Cyber and Privacy Risk and Insurance

Data Retention Policies as Proactive Breach Mitigation

2023-10-06 | Mark Lanterman

Old file cabinets are no longer adequate. Mark Lanterman looks at questions that employers should ask to determine how best to manage digital data storage.

Insurance Agent E and O

Agents: Reach Out to Your "E&O Tag Team"

2023-09-29 | Brent Winans

When agents report potential error and omission (E&O) claims to their insurers promptly, those insurers can often provide vital assistance, protecting agents from suit, turning around a claim denial, and maintaining agents' credibility with their clients.

Cyber and Privacy Risk and Insurance

Washington My Health My Data Act: Requirements and Exceptions

2023-08-25 | Melissa J Krasnow

In this second article on the new Washington data privacy and security law, Melissa Krasnow examines the Act's requirements and exceptions.

Cyber and Privacy Risk and Insurance

Washington My Health My Data Act: Definitions

2023-08-25 | Melissa J Krasnow

Melissa Krasnow discusses the definitions contained in the Washington data privacy and security law that went into effect July 23, 2023.

Professional D and O and Fiduciary Liability

Trends and Pressures on Today's Claims Department

2023-08-11 | Frederick J Fisher

Fred Fisher looks at insurance claims functions in the past and the present and the challenges they face.

Cyber and Privacy Risk and Insurance

Texas Data Privacy Act: Controllers, Assessments, Data, Enforcement

2023-07-21 | Melissa J Krasnow

Here, Melissa Krasnow examines the controller and processor responsibilities, data protection assessments, deidentified data, and attorney general enforcement.

Cyber and Privacy Risk and Insurance

Texas Data Privacy Act: Exceptions

2023-07-21 | Melissa J Krasnow

In the final article of the series, Melissa Krasnow identifies the exceptions to the law, to take effect July 1, 2024.

Cyber and Privacy Risk and Insurance

Texas Data Privacy Act: Application, Definitions, Rights, and Notice

2023-07-21 | Melissa J Krasnow

Melissa Krasnow discusses these aspects of the Texas Data Privacy and Security Act (TDPSA) in this three-article series.

Cyber and Privacy Risk and Insurance

Cyber-Risk Management in the Age of ChatGPT

2023-06-16 | Mark Lanterman

Risk managers need to consider artificial intelligence as it relates to their organization's risk appetite. Mark Lanterman explains.

Cyber and Privacy Risk and Insurance

Cyber-Security Considerations for Employee Departures

2023-04-07 | Mark Lanterman

Help prevent damages stemming from the insider threat. Mark Lanterman relates steps to mitigate the risk.

Cyber and Privacy Risk and Insurance

California Age-Appropriate Design Code Act: Other Requirements

2023-01-27 | Melissa J Krasnow

Melissa Krasnow discusses the Act's requirements, restrictions, and general enforcement.

Cyber and Privacy Risk and Insurance

California Age-Appropriate Design Code Act: Application, Assessments

2023-01-27 | Melissa J Krasnow

Melissa Krasnow discusses the Act's application and definitions and data protection impact assessment requirements.

Cyber and Privacy Risk and Insurance

California Privacy Rights Act: Consumer Rights, Enforcement, Security

2023-01-04 | Melissa J Krasnow

Melissa Krasnow looks at the meat of the new California Privacy Rights Act (CPRA), effective on January 1, 2023.

Cyber and Privacy Risk and Insurance

Cyber Safety Review Board on Lapsus$

2022-12-21 | Mark Lanterman

Mark Lanterman advises on recent cyber attacks and why bolstering security responses is advisable.

Regulation and Compliance

How Are Commercial Service Contracts Regulated?

2022-12-01 | Aaron E Lunt

Aaron Lunt discusses the key considerations in determining how states regulate business service contracts.

Cyber and Privacy Risk and Insurance

Apple Vulnerabilities and Staying Apprised of Current Cyber Threats

2022-09-01 | Mark Lanterman

Cyber security is everyone's responsibility, stresses Mark Lanterman, including having knowledge of current threats and enacting best practices.

Cyber and Privacy Risk and Insurance

Evolving Threats? Assess and Update Security Measures

2022-06-16 | Mark Lanterman

A "set-it-and-forget-it" mentality can doom your organization. Mark Lanterman provides security recommendations.

Cyber and Privacy Risk and Insurance

Connecticut Data Privacy Act: Controllers and Processors, Assessments, De-identified Data, and Enforcement

2022-06-16 | Melissa J Krasnow

Melissa Krasnow details these facets of the law and the de-identified data and enforcement.

