Expert Commentary

U.S. Insurance Market Update

RIMS Survey Shows Rising Cost of Risk

August 1, 2014

The fourth quarter RIMS Benchmark Survey™ shows sharply falling D&O liability average premiums leading the insurance market down.

Cyber and Privacy Risk and Insurance

Changes in State Breach Notification Laws

Melissa Krasnow | August 1, 2014

As data breaches occur, notification laws are being amended or enacted. Melissa Krasnow elaborates.

Courts and Coverage

Burden of Proof in Coverage Litigation—Part 4

Brent Cooper | July 19, 2014

Brent Cooper looks at who has the burden of proof to show that a claim falls within the policy period.

Environmental

Contractors Environmental Liability Insurance: Claims-Made versus Occurrence

David Dybdahl | July 1, 2014

There is much debate over the best trigger for contractors environmental liability insurance. David Dybdahl clears up the confusion.

Captives

Captives: Renting versus Owning—The Debate Continues

Donald Riggin | July 1, 2014

Don Riggin looks at the pros and cons of each, particularly the tax deductibility of premiums.

Continuous Performance Improvement

Why Risk Management and Quality Management Must Converge

John Pryor | June 14, 2014

John Pryor explores the potential benefits of integrating quality management tools and principles into traditional risk management practices, emphasizing the importance of cross-functional communication and collaboration to improve efficiency, reduce costs, and enhance organizational performance.

Liability Insurance

The "Your Work Exclusion"—A Curious View

Craig Stanovich | June 1, 2014

Looking at a curious decision by the Alabama Supreme Court, Craig Stanovich points out the problems with its interpretation.

Construction Defect Coverage

Construction Defect and Occurrence: Still Crazy after All These Years

Patrick Wielinski | June 1, 2014

Explore the evolving landscape of occurrence-based CGL policies through a comprehensive review of recent court opinions and their implications for construction defect claims.

Reinsurance

When Contracts Collide: Complex Reinsurance Programs

Larry Schiffer | June 1, 2014

Where reinsurance and other contracts collide, courts look at the language of each contract. Larry Schiffer discusses a recent case on point.

Managing the Risks of Personal Injury from the Internet

Timothy O'Brien | May 23, 2014

Internet risks have moved from principally identity theft to a list of torts. Tim O'Brien examines the social network risks.