Expert Commentary

Environmental

Mold Litigation: Expert Testimony Required to Prove Causation

Kent Holland | April 1, 2006

Kent Holland explains how expert testimony may be required to prove causation of property damages in mold cases.

Surety

California Curtails Unlicensed Contractors' Recovery for Their Work

Marilyn Klinger | April 1, 2006

Marilyn Klinger details a ruling stressing that contractors who enter into contracts to perform work do so at their own peril.

Mobile Equipment and the 2006 Business Auto Policy

Maureen McLendon | March 11, 2006

ISO has added a new covered auto designation symbol in its 2006 BAP - symbol 19. Maureen McClendon explains the implications.

Ethics

Where Our Ethics Come From

George Head | March 1, 2006

March is Ethics Awareness month. Dr. George Head takes a broad look at individual ethics and how they are developed.

Claims Practices

New ISO ACV Definition and California Statute

Barry Zalma | March 1, 2006

ISO responds to claims handling difficulties caused by recent California statutory changes. Barry Zalma explains.

Liability Insurance

Additional Insured Endorsements—A Potential Minefield—Part 3

Craig Stanovich | March 1, 2006

In this final segment, Craig Stanovich explores possible pitfalls of additional insured endorsement exclusions, coverage restrictions, and conditions.

Current Trends and Issues

Marketing Health Insurance through "Trusteed Groups": a Perversion of the Group Insurance Concept

Tim Ryles | March 1, 2006

Tim Ryles explains why consumers are best advised to avoid the purchase of such products.

Surety

Construction Surety Bond Liability for Consequential Damages

Marilyn Klinger | March 1, 2006

Marilyn Klinger relates those cases that have found sureties liable for consequential damages in a loose chronological order going back 40 years.

Property Insurance

The National Flood Insurance Program: Two Major Problem Areas

Jay Levin | March 1, 2006

Risk managers need to understand the precise parameters of their insurance coverage for flood. Jay Levin explains.

Continuous Performance Improvement

Deming's Point #9 as Applied to the Insurance Industry

John Pryor | March 1, 2006

John Pryor discusses Dr. W. Edwards Deming's ninth principle: "Break down barriers between staff areas."