Dr. Jill Bisco
Assistant Professor
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Office
SFHB State Farm Hall Of Business 427
Office Phone
Email
- About
- Education
- Awards & Honors
- Selected Research
Biography
After nearly three decades in the insurance industry (both agency and corporate setting), I obtained my Ph.D. and started my academic career at the University of Akron, before joining the faculty at Illinois State University in 2022.
Current Courses
FIL 250.001 Introduction to Risk Management in Business
FIL 250.005 Introduction to Risk Management in Business
FIL 356.001 Property and Liability Insurance
FIL 356.002 Property and Liability Insurance
FIL 250.001 Introduction to Risk Management in Business | Syllabus
FIL 250.008 Introduction to Risk Management in Business | Syllabus
FIL 356.001 Property and Liability Insurance | Syllabus
Teaching Interests & Areas
I take great pleasure in teaching students by leveraging my extensive experience in the insurance industry. My aim is to provide them with a comprehensive framework for examining risk in business. Through practical examples and real-world insights, I strive to equip students with the knowledge and skills necessary to navigate the complexities of the industry. My goal is to lay a strong foundation that not only enhances their understanding of risk management but also prepares them to launch successful careers in the field.
Research Interests & Areas
My research primarily focuses on the regulation and legislation surrounding the insurance industry. I am particularly interested in how these regulatory frameworks impact the operational decision-making processes within insurance companies. This includes examining the strategies insurance companies employ to comply with regulations, the influence of legislative changes on their business models, and the overall effect of regulatory policies on industry practices and consumer protection.
PhD Risk Management and Insurance
Florida State University
Tallahassee, FL, United States
MS Risk Management and Insurance
Florida State University
Tallahassee, FL, United States
BS Business Administration
University of Wisconsin - Platteville
Platteville, WI, United States
Other General Studies
UW Center - Richland
Richland Center, WI, United States
Gamma Iota Sigma Distinguished Service Award
Grand Chapter of Gamma Iota Sigma
2023
Donald W. Hardigree Memorial Award for Outstanding Research Paper
Western Risk and Insurance Association
2021
Advisor of the Year
Gamma Iota Sigma
2019
Finance Advisory Board Research Award
CBA Finance Department Advisory Board
2019
Dean's Service Excellence Award
College of Business Administration, The University of Akron
2018
Finance Advisory Board Research Award
CBA Finance Department Advisory Board
2018
Outstanding Mentor
The University of Akron
2018
Outstanding Teacher Award
The University of Akron
2018
Supporting the Student Experience Award
The University of Akron
2018
Finance Advisory Board Research Award
CBA Finance Department Advisory Board
2017
Cynthia Waters Fletcher/Kristen Waters Hood Scholarship
Florida State University
2013
Elfreda Egger Memorial Scholarship
Florida State University
2013
Best Doctoral Student Paper Award
Southern Risk and Insurance Association
2013
FSU Featured Student
Florida State University
2013
Cynthia Waters Fletcher/Kristen Waters Hood Scholarship
Florida State University
2012
Robert T. Powell Endowed Scholarship
Florida State University
2012
Spencer Scholar
Spencer Educational Foundation
2012
Cynthia Waters Fletcher/Kristen Waters Hood Scholarship
Florida State University
2011
Elfreda Egger Memorial Scholarship
Florida State University
2010
Business Scholarship
UW Center - Richland
1997
Lilly Hanson Memorial Scholarship
UW Center - Richland
1997
UW - Richland Faculty Scholarship
UW Center - Richland
1997
Land's End Business Scholarship
UW Center - Richland
1996
Peter & Arlene Athanas Scholarship
UW Center - Richland
1995
UW Center - Richland Alumni Association Scholarship
UW Center - Richland
1995
Grants and Contracts
Risk Manager on Campus
Jill Bisco
Spencer Education Foundation, Inc.. July 2020 - July 2021
Risk Manager in Residence
Jill Bisco
Spencer Education Foundation, Inc.. July 2019 - July 2020
Spencer Education Foundation Grant
Jill Bisco
Spencer Education Foundation. February 18 2019 - July 2019
Risk Manager in Residence
Jill Bisco
Spencer Education Foundation, Inc.. July 2018 - July 2019
Spencer Education Foundation Grant
Jill Bisco
Spencer Education Foundation. January 1 2018 - December 31 2019
Risk Manager in Residence
Jill Bisco
Spencer Education Foundation, Inc.. June 1 2017 - March 1 2018
Robert P Ashlock Risk Management and Insurance Development Program
Jill Bisco
The Institutes - Griffith Foundation. May 2017 - May 2019
The O'Neill Group - Legacy of Caring Fund through Westfield Insurance
Jill Bisco
Legacy of Caring. June 2017 - May 2019
Risk Manager in Residence
Jill Bisco
Spencer Educational Foundation, Inc. August 2016 - December 2016
Risk Manager in Residence
Jill Bisco
Spencer Educational Foundation, Inc. September 2015 - November 2015
Risk Manager in Residence
Jill Bisco
Spencer Educational Foundation, Inc. January 2015 - March 2015
Conference Proceeding
Great Lakes Academy of Legal Studies Annual Conference
Bisco, J., & Gradisher, S.
