Best’s Insurance Professional Resources

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UE’s Abraham: Education Sector to Face Increased Demographic Shifts
Nayms’ Verbeeten: Crypto Insurance Provides Peace of Mind
Marsh McLennan’s Surminski: Updates to Flood Risk Index Include Impact Scenarios
Verisk Director: Rising Exposure, Inflation Among Cat-Loss Drivers in Asia-Pacific
Ensuro’s Mirabella: Need for Crypto DeFi Insurance Growing
HSB's Riggs: Insurers Increasingly Employ Sensor Technology to Mitigate Risk
Zelros’ Philippon: AI, Machine Learning Help Bridge Uninsured Gap
Marble’s Sundar: App Helps Empower Households to Manage Insurance, Risk
HSB’s O’Shaughnessy: Insurers Are Collaborating to Mitigate Risk
Fidelis’ Mathias: More Product Clarity Needed in Sales Efforts
Verisk's Shavel: Insurers Can Better Weather the Constantly Changing Technological Environment With Data Partnerships
IGI’s Jabsheh: Reinsurers Coming to Grips With Volatility, Changing Risk Landscape
Scor’s Conoscente: ESG Path Going Forward Is Very Clear
Convex Execs: Evolving Risks Spur New Conversations
Delta's Pollard: Mitigation Is Key to Managing Risk for the Asia-Pacific Region Insurance Group
LexisNexis’ Rush: Data Key to Understanding Risks, Coverage Needs
J.D. Power's Ellingsworth: Auto Telematics Pierces the Veil on Actual Usage
CargoCorp’s Martinez: War, Labor Shortage, Climate Change Create Maritime Transport Disruptions
AGCS Claims Officer Sepp: Fire Tops Global Causes of Loss by Value
III's Kevelighan: Insurers Already Out of the Gate in Climate-Risk Race
ACORD’s Pieroni: The Curious Case of Hypermature Markets
Sylvia Group’s Beauregard: Insurers Increasingly Involved in Loss Control for Schools
Insurance AUM's Foley: Outsourced Investments Climb to $3.4 Trillion
IBHS’ Hedayati: 'Wildfire Season' Is No Longer Seasonal
Conning’s Reilly: Inflation, Market Volatility Force Insurers to Reexamine Investment Strategies
Conning's Pitt: MGA Market Sees Double-Digit Growth in 2021
Transunion's Jackson: Millennials Are Becoming 'Very Active' in Homeowners Market
PRMA Director: Weather, Sharing Economy Pose Growing Risks for Homeowners
PwC’s Friedman: Private Equity-Backed Buyers Will Increase Insurance Dealmaking
Swiss Re’s Bodenschatz: Cypto Liability, Quantum Computing Among Emerging Risks
Allianz Risk Consulting's Miner: Video Monitoring Mitigates Concert Risk
FM Global’s Tofte: Denmark, Switzerland, Luxembourg Among the Most Resilient
Sagesure's Nelson: Insurers’ ESG Objectives Should Include Nat Cat Recovery, Rebuilding
ProAg CEO: A Shift of ‘Tornado Alley’ Would Change Farmers’ Risk Profile
Nationwide's Stueber: Insurers Must Adapt to the Workplace of the Future
Limra: Account-Takeover Fraud Rises in Life Insurance, Annuity, Retirement Plans
Karen Clark & Co.: Models Must Catch Up to Science
Author: Technology Helps Insurers Conduct Insurance Commerce, Fight Intimacy Awkwardness
Allianz: Businesses Must Prepare for Rising Social Unrest
Author: Pandemic Has Changed How Agents and Brokers Sell
Limra’s Tumicki: Some Patients Lacking Insurance Turn to Savings When Unable to Work
CSAA's Huebner: Insurance Industry Cautiously Optimistic Heading Into Wildfire Season
New App Helps Insurance Agents Work While on the Move
Transunion's Jackson: Inflation Pushing Insurance Consumers Toward Telematics
Cybersecurity Exec Haber: Not Enough States Have Adopted Insurance Data Security Law
Risk Consultant Varney: Hurricane Preparation Should Include More Than the 'Building Envelope'
Munich Re US' Bove: Another Active Season for North Atlantic Hurricanes Is Here
Travelers’ Ives: New Hires at Greater Risk of Workplace Injury
Allianz Global Corporate & Specialty's Khanna: Total Vessel Losses Down by 57% Over the Past Decade
Vermont’s Provost: Retiring After More Than Two Decades, but Happy to Pass the Captive Torch
