Expert Commentary
Latest Articles
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.
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.
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.
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.
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.
Additional Insured Issues
The Courts and Equitable Subrogation versus Equitable Contribution (Part 3)
Joseph Postel | October 1, 2004
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
Continuous Performance Improvement
Deming's Point #4 as Applied to the Insurance Industry
John Pryor | September 1, 2004
Courts and Coverage
"Controlled Substance" Exclusion in Homeowners Policy Bars Coverage
Richard Valentino | September 1, 2004
Additional Insured Issues
The Courts and Equitable Subrogation versus Equitable Contribution (Part 2)
Joseph Postel | September 1, 2004
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
Barry Zalma | September 1, 2004
