What do natural disasters, the sharing economy and an aging population have in common? These are all policy topics where a basic knowledge of risk management and insurance can help state leaders make better policy decisions. In collaboration with The Griffith Insurance Education Foundation, The Council of State Governments will address these topics and more throughout a four-part webinar series designed to provide public policymakers with a greater understanding of risk management insurance through the lens of emerging issues. Participants in the series will walk away with a solid understanding of risk management and insurance fundamentals, property, casualty, life and health insurance, and insurance regulation and legislation.

Telematics—the technology of sending, receiving and storing information relating to vehicles via telecommunication devices—appears likely to have a significant impact on traditional insurance models in the years ahead. Telematics, for example, allows for the measurement of actual driving habits based on a vehicle’s real-time driving data. This non-partisan and non-advocative webinar, presented in collaboration with The Griffith Insurance Education Foundation, examines how the technology works, how telematics is impacting insurance models and products, and how public policymakers are considering the myriad questions and challenges this innovation presents.

More than 40 states considered legislation in 2015 aimed at allowing or regulating rideshare companies such as Uber and Lyft. While many of these bills served to enforce standards already in place at these companies, others add additional requirements. During this free eCademy webcast, Dr. Kim Staking of California State University reviews the 2015 legislative, regulatory and insurance landscape for rideshare companies and look at what may lie ahead in 2016. A follow-up to a June webinar, this webcast is part of a collaboration between CSG and the Griffith Insurance Education Foundation to inform state officials on these issues, while maintaining a commitment to an unbiased, nonpartisan and academic approach to programming.

During a recent CSG eCademy webcast, “Rideshare Companies: Insurance and Regulatory Issues for States,” Staking discussed insurance coverage and the risks associated with rideshare services, which he also referred to as transportation network companies. The webcast was part of a collaboration between CSG and The Griffith Insurance Education Foundation.

In recent years, states in the CSG-South area—as well as the nation as a whole—have been exposed to significant risks due to hurricanes and tornadoes. These immense storms have caused immeasurable damage in terms of the loss of human life and billions of dollars in economic costs.

A new study related to climate change moves the debate from the science of it all to its impact on the economy.  The report— “Insurer Climate Risk Disclosure Survey,” by Ceres, a nonprofit group advocating for sustainability leadership—takes a look at how not including the risks associated with climate change may affect the business of insurance companies. “The insurance sector is a key driver to our overall economy,” said Mindy Lubber, president of Ceres.


As residents in parts of the Midwest experienced record flooding this spring, discussions began on Capitol Hill about the future of the National Flood Insurance Program.

This Act limits how life insurers can deny a policy to someone or cancel or charge different rates to policy holders based upon the applicants‘ or policy holders‘ past or future travel to lawful destinations. It makes for exceptions when the insurers‘ decisions are based upon sound actuarial principles or reasonably anticipated experience.

Legislators this year will consider a host of new compacts that could help them tackle a variety of challenging issues, covering everything from prescription drug abuse to insurance. The Council of State Governments’ National Center for Interstate Compacts has been instrumental in helping craft these compacts.

NOW, THEREFORE BE IT RESOLVED, that The Council of State Governments (CSG) supports The Surplus Lines Insurance Multi-State Compliance Compact, also supported by the National Conference of Insurance Legislators (NCOIL), the surplus and excess lines industry, and major national property-casualty and producer organizations—to comply with the NRRA and maximize state non-admitted insurance premium tax collection.