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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
Disasters + Preparedness Severe cold weather survival guide

Severe cold weather such as ice and snow can inflict considerable damage on your home and create liability risks. To minimize your risks, take precautionary steps inside and outside your home. See also Video: Minimizing winter weather risks; Press release: Triple-I provides six ways to minimize winter weather risks; Facts + Statistics: Winter storms.

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Invest in technology—but don’t forget to invest in people
Study quantifies benefits of nature-based wildfire-risk reduction
NFT and insurance: Is it “A thing”?
Publications Settling insurance claims after a disaster
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New and Trending

Insurers on-site in Colorado to help homeowners navigate fire claims process

Soon after any disaster, homeowners need to shift their focus from ensuring their safety to picking up the pieces and rebuilding. Many have questions about next steps, and the insurance claims process is among the most important. See also Videos: Colorado recovery 1; Colorado recovery 2;  Colorado recovery 3.

Disasters + Preparedness Protect your home from winter weather
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Auto Insurance Driving in winter? Be prepared and stay safe
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Homeowners Facts + Statistics: Fire
FACTS + STATISTICS
Video: Deer safety: Follow these defensive driving tips

Insight + Analysis

About the Industry State of the risk: Triple-I issues briefs

The risk landscape is always changing. Triple-I Issues Briefs are designed to provide timely snapshots of specific risk areas, as well as insurance-related issues and trends. As this library grows and individual briefs are updated to reflect recent developments, you’ll find a ready resource for your own research or to inform conversations with industry professionals, policymakers, media, and policyholders.

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Data, tech promising for flood risk, but groundwater may change the equation
Homeowners premiums rise faster than inflation; expect this to continue
2021 JIF panel offer insights on Insurance and “The New Normal"
2021 Q4: P/C underwriting profitability forecast from Triple-I/Milliman

I.I.I. Glossary

RATING BUREAU- The insurance business is based on the spread of risk. The more widely risk is spread, the more accurately loss can be estimated. An insurance company can more accurately estimate the probability of loss on 100,000 homes than on ten. Years ago, insurers were required to use standardized forms and rates developed by rating agencies. Today, large insurers use their own statistical loss data to develop rates. But small insurers, or insurers focusing on special lines of business, with insufficiently broad loss data to make them actuarially reliable depend on pooled industry data collected by such organizations as the Insurance Services Office (ISO) which provides information to help develop rates such as estimates of future losses and loss adjustment expenses like legal defense costs.

DERIVATIVES- Contracts that derive their value from an underlying financial asset, such as publicly traded securities and foreign currencies. Often used as a hedge against changes in value.

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Thought Leadership

I.I.I. News Wire

Triple-I Provides Six Ways to Minimize Winter Weather Risks

For immediate release New York Press Office: Loretta Worters, 917-208-8842, lorettaw@iii.org   NEW YORK, Jan. 7, 2022—The 2022 Old Farmer’s Almanac envisioned a Season of Shivers for parts of the U.S. Read More

Media Advisory: Triple-I Can Brief Reporters on Colorado Wildfires

Contact: Michael Barry, Insurance Information Institute (Triple-I), 917-923-8245, michaelb@iii.org NEW YORK, Jan. 3, 2022—Reporters covering the aftermath of Colorado’s wildfires can contact the Insurance Information Institute (Triple-I) for interviews and analysis. Read More

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Events Calendar

Casualty Actuarial Society 2022 Ratemaking, Product and Modeling Seminar
March
14
2022
The Casualty Actuarial Society 2022 Ratemaking, Product and Modeling Seminar will host its seminar and workshops as a hybrid event from March 14 – 16 at the Sheraton New Orleans Hotel in New Orleans, Louisiana. This event will provide professionals with information on Ratemaking, Product Management/Innovation, Modeling and Professionalism/Regulation. Checkout website.
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