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Environmental

Broad Pollution Exclusion Is Ambiguous: Lead Covered by Policy

Kent Holland | May 1, 2005

Kent Holland reviews a New York case involving a pollution exclusion and discusses the Catch-22 situation facing insurers who want to modify their policy language to eliminate ambiguity.

Wrap-Up Programs

Rolling Wrap-Up Programs

Richard Resnick | May 1, 2005

There are many variables to the rolling wrap-up program. Rich Resnick discusses the pitfalls and the upside of instituting these programs.

Cyber and Privacy Risk and Insurance

Storing Liability: the Increasing Risks of Off-Site Data Storage

Gary Clayton | May 1, 2005

New legislation, particularly in California, requires that firms protect the data they store. Gary Clayton outlines steps that should be taken to avoid risks associated with the loss of personal information.

Workplace Violence Prevention

School Violence

James Madero | April 9, 2005

The potential for school violence has led many school systems to either implement a school violence prevention program or augment the one already in place. Dr. James Madero explains.

Environmental

Whether Mold Cleanup Costs Are Covered Depends on Causation

Kent Holland | April 1, 2005

"When a covered event causes mold, the mold damage includes the cost of removal." Kent Holland explains this ruling by the New Jersey appellate court on a homeowner dispute.

Internal Controls

Why the COSO Frameworks Need Improvement

Matthew Leitch | April 1, 2005

Matthew Leitch looks at COSO's recent "Enterprise Risk Management—Integrated Framework," pointing out weaknesses that need to be rectified before it becomes an internal control standard.

Captives

When Is Reinsurance Not Reinsurance?

Michael R. Mead | April 1, 2005

Mike Mead looks at the risk management implications of reinsurance and excess insurance for captives. Lack of regulation and standardization complicates the matter.

Continuous Performance Improvement

Deming's Point #5 as Applied to the Insurance Industry

John Pryor | April 1, 2005

When focused on the customer, continuous process improvement, through process mapping, has transformed insurance organizations. John Pryor provides some examples.

Ethics

Special Knowledge, Special Duties?

George Head | April 1, 2005

Do risk management professionals have a responsibility to share their expertise with others, even when they are not paid or asked to do so? Dr. George Head says "Yes!"

Claims Practices

Insurance and the Law of Unintended Consequences

Barry Zalma | April 1, 2005

Barry Zalma looks at how efforts by and for the insurance industry have resulted in far greater problems: rising costs, soaring litigation, increasing fraud, and a reputation seemingly beyond repair.