Expert Commentary

Latest Articles

Construction Defect Coverage

Policy Modifications and Endorsements Relating to Liability Insurance Coverage for Mold

Patrick Wielinski | March 1, 2002

Discover how policy modifications and endorsements impact liability insurance coverage for mold, enabling you to navigate the complexities of insurance claims and litigation.

Personal Lines Insurance

Credit-Based Insurance Scoring: A Simmering Debate

Robin Olson | March 1, 2002

With consumer groups squarely and vehemently lined up against the insurers, and regulators caught in the middle, compromises on this issue are virtually assured.

Reinsurance

Sorting Out the Reinsurance Contract Morass

Larry Schiffer | March 1, 2002

Reinsurance terminology, like technical terms in other industries, seems unintelligible at first glance. In this article, Larry Schiffer defines the terms and their usage for the uninitiated.

Environmental

The Pitfalls of Accepting Contaminated Fill

Jeff Slivka | March 1, 2002

What happens when an earthwork contractor accepts fill material at the site to establish proper elevations only to discover later that the "clean fill" is anything but? Jeff Slivka provides ways to control the exposure.

Workers Compensation Issues

Achieving Workers Compensation Savings through Medical Bill Repricing

Martin McGavin | February 9, 2002

Medical bill repricing leads to legitimate and real workers compensation savings, but it does have its drawbacks. Martin McGavin examines the process, including its strengths and weaknesses.

Surety

California Workers Compensation Self-Insured Bonds and the Principal's Bankruptcy

Marilyn Klinger | February 1, 2002

Many states allow employers to self-insure workers compensation (WC) as long as the employer supports that self-insurance with a surety bond or other security. Marilyn Klinger discusses California WC self-insured bonds in the context of the employer's bankruptcy.

Eradicating Sales Call Reluctance

The Secret Shame of Selling

Frank Lee | February 1, 2002

What do you do when your stellar salesman reveals he secretly is ashamed of selling? Frank Lee explains this type of Sales Call Reluctance and offers possible solutions.

Drafting and Interpreting Policies

Self-Insurance, Primary Insurance, and Excess Insurance: Adventures in Contract Interpretation

Kenneth Wollner | February 1, 2002

Litigation is increasingly used to resolve ambiguities and fill the gaps in risk financing documentation, and here Ken Wollner examines a recent decision by the Ninth Circuit Court of Appeals.

Terrorism Risk Management and Insurance

The ISO Terrorism Exclusions: Background and Analysis

Jeffrey Woodward | February 1, 2002

Explore the intricacies of ISO terrorism exclusions with IRMI's comprehensive analysis, detailing the evolution, specific exclusions, and regulatory responses across various states.