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Risk Management

Planning: An Overlooked Risk Management Technique

William Austin | October 4, 2024

Risk management planning is a must to do. William Austin describes using macro- and microplanning steps to develop a program and provide additional value to the organization.

Terrorism Risk Management and Insurance

Attack on America: The Insurance Coverage Issues

Robin Olson | September 30, 2024

In part 1 of this article, IRMI research analysts conclude that most property and casualty war risk exclusions do not apply to claims arising from the September 11 terrorist attacks on America. In part 2, they explore how other policy provisions are likely to be applied to these claims.

Terrorism Risk Management and Insurance

Attack on America: The Insurance Coverage Issues—Part 2

Robin Olson | September 30, 2024

In part 1 of this article, IRMI research analysts conclude that most property and casualty war risk exclusions do not apply to claims arising from the September 11 terrorist attacks on America. In part 2 they explore how other policy provisions are likely to be applied to these claims.

Auto Risk Management

Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality

Robin Olson | September 30, 2024

Many insurers and industry groups believe non-original equipment manufacturer (OEM) or aftermarket parts are the same quality as OEM parts, but are they truly of like kind and quality? This article examines the debate.

Catastrophe Risk Management

FAQs for Surviving Tornado Losses

Robin Olson | September 30, 2024

IRMI offers information about dealing with tornado insurance claims.

Personal Lines Insurance

Insuring the Home-Based Business (Part 1)

Robin Olson | September 30, 2024

In this first of three articles, Rob Olson looks at current statistics and homeowners policy restrictions.

Personal Lines Insurance

Insuring the Home-Based Business (Part 2)

Robin Olson | September 30, 2024

In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."

Personal Lines Insurance

Insuring the Home-Based Business (Part 3)

Robin Olson | September 30, 2024

In Part 3 of this series, Rob Olson looks at the proper endorsements and policies needed to adequately protect home-based businesses.

Auto Risk Management

Inherent Diminished Value Claims for Personal Autos

Robin Olson | September 30, 2024

Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.

Auto Risk Management

Senior Drivers and Insurance Concerns

Robin Olson | September 30, 2024

As baby boomers age, the number of senior drivers increases. Rob Olson discusses the importance of finding ways now to reduce the frequency and severity of automobile accidents involving elderly drivers.