Expert Commentary
Latest Articles
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.
Corporate Aviation
Private Aviation: Developing a Corporate Policy
Adam Webster | December 13, 2003
Most firms don't have an internal policy, oversight, or any method of tracking the use of private aircraft by staff members. Adam Webster identifies key features of such policies.
Property Insurance
Florida Revisits Its Condominium Insurance Statute Once Again
Douglas Berry | December 1, 2003
Doug Berry explains how a new statute affects hazard insurance policies issued to condominium associations with an effective date of January 1, 2004, and beyond.
Cyber and Privacy Risk and Insurance
Creating a Privacy Policy Compliant with the New Online Privacy Protection Act
Gary Clayton | December 1, 2003
Gary Clayton discusses a new California law sure to result in lawsuits against commercial website operators who don't post an adequate privacy policy and what should be done to comply.
Enterprise Risk Management
The Alchemy of Enterprise Risk Management
Jerry Miccolis | December 1, 2003
In his last ERM column for IRMI, Jerry Miccolis explains how the science and practice of ERM is rooted in the Modern Portfolio Theory and the "portfolio effect." Interesting examples are provided.
Market Practices
Excess Follow Form versus Umbrella
Peter Polstein | December 1, 2003
Peter Polstein takes a look at excess insurance by addressing coverage terms and conditions, and negotiations.
Cyber and Privacy Risk and Insurance
Cyber Liability Insurance Issues for Large Companies
Michael A. Rossi | November 1, 2003
Mike Rossi takes a look at how large firms are covering their e-business and cyber activity risks and what to look for in the broad-based/multiline policies now available in the market.
Cyber and Privacy Risk and Insurance
Tech E&O Insurance—A Primer for Risk Managers
Michael A. Rossi | November 1, 2003
Mike Rossi answers some questions that are commonly asked by many risk managers about tech errors and omissions insurance: What is it? Why do I need it? How does it work?
Reinsurance
Understanding the Business-Covered Clause in a Reinsurance Contract
Larry Schiffer | November 1, 2003
Larry Schiffer explains the two generic types of reinsurance coverage—losses-occurring-during and risks or policies-attaching contracts—their importance, complicating factors, and hybrids.
Healthcare Professional Liability Insurance
The Government Weighs in: What's Causing Increased Medical Malpractice Premium Rates
Charles Kolodkin | October 18, 2003
The General Accounting Office recently completed an extensive study of the medical malpractice insurance industry and the factors that have caused premium rates to increase.
Property Insurance
Florida Revisits Its Condominium Insurance Statute Once Again
Douglas Berry | December 1, 2003
Cyber and Privacy Risk and Insurance
Creating a Privacy Policy Compliant with the New Online Privacy Protection Act
Gary Clayton | December 1, 2003
Enterprise Risk Management
The Alchemy of Enterprise Risk Management
Jerry Miccolis | December 1, 2003
Cyber and Privacy Risk and Insurance
Cyber Liability Insurance Issues for Large Companies
Michael A. Rossi | November 1, 2003
Cyber and Privacy Risk and Insurance
Tech E&O Insurance—A Primer for Risk Managers
Michael A. Rossi | November 1, 2003
Reinsurance
Understanding the Business-Covered Clause in a Reinsurance Contract
Larry Schiffer | November 1, 2003
Healthcare Professional Liability Insurance
The Government Weighs in: What's Causing Increased Medical Malpractice Premium Rates
Charles Kolodkin | October 18, 2003
