Expert Commentary

Latest Articles

Property Insurance

Florida Revisits Its Condominium Insurance Statute Once Again

Douglas Berry | December 1, 2003

Doug Berry explains how a new statute affects hazard insurance policies issued to condominium associations with an effective date of January 1, 2004, and beyond.

Cyber and Privacy Risk and Insurance

Creating a Privacy Policy Compliant with the New Online Privacy Protection Act

Gary Clayton | December 1, 2003

Gary Clayton discusses a new California law sure to result in lawsuits against commercial website operators who don't post an adequate privacy policy and what should be done to comply.

Enterprise Risk Management

The Alchemy of Enterprise Risk Management

Jerry Miccolis | December 1, 2003

In his last ERM column for IRMI, Jerry Miccolis explains how the science and practice of ERM is rooted in the Modern Portfolio Theory and the "portfolio effect." Interesting examples are provided.

Market Practices

Excess Follow Form versus Umbrella

Peter Polstein | December 1, 2003

Peter Polstein takes a look at excess insurance by addressing coverage terms and conditions, and negotiations.

Cyber and Privacy Risk and Insurance

Cyber Liability Insurance Issues for Large Companies

Michael A. Rossi | November 1, 2003

Mike Rossi takes a look at how large firms are covering their e-business and cyber activity risks and what to look for in the broad-based/multiline policies now available in the market.

Cyber and Privacy Risk and Insurance

Tech E&O Insurance—A Primer for Risk Managers

Michael A. Rossi | November 1, 2003

Mike Rossi answers some questions that are commonly asked by many risk managers about tech errors and omissions insurance: What is it? Why do I need it? How does it work?

Reinsurance

Understanding the Business-Covered Clause in a Reinsurance Contract

Larry Schiffer | November 1, 2003

Larry Schiffer explains the two generic types of reinsurance coverage—losses-occurring-during and risks or policies-attaching contracts—their importance, complicating factors, and hybrids.

Healthcare Professional Liability Insurance

The Government Weighs in: What's Causing Increased Medical Malpractice Premium Rates

Charles Kolodkin | October 18, 2003

The General Accounting Office recently completed an extensive study of the medical malpractice insurance industry and the factors that have caused premium rates to increase.

Corporate Aviation

Private Aviation: Being an Additional Insured

Adam Webster | October 11, 2003

Private air charters pose many risk management and insurance challenges for clients. In this new corporate aviation column, Adam Webster discusses what to watch out for.