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Home Articles Expert Commentary

Expert Commentary

Latest Articles

Employee Well-Being

Maintaining the Holistic Health of Employees

Sally Spencer-Thomas | October 4, 2024

Sally Spencer-Thomas examines ways to improve worker safety by systematizing stress management not just for the body but for the whole person.

Auto Risk Management

Auto Manufacturer Parts versus Aftermarket Parts: A Question of Quality

Robin Olson | September 30, 2024

Many insurers and industry groups believe non-original equipment manufacturer (OEM) or aftermarket parts are the same quality as OEM parts, but are they truly of like kind and quality? This article examines the debate.

Catastrophe Risk Management

FAQs for Surviving Tornado Losses

Robin Olson | September 30, 2024

IRMI offers information about dealing with tornado insurance claims.

Personal Lines Insurance

Insuring the Home-Based Business—Part 1

Robin Olson | September 30, 2024

In this first of three articles, Rob Olson looks at current statistics and homeowners policy restrictions.

Personal Lines Insurance

Insuring the Home-Based Business—Part 2

Robin Olson | September 30, 2024

In this second of three articles, Rob Olson looks at court cases involving homeowners policy restrictions and what constitutes a "business."

Personal Lines Insurance

Insuring the Home-Based Business—Part 3

Robin Olson | September 30, 2024

In Part 3 of this series, Rob Olson looks at the proper endorsements and policies needed to adequately protect home-based businesses.

Auto Risk Management

Inherent Diminished Value Claims for Personal Autos

Robin Olson | September 30, 2024

Is perceptual or psychological diminished value—the perceptual loss of vehicle market value due to an accident—covered under the personal auto policy? This article examines the debate, relevant case law, and ISO's response.

Auto Risk Management

Senior Drivers and Insurance Concerns

Robin Olson | September 30, 2024

As baby boomers age, the number of senior drivers increases. Rob Olson discusses the importance of finding ways now to reduce the frequency and severity of automobile accidents involving elderly drivers.

Reinsurance

The Honorable Engagement Clause

Larry Schiffer | September 25, 2024

While used less frequently nowadays, these provisions still appear in some reinsurance contracts. Larry Schiffer discusses their use.

Intellectual Property

Enforcement Insurance for Intellectual Property Assets

Chuck Baxter | September 24, 2024

Chuck Baxter describes how this coverage supports patents, trademarks, and copyrights so companies can realize the full benefit of their intellectual property assets.