Insurance Liability

Workers' Compensation
commentary
Can Workers' Compensation Help Businesses Reopen More Safely?
Michael Dworsky, Bethany Saunders-Medina
Sep 9, 2020
The RAND Blog
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.
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Catastrophic Liability Risk Management
commentary
Key Questions to Ask in Designing a Pandemic Risk Insurance Program
Lloyd Dixon, Bethany Saunders-Medina
Jul 27, 2020
The RAND Blog
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.
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Catastrophic Liability Risk Management
commentary
Tapping Business Interruption Insurance Coverage to Assist Small Business During the COVID-19 Pandemic: Benefits and Drawbacks
Lloyd Dixon, Bethany Saunders-Medina
Apr 10, 2020
The RAND Blog
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?
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commentary
Allocating Costs for California Wildfires
Lloyd Dixon
Jul 24, 2019
The RAND Blog
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.
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Health Care Costs
commentary
Tax Reform Could Raise Car Insurance Rates
Paul Heaton
Feb 4, 2018
U.S. News & World Report
The new tax law eliminates the individual mandate. When this repeal takes effect in 2019, millions more Americans are expected to go without health insurance. Auto insurers will likely pick up the tab for some of that population's medical care. That could raise car insurance premiums.
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Insurance Liability

Can Workers' Compensation Help Businesses Reopen More Safely?

Key Questions to Ask in Designing a Pandemic Risk Insurance Program

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

Allocating Costs for California Wildfires

Tax Reform Could Raise Car Insurance Rates

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