Expert Commentary

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.

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.

Courts and Coverage

Additional Insured Endorsement Should Cover a Tenant's "Operations"

Richard Scislowski | May 1, 2011

A recent Third Circuit case shows why it's preferable to specify a tenant's operations, not use, when arranging additional insured coverage for a landlord.

Reinsurance

Multiparty Reinsurance Contracts—All for One and One for All

Larry Schiffer | May 1, 2011

Larry Schiffer discusses the act-as-one provision found in many arbitration clauses.

Time Element

Supply Chain Exposures—What It Means to a Risk Manager

William Austin | May 1, 2011

Risk managers don't have to experience an earthquake half a world away to suffer a business interruption loss William Austin explains.

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

Donald 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.

Personal Lines Claims

Black Swans on the Horizon: Expecting the Unexpected

Elise Farnham | April 1, 2011

To effectively manage future losses, Elise Farnham stresses that claims professionals and their organizations must ask, 'What if?'