Aon’s Bowen: La Nina Conditions Could Create Another Above-Average Hurricane Season in 2022
Author: When Integrating Technology, Companies Risk Becoming Tech-Shackled
Poulton Associates CEO: More Innovation Needed to Create Insurance Mechanisms for the Public Good
Wharton’s Kousky: Enhanced Building Codes, Rebuilds Needed to Mitigate Disaster
MPL Association’s Atchinson: ‘Considerable’ Amount of Risk Moving Into the Alternative Market
Author: Industry Professionals’ Success Stories Help New and Struggling Agents
Bermuda BDA’s Weinstein: Any Progress From Florida’s Special Legislative Session Would Be Welcome
ProAssurance Corp. CEO: Pricing, Inflation, Large Jury Awards Hold MPLI Sector in Flux
Author: Annuities Can Help ‘Constrained Investors’ Manage Risk
Limra’s O’Donnell: COVID-19, Labor Market Fuels Rise in Workplace Benefit Sales
NAIC: Newly Developed Technology Simplifies Home Inventories for Consumers
Foresters Financial: New App Inspires and Rewards Healthy Lifestyles
Swiss Re’s Junge: 2021 Global NatCat Loss Reached $270B and Insurance Covered 43% of It
Aon Edge's Dickson: 'Opacity' Still Missing From Federal Flood Program
ICMIF's Tarbuck: Federation Celebrates 100th Anniversary With 200 Member Organizations
US Assure’s Ferguson: 2022 Economic Issues to Shape the Construction Industry
Exdion's Ram: Pandemic Leads to Digital Wave for Brokers
RIMS President: RISKWORLD Conference Name, Content Reflect Globalization of Risk Management
Foresight: New App Digitalizes Workers’ Comp
Embroker’s Prymas: Everyone Is a Cyber Target
Author: Insurance Agents Must Transition From Generalists to Specialists
FIU’s Olson: Prototype Facility Will Test Forces of a ‘Category 6’ Hurricane
CyberCube’s Altman: Insurers, Reinsurers Must Tighten Defenses Against Potential Russian Cyberattacks
Scor’s De Sousa: Social Responsibility Is Driving Changes in Mortality, Future Life Insurance Costs
McKinsey’s D’Amico: Amid Declining Profitability in the Industry, Agility Is Key
VCIA President: Outlining Initiatives to Chart a New Course for the Association
New York Life’s Ball: Younger Generations Are Increasingly Creating Financial Nest Eggs
Author: Culture Is Key to Driving Results, Employee Engagement
Zurich North America CRO: Climate Risk Tops Global Business Owners’ Concerns in 2022
Chubb’s Naughton: Water Damage an Overlooked Risk for Homeowners, Renters
Foresight Executive: Industry Working to Juggle Risk Management Amid COVID-19
PwC’s Carr: Insurance Executives Must Make Deliberate, Aggressive Strategic Choices
Liberty Mutual’s Perez: Shock Verdicts Having Adverse Impact on Insurance Industry
Beazley: Despite New and Ongoing Risks, Business Leaders Feel More Resilient This Year
QBE: Technology Mitigates Losses From Some Water Damage, Inconveniences of Home Inspections
Clyde & Co: What Attorneys, Insurers Should Know Amid Rise of Shock Verdicts
LIMRA CEO: A Significant Life Insurance Coverage Gap Remains Among Black Americans
Allianz Global Corporate & Specialty’s Christie: Cyber Incidents Top Allianz Risk Barometer
Swiss Re's Holzheu: Third-Party Litigation Funding Driving Up Premiums
IICF: Online Resource Attracts Nontraditional Job Seekers
CNA’s Hernandez: Winter Storms Mean Huge Insurance Losses
Conning: Insurers Becoming More Engaged With ESG
Verisk’s Fulton: Technology Speeds the Estimating Process
Limra’s Salka: Consumers Highly Confident in Insurers Amid Growing Concerns About COVID, Economy
Planck CEO: AI Helping to Alleviate Effects of Insurtech Labor Shortage
Resilience’s Vitale: Underwriting Profitability, Communication Are Essential for Building MGA Relationships
Baker Tilly’s Oddy: Speed and Efficiency Are New Hallmarks of Commercial Claims
NFIP's Maurstad: We Want to Continue to Work With Private Sector
J.D. Power’s Ellingsworth: P/C Industry Lags Behind in Digital Experience
Wright Insurance’s Bloodgood: Police Shootings Spur Changes, Increase Risk Management
