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Personal Lines Articles


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Time Element

Business Interruption Claims for the Hospitality Industry—Is Your Hotel Protected?

2010-09-01 | Michael Speer

Michael Speer outlines critical aspects of hotel business interruption coverage, claims nuances, and items to consider before a loss occurs.

Claims Practices

Diminution in Value

2010-08-01 | Barry Zalma

When faced with a question of diminution of value, Barry Zalma says you need to determine the applicable state law.

Personal Lines Claims

Stress-Free Claims Adjusting

2010-08-01 | Elise Farnham

While there is no single panacea for dealing with stress, Elise Farnham offers a variety of techniques that can help.

Claims Practices

Insureds and Their Public Adjuster Nephew Punished for Adding to Damage after Legitimate Loss

2010-06-01 | Barry Zalma

In New Jersey, not only does crime not pay, but if caught, you may pay three times the damages. Barry Zalma relates the case.

Personal Risk Management

Insuring "Zipcars"

2010-04-01 | Jack Hungelmann

Car-sharing may be good for the environment, but Jack Hungelmann warns it can raise personal auto insurance concerns.

Property Insurance

Crime—Getting More Out of the Policy

2010-04-01 | William K Austin

Crime exposures, forms, triggers, and limits are tricky. William Austin explains how to enhance coverage.

Personal Risk Management

Reducing Umbrella Risks by Having One Agent

2010-03-01 | Jack Hungelmann

Keep your personal liability coverage with one insurer or one agent, advises Jack Hungelmann.

Claims Practices

Legitimate Loss Becomes a Crime When Insured Lies

2010-02-01 | Barry Zalma

Barry Zalma relates a case proving that it doesn't pay to lie to the police and your insurer.

Time Element

Property and Business Interruption Claims: What If We Don't Rebuild "As Was"?

2010-02-01 | Michael Speer

After a significant property loss, Michael Speer says all options regarding repair or replacement need to be considered.

Personal Lines Claims

The Art of Strategic Negotiation

2010-01-01 | Elise Farnham

Becoming a skilled negotiator is vital to claims adjusters. Elise Farnham provides tips.