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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.

Catastrophe Risk Management

Performance Based Seismic Design

2003-10-01 | Nathan C Gould

Dr. Nathan Gould explains Performance Based Seismic Design—what it is, how it works, and why it is the seismic design methodology of the future.

Enterprise Risk Management

Practical ERM Applications: Risk Integration

2003-09-01 | Jerry Miccolis

In his enterprise risk management column, Jerry Miccolis explains how to model the integration of risks from various sources, using the insurance industry as an example.

Market Practices

Certificates of Insurance

2003-09-01 | Peter Polstein

Peter Polstein explains why insurance certificates are one of the more dangerous documents that float between insureds, insurers, and a myriad of third parties.

Catastrophe Risk Management

Understanding the Language of Seismic Risk Analysis

2003-07-01 | Nathan C Gould

Even for those in the industry, the terminology used in the evolving field of seismic risk analysis can be confusing. Nathan Gould provides some definitions and clarifications.

Enterprise Risk Management

Implementing Enterprise Risk Management: Getting the Fundamentals Right

2003-06-01 | Jerry Miccolis

Jerry Miccolis examines ERM fundamentals - objectives, scope, organization, and tools that companies can use to establish an ERM framework and implementation plan.

Market Practices

Binders and Confirmation

2003-05-01 | Peter Polstein

Peter Polstein discusses insurance binders and why the placing agent or broker must make absolutely certain that all parties fully understand the coverage ramifications.

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