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Insurance Liability

Insurance Liability

Insurance Liability

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Insurance Claims

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- Research (13)
- Expert Insights (6)
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- Americas (13)
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Expert Insights

Aug 19, 2025

After the Los Angeles Wildfires: Implications for Risk Mitigation, Compensation, and the Insurance Market

In this paper, the authors summarize themes raised in a discussion about the insurance market and the liability implications of the 2025 Los Angeles wildfires. They also include ideas for research and analysis that could help improve outcomes.
Jul 21, 2025

RAND Feinberg Center for Catastrophic Risk Management and Compensation

The RAND Feinberg Center for Catastrophic Risk Management and Compensation seeks to identify and promote laws, programs, and institutions that reduce the adverse social and economic effects of catastrophes.
Research

Jul 16, 2025

Understanding Home Buyer Preferences for Flood Risk and Mitigation in a Flood-Prone Region

This study uses a discrete choice experiment to quantify how prospective homebuyers in the U.S. Gulf Coast value flood risk, mitigation measures, and various forms of risk communication.
Research

Jul 9, 2024

What Is the Evidence for Social Inflation? Trends in Trial Awards and Insurance Claim Payments

Social inflation describes social and behavioral trends that are said to expand the liability of parties allegedly responsible for harms and their insurers. The authors look for trends consistent with the expected effects of social inflation.
Research

Jun 15, 2021

Improving the Availability and Affordability of Pandemic Risk Insurance: Projected Performance of Proposed Programs

This report evaluates and models proposals for an insurance-based program to provide businesses with resources to maintain payroll and benefits and cover ongoing operating expenses during a pandemic.
Research

Dec 11, 2020

Does It Matter Who Pays for Auto Injuries?

In many states, auto insurers rather than health insurers pay for a substantial fraction of the medical care following auto crashes.
Commentary

Sep 9, 2020

Can Workers' Compensation Help Businesses Reopen More Safely?

Workers' compensation typically does not cover common infectious diseases like COVID-19. But in the fight against the pandemic, state policymakers might take a fresh look at aspects of labor and business regulation that usually fade into the background and ask if modest changes hold any potential to reduce disease transmission.
Commentary

Jul 27, 2020

Key Questions to Ask in Designing a Pandemic Risk Insurance Program

Congress is considering establishing an insurance program that would make business interruption coverage for pandemics less expensive and more widely available. We have identified several key questions that policymakers could consider when designing a pandemic risk insurance program.
Commentary

Apr 10, 2020

Tapping Business Interruption Insurance Coverage to Assist Small Business During the COVID-19 Pandemic: Benefits and Drawbacks

Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?
Research

Jan 14, 2020

Medicaid Coverage Expansions and Liability Insurance

This article offers some of the first rigorous evidence regarding the impacts of health coverage expansions targeting the low-income population on use of the tort system, as proxied by insurance payouts.
Commentary

Jul 24, 2019

Allocating Costs for California Wildfires

Wildfires in California have caused and will likely continue to cause substantial losses for residents, businesses, and government agencies. It is important to distribute these losses in a manner that provides incentives to reduce their magnitude over time.
Expert Insights

Jun 8, 2018

Rethinking Insurance and Liability in the Transformative Age of Autonomous Vehicles

The "Rethinking Insurance and Liability in the Transformative Age of Autonomous Vehicles" workshop examined the implications of autonomous vehicle technology for insurance and liability regimes. This publication summarizes key issues from the event.

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