Personal Lines Articles
Latest Articles
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 3
2005-09-17 | Robin K Olson
In the final installation of his series on identity theft, Rob Olson examines the types of coverage offered by insurance organizations and banks, and lists other reforms that are needed to address this risk.
Claims Practices
Claims in a Disaster
2005-09-01 | Barry Zalma
In light of the many natural disasters this year, insureds who have never had to deal with insurance claims adjusters are confused or intimidated by the prospect. Barry Zalma provides advice.
Claims Practices
Rescission in California
2005-08-01 | Barry Zalma
Misrepresentations or concealment of material facts—whether intentional or not—can leave an insured without coverage, even for a legitimate claim. Barry Zalma looks at a recent case on point.
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 2
2005-08-01 | Robin K Olson
What are the steps a person can take to reduce the chance of identity theft? If a theft occurs, what steps should be taken to mitigate the size and scope of the loss? Rob Olson provides some answers.
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 1
2005-07-09 | Robin K Olson
Identity theft is the fastest growing crime in the United States today, and everyone is a potential victim. In this first of three articles, Robin Olson focuses on the risk itself.
Catastrophe Risk Management
The Impact on Lifelines on the Estimation of Natural Hazard Loss
2005-07-01 | Nathan C Gould
Dr. Nathan Gould explains how loss of service of key lifelines can lead to increased downtime following a major natural disaster and significantly elevated business interruption costs.
Claims Practices
Insurance and the Law of Unintended Consequences
2005-04-01 | Barry Zalma
Barry Zalma looks at how efforts by and for the insurance industry have resulted in far greater problems: rising costs, soaring litigation, increasing fraud, and a reputation seemingly beyond repair.
Personal Risk Management
Plugging Liability Insurance Gaps with the Personal Umbrella Policy
2005-02-01 | Jack Hungelmann
While most people buy an umbrella policy for its excess coverage, including defense costs, it has far greater value as a risk management tool. Jack Hungelmann explains.
Catastrophe Risk Management
Understanding the Vulnerability of Hospitals to Natural Disasters
2004-12-01 | Nathan C Gould
If risks posed by natural hazards are not properly addressed, hospitals may themselves become victims of the disaster. James Bailey and Nathan Gould explain.
Claims Practices
Fraudulent Application Can Haunt the Broker
2004-12-01 | Barry Zalma
Barry Zalma discusses a recent California case holding that if the broker knew the application contained false information, it can be held liable to the insurer for resulting damages.
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 3
2005-09-17 | Robin K Olson
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 2
2005-08-01 | Robin K Olson
Personal Risk Management
Identity Theft: A Personal Risk Management Approach—Part 1
2005-07-09 | Robin K Olson
Catastrophe Risk Management
The Impact on Lifelines on the Estimation of Natural Hazard Loss
2005-07-01 | Nathan C Gould
Personal Risk Management
Plugging Liability Insurance Gaps with the Personal Umbrella Policy
2005-02-01 | Jack Hungelmann
Catastrophe Risk Management
Understanding the Vulnerability of Hospitals to Natural Disasters
2004-12-01 | Nathan C Gould
