Personal Lines Articles
Latest Articles
Personal Risk Management
Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence
2012-06-01 | Jack Hungelmann
Using your motor home as a second residence? Jack Hungelmann advises buying cheap but effective insurance.
Property Insurance
Does Mold Constitute a Direct Physical Loss under a Property Policy?
2012-06-01 | Jay M Levin
Under a property policy, mold has to cause tangible damage to be covered. Jay Levin warns that courts may interpret this narrowly.
Claims Practices
Appraisal Only Determines Loss
2012-04-01 | Barry Zalma
In a case related by Barry Zalma, the misuse of the appraisal system and the need for competent and experienced claims people are highlighted.
Property Insurance
Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification
2012-03-01 | William K Austin
William Austin warns against relying on standard policy sections instead of identifying exposures.
Personal Risk Management
Personal Umbrella Insurance 101
2012-02-01 | Jack Hungelmann
Jack Hungelmann answers some basic questions about personal umbrella policies.
Catastrophe Risk Management
Catastrophic Chemical Industry Losses—Structuring Coverage and Maximizing Recovery
2012-01-01 | Christopher M Brophy
Maximizing insurance coverage after a catastrophic loss is especially complex for chemical producers. Chris Brophy elaborates.
Personal Lines Claims
Personal Lines Insurance Is Getting More Personal
2012-01-01 | Elise Farnham
Technological advances, says Elise Farnham, are making the claims process more personal for insureds
Claims Practices
When an Occurrence Is Not an Occurrence: Faulty Construction Is Not an "Occurrence"
2011-12-01 | Barry Zalma
Poor construction is not considered an occurrence under a CGL policy per Kentucky court. (IRMI.com article)
Personal Lines Claims
Plaintiff Duties in Personal Lines Claims
2011-11-01 | Elise Farnham
In personal lines insurance claims, plaintiffs must prove that actual damages were proximately caused by defendant's negligence (IRMI.com article)
Catastrophe Risk Management
Building the Right Builders Risk Policy
2011-10-01 | Christopher M Brophy
Construction catastrophes can doom a business. Christopher Brophy explains how builders risk insurance, properly designed, can save the firm.
Personal Risk Management
Insuring Liability Risks When Motor Homes or Trailers Are Used as a Secondary Residence
2012-06-01 | Jack Hungelmann
Property Insurance
Does Mold Constitute a Direct Physical Loss under a Property Policy?
2012-06-01 | Jay M Levin
Property Insurance
Additions and Extensions of Property Coverage: Not an Alternative to Exposure Identification
2012-03-01 | William K Austin
Catastrophe Risk Management
Catastrophic Chemical Industry Losses—Structuring Coverage and Maximizing Recovery
2012-01-01 | Christopher M Brophy
Claims Practices
When an Occurrence Is Not an Occurrence: Faulty Construction Is Not an "Occurrence"
2011-12-01 | Barry Zalma
Catastrophe Risk Management
Building the Right Builders Risk Policy
2011-10-01 | Christopher M Brophy
