Personal Lines Articles
Latest Articles
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 Lines Claims
Adjusting Residential House Fires
2004-10-09 | George Epps
Adjusting a house fire is a difficult endeavor under the best of circumstances. George Epps looks at fire claims where the coverage is on an actual cash value basis.
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
2004-09-01 | Barry Zalma
Barry Zalma examines a recent California Supreme Court ruling which concluded that the CGL pollution exclusion does not exclude ordinary acts of negligence involving toxic chemicals.
Claims Practices
Mold and Fungi Insurance Claims
2004-08-01 | Barry Zalma
"Mold is gold," according to some in the claims industry. Barry Zalma looks at the growth of these claims, the science behind them, the case law, testing, and remediation.
Security, Catastrophe Risk Management
Managing Terrorism Risk
2004-07-24 | Nathan C Gould
In this article, Dr. Nathan Gould explains a three-tiered terrorism risk management plan, including initial and detailed assessments and a variety of risk management techniques.
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
Claims Practices
California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution
2004-09-01 | Barry Zalma
