Expert Commentary

Courts and Coverage

Burden of Proof in Coverage Litigation—Part 1

Brent Cooper | October 1, 2013

Brent Cooper reviews the respective burdens of proof that the insurer and insured must carry during the course of insurance litigation in Texas.

Claims Practices

Foreclosure Destroys Insurable Interest

Barry Zalma | October 1, 2013

Barry Zalma discusses a recent Texas case involving a homeowners insurance claim and the possibility of profiting where the policy provided no coverage.

Market Practices

A Brief Look at Insuring Small Municipalities

Peter Polstein | September 1, 2013

Smaller risks often require special considerations. Peter Polstein takes a look at insuring these risks.

Employee Hiring, Development, and Retention

Emotional Intelligence in the Workplace: Why It Matters More Than Personality

Mike Poskey | September 1, 2013

To gain a competitive advantage, Mike Poskey recommends seeking highly emotionally intelligent employees.

Catastrophe Risk Management

Covering Sinkhole Losses

Christopher Brophy | September 1, 2013

Christopher Brophy describes the scope of sinkhole losses and available coverage.

Cyber and Privacy Risk and Insurance

California Minors under Age 18: Privacy Requirements for Deleting Content/Information and Advertising/Marketing

Melissa Krasnow | September 1, 2013

Melissa Krasnow discusses the California requirements restricting online information posted by or aimed at non-adults.

Liability Insurance

Broad Form Property Damage—A Look Back

Craig Stanovich | September 1, 2013

When policy interpretation questions arise, Craig Stanovich advises looking back at the drafters' explanations and illustrations.

Reinsurance

Reinsurance and Ever-Expanding Regulation and Oversight

Larry Schiffer | September 1, 2013

Larry Schiffer provides an introduction to this very broad topic that is becoming worldwide in its scope.

Environmental

Revealing the Dark Secrets of Category 3 Water Exclusions

David Dybdahl | September 1, 2013

While most claims are being paid as Category 1 losses today, David Dybdahl expects that to end and offers options for coverage.

Notable Coverages and Exclusions in 500 Words or Less?

Timothy O'Brien | August 9, 2013

Tim O'Brien looks at recent NY and NJ legislation requiring homeowners insurers to provide to insureds a one-page synopsis of their policies.