Michael Giusti

New Orleans

Senior Writer at insuranceQuotes.com

Journalist. Brewmaster. Boxer. Marathoner. Sailor. MBA. Director of Student Media and Journalism Department Chairman @loyola_nola @loyola_Maroon

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Articles

Renters Insurance Develops a Split Personality

3 weeks ago | insurancethoughtleadership.com | Michael Giusti

Agents and brokers may do well to approach the rental insurance market with something of a split personality these days. Traditionally, renters insurance was a policy geared toward people just setting out in life. They didn't own a home yet, but they still needed the property and liability coverage rental policies offered. That market still exists, of course, largely with Gen. Z customers.
Catastrophe bonds face criticism after Hurricane Beryl

Aug 20, 2024 | propertycasualty360.com | Gautam Naik |Joe Toppe |Christine G. Barlow |Michael Giusti

The remains of a home after Hurricane Beryl passed through Jamaica. (Photo credit: Joe Raedle/Getty Images/Bloomberg) (Bloomberg) — A strategy that's delivered specialist investors huge returns is now facing scrutiny, amid concerns that its risk-reward dynamics might be skewed against some issuers.
Workers' compensation and the aging workforce

Aug 20, 2024 | propertycasualty360.com | Matt Zender |Joe Toppe |Michael Giusti |Patrick Coate

(Photo: Syda Productions/Shutterstock.com) People are living longer than ever these days. The World Health Organization (WHO) reports that by the year 2050, the population of those aged 60 and older will total two billion. 2015, by comparison, had an aging population of 900 million. As for the future, experts estimate that many babies born in 2012 who live in wealthier countries should live to see their one-hundredth birthday.
Insurance Coverage Q&A: Managing multiple ACV payments

Aug 16, 2024 | propertycasualty360.com | Christine G. Barlow |Michael Giusti |Patrick Coate |Brittney Meredith-Miller

Insureds tend to get the benefit of the doubt when a policy is ambiguous. (Credit: Valerii Evlakhov/Adobe Stock) PropertyCasualty360.com editor's note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions.
How to navigate 2024's dicey special-event insurance demands

Aug 15, 2024 | propertycasualty360.com | Michael Giusti |Patrick Coate |Brittney Meredith-Miller |Kendra Pierre-Louis

By Patrick Coate | August 15, 2024 Construction claims jump nearly 20% when temperatures rise above 100 degrees. By Brittney Meredith-Miller | August 14, 2024 The number of fires in 2024 is lower than the 10-year to-date average, but the number of acres burned has surpassed the 10-year average of 4.1 million. By Kendra Pierre-Louis | August 14, 2024 FEMA says only half of households believe they can prepare for a catastrophe, but 'self-efficacy' decreases damage.
Examining the state of wildfire risk in 2024

Aug 14, 2024 | propertycasualty360.com | Brittney Meredith-Miller |Christine G. Barlow |Michael Giusti |Patrick Coate

(Credit: metamorworks/Adobe Stock) As of August 14, 29,132 fires have burned more than 5.2 million acres in the United States this year, according to data from the National Interagency Fire Center, with 78 large active fires being managed nationwide. Of the 78 active fires, 23 are in Oregon, 14 in Idaho, and 9 are in Washington, with the others spread across areas of California, Arizona, Montana, Wyoming, Colorado, Nevada, Florida and Texas.
How to Lower Car Insurance Premiums

Aug 5, 2024 | money.com | Ana Reina |Brad Tuttle |Michael Giusti

Car insurance is an expensive — and mostly inevitable — aspect to owning a car. And, unfortunately, the costs are only rising: Car insurance prices have been increasing faster than nearly any other common expense. If your premium seems high, it could be due to something you can't easily change, like your age or where you live. However, other factors, like your deductible, coverage levels and credit score, are more within your control.
2024 Election: How Does It Affect Insurance?

Jun 20, 2024 | insurancequotes.com | Michael Giusti

Zip Code: Please provide a valid zip code. Get free insurance quotes By Michael GiustiMany crucial topics are certain to dominate this year’s presidential election news cycle, but one potentially overlooked area voters would do well to consider is the weight their ballot might have when it comes to insurance.
Summer 2024: Insurance Guide

Jun 12, 2024 | insurancequotes.com | Michael Giusti

Zip Code: Please provide a valid zip code. Get free insurance quotes By Michael GiustiSummer 2024 brings a sense of anticipation and hope of a continued return to normalcy. The worst of the pandemic seems firmly in the rearview mirror, but a busier than normal hurricane season is being predicted, and the worry of wildfires is always looming. Inflation is showing signs of abating, but insurance markets are straining to the breaking point in many states.
The State of Cannabis Business Insurance from Seed to Sale

Jun 5, 2024 | cannabisbusinessexecutive.com | Michael Giusti

By Michael GiustiWith the cannabis market maturing in many states, the insurance industry is beginning to have access to more data upon which they can set their rates. But it’s still difficult to keep up, as there are a lot of moving parts when it comes to cannabis businesses and insurance. Every line of business dealing with cannabis – whether it is plant touching or not – needs to be considering business insurance to protect them from risks.