This author has not written his bio yet.
But we are proud to say that Kyle Langan contributed 34 entries already.
Edited January 2026 by David Aloyan, Jerry Conrey, Kyle Langan Business Auto Business auto hazards include deliveries, client meetings, and daily commutes or errands. The ownership, maintenance, or use of vehicles creates exposures to loss.¹ To mitigate these exposures, a business must properly title and insure its vehicles. Companies also need strategies to promote safe […]
Is Juul’s claim covered? Kyle Langan True or False? Juul Labs is protected by its Commercial General Liability for numerous states suing the company over its marketing practices. Juul Juul devices were originally 18+, then a 21+ age requirement was set, like alcohol. Any e-cigarette like Juul is obviously a health concern for minors, […]
Introduction This essay’s purpose is for an example of interventionism and the ultimate iatrogenic/cost. I first learned about the S.S. Eastland from Mark Spitznagel and I give full credit to the rest of my education on the incident to eastlandmemorial.org. This is not a summary of the incident, but specifically highlighting the naive intervention and […]
Tri Phan How wildfires, urban conflagrations spread and impact property Ways that fires spread and cause damage to property: Direct flames: Actual flame coming into direct contact with a building/combustible material. (Smith, 2009) *Airborne embers: Flaming airborne embers can travel more than a mile from an active wildfire. More than half of wildland interface home […]
Tri Phan, Kyle Langan 2025 “Anytime you have the winds coming with no rain, it’s very nerve-wracking.” – Cal Fire Capt. Matt McKenzie (referencing Paradise, CA) Traits of wildfires, urban conflagrations Uncertainty When will the next wildfire in California happen? Gains from stressors A spark, a bolt of lightning, a gust of wind, a heat […]
This West Warwick, Rhode Island tragedy was one of the deadliest nightclub fires of all time. For concert venue hosts, this was an example of what not to do. Reaction What to do? Overreact — so as to innovate fire safety measures Install a properly functioning sprinkler system. The level of safety provided is not […]
2/4/25 Kyle Langan Cyber insurance purchasers should look for insurers offering to “pay on behalf of the insured.” This preferred contract language can present a challenge to find but it is available. Example: We shall pay on behalf of the Insured, all Claim Expenses and Damages resulting from a Claim first made against any Insured […]
Stressors in desiccated regions Kyle Langan, 2025 Dry winds If you’ve ever lived in a place prone to wildfires, the sounds of strong wind absent rain may keep you up at night. Scenario: Record-breaking snow water contents in the winter… Those living in California probably experienced or at least heard about the epic skiing conditions […]
Kyle Langan, 2025 Auto risk mitigation: Will Philadelphia innovate? The city’s incomplete Litter Index survey for 6 years in a row does not seem like innovation (credit to a story I read, by Meir Rinde). Dangerous conditions for pedestrians Broad St at Cherry St in Philadelphia looked dangerous the last time I saw. Center city Philadelphia […]
Intervention Brings Product Liability, Recall Risk for Manufacturers Kyle Langan, 2024 Manufacturers intervene to provide a quantity of supply for a product’s market. However, the process can lead to unforeseen consequences — sometimes it is only unforeseen for the consumer, like the case of Semaglutide. [1] This intervention by manufacturers can cause bodily injury worse […]
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