Insights

8/26/2025

Mortgages Secured by Cryptocurrency: Stability, Security, and Risk Factors

Crypto-backed mortgages allow borrowers to use their cryptocurrency holdings—such as Bitcoin, Ethereum, or stablecoins—as collateral to secure mortgages for real estate purchases. This innovative financial product offers distinct advantages and risks, and is subject to specific requirements and implications for lenders and borrowers.

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8/26/2025

Self-Insured Trusts and Captive Insurance

Single parent captive insurance companies and self-insured trusts are both sophisticated vehicles for businesses eager to transcend traditional insurance models. Yet, the journey of forming and managing each is vastly different, and nowhere is this more evident than when examining the drawbacks faced by self-insured trusts. 

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8/8/2025

Qualified Self Insurers in Commercial Insurance: A Detailed Overview

A qualified self-insurer in commercial insurance is a highly specialized organization that meets rigorous standards set by state regulators, giving it the legal authority to pay specific insurance claims—such as workers’ compensation, liability, or property losses—directly from its own resources.

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8/8/2025

Distinguishing Between Insurance Risk and Credit Risk in Commercial Insurance

In commercial insurance operations, understanding risk is fundamental to underwriting, capital management, and long-term profitability. Two of the most important—yet distinct—categories are insurance risk and credit risk. Insurance risk is where the insurer is to to pay for losses based on the coverage provided.

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8/8/2025

Evolving Legal Landscape: U.S. Auto Liability Tort Reform and Litigation in 2025

The U.S. auto liability landscape is experiencing marked transformation in 2025, driven by both ambitious state-level tort reform and high-profile court cases. Insurance companies, policyholders, and claimants are navigating a rapidly shifting environment shaped by escalating claims costs, a barrage of so-called "nuclear verdicts," and mounting pressure to rein in litigation.

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8/5/2025

Captives Drive Innovation and Outperformance in U.S. Insurance

Discover why U.S. captive insurance companies continue to outperform commercial insurers, with superior underwriting, risk control, and profitability. Explore expert insights and industry trends driving the ongoing growth and strategic advantages of captives in today’s evolving insurance market.

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8/5/2025

The Importance of Earned and Unearned Premiums: Key Concepts

Ever hear the term earned and unearned premium? While this is a fairly standard concept in insurance, this article explores the importance of these concepts in detail. Insurance premium accounting is fundamental to how insurers track their obligations and financial health. Two key concepts underpinning this accounting are earned premium and unearned premium. Both play vital roles in revenue recognition, cash flow, and regulatory compliance for insurers—and are essential for policyholders and captive service providers to understand.

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