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Principle 9: Don't interfere in rate-setting.

Accurately accounting for risk allows insurers to provide new products tailored to the needs of consumers.

Principle 8: Don't ban territorial rating.

Using geographical location in determining insurance rates results in better insurance prices that more accurately reflect risk.

Sam Staley Discusses Traffic Congestion and Ways to Address it

Transportation expert Sam Staley is leading a project to recommend solutions to traffic congestion in major metropolitan areas.

Minnesota State Sen. Mike Jungbauer Addresses Environment Issues

Minnesota State Senator Mike Jungbauer speaks about environmental issues and free-market solutions in an interview with Heartland Institute Senior Fellow James M. Taylor, managing editor of Environment & Climate News.

Interview with Louisiana Insurance Commissioner James Donelon

Arin Greenwood speaks with James Donelon, Louisiana's insurance commissioner, about the state of Louisiana's property insurance market and what he sees coming for Louisiana's public property insurer.

Principle 6: Reform and phase out the National Flood Insurance Program.

The National Flood Insurance Program is deeply in debt and has not worked as intended.
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