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roller coaster with lots of turns

Summer Recreation Tragedies Show Elements of Risk

Earlier this summer in Daytona Beach, Florida, two roller coaster riders fell 17 feet resulting in severe injuries when a car derailed due to excessive speed. An investigation showed the derailment was likely the result of the initial design of the roller coaster in combination with wear and multiple strains. Nearly a month ago, a…

uber driver recording with dash cam

Uber Driver Who Recorded Passengers Pushes Privacy Boundaries

An Uber and Lyft driver who live-streamed passengers in his vehicle to a channel on the video streaming website Twitch is part of a growing number of practices that challenge privacy rights in today’s surveillance society. Since March, hundreds of St. Louis-area passengers have been streamed online without their knowledge by their driver, Jason Gargac….

wildfire approaches neighborhood

Wildfire Forces Evacuation, Leaving Homeowners to Face Daunting Property Damage and Reconstruction Costs

Burning near the western edge of Yosemite National Park, the Ferguson forest fire has burned tens of thousands of acres, injured several firefighters and forced the evacuation of residents in the area. Wildfires are also forcing evacuations in Southern Oregon. In the wake of a wildfire in California that shows few signs of slowing down,…

trucks transporting goods near drivers

800-Pound Boulder Tragedy a Reminder of Risk in Transporting Goods

When transporting items commercially, securing your cargo properly could be the difference between life and death. A mother and daughter were tragically killed this month in Minnesota after an 800-pound boulder fell off a truck and struck their car, according to police. This tragedy – and others that do not involve loss of life –…

soccer coach

Thai Cave Rescue: How Volunteers & Organizations Can Reduce Risk of Lawsuits

The rescue of 12 youth soccer players and their coach from a flooded cave in Thailand captivated the world this week. The boys, ranging in age from 11 to 16, and their coach were exploring the Tham Luang Nang Non cave complex in northern Thailand on June 23 before they became trapped inside following heavy…

oil spill in river

Oil Spill from Iowa Train Derailment Shows Need for Environmental Insurance

A recent train derailment spilled an estimated 230,000 gallons of crude oil into floodwaters of the Little Rock River in northwest Iowa. Reports indicate that the tracks may have collapsed due to saturation from flooding caused by heavy rains. Railroad network operator BNSF Railway has taken responsibility for the cleanup and mitigation of the incident,…

Design, Construction Flaws Can Result in Devastating Financial Liabilities

Florida International University (FIU) wanted a signature bridge to help highlight the school’s “institutional aspirations.” However, the project’s planners appear to have overlooked a design flaw that was likely a key factor in the 950-ton bridge collapsing in March. The tragic accident resulted in the death of one construction worker on the bridge and five…

Vacant Homes at Risk: Cleveland Explosion a Reminder of Vulnerability

A recent explosion at a vacant Cleveland-area home ended in tragedy—resulting in the death of one woman, critically injuring a man, causing five nearby residences to be uninhabitable and damaging nearly 100 other homes. Police say four individuals were stealing metal from the home and likely caused a natural gas leak. Over the past 20…

Marijuana Insurance Rapidly Evolving in North America

The Canadian federal government is expected to legalize the recreational use of marijuana as early as this summer. The number of client registrations for medical marijuana in Canada reached nearly 270,000 by the end of 2017. In the U.S., marijuana remains illegal at the federal level, but 29 states and the District of Columbia have…

How to Combat Liability Risk for Graduation Parties with a Personal Umbrella Policy

The National Center for Education Statistics is expecting that 3.6 million students will graduate from high school in 2017-18. As outgoing high schoolers around the U.S. hold their graduation parties in the days and weeks ahead, and their parents and guardians recognize their milestone achievements, they should also be aware of the liability they could…