Regulation and Compliance

New Enhancements to Auto Service Contract Laws

2022-06-15 | Aaron E Lunt

Aaron Lunt examines the legislative status of auto protection products.

Cyber and Privacy Risk and Insurance

Connecticut Data Privacy Act: Application and Definitions

2022-06-03 | Melissa J Krasnow

Melissa Krasnow discusses the application, definitions, consumer rights, and privacy notices.

Cyber and Privacy Risk and Insurance

Connecticut Data Privacy Act: Exceptions

2022-06-02 | Melissa J Krasnow

In the third article in this series, Melissa Krasnow relates the exceptions to the CDPA.

Professional D and O and Fiduciary Liability

Justifiable Denial of Claims-Made-and-Reported Losses

2022-05-12 | Frederick J Fisher

50 years after the development of claims-made/claims-made-and-reported policies, professional liability claims are still denied. Fred Fisher explains.

Cyber and Privacy Risk and Insurance

UCPA: Application, Definitions, Consumer Rights, and Obligations

2022-04-21 | Melissa J Krasnow

Melissa Krasnow details the requirements of the Utah Consumer Privacy Act.

Cyber and Privacy Risk and Insurance

UCPA: Deidentified Data, Enforcement, and Exceptions

2022-04-14 | Melissa J Krasnow

Melissa Krasnow details the deidentified data, enforcement, and exceptions to the Utah Consumer Privacy Act.

Cyber and Privacy Risk and Insurance

Cyber Security and the Russian Invasion of Ukraine

2022-04-13 | Mark Lanterman

Think your cyber insurance will provide coverage? Think again. Mark Lanterman looks at the risks and ways to address them.

Cyber and Privacy Risk and Insurance

Coverage for Cyber Attacks in a Time of War

2022-03-16 | Sean Jordan

The cyber risk is real and growing—IRMI provides analysis of potential coverage, risk management tips, and links to more information.

Cyber and Privacy Risk and Insurance

Thoughts on the FBI Email Compromise—and Lessons Learned

2022-01-13 | Mark Lanterman

Mark Lanterman examines a recent cyber and privacy attack.

Corporate Fraud Prevention

Could a Rainmaker Destroy Your Firm?

2021-12-15 | Scott Langlinais

Do you bite the hand that feeds you? Should you? Scott Langlinais looks at the largest tax shelter fraud scheme in US history and lessons learned.

Cyber and Privacy Risk and Insurance

Ransomware, National Cyber Security, and the Private Sector

2021-10-14 | Mark Lanterman

It takes all members of society to fight ransom attacks. Mark Lanterman explains.

Insurance Agent E and O

Inside an Agent E&O Claim on a Business Income Loss

2021-10-14 | Brent Winans

Taking a real scenario, Brent Winans relates the facts, issues, resolution, and lessons learned.

Cyber and Privacy Risk and Insurance

Colorado Privacy Act: Exceptions

2021-08-18 | Melissa J Krasnow

Melissa Krasnow reviews the Colorado Privacy Act and its exceptions.

Defense and Settlement

Fifth Circuit Finds Defense Duty for Credit Card Data Breach

2021-08-12 | Lyndon F Bittle

Giving "publication" the broadest possible definition, the court held for the insured. Lyndon Bittle relates the case.

Cyber and Privacy Risk and Insurance

Colorado Privacy Act: Application, Definitions, Rights, and Notices

2021-07-01 | Melissa J Krasnow

Melissa Krasnow reviews the Act and its requirements and ramifications.

Cyber and Privacy Risk and Insurance

Standardization Matters in Establishing a Strong Security Posture

2021-06-18 | Mark Lanterman

Cyber risks may be mitigated with proactive planning and information sharing. Mark Lanterman explains.

Defense and Settlement

Texas Supreme Court Holds Insurer Not Liable under "Stowers"

2021-05-07 | Lyndon F Bittle

The insured's liability must be in excess of policy limits but can arise from a judgment or settlement. Lyndon Bittle relates the case.

Professional D and O and Fiduciary Liability

The Dangers of Absolute Exclusions

2021-04-09 | Frederick J Fisher

The Dangers of Absolute Exclusions—Fred Fisher looks at their use and asks why insurance regulators allow them.

Cyber and Privacy Risk and Insurance

Third-Party Vendor Risk Management

2021-03-26 | Mark Lanterman

Managing this risk is a strong component of maintaining a strong security culture, per Mark Lanterman.

Cyber and Privacy Risk and Insurance

VCDPA: Assessments, De-identified Data, Enforcement, and Exceptions

2021-03-19 | Melissa J Krasnow

Melissa Krasnow digs deeper into the Virginia Consumer Data Protection Act (VCDPA).

