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Home Articles Expert Commentary

Expert Commentary

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Captives

Captive Stories: The Genesis of Risk Shifting and Risk Distribution

Donald Riggin | January 1, 2015

Don Riggin digs deep to discuss a 1941 ruling that an annuity and an insurance policy produced no insurance risk.

Design and Professional Liability

Mold and Professional Liability Insurance

Jeff Slivka | January 1, 2015

Does the typical professional liability policy cover mold and microbial issues? Jeff Slivka takes a quick look.

Web-Based Insurance Marketing

Why Backlinks Matter to Local SEO and Where to Get Them

Ryan Hanley | December 20, 2014

Ryan Hanley examines ways to increase your agency's search engine results.

Liability Insurance

The Duty To Defend—Groundless, False, or Fraudulent

Craig Stanovich | December 6, 2014

This language was dropped from the 1986 and later editions of the CGL policy. Craig Stanovich looks at the effect.

Environmental

Insurance Coverage for Losses Arising from the Ebola Virus

David Dybdahl | December 1, 2014

Coverage may exist in general liability and property insurance policies that would not be there for fungi and bacteria contamination. David Dybdahl explains.

Additional Insured Issues

Making Your Bed: "Blanket" Additional Insured Endorsements and the Underlying Agreement

Gregory Podolak | December 1, 2014

It is wise to have a fully executed, written contract with the named insured describing the requested coverage Gregory Podolak elaborates.

Current Trends and Issues

Just What Does "Amount of Loss" Amount to in Appraisal Clauses?—Part 3

Tim Ryles | December 1, 2014

Arbitration and appraisal have similarities but are fundamentally distinct. Dr. Tim Ryles examines specific language and court interpretations.

Property Insurance

Potential Insurance Company Fraud in Superstorm Sandy Litigation

Jay Levin | December 1, 2014

In the wake of Superstorm Sandy, highly questionable practices within the insurance industry have been revealed. Jay Levin relates several cases.

Reinsurance

Which Came First, the Insurance Policy or the Reinsurance Contract?

Larry Schiffer | December 1, 2014

Larry Schiffer explains there is no boundary to how a reinsurance contract may limit—or expand—coverage available to the ceding insurer.

Construction Safety

Construction Safety Best Practices

TJ Lyons | December 1, 2014

TJ Lyons explains construction safety best practices that were discussed at the IRMI Construction Risk Conference when he hosted one of the Construction Café tables with the topic "Best Practices in Construction Safety—Bring One, Gather Many," sponsored by Zurich.