ACORD's Pieroni: The Misguided Pursuit of Developing Markets
Maguire Academy of Insurance and Risk Management at St. Joseph's University: Gender Diversity Increasing, but Not There Yet
Conning: All Sectors Should See Premiums Increase in 2022
Swiss Re’s Holzheu: Global Premiums Expected to Surpass $7 Trillion in 2022
ACLI’s Davison: Association Focusing on Improving Racial Equity, Economic Empowerment
LexisNexis’ Hosfield: Extreme Weather Claims Climbed, Theft Losses Tumbled in 2020
CATcoverage.com’s Poulton: Risk Rating 2.0’s Impact on the National Flood Insurance Program, Private Flood Market
APCIA: Insurers Should Not Be Liable for Pandemic BI Losses, Now or Ever
Authors: Addressing Climate Risk Takes Holistic Thinking
Captain Kinsey: Global Supply Chain Challenges Likely to Worsen
Deloitte’s Kakar: Life Insurers Should Target Underserved Younger Populations
Skan’s Misra: Insurers Adapting to a 10-Year Tech Leap Made Over 18 Months
Beazley: US Executives Feel Better Prepared to Handle Cyberrisk Than Their UK Counterparts
Guy Carpenter: MGA Market Growth Nearly Doubled Over Past Decade
Aon Edge: The 'Real Catastrophe' From Hurricane Ida Unfolded Inland
AM Best: Hurricane Ida Impacts New Orleans More Than Last Year's Storms
Swiss Re: US Life Insurance Protection Gap at $25 Trillion
AIR Worldwide: Storms Like Ida Are Changing Cat Models
Everest Re: Demand Plus Exposure Growth Create Opportunity for Reinsurers, Insurers
IICF: Charity Group Launching Life Division, Expanding to Individual Membership
CorVel: AI, Telehealth Improving Workers' Comp Claims Process
Otterbourg P.C.'s Weinick: Insurance Can Be Both A Solution and A Problem for Cybersecurity
IBHS: Mitigation Is Centerpiece to Stemming Wildfire Losses
Travelers: EPL Claims Over Vaccine Mandates on the Rise
Attorney: Homeowners Excess Liability Can Cover Defamation, Slander Claims
Swiss Re: Insurers Can Help Reduce World's Carbon Footprint
NAMIC: New President-CEO Embarks on a Mission 'to Be the Voice of the Mutual Industry’
VCIA: Vermont Captive Licenses Increase Roughly 30% In One Year
Vermont's Provost: Upcoming Captive Bill Promises Insurance Innovation
Marsh's Charnley: Challenging Market Continues to Drive Captive Formation Activity
Zesty.ai: Future of Wildfire Risk Mitigation Is Property Specific
Swiss Re: Climate Change Is Shrinking World's Economy
Wharton’s Kunreuther: 'We Are Myopic in Our Biases'
Swiss Re: Insurers Could Lead the Way to Negative Carbon Emissions
Panel: COVID-19 Dramatically Impacts Auto Insurers
Tech Start-Up: AI Can Help Reduce Blind Spots, Accidents
Munich Re Specialty Insurance E&S President: Inclusion Necessary to Reach Diversity's Full Potential
Wharton Professor: Insurers Have Opportunity to Develop 'Identity Loyalty'
Health Insurance Start-Up: Price Transparency, Incentives Changing Health Care
Panel: Education Key to Closing Flood Insurance Gap
ABIR: $19 Billion in New Capital Entered Bermuda in 2020-2021
Author: People Don't Realize How Diverse Insurance Industry Is
Attorney: Ransomware Is Emerging Epidemic
AM Best Briefing: Cyber Insurance at Inflection Point
US Assure: Builders Risk Insurers Are Bullish on Housing Market
IoT Insurance Observatory: Insurers Are Using Connected Devices to Prevent Loss
Private Mortgage Insurance Turning to Reinsurers, Capital Markets
AM Best Briefing: D&O Market Faces Difficulties Including Rising Losses
PCS: Insurance-Linked Securities Can Take on Political Violence Risk
Program Placement Platform: Some MGAs Are Becoming Insurtechs
Acacia Insurance Solutions: Blockchain Brings Data Integrity
Panel: Auto Insurers 'Changed on a Dime' During COVID-19 Pandemic
Wunderite: Customers Expect 'Google Maps' Experience With Agents
TransUnion: One Third of Consumers Reduced Insurance During Pandemic
Gallagher CEO: Brokers Are Consolidating, but Competition Not Diminishing
