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Wrap-Up Programs

Wrap-Ups and the Balance Sheet Effect

Richard Resnick | October 1, 2004

In his risk management wrap-up column, Richard Resnick takes a look at the asset side of the balance sheet with the goal of achieving ultimate cash savings with a wrap-up.

Additional Insured Issues

The Courts and Equitable Subrogation versus Equitable Contribution (Part 3)

Joseph Postel | October 1, 2004

In the first of a three-part series, Joseph Postel examines court rulings on additional insured status and how courts have treated - and often confused equitable contribution and equitable subrogation.

Liability Insurance

The New ISO Commercial General Liability Policy: A Summary of December 2004 Policy Changes

Craig Stanovich | October 1, 2004

Craig Stanovich reviews the changes to the current October 2001 edition CGL policy and discusses two completely new ISO forms dealing with electronic data and product withdrawal.

Risk and Insurance History

American Insurance at the Dawn of the Twentieth Century

John Bogardus | September 1, 2004

Jack Bogardus and Robert Moore examine the evolution of the US insurance agency system, highlighting the role of technology, business practices, and regulation in shaping the professionalism of insurance agents and brokers from the late 19th century to the early 20th century.

Continuous Performance Improvement

Deming's Point #4 as Applied to the Insurance Industry

John Pryor | September 1, 2004

"End the practice of awarding business on the basis of price tag alone." John Pryor discusses this W. Edwards Deming principle along with real-world examples.

Courts and Coverage

"Controlled Substance" Exclusion in Homeowners Policy Bars Coverage

Richard Valentino | September 1, 2004

In this personal lines courts and coverage column, Richard Valentino examines recent cases dealing with insurance coverage for drug dealer liability.

Courts and Coverage

Diminishing Value: The Trend against Coverage under Personal Automobile Policies

Brent Cooper | September 1, 2004

Brent Cooper examines 2003 state supreme court rulings that personal auto policies do not obligate insurers to compensate insureds for diminished value when their vehicles are fully repaired.

Additional Insured Issues

The Courts and Equitable Subrogation versus Equitable Contribution (Part 2)

Joseph Postel | September 1, 2004

In the second of a three-part series, Joseph Postel examines court rulings on additional insured status and how courts have treated - and often confused equitable contribution and equitable subrogation.

Reinsurance

Multiyear Policies and Annualization of Reinsurance Limits

Larry Schiffer | September 1, 2004

Where progressive injuries span more than a year, is the injury a separate occurrence in each of those years, and does the full liability limit apply? Larry Schiffer examines the case law.

Claims Practices

California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution

Barry Zalma | September 1, 2004

Barry Zalma examines a recent California Supreme Court ruling which concluded that the CGL pollution exclusion does not exclude ordinary acts of negligence involving toxic chemicals.

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