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Environmental

Absolute Pollution Exclusion in Contractors Policy Does Not Bar Coverage for Toxic Fume Injuries

Kent Holland | November 12, 2005

Kent Holland explains Nav-Its, Inc. v. Selective Insurance , span court case] where the New Jersey Supreme Court limited the pollution exclusion to hazards traditionally associated with environmentally related claims.

Design and Professional Liability

Are You Really Protected from Consequential Damages Exposure?

Michael Loulakis | November 1, 2005

In discussing Action Ind. v. USF&G, Michael Loulakis points out the importance of a full waiver of consequential damages for anything arising out of or related to the design-build contract.

Cyber and Privacy Risk and Insurance

Insuring Liability for Third-Party Claims Seeking Lost Profits

Michael A Rossi | November 1, 2005

Mike Rossi explains coverage for lost-profit claims under policies designed to address technology, media, Internet liability, and network security liability. Variations and caveats are provided.

Intellectual Property

The Dangers of Delay in Filing Patent Applications

Sanford Warren | November 1, 2005

Sanford Warren discusses how a company can forfeit patent rights if it delays too long before filing a corresponding patent application.

Design and Professional Liability

Higher Policy Limits for Specific Projects

David Collings | October 22, 2005

David Collings explains that architects and engineers do not need to avoid projects that require higher insurance limits. Other options are available, such as adjusting professional liability limits.

Internal Controls

Controls Design for Efficient Compliance with Sarbanes-Oxley's Section 404

Matthew Leitch | October 1, 2005

Well-designed internal controls can lighten the regulatory burden, reduce errors and fraud, and still leave people feeling like people. Matthew Leitch explains how.

Continuous Performance Improvement

Deming's Point #7 as Applied to the Insurance Industry

John Pryor | October 1, 2005

John Pryor discusses Dr. W. Edwards Deming's seventh principle: 'Adopt and institute leadership' and explains how he distinguishes leadership from management.

Environmental

Manganism?

Jeff Slivka | October 1, 2005

Jeff Slivka explains why it would be prudent for organizations to add the Manganese exposure to their overall environmental risk profile to methodically analyze the risk and manage it.

Liability Insurance

Auto Versus Mobile Equipment in the 2004 CGL—An Update

Craig Stanovich | October 1, 2005

Insurance professionals must make determinations whether "mobile equipment" is subject to motor vehicle registration and financial responsibility laws or compulsory insurance laws. Craig Stanovich provides advice.

Personal Risk Management

Identity Theft: A Personal Risk Management Approach—Part 3

Robin Olson | September 17, 2005

In the final installation of his series on identity theft, Rob Olson examines the types of coverage offered by insurance organizations and banks, and lists other reforms that are needed to address this risk.

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