Expert Commentary
Latest Articles
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.
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.
Courts and Coverage
Diminishing Value: The Trend against Coverage under Personal Automobile Policies
Brent Cooper | September 1, 2004
Brent Cooper examines 2003 state supreme court rulings that personal auto policies do not obligate insurers to compensate insureds for diminished value when their vehicles are fully repaired.
Additional Insured Issues
The Courts and Equitable Subrogation versus Equitable Contribution (Part 2)
Joseph Postel | September 1, 2004
In the second 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.
Continuous Performance Improvement
Deming's Point #4 as Applied to the Insurance Industry
John Pryor | September 1, 2004
"End the practice of awarding business on the basis of price tag alone." John Pryor discusses this W. Edwards Deming principle along with real-world examples.
Reinsurance
Multiyear Policies and Annualization of Reinsurance Limits
Larry Schiffer | September 1, 2004
Where progressive injuries span more than a year, is the injury a separate occurrence in each of those years, and does the full liability limit apply? Larry Schiffer examines the case law.
Courts and Coverage
"Controlled Substance" Exclusion in Homeowners Policy Bars Coverage
Richard Valentino | September 1, 2004
In this personal lines courts and coverage column, Richard Valentino examines recent cases dealing with insurance coverage for drug dealer liability.
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
Barry Zalma | September 1, 2004
Barry Zalma examines a recent California Supreme Court ruling which concluded that the CGL pollution exclusion does not exclude ordinary acts of negligence involving toxic chemicals.
Mediation
Absolute Confidentiality—Is It Wise?
Jeff Kichaven | August 1, 2004
Jeff Kichaven shows how current legislation and recent California case law mistakenly rely on absolute confidentiality as the key to mediation's effectiveness.
Liability Insurance
The New ISO Commercial General Liability Policy: A Summary of December 2004 Policy Changes
Craig Stanovich | October 1, 2004
Risk and Insurance History
American Insurance at the Dawn of the Twentieth Century
John Bogardus | September 1, 2004
Courts and Coverage
Diminishing Value: The Trend against Coverage under Personal Automobile Policies
Brent Cooper | September 1, 2004
Additional Insured Issues
The Courts and Equitable Subrogation versus Equitable Contribution (Part 2)
Joseph Postel | September 1, 2004
Continuous Performance Improvement
Deming's Point #4 as Applied to the Insurance Industry
John Pryor | September 1, 2004
Reinsurance
Multiyear Policies and Annualization of Reinsurance Limits
Larry Schiffer | September 1, 2004
Courts and Coverage
"Controlled Substance" Exclusion in Homeowners Policy Bars Coverage
Richard Valentino | September 1, 2004
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
Barry Zalma | September 1, 2004
