Our Promise

We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Haze of confusion

This report examines how legal marijuana impacts workplace safety and what accommodations, if any, employers are expected to provide for workers who use marijuana. The report also discusses how medical marijuana affects workers compensation benefits and reimbursement.

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New and Trending

Publications Settling insurance claims after a disaster

Following a disaster, it's important understand how to file an insurance claim to help uou get back on your feet. This article explains in depth how to file a claim, how the claim process works, and what's covered and what's not. 

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Insight + Analysis

Insurance Industry 2018 - Commentary on year-end financial results

For the U.S. property/casualty (P/C) insurance industry, 2018 was a year of unusual experience. Results were good in comparison with 2017—but 2017 was a horrible year. Premiums, investment income and profits rose, buoyed by a surprisingly strong U.S. economy, but interest rates sagged, and fears of a looming recession grew.

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I.I.I. Glossary

WRAP-UP INSURANCE- Broad policy coordinated to cover liability exposures for a large group of businesses that have something in common. Might be used to insure all businesses working on a large construction project, such as an apartment complex.

CATASTROPHE REINSURANCE- Reinsurance for catastrophic losses. The insurance industry is able to absorb the multibillion dollar losses caused by natural and man-made disasters such as hurricanes, earthquakes and terrorist attacks because losses are spread among thousands of companies including catastrophe reinsurers who operate on a global basis. Insurers’ ability and willingness to sell insurance fluctuates with the availability and cost of catastrophe reinsurance. After major disasters, such as Hurricane Andrew and the World Trade Center terrorist attack, the availability of catastrophe reinsurance becomes extremely limited. Claims deplete reinsurers’ capital and, as a result, companies are more selective in the type and amount of risks they assume. In addition, with available supply limited, prices for reinsurance rise. This contributes to an overall increase in prices for property insurance.

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Thought Leadership

I.I.I. News Wire

I.I.I.: Conflicting Marijuana Laws Leading to ‘Haze of Confusion’

For immediate release New York Press Office: 212-346-5500; media@iii.org NEW YORK, June 25, 2019—The growing state-level acceptance of medical and recreational marijuana poses a dilemma for the U.S.’s workers compensation insurers as the federal government still considers the drug a controlled subst… Read More

Lightning-Related Homeowners Insurance Claims Costs Surge

For immediate release New York Press Office: 212-346-5500; media@iii.org     NEW YORK, June 19, 2019—The number of lightning-caused U.S. Read More

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Events Calendar

APCIA Annual Western Region Conference
July
24
2019
Location: Hollywood, CA; Website
CIAB – Insurance Leadership Forum
October
04
2019
The Insurance Leadership Forum is the industry’s premier marketplace meeting for the commercial property/casualty industry’s top-tier broker executives and their carrier partners. Location: Colorado Springs, CO; Website
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