Access IRMI Online Talk With Us
Home Categories Personal Lines and Small Business Articles

Personal Lines Articles

Clear All

Latest Articles

Property Insurance

Key Considerations When Buying Builders Risk Coverage

2008-08-01 | Jay M Levin

Jay Levin explains why precise coverage terms and conditions should be reflected in the construction documents and reviewed in detail by all.

Claims Practices

Insurers Need to Audit Their Vendors' Service

2008-07-01 | Barry Zalma

Barry Zalma explains why prudent insurers need to trust claims vendors while simultaneously verifying their performance.

Property Insurance

Insurance Property Valuation and Loss Settlement Clauses—Important Considerations

2008-07-01 | William K Austin

William Austin says appropriate property risk management goes well beyond simply the identification of perils that may cause damage, destruction, or interruption of operations.

Time Element

When Does Business Interruption Insurance Coverage Stop?

2008-06-01 | Jay M Levin

Jay Levin relates a property case forcing insurers to fulfill their promise not only to pay for covered losses, but to do so in a timely fashion.

Catastrophe Risk Management

Facility Damage Evaluation Following Major Disasters

2008-05-10 | Nathan C Gould

Dr. Nathan Gould explains why an effective facility evaluation plan should include the preparation of a Post-Disaster Facility Inspection Manual.

Claims Practices

Surprise: Insurance Is Not a Service

2008-05-01 | Barry Zalma

Barry Zalma reviews a California case concluding that insurance is neither a good nor a service, but only for the purposes of the Consumer Legal Remedies Act.

Personal Lines Insurance

Managing Personal Automobile Insurance Risks Following Death

2008-04-18 | Jack Hungelmann

Jack Hungelmann illustrates the coverage pitfalls facing the survivors of the deceased's personal auto policy.

Property Insurance

Pollution Events—An Insured Peril in Property Insurance?

2008-04-01 | William K Austin

William Austin illustrates why risk management professionals must continually test insurance coverage prior to a loss event.

Property Insurance

New York Awards Consequential Damages for Insurer's Bad Faith

2008-03-01 | Jay M Levin

Jay Levin relates a property case forcing insurers to fulfill their promise not only to pay for covered losses, but to do so in a timely fashion.

Claims Practices

Insurer Must Go to Trial on Allegations of a Fraudulent Settlement

2008-02-01 | Barry Zalma

Barry Zalma shows why insurers who settle with a general release may not be able to close the claim.

Access IRMI Online