CSAA Insurance: Employers Must Be Flexible as Employees Return to Workplace
McKinsey: AI Will Be 'Ubiquitous' in Insurance Industry
Swiss Re: Parametric Cover Can Help Close Hurricane Insurance Gap
Author: Regulating How Insurers Use AI May Stifle Competition Prematurely
PainWorth CEO: App Helps Resolve Personal Injury Claims Faster
NEAM: Regulators, Legislators Asking More ESG Questions
Conning: ESG Factors Can Materially Impact Insurers' Investments
Assurant CEO: The Future Is the Gig Economy
Aon: Ransomware Attacks Up 400% in Two Years
MIT Offering Insurance Innovation Course in June
Travelers: EPLI Facing New Risks Including Biometrics, COVID-19
Bold Penguin: 'We're All Moving to an Amazon-Like Experience'
Liberty Mutual: Insurance Is a Socially Responsible Product
Institute: Insurers, Regulators Must Balance ESG Demands
Author: Insurance Can Lift People Out of Poverty
AUM Journal Editor: Exchange Traded Funds Are 'Regulatory Conundrum'
PRI Director: ESG Is 'Good Investing'
Deloitte: Insurers Must Invest More in Improved Underwriting
Avanta Ventures: Venture Capital Looking to Increase Insurtech Investments in 2021
IXN Tech CEO: App Enables Life Insurance Agents to Sell Anywhere
Guy Carpenter: Community-Based Catastrophe Insurance Can Close Protection Gap
TransUnion: Economic Recovery Is Uneven
Insurance Information Institute: Earthquake Retrofitting Saves Lives, Reduces Losses
CAC Specialty: Every Building Has Environmental Exposure
AIR Worldwide President: Open Standard Data Would Drive Efficiency, Reduce Costs
SEO Expert: Insurers of Any Size Can Compete Against the Super Spenders
Apex Bermuda: Demand for ESG Investments Could Drive ILS Growth
Insurance Library Director: Facility Offers Services, Education Remotely
Relay Platform CEO: Application Program Interfacing to Aid Commercial, Reinsurance Lines
Novarica: Differentiate Between Insurtechs and Long Standing Insurance Software Providers
Argo: Automation Can Speed Complex Commercial Business Underwriting
Quincy Mutual CEO: Insurance Is Still a 'People Business'
APCIA Chief: Congress Lacks Compromise 'Muscle Memory' on Insurance Policy
Risk Placement Services: Pandemic Creates E&S Opportunities
Missouri Insurance Department: Earthquake Insurance Take-Up Rate Falling
NAMIC: Defending Risk-Based Pricing a Top Industry Concern in 2021
Professor: Insurers Should Address Those Affected by Historical Inequalities
Attorney: Policy Exclusions Still Fodder for New York Courts
Psychologist: Pandemic-Related Stress May Impact Insurance Witnesses
Jensen Hughes: Biomechanical Engineers Bring New Perspectives to Insurers
Attorney: COVID-19, Quarantine Slowing Subrogation Cases
Attorneys: Fires Blamed on Lithium-Ion Batteries Can Spark Complex Litigation
Three Griffins: New App Helps Carriers Track Adjusters' Claims Progress
Claims Experts: Insurers Moving to Virtual, Ultimately Touchless, Claims
Independent Adjusters Taking COVID-19 Precautions
IBHS' Wright: Slow Storms, Fast Wildfires Put Focus on Resistant Home Construction
AM Best: Social Inflation May Impact Pandemic BI Claims
#MeToo Movement Claims Spread Into C-Suite
AM Best: Top Emerging Risks Include Climate Change, Cyber
Cyberrisks Expand to the Directors and Officers Realm
AM Best: Australian Fires Could Impact Earnings, Reinsurance Markets
Panel: Advanced Driving Assistance Systems Will Revolutionize the Auto Insurance Market
EagleView's Banta: Advanced Risk Perspectives Combine Vision, Technology
How Data, Machine Learning and AI Are Changing Insurance
The Future of Insurance Claims Management: Smarter, Faster, Efficient
WTW's Rodriguez: Data Access, Developing Staff Keys to Improving Claims
Wildfire Defense's Torgerson: Fighting Wildfires Now a Year-Round Event
AM Best Analysts: Wildfires Likely to Shake Up California's Homeowner's Market
AM Best Analysts: Hurricane Michael Will Likely Take Bigger Toll on Reinsurers
