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We are the Insurance Information Institute. Since 1960, we have been the trusted source of unique, data-driven insights on insurance to inform and empower consumers. We serve consumers, media and professionals seeking insurance information. Learn More
Business Insurance Does your business need flood insurance?

While damage caused by some types of natural events—such as lightning or wind—will usually be covered by commercial property insurance, you need a special policy if you want protection from flood damage. This Q&A will help you understand whether your business needs it.


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Disasters + Preparedness The homeowner's severe cold weather survival guide

Standard homeowners policies will cover most disasters that result from a freeze—but when the weather outside is frightful, it's better to minimize the potential risks. Here's how.


Insight + Analysis

Fighting wildfires with innovation

The 2017 and 2018 wildfire seasons were a catastrophic shock to communities, legislators, and insurance companies. This paper discusses some of the ways in which insurers are educating their customers about wildfire risks, with the goal of creating resilient communities in high-risk areas and fostering the development of new tools and techniques to help build a more wildfire-resilient world.

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I.I.I. Glossary

UMBRELLA POLICY- Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.

ORDINANCE OR LAW COVERAGE- Endorsement to a property policy, including homeowners, that pays for the extra expense of rebuilding to comply with ordinances or laws, often building codes, that did not exist when the building was originally built. For example, a building severely damaged in a hurricane may have to be elevated above the flood line when it is rebuilt. This endorsement would cover part of the additional cost.

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Thought Leadership

I.I.I. News Wire

U.S. Homeowners Insurers Given Record-High Satisfaction Score

For immediate release New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, February 28, 2020 – U.S. homeowners who filed an insurance claim last year cumulatively gave their insurers record-high customer satisfaction ratings after being surveyed by J.D. Read More

Triple-I Appoints Friedlander, Maccini To Key Communications Posts

For immediate release New York Press Office: (212) 346-5500; media@iii.org NEW YORK, February 18, 2020 —Mark Friedlander and Kris Maccini have been appointed to senior communications positions at the Insurance Information Institute (Triple-I) to broaden the organization’s traditional and social… Read More

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National Earthquake Conference
Location: San Diego, CA; Website
WCRI 36th Annual Issues and Research Conference
Location: Boston, MA; Website
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