Personal Lines Articles
Latest Articles
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.
Claims Practices
Stacking Insurance Limits
2004-07-01 | Barry Zalma
Barry Zalma explains why it is essential to examine the law of the jurisdiction relating to stacking of policy limits and self-insured retentions before making a decision on how to handle a claim.
Personal Lines Claims
Residential Water Claims
2004-07-01 | George Epps
George Epps takes a look at residential water claims—what causes them, how repairs are handled, and why restoration contractors are often necessary.
Time Element
Business Interruption for Denial of Access Revisited
2004-05-01 | Douglas Berry
Doug Berry discusses three recent court cases addressing the denial of access due to a civil authority order and the effect of particular policy wording on business interruption coverage.
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
