ZeroEyes, a tech company backed by The Institutes’ Predict & Prevent podcast, has developed AI-powered gun detection technology that combines human verification to curb gun violence. Through partnerships with schools and businesses, this system aims to protect communities, delivering alerts and minimizing bias by focusing solely on weapon detection.

Severe hailstorms in the U.S. have led to record insurance losses, with hail damage growing due to rising urbanization, climate change, and frequent severe convective storms. Enhanced monitoring projects promise insights to mitigate future risks.

The U.S. Supreme Court recently declined to stay the EPA’s greenhouse gas emissions standards for coal-fired power plants, requiring plants expected to operate beyond 2039 to meet emission targets by 2032 or close by 2039. Legal challenges continue in lower courts.

The 4-M parametric model, widely used for natural disaster insurance, is now being adapted to cover reputation risks, allowing businesses to mitigate financial impacts from reputational crises as effectively as from physical catastrophes.

The on-demand economy is booming, yet drivers still face challenges accessing tailored auto insurance. Embedded insurance offers a seamless solution, streamlining coverage for the modern gig workforce.

Following Hurricane Helene’s landfall in Florida, over 54,000 NFIP flood insurance claims have been filed, with FEMA reporting $480 million in early claims payments. This storm, among the most significant for NFIP, may see more claims as impacted areas become accessible.

A Texas A&M study shows a nearly 20% increase in extreme rainfall during storms like Hurricane Helene, linking climate change to intensified flooding risks across the southeastern United States.

The devastation from Hurricane Helene reveals a significant inland flood-protection gap, particularly in flood-prone communities without sufficient insurance coverage, where misinformation and funding challenges further slow recovery efforts.

With premiums on the rise and limited access to long-term care insurance, the industry is exploring innovative solutions to expand coverage, reduce costs, and better prepare Americans for the high cost of senior care.

The Institutes have introduced the Associate in Cyber Risk Management (ACRM) designation to equip risk managers, underwriters, and brokers with advanced knowledge and skills in managing cyber risks, a top concern for modern businesses.

Hurricane Milton has resulted in over $2 billion in insured losses in Florida, with more than 230,000 claims filed. Most claims are for residential properties, and 12.8% have been closed so far.

As natural disasters become more frequent, lawsuits are shining a light on employer responsibility for worker safety. Recent cases in Tennessee and Kentucky highlight the legal risks companies face without proper emergency plans.

The latest LexisNexis "True Cost of Fraud" Study highlights increasing fraud costs in SNAP programs, emphasizing the impacts of EBT skimming, integrated eligibility systems, and operational delays on both staff and beneficiaries.

Chronic pain affects millions of workers, impacting both their wellbeing and workplace productivity. By understanding its challenges and implementing strategies, employers can promote better health and business success.

First-time homebuyers face numerous challenges, from navigating flood insurance to understanding builder’s risk coverage. Knowing the right insurance options is crucial for managing financial and property risks.