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Risk Management Articles


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Current Trends and Issues

Dissecting Problems in Association Health Insurance Policies

2006-06-01 | Tim Ryles

Dr. Tim Ryles cautions against risky association plans and advises on how not to become a victim.

Current Trends and Issues

Marketing Health Insurance through "Trusteed Groups": a Perversion of the Group Insurance Concept

2006-03-01 | Tim Ryles

Tim Ryles explains why consumers are best advised to avoid the purchase of such products.

Current Trends and Issues

How To Recognize and Avoid Health Insurance Fraud

2006-01-01 | Tim Ryles

Tim Ryles explains that being alert to insurance scams can be helpful in avoiding victimization at the hands of con artists operating through unauthorized insurers.

Risk and Insurance History

"Catastrophes" in Early Twentieth Century America

2005-12-01 | John A Bogardus

John Bogardus and Robert Moore look at what history can teach us about how our forebears responded to the threats and opportunities of the early twentieth century.

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.

Risk and Insurance History

"Flying Machines" and Early Airline Insurance

2005-06-11 | John A Bogardus

As America became a world leader in aviation, the industry's size and importance made it a crucial line of business for many agents, brokers, and insurers. Jack Bogardus and Robert Moore explain.

Current Trends and Issues

Probing the Gaps in GAP Insurance

2005-06-01 | Tim Ryles

Tim Ryles discusses Guaranteed Auto Protection (GAP) insurance: what it covers, common exclusions, how it is regulated, and certain sales/marketing methods to watch out for.

Current Trends and Issues

Household, Family, and Other Problems in Homeowners Policy Language

2005-03-01 | Tim Ryles

Determining what constitutes a household and family is a moving target for insurers and insureds. Tim Ryles looks at the meaning of this language in homeowners policies and court interpretations.

Current Trends and Issues

Who Really Lives (or Doesn't) in Your Household?

2005-01-01 | Tim Ryles

Determining residency in a blended-family society is a moving target for insurers and insureds. Tim Ryles looks at the meaning of "resident" in homeowners policies and court interpretations.

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.