Insights
Notes on coverage, contracts, and risk, drawn from the work.
September 30, 2026
Claims-Made, Long Tail: Privacy Liability and the Program That Pays
Privacy liability has made claims-made coverage a long-tail exposure. Related-claims provisions and retroactive dates decide which year's program pays, and it is rarely the one on this year's declarations page.
September 29, 2026
Embedded Solutions and the Digital Supply Chain: Operational Reliance and Tech E&O
Contracts, premiums, and limits scale with a vendor's revenue, while the loss from an outage scales with how much of the customer's business runs on the product. Neither the vendor nor the customer has a clear view of the gap.
September 28, 2026
Assuming Non-Covered Risk in Customer Contracts
AI vendors increasingly take on their customers' professional liability by contract. A typical software company's tech E&O is unlikely to respond, and the contractual liability exclusion explains why.