Secretary, GLALSB, (2024)
Journal Article
Retained Asset Accounts - The Past, The Present and The Concern for Consumer Disclosure
Bisco, J., & Gradisher, S.
Journal of Insurance Regulation, 44 (1), (2025)
Ambiguities in Per Capita Distributions: Navigating Complexities in Estate Planning and Life Insurance
Bisco, J., Gradisher, S., & Wang, J.
Journal of Financial Service Professionals, 78 (3), 54-67, (2024)
How's the Recovery? Salvage and Subrogation in the Property-Liability Insurance Industry
Bisco, J., & Fier, S.
Journal of Insurance Regulation, (2023)
Life Insurance Beneficiaries – Per Capita vs. Per Stirpes: Is it Really that Clear?
Bisco, J., Gradisher, S., & Wang, J.
Journal of Insurance Regulation, (2023)
The Impact of Monitor Choice on Loss Reserves
Bisco, J., Sirmans, E., McCullough, K., & Moises Montesinos Yufa, H.
Risk Management and Insurance Review, 26 (1), 83-105, (2023)
The Effect of External Monitoring on Conservative Financial Reporting in the Property-Casualty Insurance Industry
Bisco, J., Booker, K., & Reddic, W.
Auditing: A Journal of Practice & Theory, 41 (4), 179-197, (2022)
A.M. Best Rating Outlooks and Financial Strength Rating Changes
Bisco, J., Fier, S., & Holder, A.
Journal of Insurance Issues, 44 (1), 1-37, (2021)
Business Interruption Insurance and COVID-19 - Coverage Issues and Public Policy Implications
Bisco, J., Fier, S., & Pooser, D.
Journal of Insurance Regulation, 39 (5), (2020)
Licensing and Reporting in the U.S. Pet Insurance Market
Bisco, J., & Fier.
Journal of Insurance Regulation, 39 (2), 1-27, (2020)
The Changing Face of America and the Demand for Financial Advisors
Bisco, J., & Cole, C.
Journal of Financial Services Professionals, 74 (1), 35-45, (2020)
Post-Claim Underwriting and the Verification of Insured Information: Evidence from the Life Insurance Industry
Bisco, J., McCullough, K., & Nyce, C.
The Journal of Risk and Insurance, 86 (1), 7-38, (2019), 10.1111/jori.12189
Women and Diversity – Why the Conversation Must Continue in Financial Services
Bisco, J., Gradisher, S., & Mulholland, B.
Journal of Financial Services Professionals, 73 (73), 72-84, (2019)
State-Based Retirement Plans - Why or Why Not?
Bisco, J., & Cole, C.
Journal of Insurance Regulation, 36 (9), 1-25, (2018)
Denied and Resisted Claims: Recommended Changes to Schedule F
Bisco, J.
Journal of Insurance Regulation, 36 (10), 1-19, (2017)
Effect of Government Run Healthcare on the Salary of Nursing Professionals in the US
Bisco, J., Cole, C., & Karl, J.
Journal of Insurance Issues, 40 (2), 215-246, (2017)
Retained Asset Accounts and Creditor Reactions to A.M. Best Changes
Bisco, J., & McCullough, K.
Risk Management and Insurance Review, 20 (3), 277-307, (2017)
Banking Without Guarantees? Public Policy Considerations Concerning Insurance Company Retained Asset Accounts
Bisco, J., & Marzen, C.
Baltimore Law Review, 46 (1), (2016)
Social Media and Employment Practices Liability in Recruiting and Hiring
Bisco, J., McCullough, K., & Cole, C.
Professional Liability Underwriters Society (PLUS) Journal, 26 (6), 1, 5–6, (2013)
Biloxi’s Big Gamble ... That Paid Off
Bisco, J., East, T., Johnston, K., & Ohlstrom, M.
CPCU eJournal, 62 (1), 1–9, (2009)
Other
Business Interruption Insurance and COVID-19: Coverge Issues and Public Policy Implications - Executive Summary
Bisco, J., Fier, S., & Pooser, D.
National Association of Insurance Commissioners, 1, 1, (2020)
Licensing and Reporting in the U.S. Pet Insurance Market - Executive Summary
Bisco, J., & Fier, S.
National Association of Insurance Commissioners, (2020)
Presentations
Hidden Risks for Volunteer Emergency Responders
Jill Bisco, Suzanne Gradisher
Great Lakes Academy of Legal Studies in Business Conference, Akron, OH, October 23, 2025
Single State Insurers: Characteristics and Performance
Jill Bisco, David Pooser
Southern Risk and Insurance Association Annual Meeting, San Antonio, TX, November 26, 2024
A Quarterly Analysis of Loss Reserves
Jill Bisco, Tice Sirmans, Kathleen McCullough
Great Lakes Academy of Legal Studies in Business, Akron, OH, October 25, 2024
Ambiguities in Per Capita Distributions: Navigating Complexities i Estate Planning and Life Insurance
Jill Bisco, Suzanne Gradisher, Jinjing Wang
NAIFA Journal Live, Online, July 11, 2024
Life Insurance Beneficiaries – Per Capita vs Per Stirpes: Is It Really Clear?
