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Liability Insurance

The Impaired Property Exclusion

Craig Stanovich | April 1, 2010

Exclusion m. of the CGL policy is routinely cited but often misunderstood. Craig Stanovich illustrates how it applies.

Property Insurance

Crime—Getting More Out of the Policy

William Austin | April 1, 2010

Crime exposures, forms, triggers, and limits are tricky. William Austin explains how to enhance coverage.

Personal Risk Management

Reducing Umbrella Risks by Having One Agent

Jack Hungelmann | March 1, 2010

Keep your personal liability coverage with one insurer or one agent, advises Jack Hungelmann.

Courts and Coverage

Only Defense Costs Paid by Named Insured Satisfy the Self-Insured Retention

Richard Scislowski | March 1, 2010

Only defense costs paid by named insured satisfy the self-insured retention.

Reinsurance

Prejudice, Smejudice: Late Notice in the Face of a Condition Precedent

Larry Schiffer | March 1, 2010

Courts carefully analyze whether a notice provision is indeed a condition precedent. Larry Schiffer reviews the case law.

Liability Insurance

Lowered Expectation: How Courts Treat Expected Injury Exclusions

Steven Rawls | February 1, 2010

Courts struggle to differentiate between expected and intended injury, per Steven Rawls.

Time Element

Property and Business Interruption Claims: What If We Don't Rebuild "As Was"?

Michael Speer | February 1, 2010

After a significant property loss, Michael Speer says all options regarding repair or replacement need to be considered.

Claims Management

Litigation Management—Crucial but Confusing

February 1, 2010

Litigation is expensive. Glenn Brown explains how to manage costs.

Claims Practices

Legitimate Loss Becomes a Crime When Insured Lies

Barry Zalma | February 1, 2010

Barry Zalma relates a case proving that it doesn't pay to lie to the police and your insurer.

Captives

Captive Underwriting Profits without Third-Party Business

Donald Riggin | February 1, 2010

Don Riggin shows how a single-parent captive can reduce expenses and convert some of it into underwriting income.