Our Promise

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.


New and Trending

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.

white paper

I.I.I. Glossary

CATASTROPHE MODEL- Using computers, a method to mesh long-term disaster information with current demographic, building and other data to determine the potential cost of natural disasters and other catastrophic losses for a given geographic area.

COMPETITIVE REPLACEMENT PARTS- See Crash parts; Generic auto parts

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Thought Leadership

I.I.I. News Wire

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

Triple-I Video: U.S. Must Prepare For, And Insure Against, Natural Disasters

For immediate release New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, February 13, 2020 —The societal need to build resilience to natural disasters is the theme of the just-released Covered: The Story of a More Insured World, the Insurance Information Institute’s (Triple-I) new… Read More

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Events Calendar

Emerging Insurance Leaders Conference
Location: Austin, TX; Website
Cat Risk Management 2020
This conference will examine threats and risk management solutions through a forward-looking lens, presenting over-the-horizon ideas and solutions as we manage these increasingly complex risks. Location: Orlando, FL; Website
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