Jill Bisco, Suzanne Gradisher, Jinjing Wang
2024 Financial CoNEXTion Career Exploration Competition Conference, Caribbean Cruise, February 27, 2024
The Impact of Affiliate P&C Losses on Life Insurance Dividend Payments
Jill Bisco, Stephen Fier
Southern Risk and Insurance Association Annual Meeting, Savannah, GA, November 20, 2023
Retained Asset Accounts - The Past, the Present and the Concern for Consumer Disclosure
Jill Bisco, Suzanne Gradisher
Great Lakes Academy of Legal Studies in Business Conference, Akron, OH, October 25, 2023
Retained Asset Account - A Story to Tell
Jill Bisco, Suzanne Gradisher
Great Lakes Academy of Legal Studies in Business Conference, Frankenmuth, MI, October 6, 2023
A Quarterly Analysis of Loss Reserves
Jill Bisco, Tice Sirmans, Kathleen McCullough
NAIC/CIPR Insurance Summit, Kansas City, MO, September 18, 2023
Do Relationships Between Audit and Non-Audit Service Providers Impact Audit Quality?
Jill Bisco, Allan Blay, Tice Sirmans, Kathleen McCullough
NAIC/CIPR Insurance Summit, Kansas City, MO, September 14, 2023
Do Relationships Between Audit and Non-Audit Service Providers Impact Audit Quality?
Jill Bisco, Allan Blay, Tice Sirmans, Kathleen McCullough
American Accounting Association, Denver, CO, August 8, 2023
Do Relationships Between Audit and Non-Audit Service Providers Impact Audit Quality?
Jill Bisco, Allan Blay, Tice Sirmans, Kathleen McCullough
American Risk and Insurance Association, Washington, DC, August 8, 2023
A Quarterly Analysis of Loss Reserves
Jill Bisco, Tice Sirmans, Kathleen McCullough
Southern Risk and Insurance Association, New Orleans, LA, November 21, 2022
Life Insurance Beneficiaries – Per Capita vs Per Stirpes: Is It Really Clear?
Jill Bisco, Suzanne Gradisher, Jinjing Wang
Great Lakes Academy of Legal Studies in Business, Akron, OH, October 21, 2022
The Dissection of Insurer Loss Reserves: A Quarterly Analysis of Bulk Reserves
Jill Bisco, Tice Sirmans, Kathleen McCullough
American Risk and Insurance Association, Long Beach, CA, August 1, 2022
Managerial Discretion and Loss Reserves: Breaking Down Case vs. Bulk Reserves
Jill Bisco, Kathleen McCullough, Tice Sirmans
Southern Risk and Insurance Association Annual Conference, Virtual, December 9, 2020
Managerial Discretion and Loss Reserves: Breaking Down Case vs. Bulk Reserves
Jill Bisco, Kathleen McCullough, Tice Sirmans
World Risk and Insurance Economic Congress, Virtual, August 2, 2020
Factors Impacting the Demand for Financial Planners – A State Level Analysis
Jill Bisco, Cassandra Cole
Southern Risk and Insurance Association, Orlando, FL, United States, November 19, 2018
AM Best Rating Outlooks and Rating Changes
Jill Bisco, Stephen Fier, Ashley Holder
Southern Risk and Insurance Association, Nashville, TN, November 21, 2017
Loss Reserves and the Employment Status of the Appointed Actuary: Evidence from the U.S.
Jill Bisco, Kathleen McCullough, Hugo Moises Mantesinos Yufa, E. Tice Sirmans
Southern Risk and Insurance Association, Nashville, TN, November 21, 2017
Loss Reserves and the Employment Status of the Appointed Actuary: Evidence from the U.S.
Jill Bisco, Kathleen McCullough, Hugo Moises Mantesinos Yufa, E. Tice Sirmans
American Risk and Insurance Association, Toronto, Canada, August 8, 2017
Do Insurers Manipulate Loss Reserves Leading Up to and Following a Regulatory Financial Examination
Willie Reddic, Jill Bisco, Kayla Booker
FMA European Conference, Lisbon, Portugal, June 2, 2017
How's the Recovery? A Review of Salvage and Subrogation
Jill Bisco
Southern Risk and Insurance Association, Savannah, GA, United States, November 22, 2016
Do Insurers Manipulate Loss Reserves before a Regulatory Financial Examination
Jill Bisco, Kayla Booker, Willie Reddic
Southern Risk and Insurance Association Annual Meeting, New Orleans, LA, United States, November, 2015
Effect of Government Run Healthcare on the Salary of Nursing Professionals in the US
Jill Bisco, Cassandra Cole, J. Bradley Karl
Southern Risk and Insurance Association Annual Meeting, New Orleans, LA, United States, November, 2015