Regardless of what the economy does, claims are coming, in droves. Historically, in economic downturns, claim frequency rises. People fuss over smaller amounts, although in more stable or boom times, they might not have done so. In recent conversations with attorneys across the nation, we are hearing of new suits and growing intentions of waves of insurance claims for business interruption, loss of business income, etc. There have even been state legislatures passing new laws to make these claims easier to prosecute, to “protect the policyholder.” We are further all hearing and reading about recent unemployment filings erasing the gains of the past ten years, and the vast inability of people to pay their debts on credit cards, auto, and home mortgage loans. All in all, this type of financial risk activity will affect every one of us, particularly companies in the claims business. And if that were not enough, there may be some related concerns lurking out there, which probably should be part of the conversation, in the claims business. Notably, and maybe surprisingly, plaintiffs’ lawyers have increased their advertising. We are seeing plaintiff lawyer television commercials, during prime-time nightly news, particularly on the ten o’clock circuit–like never before. …