Expert Commentary

Latest Articles

Time Element

Business Interruption for Denial of Access to Insured Property

Douglas Berry | October 1, 2001

Will your insurance cover you if a civil authority closes or denies access to your insured property due some natural or other catastrophe? Doug Berry explains how the answer depends on the policy language.

Professional, D and O, and Fiduciary Liability

Broader Covered Perils Leave Gaps in Covered Losses under EPL Policies

Robert Bregman | October 1, 2001

Policy modifications and actions can mitigate a policyholder's exposure to uninsured losses.

Additional Insured Issues

Who Provides the Defense in Construction Defect Suits?

Joseph Postel | October 1, 2001

Subcontractors' insurers must provide a complete defense to the developer/general contractor, but can they force others to pitch in? Joe Postel examines recent case law.

Reinsurance

Understanding Reinsurance Terminology—Follow-the-Fortunes

Larry Schiffer | October 1, 2001

Larry Schiffer explains this bedrock doctrine that exemplifies the unique business partnership between the reinsured and reinsurer.

Healthcare Professional Liability Insurance

Medical Malpractice Insurance Trends? Chaos!

Charles Kolodkin | September 29, 2001

Premiums are doubling, deductibles tripling, and insurers are abandoning the line. Charles Kolodkin explains why the condition of the market is quite rationale and not surprising.

Design and Professional Liability

You Just Stood There? The Design Professional's Responsibility for Job Site Injuries

Kenneth Slavens | September 22, 2001

What should the design professional do after witnessing unsafe job site practices by the contractor? Ken Slavens explains how different jurisdictions answer that question and what can be done to both prevent injury and protect liability.

Environmental

Mold: The Newest Environmental Hazard

Alan Bressler | September 1, 2001

Obtaining insurance coverage for mold-related problems is difficult, with most insurers relying on pollution exclusions and/or newly added mold exclusions to deny coverage. Kevin Shane and Alan Bressler explain the basics of the problem and offer coverage solutions.

Risk Management Technology

RMIS Applications: Guidelines for Selection and Implementation

Anita Schoenfeld | September 1, 2001

Tillinghast-Towers Perin consultants David Whitesell and Anita Schoenfeld provide key points an organization should consider to ensure that a new information system is properly selected and smoothly implemented.

Workers Compensation Issues

Is an Unbundled Workers Compensation Program Right for Your Company?

Martin McGavin | August 1, 2001

Most employers assume they must choose between traditional insurance or self-insurance for workers comp. Martin McGavin examines the "unbundling" option, how it works, and its advantages and disadvantages.