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Courts and Coverage

Subrogation Rights against Personal Auto Uninsured Motorists Coverage

Brent Cooper | March 1, 2004

The statutory right of a workers compensation insurer or employer to subrogate against a third party generally does not include rights to personal auto UM/UIM benefits. Brent Cooper and Dana Harbin explain.

Personal Risk Management

Personal Risk Management: An Overview

Jack Hungelmann | March 1, 2004

In this new personal lines column, Insurance for Dummies author Jack Hungelmann outlines 16 commitments agents should make to provide quality services to their clients.

Cyber and Privacy Risk and Insurance

Protecting Your Employees from Identity Theft

Gary Clayton | February 14, 2004

Theft of information by employees is the top cause of identity fraud. Conducting an audit of how personnel information is stored and used can reveal gaps in controls. Gary Clayton explains.

Continuous Performance Improvement

Deming Disciples—Our Industry's Real Leaders?

John Pryor | February 1, 2004

John Pryor examines the leadership principles espoused by W. Edwards Deming and their application for the insurance industry.

Maritime Law

Circuit Split Widens over Exculpatory Clauses in Maritime Contracts

Michael Orlando | February 1, 2004

Michael Orlando explains how a recent Eighth Circuit decision involving a fire at a marina highlights and widens the current split among federal circuits over the enforceability of "red-letter" clauses.

Intellectual Property

Avoiding Willful Infringement in Intellectual Property Litigation—Part 1

Sanford Warren | February 1, 2004

Learn how to navigate the complexities of intellectual property litigation and avoid willful infringement with this comprehensive 3-part guide from Sanford Warren and Jack Richards.

Writing Tips for Insurance Professionals

A Few Tips on Writing to Opposing Attorneys

Gary Blake | January 1, 2004

Writing to opposing counsel is never easy. Gary Blake offers examples of poorly written correspondence and tips on how to avoid being stodgy, arrogant, and overbearing.

Surety

ERISA Preemption and Claims for Employee Benefits

Marilyn Klinger | January 1, 2004

While prevailing California case law still holds that ERISA preempts an employee benefit trust fund action against a payment bond surety, this trend is waning. Marilyn Klinger explains._x000D_

Reinsurance

Up-Front about Reinsurance

Larry Schiffer | January 1, 2004

The fronting relationship can cause confusion. In this article, Larry Schiffer explains the basics of fronting and why it may be necessary for licensing, rating, pooling, or regulatory reasons.

Claims Practices

Adjusting Liability Claims

Barry Zalma | January 1, 2004

Barry Zalma details the claims adjuster's job: an investigator, an insurance contract expert, and a person of empathy who fulfills the policy promises to defend and indemnify the insured.

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