Expert Commentary

Latest Articles

Workers Compensation Issues

The Employee Leasing Decision

Christine Fuge | August 1, 2000

Employee leasing offers a variety of benefits, including a possible reduction in net expenses. However, it is not a strategy without risk. IRMI reviews some of the issues to assess when considering this option.

Cyber and Privacy Risk and Insurance

Third-Party Liability E-Commerce Risks and Traditional Insurance Programs

Michael A. Rossi | August 1, 2000

Mike Rossi aims to help you better understand how to review an insurance program with respect to e-commerce risks, as well as to evaluate the need for special e-commerce insurance policies.

Enterprise Risk Management

Enterprise Risk Management in the Financial Services Industry: Still a Long Way to Go

Jerry Miccolis | August 1, 2000

The promise of ERM for financial services managers is that it can help them systematically make business decisions that contemplate all types of risk (e.g., event risks, operational risks, and financial risks). But, how close is this industry to realizing the promise of ERM? A recent Tillinghast-Towers Perrin survey reveals the answer.

Construction Safety

Contractor Qualification

Ron Prichard | August 1, 2000

The first step in a sound construction risk management program is the selection of a qualified contractor. This article provides a methodical process of evaluating and comparing contractor qualifications.

Employment Practices

Nonunion Employees Gain Right to Representation during Investigatory Interviews

Paul Siegel | August 1, 2000

This article discusses a recent National Labor Relations Board decision holding that nonunion employees have the right to representation during an interview that might lead to disciplinary action and its potential impact on the workplace.

Agent and Broker Technology Issues

Managing Electronic Communications

Steve Anderson | July 15, 2000

Steve Anderson looks at the growth of email.

Professional, D and O, and Fiduciary Liability

Online Underwriting Information for D&O Liability Insurance

Robert Bregman | July 1, 2000

The availability of online financial and other important data has made D&O underwriters less dependent on paper submissions, allowing them to make faster, more accurate assessments that ultimately benefit both parties to an insurance transaction. This article reviews some of the sources of this data and how it is used.

Liability Insurance

When a Breach of Contract Constitutes an Accident

Jill Berkeley | July 1, 2000

Courts that confuse damages arising in "tort" with damages arising in "contract" overlook an important legal principle, as well as misuse the concept of "negligence" in the insurance context. The argument that concludes no coverage exists for breach of contract actions puts the cart before the horse. Jill Berkeley explains.