Expert Commentary

Employment Practices

Do Employee Layoffs Equal Litigation?

Paul Siegel | April 1, 2009

With discrimination charges on the increase, costly lawsuits follow. Paul Siegel provides employers with risk management tips.

Construction Safety

Construction Risk Management in a Hard Economy: The Risks

TJ Lyons | April 1, 2009

Economic downturns greatly affect construction. TJ Lyons shows how inappropriate cost cutting can spell disaster.

Liability Insurance

Other Insurance and the CGL Policy

Craig Stanovich | April 1, 2009

Craig Stanovich provides a basic understanding of the 'other insurance' clause of the commercial general liability policy.

Personal Lines Insurance

The Underwriting Submission—Homeowners Insurance

Elise Farnham | March 1, 2009

Elise Farnham shows how important it is for producers to focus on understanding all of the risk exposures.

Property Insurance

Crime Insurance—The Other Property Policy

William Austin | March 1, 2009

William Austin examines how ISO crime policies provide theft coverage to replace that excluded in commercial property policies.

Reinsurance

Clash Cover Reinsurance and Economic Catastrophe Losses

Larry Schiffer | March 1, 2009

Typically, reinsurance arrangements do not require security to obtain performance, but in this economic downturn, many ceding insurers are. Larry Schiffer explains.

Time Element

Challenges in Assessing a Business Interruption Claim

Paul Haynes | February 1, 2009

Paul Haynes provides operational definitions of business interruption and examples of problems due to external conditions and coverage confusion.

Enterprise Risk Management

The Role of the CIO in the Risk Intelligent Enterprise

Mark Layton | February 1, 2009

CIOs must redefine their roles and become more creative, proactive, innovative, and strategic than ever before.

Liability Insurance

CGL Insurance and the Question of Intent

Steven Rawls | February 1, 2009

Steven Rawls examines court decisions on whether the CGL covers intentional acts by the insured where injuries or damages are substantially certain to occur.

Structured Insurance Programs

Donald Riggin | February 1, 2009

Don Riggin outlines the issues surrounding structured insurance programs.