Expert Commentary

Latest Articles

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.

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.

Litigation Management

Litigation Management—Proactive or Reactive Budgeting?

Michael Boutot | November 1, 2004

Budgeting can be a very valuable tool if done in a proactive mindset, yet keeping past mistakes in mind. Michael Boutot explains the goals and pitfalls.

Surety

Unraveling Letters of Credit

Marilyn Klinger | November 1, 2004

Marilyn Klinger attempts to unravel the various different titles placed on letters of credit, emphasizing that it is the language that is the crux of any letter of credit.

Courts and Coverage

"No-Fault" Coverage Insures Injuries Arising Out of the Use of a Vehicle

Brent Cooper | November 1, 2004

Brent Cooper and Dana Harbin look at court rulings on the issue of whether personal injury protection coverage applies when non-collision injury occurs, but the vehicle is somehow involved.

Personal Lines Claims

Adjusting Residential House Fires

George Epps | October 9, 2004

Adjusting a house fire is a difficult endeavor under the best of circumstances. George Epps looks at fire claims where the coverage is on an actual cash value basis.

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.

Captives

Taking a Closer Look at Captive Costs

Michael R. Mead | October 1, 2004

Mike Mead breaks down the costs for a captive program—including taxes, boards, and bureaus; fronting fees; claims administration fees; and costs of loss control and ways to reduce them.