Access IRMI Online Talk With Us
Home Articles Expert Commentary

Expert Commentary

Latest Articles

Clear All

Liability Insurance

Auto Versus Mobile Equipment in the 2004 CGL—An Update

Craig Stanovich | October 1, 2005

Insurance professionals must make determinations whether "mobile equipment" is subject to motor vehicle registration and financial responsibility laws or compulsory insurance laws. Craig Stanovich provides advice.

Personal Risk Management

Identity Theft: A Personal Risk Management Approach—Part 3

Robin Olson | September 17, 2005

In the final installation of his series on identity theft, Rob Olson examines the types of coverage offered by insurance organizations and banks, and lists other reforms that are needed to address this risk.

Mediation

Six Ways To Sabotage a Mediation

Jeff Kichaven | September 1, 2005

A lawyer on the dark side can ruin a mediation in untold ways. In a tongue-in-cheek article, mediator Jeff Kichaven explains some of them.

Claims Practices

Claims in a Disaster

Barry Zalma | September 1, 2005

In light of the many natural disasters this year, insureds who have never had to deal with insurance claims adjusters are confused or intimidated by the prospect. Barry Zalma provides advice.

Reinsurance

Avoiding the Reinsurance Credit Risk

Larry Schiffer | September 1, 2005

The best-case scenario for a reinsured is to have its reinsurance recoverables secured to avoid any unnecessary credit risk associated with obtaining reinsurance. Larry Schiffer explains.

Maritime Law

ADA Applies to Foreign-Flag Cruise Ships—In Theory

Michael Orlando | August 20, 2005

In June 2005, the U.S. Supreme Court handed down a decision that is an important, although not total, victory for disabled persons requiring improved access on cruise liners relating to the American with Disabilities Act (ADA). Michael Orlando explains.

Environmental

Silica Claim Barred by Total Pollution Exclusion in CGL Policy

Kent Holland | August 1, 2005

Kent Holland summarizes a California court decision rejecting the argument that by adding an endorsement explicitly excluding asbestos, the insurer had to do the same for silica.

Captives

Regulation of Captives: Who? Why? What Next?

Michael R. Mead | August 1, 2005

Michael Mead explains how regulation of captives is inherently different from the regulation of a traditional insurer as respects audience, taxation, and oversight. He also provides food for thought for the future.

Courts and Coverage

Who Can Reject Uninsured Motorist and Personal Injury Protection Coverage?

Brent Cooper | August 1, 2005

Brent Cooper and Dana Harbin look at the disparity among the state courts regarding who has the right to reject UM/PIP coverage, in what form, and under what circumstances.

Claims Practices

Rescission in California

Barry Zalma | August 1, 2005

Misrepresentations or concealment of material facts—whether intentional or not—can leave an insured without coverage, even for a legitimate claim. Barry Zalma looks at a recent case on point.

Access IRMI Online