Expert Commentary

Reinsurance

Underwriting and Claims Clauses in Reinsurance Agreements

Larry Schiffer | September 1, 2012

Reinsurers often want certain understandings put in writing about how the ceding insurer underwrite and handle claims. Larry Schiffer provides examples.

Insurance as a Commodity? Addressing Our Industry's Biggest Challenge

Timothy O'Brien | August 17, 2012

Tim O'Brien explains why we need to help consumers examine the actual worth of the coverage being offered.

Construction Safety

Innovations in Construction Safety—Error-Proofing

Peter Furst | August 1, 2012

While construction safety has traditionally focused primarily on the worker, Peter Furst says attention should be on the process.

Personal Lines Claims

Claims: There's an App for That, or Is There?

Elise Farnham | July 7, 2012

Elise Farnham develops ideas for mobile phone applications for insurance claims adjusters.

Captives

Captives and Life Insurance

Michael R. Mead | July 1, 2012

Yes, captives are used to provide life insurance, says Michael Mead. He explains how.

Time Element

Burden of Proof in Business Interruption Claims

Michael Speer | July 1, 2012

Michael Speer points out the importance of objective, verifiable, and evidentiary support of the claim.(IRMI.com article)

Builders Risk Insurance

Builders Risk Insurance: When Coverage Interpretation Relies on Nonpolicy Documents

Steven Coombs | July 1, 2012

In claims situations, Steven Coombs says it can be necessary to look outside the policy to determine coverage.

Environmental

CGL Absolute Pollution Exclusion Barred Coverage for Chinese Drywall Damages

Kent Holland | June 1, 2012

Kent Holland relates a case holding that reduced sulfur gases are a pollutant dispersed into the atmosphere.

Courts and Coverage

Taking and Defending an Adjuster's Deposition—Part 1

Brent Cooper | June 1, 2012

In this new series, Brent Cooper first examines whether the deposition should be taken at all.

Personal Risk Management

Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence

Jack Hungelmann | June 1, 2012

Using your motor home as a second residence? Jack Hungelmann advises buying cheap but effective insurance.