AM Best's Mistry: GCC Market Experiences Range of Catastrophic Losses
Cyber Insurance Market: Stress Testing the Future
AM Best Analysts: California Wildfires Will Impact Homeowners Insurers, Market
AM Best Analysts: Risks Changing for Legal Professional Liability Insurers
Prospect of Federal Rules for Cyber Puts Pressure on Insurers, States
Soaring Risk: Panelists Explain How They Launched a Hang-Gliding RRG
Starr's Greenberg: The First 100 Years Were Just the Beginning
Risk Panel: Cyber Is Growing Into the Risk That Connects Them All

Podcasts

Navigating Through Bicycle Claims - Episode #220
Mitigating System Control Failures - Episode #219
Understanding How OSHA’s Multiemployer Worksite Citation Policy Impacts Construction Claims - Episode #218
“Ununiformed Uniforms”- Avoiding Claims for Denial of Participation in Sports - Episode #217
Risk Mitigation for Lithium-ion Battery Failures - Episode #216
Current Employment Law Issues in Trucking and Transportation Litigation - Episode #215
The Impact of AI on Claims - Episode #214
Advantages of Mediation and Alternative Dispute Resolution in Resolving Claims - Episode #213
Investigating Automobile Theft Claims - Episode # 212
The Sudden Resurgence and Effectiveness of Structured Settlements in Claims Negotiations and Resolution - Episode #211
Planning Your Defense: How Experts Can Counter Plaintiff PowerPoint Strategies - Episode #210
When Every Second Counts: Managing Catastrophic Claims - Episode #209
Navigating South Carolina Construction Defect Claims - Episode #208
Court-Ball in Sports - Liability and Defenses in Claims to Reverse Officials’ Calls - Episode #207
Here Comes the Boom: An Overview of Crane Related Accidents - Episode #206
How the Corporate Representative Can Influence Litigation Outcomes - Episode #205
Current Trends in Liability Claims - Episode #204
How Smarter Homes Benefit Individuals with Disabilities and Claims - Episode #203
How Materials Science Impacts Insurance Claims - Episode #202
What Claims and Telemedicine Professionals Should Know About the COVID-19 Public Health Emergency Transition - Episode #201
What Insurers Should Know about Investigating Negligent Security Claims - Episode #200
Repelling Reptile Strategies and Establishing Boundaries in Expert Witness Testimony - Episode #199
What Insurers Should Know About Potential Claims Based on Hair Discrimination - Episode #198
The Importance of Early Case Management in the Litigation Process – Episode #197
How Insurance Claims Professionals Are Responding to Evolving Cyber Threats - Episode #196
The Challenges of Catastrophic Claims Handling - Episode #195
Insurance Defense Attorneys Combat Workers’ Compensation Fraud - Episode #194
What the Emergence of Autonomous Vehicles Means for Insurance Claims - Episode #193
Effective Interviewing and Interrogation in the Insurance Claims Process - Episode #192
How Changes to Life Care Planning Could Impact Insurance Claims - Episode #191
Understanding the Impact of Wrongful Expert Designation - Episode #190
How Smart Home Data is Used in Fire Scene Investigations and Claims - Episode #189
Building a Foundation: The Crucial Role of Background Investigations for Recorded Statements - Episode #188
How COVID-19 Is Changing Sports Risk - Episode #187
How Deposition Providers Help Control Claims Expenses - Episode #186
How Social Inflation is Changing Liability Insurance - Episode #185
It’s Only Fun Until Someone Gets Hurt: Emerging Risks in Amusements, Sports and Entertainment - Episode #184
How Developments in Structured Settlements Affect Today’s Insurance Claims Environment - Episode #183
How the Rollout of 5G Could Affect Insurance Claims - Episode #182
How New Technology is Changing Marine Loss Claims - Episode #181
The Complexity of Rideshare Claims - Episode #180
Effective Use of Visualizations in Claims Investigations - Episode #179
