The marketplace for directors' and officers’ liability insurance is changing, but what those changes ultimately will mean is not yet clear. In a classic case of cause and effect, litigation and losses that have been pressuring D&O insurers for some time are prompting underwriters to raise rates, tighten terms and conditions, and cut capacity. D&O for public companies has changed dramatically, and financial pressures are now forcing changes to coverage for private and nonprofit organizations as well.

The sharing economy reaches far beyond rides and vacation rentals. Entrepreneurs are creating on-demand solutions wherever the sharing approach shows promise, targeting everything from services such as deliveries, home repairs and gardening to sharing personal property including baby strollers, tools and formal wear.

Active assailants continue to threaten businesses, houses of worship, schools and public events across the United States. Reported instances of workplace violence, ranging from threats to physical assaults and homicides, impact nearly 2 million Americans each year.

Commercial trucking serves as a barometer for the economy. It represented nearly 71% of the tonnage carried by all modes of domestic freight transportation in 2017, including manufactured and retail goods. With more trucks on the road, there were also more accidents, including a rise in fatalities. Trucks were involved in 59% more accidents per mile than in 2010, despite the new technologies and the best efforts of regulators, according to the American Trucking Association (ATA). Further, the number of people who died in large truck crashes was also 30% higher than in 2009, when it was the lowest it has been since the collection of fatal crash data began in 1975.

There is no one perfect insurance policy for all clients, but retail agents can help their insureds find appropriate coverage forms by focusing on the exposure. This is especially true of cyber liability insurance.