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Catastrophe Risk Management

Understanding the Vulnerability of Hospitals to Natural Disasters

Nathan Gould | December 1, 2004

If risks posed by natural hazards are not properly addressed, hospitals may themselves become victims of the disaster. James Bailey and Nathan Gould explain.

Liability Insurance

CGL—Covered Locations

Craig Stanovich | December 1, 2004

The CGL policy is subject to its actual terms and conditions, including the policy territory. Craig Stanovich takes a look at the many facets of what constitutes "covered locations."

Claims Practices

Fraudulent Application Can Haunt the Broker

Barry Zalma | December 1, 2004

Barry Zalma discusses a recent California case holding that if the broker knew the application contained false information, it can be held liable to the insurer for resulting damages.

Reinsurance

The Naked Truth—The Reinsurer's Right to Information

Larry Schiffer | December 1, 2004

Access to records clauses grant reinsurers the right to inspect the ceding company's records. Larry Schiffer examines their enforceability and scope.

Employment Practices

An Imperative for Employers Everywhere: California Enacts Sexual Harassment Training Statute

Paul Siegel | December 1, 2004

California Enacts Sexual Harassment Training Statute. A new law dictates that employers provide a harassment-free workplace and have the legal duty to prevent the misconduct and remedy its consequences. Paul Siegel explains.

Maritime Law

Enforcement of Federal Law on Foreign-Flagged Ships in U.S. Waters

Michael Orlando | November 13, 2004

Does the Americans With Disabilities Act apply to foreign cruise ships when in U.S. waters? The Fifth and Eleventh Circuits disagree. Michael Orlando explains.

Litigation Management

Litigation Management—Proactive or Reactive Budgeting?

Michael Boutot | November 1, 2004

Budgeting can be a very valuable tool if done in a proactive mindset, yet keeping past mistakes in mind. Michael Boutot explains the goals and pitfalls.

Surety

Unraveling Letters of Credit

Marilyn Klinger | November 1, 2004

Marilyn Klinger attempts to unravel the various different titles placed on letters of credit, emphasizing that it is the language that is the crux of any letter of credit.

Courts and Coverage

"No-Fault" Coverage Insures Injuries Arising Out of the Use of a Vehicle

Brent Cooper | November 1, 2004

Brent Cooper and Dana Harbin look at court rulings on the issue of whether personal injury protection coverage applies when non-collision injury occurs, but the vehicle is somehow involved.

Personal Lines Claims

Adjusting Residential House Fires

George Epps | October 9, 2004

Adjusting a house fire is a difficult endeavor under the best of circumstances. George Epps looks at fire claims where the coverage is on an actual cash value basis.