs, strikes, insolvency.Workplace violence prevention and insuranceOSHA has no workplace violence standard, but California and New York do. How a prevention program works and which policies respond when violence happens.