The Surprising Impact of Low-Impact Auto Claims - Episode #178
How COVID-19 is Changing Business Interruption Claims - Episode #177
Emerging Litigation Trends in Trucking and Transportation - Episode #176
How COVID-19-Related Claims Differ in Canada Versus the US - Episode #175
Investigating Commercial Vehicle Claims and Fraud - Episode #174
The Impact of COVID-19 on Claims in Brazil - Episode #173
Cumis Counsel Selection and its Impact on Claims - Episode #172
"Reverse Reptile:" How Defense Counsel Are Turning the Tables - Episode #171
Claims Impact of Michigan No-Fault Law Reformation - Episode #170
How the COVID-19 Crisis Creates an Environment for Fraudulent Insurance Claims - Episode #169
How COVID-19 is Changing Insurance Claims Handling and Inspections - Episode #168
Avoiding COVID-19 Claims When Returning to the Workplace - Episode #167
How COVID-19 Is Affecting Insurance Claims in Mexico - Episode #166
Assessing the Impact of COVID-19 on Business Interruption Claims - Episode #165
Coronavirus Impact on Claims and Litigation - Episode #164
Nuclear Containment: How Insurers and Insureds Can Avoid Excessive Verdicts - Episode #163
What Insurance Adjusters Should Know About Wildfire-Related Claims - Episode #162
What Insurers and Defense Counsel Should Know About E-Discovery - Episode #161
What New York Child Victims Act Means for Insurers - Episode #160
Navigating Florida Workers' Compensation Claims - Episode #159
Enterprise Risk Management Strategies - Episode #158
How Vocational Rehabilitation Impacts Claims - Episode #157
The Insurance Impact of Class Action Settlements - Episode #156
The Internet is Forever: Social Media's Role in Claims Litigation - Episode #155
The Approaching Wave of Autonomous Vehicles Drives New Risks to Insurers - Episode #154
Managing The Difficult Claim - Episode #153
The Growth of Class Action Lawsuits Involving Data Breaches - Episode #152
Water Claims Could Become the New Arson - Episode #151
Home Modification and Impact on Claims - Episode #150
How Expert Insurance Service Providers Provide Trial Testimony - Episode #149
Defending Construction Claims Under the New York Labor Law Statutes - Episode #148
Managing the Expense of Electronically Stored Information (ESI) Discovery Claims - Episode #147
How Expert Witnesses Should Handle Attempts to Ghostwrite Reports and the Impact on Liability Claims - Episode #146
Toxicology: A Small Dose of Science for Attorneys and Insurance Claims Professionals - Episode #145
Vehicle Modification and the Impact on Claims - Episode #144
Emerging Global Cyber Ransom Threats Require a Strategic Response from the C-Suite - Episode #143
The Safe Sport Authorization Act and Protecting Young Victims - Episode #142
How Social Media is Changing Insurance Claims Subrogation - Episode #141
Hurricane Harvey's Impact on Insurance Claims - Episode #140
Attendant Care Impact - Episode #139

Claims-Related News

Whisker Labs CEO: Technology Is Becoming a Major Tool in Loss Prevention
Industry Groups Oppose Maryland’s Proposal on Telematics-Related Notifications
Specialty Broker One80 Intermediaries Acquires MGU Waypoint Underwriting Management
ABI: Weather Drives Record Nine-Month UK Property Claims of $5.18 Billion
Trade Groups: New Zealand Insurance Law Changes Provide Carriers and Consumers More Certainty
AAIS Exec Returns to BMS as Director & African Practice Leader
Marine Mutual NorthStandard Raises Rates 5% to Counter Large Losses, Inflation
Texas Bill Would Make Workers’ Comp Mandatory for Construction Industry
MS&AD Boosts Second-Quarter Profit on Overseas Growth, Investment Income in Japan
AM Best: Global Tensions Elevate the Risks for Cyber Coverage
AM Best Analysts See Evolution in IFRS-17 Reporting as Insurers Navigate Complex Standards
Reality TV Personality Admits Guilt in $4 Million Crop Insurance Scam

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