Expert Commentary

Environmental

Insurance Coverage for Losses Arising from the Ebola Virus

David Dybdahl | December 1, 2014

Coverage may exist in general liability and property insurance policies that would not be there for fungi and bacteria contamination. David Dybdahl explains.

Current Trends and Issues

Just What Does "Amount of Loss" Amount to in Appraisal Clauses?—Part 3

Tim Ryles | December 1, 2014

Arbitration and appraisal have similarities but are fundamentally distinct. Dr. Tim Ryles examines specific language and court interpretations.

Property Insurance

Potential Insurance Company Fraud in Superstorm Sandy Litigation

Jay Levin | December 1, 2014

In the wake of Superstorm Sandy, highly questionable practices within the insurance industry have been revealed. Jay Levin relates several cases.

Construction Safety

Construction Safety Best Practices

TJ Lyons | December 1, 2014

TJ Lyons explains construction safety best practices that were discussed at the IRMI Construction Risk Conference when he hosted one of the Construction Café tables with the topic "Best Practices in Construction Safety—Bring One, Gather Many," sponsored by Zurich.

Additional Insured Issues

Making Your Bed: "Blanket" Additional Insured Endorsements and the Underlying Agreement

Gregory Podolak | December 1, 2014

It is wise to have a fully executed, written contract with the named insured describing the requested coverage Gregory Podolak elaborates.

Reinsurance

Which Came First, the Insurance Policy or the Reinsurance Contract?

Larry Schiffer | December 1, 2014

Larry Schiffer explains there is no boundary to how a reinsurance contract may limit—or expand—coverage available to the ceding insurer.

What Is Your Unique Value Proposition?

Timothy O'Brien | November 7, 2014

To combat big insurer commodity pitches, agents should show how they provide service, not just a fast policy. Tim O'Brien explains.

Personal Lines Claims

The Claims Professional as Problem Solver

Elise Farnham | November 1, 2014

Elise Farnham provides six tips to help resolve claim situations in an efficient and economical manner.

Current Trends and Issues

In Praise (or Not) of the Appraisal Clause in Homeowners Policies—Part 2

Tim Ryles | November 1, 2014

Considering the web of delay inherent in the appraisal process, Tim Ryles wonders who benefits.

Disability and Disability Insurance

Return-to-Work Best Practices: Roles, Responsibilities, and Outcomes

Marcia Carruthers | November 1, 2014

Whether you are just starting out or intend to upgrade a longstanding program, Marcia Carruthers says following proven best practice methods can ensure your success.