Expert Commentary

Risk and Insurance History

The History of Proximate Causation

Richard Scislowski | July 1, 2011

Sir Francis Bacon, Sir Isaac Newton, and Aristotle can provide guidance on how courts have viewed causation under first-party property policies.

Personal Risk Management

Homecare Workers: Identifying and Managing Risks

Jack Hungelmann | June 11, 2011

Whether hiring an individual or going with an agency, risks exist. Jack Hungelmann explains.

Insurance Archaeology

Proving Standard Policy Language of Missing Insurance Policies

Douglas Talley | June 1, 2011

Doug Talley shows how a policyholder can prove the policy language of a missing policy using standard industry forms.

Intellectual Property

Copyright Infringement Risks Associated with Using Social Media

Sanford Warren | June 1, 2011

There are risks associated with distributing content via social platforms. Sanford Warren discusses how to mitigate them.

Liability Insurance

Legal Separation—The Severability Test in the CGL

Craig Stanovich | June 1, 2011

The implications of severability are often overlooked, misunderstood, or simply dismissed. Craig Stanovich explains.

Valuation of Insurance Organizations

Impact of Hard Market Expectations on Agency and Broker Value

Jeff Balcombe | May 13, 2011

Economic factors can reveal the current and future potential of valuations of insurance agencies and brokers, per Jeff Balcombe.

What's in a Loss Ratio? More Than Meets the Eye!

Donald J Riggin | May 1, 2011

What constitutes an acceptable loss ratio? Don Riggin shows ways to rehabilitate bad ratios.

Construction Safety

The Importance of Influence

Peter Furst | May 1, 2011

A big part of construction safety is influencing others for the good of the project. Peter Furst describes the basic human tendencies that come into play.

Personal Risk Management

Managing the Risks of Groundwater Damage

Jack Hungelmann | May 1, 2011

April showers bring May floods. Jack Hungelmann examines insurance and noninsurance strategies to counter groundwater damage.

Employment Practices

Supreme Court Rules California's Prohibition of Class Action Waivers in Arbitration Agreements Preempted by Federal Law

Paul Siegel | May 1, 2011

The Supreme Court upholds the enforceability of arbitration agreements. Paul Siegel relates the case.