Cyber and Privacy Risk and Insurance

VCDPA: Application, Definitions, Consumer Rights, and Obligations

2021-03-12 | Melissa J Krasnow

The Virginia Consumer Data Protection Act (VCDPA) is reviewed by Melissa Krasnow.

Cyber and Privacy Risk and Insurance

California Privacy Rights Act: Exceptions

2021-01-29 | Melissa J Krasnow

Melissa Krasnow discusses limitations on the California Privacy Act (CPRA).

Cyber and Privacy Risk and Insurance

The Importance of (Remote) Security Culture in Mitigating Risks

2020-12-11 | Mark Lanterman

The Importance of (Remote) Security Culture in Mitigating Risks Extending beyond the physical workspace, safety awareness is key. Mark Lanterman explains.

Cyber and Privacy Risk and Insurance

California Privacy Rights Act: Background, Application, and Definitions

2020-12-11 | Melissa J Krasnow

Melissa Krasnow explains the changes effective 1/1/23 in the California Privacy Rights Act.

Defense and Settlement

Texas Supreme Court Confronts Another "Stowers" Question

2020-11-25 | Lyndon F Bittle

Texas Supreme Court Confronts Another Stowers Question—Is an excess judgment required? Lyndon Bittle relates the case.

Cyber and Privacy Risk and Insurance

Further Amendment to the California Consumer Privacy Act of 2018

2020-10-09 | Melissa J Krasnow

Melissa Krasnow relates the further changes.made to the California Consumer Privacy Act of 2018 (CCPA).

Cyber and Privacy Risk and Insurance

Security from Home: Continuing to Work and Learn Amid COVID-19

2020-10-02 | Mark Lanterman

Mark Lanterman advises to stay vigilant for security lapses.

Cyber and Privacy Risk and Insurance

California Consumer Privacy Act Regulations: Privacy Policy and Notice

2020-09-04 | Melissa J Krasnow

Melissa Krasnow discusses the requirements for the notice of collection, of the right to opt-out, and of financial incentives of the California Consumer Privacy Act.

Defense and Settlement

The Eight-Corners Rule Is Alive and Well in Texas

2020-07-31 | Lyndon F Bittle

Lyndon Bittle relates two recent cases involving this rule and the "very narrow" Northfield exception.

Cyber and Privacy Risk and Insurance

Operational Risk Revisited in the Wake of COVID-19

2020-06-12 | Mark Lanterman

Proactive security and technology strategizing are key, Mark Lanterman explains.

Cyber and Privacy Risk and Insurance

The New York SHIELD Act Reasonable Security Requirement

2020-05-29 | Melissa J Krasnow

New legislation providing reasonable safeguard for private information - New York SHIELD Act - is reviewed by Melissa Krasnow.

Defense and Settlement

Texas Recognizes Collusion as Exception to Eight-Corners Rule

2020-05-15 | Lyndon F Bittle

Lyndon Bittle discusses the recent Loya collusion exception to the eight-corners rule.

Insurance Agent E and O

Escaping the COVID-19 Agent E&O Vortex

2020-05-01 | Brent Winans

Agents and managers can avoid problems by dealing wisely with losses. Brent Winans relates special concerns.

Cyber and Privacy Risk and Insurance

Cyber Threats and Accounting for Operational Risk

2020-03-06 | Mark Lanterman

Mark Lanterman suggests strategies that can bolster an organization's ability to continue after an attack.

Defense and Settlement

Texas Court Adopts Time-on-the-Risk Allocation

2020-02-28 | Lyndon F Bittle

Lyndon Bittle discusses recent Vines-Herrin decision.

Cyber and Privacy Risk and Insurance

Changes in Other California Privacy and Data Security Laws

2020-01-24 | Melissa J Krasnow

Melissa Krasnow discusses recent laws relating to the California Consumer Privacy Act of 2018, as amended.

Cyber and Privacy Risk and Insurance

Human Aspect of Incident Response Investigations

2020-01-03 | Mark Lanterman

Mark Lanterman says combining technology and brainpower is a hallmark of thorough incident response.

Regulation and Compliance

Motor Vehicle Service Contract Ancillary Products

2020-01-03 | Aaron E Lunt

Motor Vehicle Service Contract Ancillary Products—Aaron Lunt takes a look at coverage for auto tires and wheels, theft, vehicle appearance, and fobs.

Regulation and Compliance

New Trends in Insurance

2019-11-01 | Aaron E Lunt

New Trends in Insurance—Aaron Lunt highlights a few innovative changes emerging in insurance.

