When Cheaper Feels Better—But Isn’t: The Psychology Behind Subrogation’s Costliest Mistake

Litigation is rarely cheap, but often necessary in the context of disputed insurance claims. Those who resist paying subrogation claims know that many insurers hesitate to file suit, hoping to “save money” on litigation costs. As a result, those same insurers frequently receive only partial recoveries, even on the strongest liability cases. Over the past…

Tenant Legal Liability (TLL) Programs: A Growing Threat to Property Subrogation Rights

The Emergence of Tenant Legal Liability Programs A new insurance product has emerged in the multifamily/rental housing industry that could impact insurers’ subrogation rights: Tenant Legal Liability (TLL) insurance and Tenant Liability Waivers are becoming increasingly common as apartment owners seek to ensure coverage for tenant-caused property damage without relying on tenants to directly purchase…