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Wrap-Up Programs

Have You Thought about a Contractor Controlled Insurance Program?

Richard Resnick | January 1, 2005

Which is preferable, a contractor controlled insurance program or an owner controlled program? Richard Resnick provides some objective reasoning toward CCIPs.

Current Trends and Issues

Who Really Lives (or Doesn't) in Your Household?

Tim Ryles | January 1, 2005

Determining residency in a blended-family society is a moving target for insurers and insureds. Tim Ryles looks at the meaning of "resident" in homeowners policies and court interpretations.

Courts and Coverage

Is Seller's Failure to Disclose Known Defects to Buyers a Covered "Occurrence"?

Richard Valentino | January 1, 2005

Richard Valentino and Michael Resis examine cases illustrating the different approaches taken by courts on homeowners' coverage for claims arising from the sale of homes with latent defects.

Courts and Coverage

Bystander Claims—One Limit or Two?

Brent Cooper | January 1, 2005

Whether a separate "each-person" limit applies to a bystander claim depends on whether emotional injuries are considered to be "bodily injury." Brent Cooper and Dana Harbin explain.

Catastrophe Risk Management

Understanding the Vulnerability of Hospitals to Natural Disasters

Nathan Gould | December 1, 2004

If risks posed by natural hazards are not properly addressed, hospitals may themselves become victims of the disaster. James Bailey and Nathan Gould explain.

Employment Practices

An Imperative for Employers Everywhere: California Enacts Sexual Harassment Training Statute

Paul Siegel | December 1, 2004

California Enacts Sexual Harassment Training Statute. A new law dictates that employers provide a harassment-free workplace and have the legal duty to prevent the misconduct and remedy its consequences. Paul Siegel explains.

Reinsurance

The Naked Truth—The Reinsurer's Right to Information

Larry Schiffer | December 1, 2004

Access to records clauses grant reinsurers the right to inspect the ceding company's records. Larry Schiffer examines their enforceability and scope.

Claims Practices

Fraudulent Application Can Haunt the Broker

Barry Zalma | December 1, 2004

Barry Zalma discusses a recent California case holding that if the broker knew the application contained false information, it can be held liable to the insurer for resulting damages.

Liability Insurance

CGL—Covered Locations

Craig Stanovich | December 1, 2004

The CGL policy is subject to its actual terms and conditions, including the policy territory. Craig Stanovich takes a look at the many facets of what constitutes "covered locations."

Maritime Law

Enforcement of Federal Law on Foreign-Flagged Ships in U.S. Waters

Michael Orlando | November 13, 2004

Does the Americans With Disabilities Act apply to foreign cruise ships when in U.S. waters? The Fifth and Eleventh Circuits disagree. Michael Orlando explains.

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