Personal Lines Articles
Latest Articles
Claims Practices
Conversion Is an Intentional Tort and Can Never Be an Occurrence
2020-10-16 | Barry Zalma
There's no duty to defend if there is no occurrence. Barry Zalma relates a case alleging theft.
Claims Practices
It's Not Nice To Lie to Your Insurance Company
2020-08-07 | Barry Zalma
Barry Zalma relates a case where fraudulently obtained no-fault insurance was subject to rescission.
Personal Risk Management
Home Replacement Cost Valuation Guide
2020-07-10 | Kurt Thoennessen
Home Replacement Cost Valuation Guide—How can home owners determine their home's value? Kurt Thoennessen provides tips.
Property Insurance
Commercial Property Policies Generally Cover Loss Due to Riots
2020-07-03 | Linda G Robinson
First pandemic, now riots! Is your business covered under its commercial property policy? How is the loss calculated? IRMI provides insight.
Claims Practices
Failure to Give Notice Defeats Coverage
2020-04-17 | Barry Zalma
Judgment creditor who did not comply with policy condition had no coverage. Barry Zalma relates the case.
Property Insurance
COVID-19—When Civil Authorities Take over, Are You Covered?
2020-03-27 | Douglas Berry
When civil authorities take over, does your insurance apply? Doug Berry looks at this crucial question.
Time Element, Commercial Property Topics
Coronavirus (COVID-19) Business Income Losses—Are They Covered?
2020-03-20 | Linda G Robinson
Are business income losses related to COVID-19 covered by a commercial property policy? The direct physical loss or damage requirement and virus exclusion argue against coverage.
Personal Risk Management
Second Home Risk Management Strategies
2020-03-06 | Kurt Thoennessen
Second Home Risk Management Strategies—Insuring a second house can be challenging. Kurt Thoennessen explains and provides risk management tips.
Claims Practices
Insured's Obligation to Read the Insurance Policy
2020-01-24 | Barry Zalma
Most people do not read their insurance policy. Barry Zalma explains why they should.
Personal Risk Management
Personal Risk Management and How It Improves Loss Resilience
2020-01-03 | Kurt Thoennessen
Personal Risk Management and How It Improves Loss Resilience—Having a risk management mindset is key, per Kurt Thoennessen.
Claims Practices
Conversion Is an Intentional Tort and Can Never Be an Occurrence
2020-10-16 | Barry Zalma
Property Insurance
Commercial Property Policies Generally Cover Loss Due to Riots
2020-07-03 | Linda G Robinson
Property Insurance
COVID-19—When Civil Authorities Take over, Are You Covered?
2020-03-27 | Douglas Berry
Time Element, Commercial Property Topics
Coronavirus (COVID-19) Business Income Losses—Are They Covered?
2020-03-20 | Linda G Robinson
Personal Risk Management
Personal Risk Management and How It Improves Loss Resilience
2020-01-03 | Kurt Thoennessen
