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Environmental

Homeowners Policy Unambiguously Excluded Coverage for Mold

Kent Holland | October 1, 2004

Kent Holland examines a recent New Jersey court case ruling that mold was not covered as an ensuing loss due to vandalism.

Mediation

When Mediators Cross the Line

Jeff Kichaven | October 1, 2004

Mediators can sometimes cross the line when they commandeer the lawyer's role as well as the mediator's role. Jeff Kichaven discusses the avoidable mistakes of the mediator and advocate.

Internal Controls

Internal Control and Leaking Profits

Matthew Leitch | October 1, 2004

Lost money is lost profit. Using the telecommunications industry as an example, Matthew Leitch explains how to find the leaks and plug draining revenues.

Workplace Violence Prevention

Deadly Terminations … and How To Avoid Them

James Madero | October 1, 2004

Dr. James Madero examines the team approach versus the hindsight approach to workplace violence prevention when terminating potentially dangerous employees.

Captives

Taking a Closer Look at Captive Costs

Michael R. Mead | October 1, 2004

Mike Mead breaks down the costs for a captive program—including taxes, boards, and bureaus; fronting fees; claims administration fees; and costs of loss control and ways to reduce them.

Market Practices

Medical Malpractice: Things To Consider

Peter Polstein | October 1, 2004

Peter Polstein looks at medical malpractice coverage and proper underwriting practices.

Wrap-Up Programs

Wrap-Ups and the Balance Sheet Effect

Richard Resnick | October 1, 2004

In his risk management wrap-up column, Richard Resnick takes a look at the asset side of the balance sheet with the goal of achieving ultimate cash savings with a wrap-up.

Additional Insured Issues

The Courts and Equitable Subrogation versus Equitable Contribution (Part 3)

Joseph Postel | October 1, 2004

In the first of a three-part series, Joseph Postel examines court rulings on additional insured status and how courts have treated - and often confused equitable contribution and equitable subrogation.

Liability Insurance

The New ISO Commercial General Liability Policy: A Summary of December 2004 Policy Changes

Craig Stanovich | October 1, 2004

Craig Stanovich reviews the changes to the current October 2001 edition CGL policy and discusses two completely new ISO forms dealing with electronic data and product withdrawal.

Risk and Insurance History

American Insurance at the Dawn of the Twentieth Century

John Bogardus | September 1, 2004

Jack Bogardus and Robert Moore examine the evolution of the US insurance agency system, highlighting the role of technology, business practices, and regulation in shaping the professionalism of insurance agents and brokers from the late 19th century to the early 20th century.