J. Steven Cruz

The proliferation of craft-style microdistilleries has generated a new set of loss exposures in the alcohol service industry.

Insurers rely on data and analytics to help them mitigate risk, project future losses, and set premiums. Much of that information is delivered automatically, and insurers use intelligent software to process it. However, there’s a drawback to artificial intelligence (AI): it’s weak on making judgment calls in certain instances.

From Sarasota to Sausalito, America’s predominantly small, family-owned-and-operated farms are combining agriculture with tourism in their quest to make ends meet.