Expert Commentary

Claims Practices

Installation of Defective Product Is Not Physical Damage

Barry Zalma | February 26, 2016

Barry Zalma relates a case holding that actual physical injury is required for CGL coverage.

Courts and Coverage

Texas Recognizes Loss-of-Use Damages in Total Destruction Cases

Brent Cooper | February 12, 2016

Resolving a split in appellate courts, Brent Cooper relates a recent Texas Supreme Court decision.

Environmental

Fixed-Price Contracts Using Cost-Cap Alternatives for Environmental Cleanup

Michael Hill | February 12, 2016

Michael Hill explains how this option can facilitate cleanups that otherwise could take years just to begin.

Protecting Teen Drivers

Timothy O'Brien | February 12, 2016

Keeping children safe—not insurance costs—should be parents' primary focus. Tim O'Brien provides strategies.

Catastrophe Risk Management

Obtaining the Right Builders Risk Insurance Coverage

Christopher Brophy, David Jordan | February 5, 2016

Is your amount of insurance coverage suitable for your construction project? Christopher Brophy investigates.

Construction Safety

Everyone Is Responsible for Safety: the Myth and Solution

Peter Furst | January 29, 2016

While a common adage, Peter Furst clarifies that managers must be leaders who value and motivate their workers.

Personal Risk Management

Insurance Loss Control and the Hippocratic Oath

Paul Farrell | January 22, 2016

Paul Farrell extrapolates on the distinctive roles of the loss control professional—as coach, inspector, auditor, and consultant.

Agricultural Insurance

When Farming and Entertainment Meet, It Ain't "Farming"

Casey Roberts | January 22, 2016

Farms aren't just for farming any more. Casey Roberts examines the risks to the farm owner.

Claims Practices

Invest in Claims Training: Ignorance Can Be Cured

Barry Zalma | January 15, 2016

Barry Zalma believes the demise of formal training for claims adjusters has cost insurers dearly and advocates for its return.

Home Mechanical and Electrical System Failures

Timothy O'Brien | December 11, 2015

Typically not covered under homeowners policies, Tim O'Brien reviews the significant coverage gap presented by these systems.