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Cyber and Privacy Risk and Insurance

Is Computer Data "Tangible Property" or Subject to "Physical Loss or Damage"?—Part 2

Michael A. Rossi | November 1, 2001

In this second of a two-part article, Catherine Rivard and Michael Rossi address these questions and discuss the lack of a definitive answer by the courts. They also reveal some of the ways insurers are responding to the property and liability risks associated with computer data.

Terrorism Risk Management and Insurance

Attack on America: The Insurance Coverage Issues—Part 1

Robin Olson | November 1, 2001

In part 1 of this article, IRMI research analysts conclude that most property and casualty war risk exclusions do not apply to claims arising from the September 11 terrorist attacks on America. In part 2, they explore how other policy provisions are likely to be applied to these claims.

Terrorism Risk Management and Insurance

Attack on America: The Insurance Coverage Issues—Part 2

Robin Olson | November 1, 2001

In part 1 of this article, IRMI research analysts conclude that most property and casualty war risk exclusions do not apply to claims arising from the September 11 terrorist attacks on America. In part 2 they explore how other policy provisions are likely to be applied to these claims.

Surety

Bonding Tips and Tactics: Contractor Default Insurance

Rolf Neuschaefer | October 1, 2001

Rolf Neuschaefer examines default insurance—a recent development designed as a substitute for the traditional surety performance guarantee and discusses its shortcomings from a surety producer's perspective.

Time Element

Business Interruption for Denial of Access to Insured Property

Douglas Berry | October 1, 2001

Will your insurance cover you if a civil authority closes or denies access to your insured property due some natural or other catastrophe? Doug Berry explains how the answer depends on the policy language.

Professional, D and O, and Fiduciary Liability

Broader Covered Perils Leave Gaps in Covered Losses under EPL Policies

Robert Bregman | October 1, 2001

Policy modifications and actions can mitigate a policyholder's exposure to uninsured losses.

Additional Insured Issues

Who Provides the Defense in Construction Defect Suits?

Joseph Postel | October 1, 2001

Subcontractors' insurers must provide a complete defense to the developer/general contractor, but can they force others to pitch in? Joe Postel examines recent case law.

Reinsurance

Understanding Reinsurance Terminology—Follow-the-Fortunes

Larry Schiffer | October 1, 2001

Larry Schiffer explains this bedrock doctrine that exemplifies the unique business partnership between the reinsured and reinsurer.

Healthcare Professional Liability Insurance

Medical Malpractice Insurance Trends? Chaos!

Charles Kolodkin | September 29, 2001

Premiums are doubling, deductibles tripling, and insurers are abandoning the line. Charles Kolodkin explains why the condition of the market is quite rationale and not surprising.

Design and Professional Liability

You Just Stood There? The Design Professional's Responsibility for Job Site Injuries

Kenneth Slavens | September 22, 2001

What should the design professional do after witnessing unsafe job site practices by the contractor? Ken Slavens explains how different jurisdictions answer that question and what can be done to both prevent injury and protect liability.