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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.

Market Practices

Medical Malpractice: Things To Consider

2004-10-01 | Peter Polstein

Peter Polstein looks at medical malpractice coverage and proper underwriting practices.

Risk and Insurance History

American Insurance at the Dawn of the Twentieth Century

2004-09-01 | John A Bogardus

Jack Bogardus and Robert Moore examine the evolution of the US insurance agency system, highlighting the role of technology, business practices, and regulation in shaping the professionalism of insurance agents and brokers from the late 19th century to the early 20th century.

Catastrophe Risk Management

Managing Extreme Wind (Hurricane) Losses

2004-03-01 | Nathan C Gould

Dr. Nathan Gould discusses extreme wind hazards, historical loss exposure, and a methodical engineered approach to effectively manage/reduce wind losses.

Enterprise Risk Management

The Alchemy of Enterprise Risk Management

2003-12-01 | Jerry Miccolis

In his last ERM column for IRMI, Jerry Miccolis explains how the science and practice of ERM is rooted in the Modern Portfolio Theory and the "portfolio effect." Interesting examples are provided.

Market Practices

Excess Follow Form versus Umbrella

2003-12-01 | Peter Polstein

Peter Polstein takes a look at excess insurance by addressing coverage terms and conditions, and negotiations.

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