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
We need to bridge the flood insurance ‘coverage gap’

This op-ed by Sean Kevelighan, the CEO of the Insurance Information Institute, explains what happens when there is a disparity between insured losses—damages that are covered under an insurance policy—and uninsured losses, which are paid out-of-pocket by individuals affected by a catastrophe, such as flooding. With the approach of hurricane season, this is an ideal teachable moment.

Homeowners + Renters Insurance How to file a homeowners claim
article
Hawaii’s Big Island volcanic eruption–what you need to know
2018 Atlantic hurricane forecast
Insurance Industry 2017 - Commentary on year-end financial results
article

New and Trending

Business Insurance Do I need business interruption insurance?

Business interruption insurance can be as vital to your survival as a business as fire insurance. Too many small business owners fail to think about how they would manage if a fire or other disaster damaged their business premises so that they were temporarily unusable. 

article
Disasters + Preparedness Frequently asked questions about FEMA disaster assistance
article
Auto Insurance How much auto coverage do I need?
article
Disasters + Preparedness Hurricane season insurance guide
article
Disasters + Preparedness Disaster planning for older adults
article

Insight + Analysis

Insurance Industry Inflation Watch - April 2018

The CPI-U—sometimes called headline inflation—rose by 2.5 percent in April 2018 vs. April 2017, which is the largest 12-month increase since the period ending March 2017, and higher than the 1.6-percent average annual rate over the past 10 years. The core CPI rose 2.1 percent for the 12 months ending April 2018—the same as the March year-over-year core, and its largest increase since the period ending February 2017. 

article
I.I.I. Economic Snapshot: First Quarter 2018
Are SUVs causing the crisis of pedestrian fatalities?
2018 Insurance Fact Book PDF now available
Insurance Industry Employment Trends: 1990-2018 (March 2018)
presentation

I.I.I. Glossary

DEDUCTIBLE- The amount of loss paid by the policyholder. Either a specified dollar amount, a percentage of the claim amount, or a specified amount of time that must elapse before benefits are paid. The bigger the deductible, the lower the premium charged for the same coverage.

BURGLARY AND THEFT INSURANCE- Insurance for the loss of property due to burglary, robbery or larceny. It is provided in a standard homeowners policy and in a business multiple peril policy.

See Full Glossary
Most Popular Most Shared
Insurance Information Institute shared a photo
11 hours ago

The unfolding outbreak of the #Ebola virus in the Democratic Republic of #Congo may activate pandemic #catastrophe bonds, said a recent Artemis.bm - Catastrophe bonds, ILS, reinsurance convergence #blog post. Check the link in the comments for more information. #IIIBlog
Insurance Information Institute shared a link
14 hours ago

On average, it costs > 40% more to repair #petdamage to furniture than #damage due to other causes, according to Safeware: via West Unified Communications Services #pets

Furry Friends Can Wreak Havoc on Furniture While Their Owners Are on Summer Vacation, According to Safeware

Many Americans take a vacation every year, providing ample, unsupervised time for pets to damage home furnishings.
Insurance Information Institute shared a photo
15 hours ago

Need information on the rapidly growing #insurance industry? Download our #FactBook2018 at the link in the comments:
Insurance Information Institute shared a link
1 day ago

#Coveragegaps are a topic discussed by many but understood by few. With the approach of #hurricane season, this is an ideal “teachable moment:" via The Palm Beach Post & I.I.I.'s Sean Kevelighan FEMA Federal Emergency Management Agency National Flood Insurance Program #hurricaneprep

POINT OF VIEW: We need to bridge the flood insurance ‘coverage gap’

“Coverage gaps” are a topic discussed by many but understood by few.
Insurance Information Institute shared a link
1 day ago

#ICYMI You can catch the full Property/Casualty Industry Results 2017: Perspectives from Verisk, PCI - Property Casualty Insurers Association of America, and I.I.I. #webinar, here:

Property/Casualty Industry Results 2017: Perspectives from ISO, PCI, and I.I.I. | Monday Web Seminars | Verisk

OnDemand Webinar: Given the major hurricanes and wildfires seen last year, what were the results of the property/casualty insurance industry in 2017? In this webinar, executive leaders from ISO, PCI, and the I.I.I. will discuss how the insurance industry performed in 2017, and explore some key chall...
Insurance Information Institute shared a link
1 day ago

2017 was a record year for #naturalcatastrophe and man-made disaster losses. The latest Swiss Re sigma study delivers statistics and expert analysis:

Resource Center | III

Swiss Re's annual sigma report on natural catastrophes and man-made disasters showed that insured losses worldwide totaled a record-setting $144 billion in 2017. The series of Category 4-plus Hurricanes Harvey, Irma and Maria, that devastated islands in the Caribbean, particularly Puerto Rico, Texas...
Insurance Information Institute shared a link
2 days ago

Raising #home #insurance deductibles from $500 to $1,000 can cut your #premium by 25 percent! Discover this and other great moneysaving tips: via MSN Money Amazon.com

7 Crucial Money Mistakes You Must Avoid

Here are seven boneheaded money moves nearly everyone makes -- and how you can avoid them.
Insurance Information Institute shared a photo
2 days ago

A reminder that we’re LIVE tonight on Twitter at 4:00 (PT) in San Francisco with Deloitte and Lloyd's to give you an advanced look at the research on rethinking insurance products for the #sharingeconomy.
Insurance Information Institute shared a link
3 days ago

Motor vehicle #crashes are the most common #agribusiness #insurance #claim, according to insurer Nationwide: via Insurance Journal

Top 10 Agribusiness Insurance Claims

Motor vehicle accidents are the most common agribusiness insurance claim, according to insurer Nationwide. The Ohio-based insurer, the nation's largest insurer of farms, said that over the last three years, the top 10 claim types have accounted for more than 50,000 claims by its agribusiness custome...
Insurance Information Institute shared a photo
4 days ago

For the second week in a row, the The New York Times has published an article that made our most popular list! Check out some of the other articles from Insurance Business America. For more information on "The Daily" send us a message to connect.

Thought Leadership

I.I.I. News Wire

Register for the Property/Casualty Industry’s 2017 Financial Results Webinar

FOR IMMEDIATE RELEASE I.I.I. New York Press Office: (212) 346-5500; media@iii.org  NEW YORK, May 10, 2018 —The Insurance Information Institute (I.I.I.), Verisk Analytics (ISO), and the Property Casualty Insurers Association of America (PCI) … Read More

MEDIA ADVISORY: I.I.I. Can Provide Information On Insurance Issues Raised By This Week’s Wildfires In Colorado, Kansas, Oklahoma, And Texas

FOR IMMEDIATE RELEASE New York Press Office: (212) 346-5500; media@iii.org Kim Kirchner, Coburn Communciation: (212)-536-9837; Kim.Kirchner@coburnww.com   New York, April 20, 2018—Thousands of residents and firefighters in four U.S. Read More

See More News Releases

Events Calendar

I.I.I. June Communications Committee Meeting
June
13
2018
For additional information, please contact Katrina Cheung at katrinac@iii.org.
I.I.I. June Board Meeting
June
14
2018
For additional information, please contact Valerie Germain at valerieg@iii.org. 
See More Events