Expert Commentary
Latest Articles
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.
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 2
Robin Olson | August 1, 2005
What are the steps a person can take to reduce the chance of identity theft? If a theft occurs, what steps should be taken to mitigate the size and scope of the loss? Rob Olson provides some answers.
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.
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 1
Robin Olson | July 9, 2005
Identity theft is the fastest growing crime in the United States today, and everyone is a potential victim. In this first of three articles, Robin Olson focuses on the risk itself.
Catastrophe Risk Management
The Impact on Lifelines on the Estimation of Natural Hazard Loss
Nathan Gould | July 1, 2005
Dr. Nathan Gould explains how loss of service of key lifelines can lead to increased downtime following a major natural disaster and significantly elevated business interruption costs.
Continuous Performance Improvement
Deming's Point #6 as Applied to the Insurance Industry
John Pryor | July 1, 2005
Dr. W. Edwards Deming's sixth principle is 'Institute training. Training must be totally reconstructed.' In his description of this point, Dr. W. Edwards Deming draws a strong distinction between training and education.
Cyber and Privacy Risk and Insurance
Addressing Liability Risks for Data Loss from an Insurance and Contractual Risk Transfer Perspective
Michael A. Rossi | July 1, 2005
Mike Rossi discusses new strategies to help risk managers, brokers, and others address third-party liability risk involving lost or corrupted data.
Courts and Coverage
Unmarried Cohabitants Are Not "Members" of the Same "Household"
Richard Valentino | July 1, 2005
What constitutes a household? Richard Valentino looks at a recent 11th Circuit case where the term was deemed ambiguous and lists rulings from other jurisdictions on the topic.
Environmental
Silica Claim Barred by Total Pollution Exclusion in CGL Policy
Kent Holland | August 1, 2005
Courts and Coverage
Who Can Reject Uninsured Motorist and Personal Injury Protection Coverage?
Brent Cooper | August 1, 2005
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 2
Robin Olson | August 1, 2005
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 1
Robin Olson | July 9, 2005
Catastrophe Risk Management
The Impact on Lifelines on the Estimation of Natural Hazard Loss
Nathan Gould | July 1, 2005
Continuous Performance Improvement
Deming's Point #6 as Applied to the Insurance Industry
John Pryor | July 1, 2005
Cyber and Privacy Risk and Insurance
Addressing Liability Risks for Data Loss from an Insurance and Contractual Risk Transfer Perspective
Michael A. Rossi | July 1, 2005
Courts and Coverage
Unmarried Cohabitants Are Not "Members" of the Same "Household"
Richard Valentino | July 1, 2005
