We are pleased to present this Special Issue, dedicated to showcasing pioneering research across a wide array of multidisciplinary domains. This edition marks a significant milestone in the journal’s evolution, as it is the first issue to offer Digital Object Identifiers (DOIs) for all published articles and to provide full open access, thereby enhancing the visibility, credibility, and reach of scholarly contributions.
We invite readers to engage with the diverse and forward-thinking research presented in this landmark issue—research that is not only shaping scholarly discourse today but also laying the foundation for the innovations of tomorrow.

Edited by:
Ms. Amea F. Hardwick

Co-Edited by:
Dr. Priyanka Verma
Mr. Faisal Al-Khatib 
Ms. Sofia T. Monteverde

InsurTech & Customers

This regular issue of the journal marks a significant advancement by introducing Digital Object Identifiers (DOIs) for all published articles—enhancing discoverability and citation—while maintaining closed access. Additionally, it adopts a rolling publication model, enabling the timely online release of articles immediately upon acceptance and completion of the editorial process.

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Technical Editors
Dr. Marco V. Bellisario 
Expertise: Insurance Fraud, Claims Management, and Latin American Law

Special Issue, dedicated to groundbreaking research across a spectrum of multidisciplinary subjects. This issue is a celebration of innovation, addressing diverse fields. It invites scholars to explore uncharted territories, challenge norms, and contribute to a collective pool of transformative knowledge.
With contributions from leading researchers worldwide, this special edition promises to ignite new conversations, bridge disciplinary gaps, and pave the way for future collaborations. Dive into this landmark issue and discover the cutting-edge research shaping tomorrow.

Edited by:
Ms. Amea F. Hardwick
Expertise: Regulatory Compliance in Insurance, Consumer Protection

Associate Editors:
Mr. Takeshi Kuroda
Expertise: Cyber Insurance, Legal Implications of AI in Insurance

Ms. Priya Menon
Expertise: Microinsurance and Rural Insurance Policy Law

Mr. Nathaniel Q. Blackthorne
Expertise: Environmental Insurance and Climate Change Policies

InsurTech & Frauds

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Technical Editors
Ms. Julia E. Claybourne 
Expertise: InsurTech and Digital Transformation in Legal Frameworks

Special Issue, dedicated to groundbreaking research across a spectrum of multidisciplinary subjects. This issue is a celebration of innovation, addressing diverse fields. It invites scholars to explore uncharted territories, challenge norms, and contribute to a collective pool of transformative knowledge.
With contributions from leading researchers worldwide, this special edition promises to ignite new conversations, bridge disciplinary gaps, and pave the way for future collaborations. Dive into this landmark issue and discover the cutting-edge research shaping tomorrow.

Edited by:
Ms. Amea F. Hardwick
Expertise: Regulatory Compliance in Insurance, Consumer Protection

Associate Editors:
Mr. Takeshi Kuroda
Expertise: Cyber Insurance, Legal Implications of AI in Insurance

Ms. Priya Menon
Expertise: Microinsurance and Rural Insurance Policy Law

Mr. Nathaniel Q. Blackthorne
Expertise: Environmental Insurance and Climate Change Policies

Deep in Legalities - II

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Legal Research Editors
Dr. Zainab M. Al-Bashir
Expertise: Agricultural Insurance and Legal Reforms in Developing Nations

Special Issue, dedicated to groundbreaking research across a spectrum of multidisciplinary subjects. This issue is a celebration of innovation, addressing diverse fields. It invites scholars to explore uncharted territories, challenge norms, and contribute to a collective pool of transformative knowledge.
With contributions from leading researchers worldwide, this special edition promises to ignite new conversations, bridge disciplinary gaps, and pave the way for future collaborations. Dive into this landmark issue and discover the cutting-edge research shaping tomorrow.

Edited by:
Ms. Amea F. Hardwick
Expertise: Regulatory Compliance in Insurance, Consumer Protection

Associate Editors:
Prof. James H. Davenport
Field: Interdisciplinary Studies in Science and Commerce

Dr. Walter C. Greenridge 
Expertise: EU Insurance Directives, Cross-Border Insurance Practices

Deep in Legalities - I

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Legal Research Editors
Dr. Felix W. Hawkridge
Expertise: Data Privacy in Insurance, Cyber Insurance Laws

Special Issue, dedicated to groundbreaking research across a spectrum of multidisciplinary subjects. This issue is a celebration of innovation, addressing diverse fields. It invites scholars to explore uncharted territories, challenge norms, and contribute to a collective pool of transformative knowledge.
With contributions from leading researchers worldwide, this special edition promises to ignite new conversations, bridge disciplinary gaps, and pave the way for future collaborations. Dive into this landmark issue and discover the cutting-edge research shaping tomorrow.

Edited by:
Dr. Eleanor C. Radcliffe
Field: Sociology and Cultural Studies

Associate Editors:
Prof. James H. Davenport
Field: Interdisciplinary Studies in Science and Commerce

Dr. Vinh Tran
Field: Sustainable Development and Renewable Energy

Regional Focus Series: South America

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Regional Editors
Dr. Juan P. Sorrento
Region: South America
Expertise: Marine Insurance and Trade Practices

Regional Focus Series: Africa

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Regional Editors
Mr. Themba N. Odum
Region: Africa
Expertise: Disaster Insurance and Legal Challenges

Regional Focus Series: Asia-Pacific

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Regional Editors
Dr. Leena R. Basu 
Region: Asia-Pacific
Expertise: Health Insurance Policies, Market Penetration Laws

Regional Focus Series: North America

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Regional Editors
Dr. Lydia B. Cromwell
Region: North America
Expertise: Class Actions in Insurance, Bad Faith Litigation

Regional Focus Series: Europe

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Regional Editors
Dr. Walter C. Greenridge 
Region: Europe
Expertise: EU Insurance Directives, Cross-Border Insurance Practices

Associate Series - VI

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Mr. Takeshi Kuroda
Expertise: Cyber Insurance, Legal Implications of AI in Insurance

Associate Series - V

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Ms. Sofia T. Monteverde
Expertise: Insurance Fraud and Claims Practices

Associate Series - IV

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Mr. Nathaniel Q. Blackthorne
Expertise: Environmental Insurance and Climate Change Policies

Associate Series - III

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Ms. Priya Menon
Expertise: Microinsurance and Rural Insurance Policy Law

Associate Series - II

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Dr. Claudia M. Ravenscroft
Expertise: Actuarial Risk and Legal Frameworks

Associate Series - I

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Associate Editors
Prof. Henry J. Alderwood
Expertise: Comparative Insurance Legislation, Policy Analysis

Managing Vision Edition

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts

Managing Editor
Ms. Amea F. Hardwick
Expertise: Regulatory Compliance in Insurance, Consumer Protection

Editor-in-Chief Focus

Editor-in-Chief
Dr. Edward T. Grandtham
Expertise: International Insurance Law, Reinsurance Contracts