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In the century since the Titanic sank, how much do you think has changed in the passenger cruise industry? Certainly safety measures improved — every ship has lifeboats enough for everyone on board. Still, the Costa Concordia accident gives one pause: Perhaps it’s been so long since a cruise ship went down that we have all been lulled into a false sense of security. As regulators and law enforcement scrutinize the problems with the Concordia and its Florida-based parent company, insurance companies are reevaluating their risk calculations.

The parent company of the Costa Concordia announced recently that a Florida company would be handling the salvage of the ship. A different contractor removed the stricken ship’s fuel in March, warding off an environmental disaster in the process. And a major insurance company reported that it, too, avoided disaster: The company took a hit from the Costa Concordia, but it still made a profit — there still may be customer claims and lawsuits, though, especially for the families of the 32 people who died.

We are finishing up our series of posts to commemorate the 100th anniversary of the sinking of the RMS Titanic. There is something about the disaster, something that has particularly captured the imagination for the past century. For us, of course, it’s a great story about insurance coverage and claim payments. But for others, it is the folly of believing the ship to be unsinkable; or it is the appalling loss of life, or the fact that so many famous people were on the ship; or it is the sheer luxury of the ship that passengers enjoyed for a few short days. Titanic has become a metaphor for just about everything: hubris, glamour, human error and class differences.

The history of insurance is remarkably interesting. While gambling on risk dates back to ancient civilizations, most insurance wonks consider the introduction of “modern” insurance to date to the late 17th Century at Lloyd’s coffee house. Of course, if you ask some Florida homeowners, not much has changed in the last 300 years: It can still take months or years for an insurance company to pay a claim.

John Jacob Astor, Isidor Straus, Benjamin Guggenheim: These men were just three of the millionaires lost on Titanic. Their estates were worth millions — Straus, $4.4 million; Guggenheim, $3.5 million; Astor, untold millions, considering he left trusts for his unborn son of $3 million and his widow of $5 million. Their wealth was enough that their families may not have worried about their life insurance policies paying out quickly, or at all.

When the Costa Concordia foundered in January, insurance industry insiders thought the cruise line’s Florida-based parent company would avoid insurance and legal liability. It seemed that, with their ticket purchase, passengers agreed to pursue legal actions through the Italian courts. The venue for insurance claim disputes has been a source of contention.

There are all sorts of laws that apply to parades, demonstrations and marches. Generally, if a group wants to use city streets, the city must first give them permission. Before they grant permission, though, city governments ask for certain reassurances from the organizers. Key among those is that the sponsoring organization has liability insurance to cover the event.

We are finishing up our foray into the magic of movies and their multiple perils. According to movie and insurance industry professionals, few insurance companies provide all the different policies a production would need. It apparently takes a cast of thousands of risk managers to determine what kinds of coverage and what limits are appropriate for any given movie.

Sometimes it feels as if movie credits are longer than the movie. The cast, the best boy, the star’s hairdresser, the director’s assistant, the songs and their performers, all the locations — it is a little overwhelming, and most people walk out well before the last credit rolls.

The awards season is over, and trailers for summer blockbusters are beginning to show up in theaters and on television. This is the time of year when moviegoers lay bets on how many explosions they will see during the previews. The closer we are to Memorial Day, the more destructive the movies seem to be.