Cyber and Privacy Risk and Insurance

The California Consumer Privacy Act of 2018, as Amended

2019-10-18 | Melissa J Krasnow

The California governor just signed legislation amending the California Consumer Privacy Act of 2018 (CCPA);Melissa Krasnow explains the changes.

Cyber and Privacy Risk and Insurance

The Impact of Digital Incompetency on Cyber-Security Initiatives

2019-09-20 | Mark Lanterman

Refusing to learn affects more than the individual, per Mark Lanterman.

Corporate Fraud Prevention

Fake Executive Scams

2019-09-20 | Scott Langlinais

Fake executive scams—The human element of your internal control system could cost your firm millions. Scott Langlinais examines the issue.

Insurance Agent E and O

More E&O Tips from the Streets in Rhyming Tweets

2019-09-06 | Brent Winans

Brent Winans provides more snappy advice for insurance agents in a sharable form.

Defense and Settlement

Eight-Corners Rule under Siege

2019-08-16 | Lyndon F Bittle

The evolution of the rule continues in Texas. Lyndon Bittle relates the case currently pending in the Fifth Circuit.

Cyber and Privacy Risk and Insurance

Communication during Cyber Attacks and Data Breaches

2019-06-28 | Mark Lanterman

Responding to, and mitigating the immediate and ongoing damages is critical, per Mark Lanterman.

Regulation and Compliance

Warren Buffett Likes Insurance Companies

2019-06-28 | Aaron E Lunt

Warren Buffett Likes Insurance Companies—Aaron Lunt looks at the attraction to and how insurers make money.

Cyber and Privacy Risk and Insurance

Summary of Amendment to Nevada Privacy Law

2019-06-21 | Melissa J Krasnow

Summary of Amendment to Nevada Privacy Law—Melissa Krasnow reviews Nevada Senate Bill No. 220 which amends the Nevada Privacy Law.

Professional D and O and Fiduciary Liability

Beware of "Absolute" Insurance Policy Wording

2019-06-14 | Frederick J Fisher

Beware of "Absolute" Insurance Policy Wording—Fred Fisher examines "absolute" policy exclusions, and describes the dangers they present for insureds.

Corporate Fraud Prevention

To Prevent Corporate Fraud, Examine Flawed Beliefs

2019-06-07 | Scott Langlinais

To Prevent Corporate Fraud, Examine Flawed Beliefs—Scott Langlinais provides a list of 20 commonly heard excuses that can be red flags for your firm.

Cyber and Privacy Risk and Insurance

Easy and Cost-Effective Cyber-Security Tactics Agents Need To Know

2019-05-17 | Jeffrey Smith

Easy and Cost Effective Cyber-Security Tactics Agents Need To Know—Jeffrey Smith describes security tools that offer the biggest bang for the buck.

Regulation and Compliance

What Is an Insurance Model Law?

2019-05-17 | Aaron E Lunt

What Is an Insurance Model Law?—Do you know how insurance laws develop? Aaron Lunt explains the process.

Professional D and O and Fiduciary Liability

Claims-Made Coverage Trigger Dangers

2019-05-03 | Frederick J Fisher

Claims-Made Coverage Trigger Dangers—Fred Fisher examines extended reporting periods, hammer and allocation clauses, and the workers compensation claim exclusion.

Professional D and O and Fiduciary Liability

More Dangers Lurking in Claims-Made Policy Forms

2019-04-05 | Frederick J Fisher

More Dangers Lurking in Claims-Made Policy Forms—Fred Fisher looks at more pitfalls: EPLI policy definitions and claim and incident reporting provisions.

Cyber and Privacy Risk and Insurance

Cyber-Threat Awareness Requires Training and Vigilance

2019-03-22 | Mark Lanterman

Personalized, prioritized instruction keeps employees engaged and companies safe, per Mark Lanterman.

Cyber and Privacy Risk and Insurance

Cyber Insurance Trends for Small to Medium Enterprises

2019-03-22 | Jeffrey Smith

Cyber Insurance Trends for Small to Medium Enterprises—Jeffrey Smith says tech-based cyber risk solutions are not just for large firms.

Corporate Fraud Prevention

Examining Corporate Gifts and Entertainment

2019-03-22 | Scott Langlinais

Examining Corporate Gifts and Entertainment—Think the exchange of favors and perks hurts no one? Scott Langlinais warns: think again.

Professional D and O and Fiduciary Liability

Possible Dangers Lurking in Claims-Made Policy Forms

2019-03-01 | Frederick J Fisher

Possible Dangers Lurking in Claims-Made Policy Forms—Fred Fischer looks at potential minefields and offers solutions.

Defense and Settlement

Endorsement Did Not Apply to Defense Costs in Deepwater Horizon Suit

2019-03-01 | Lyndon F Bittle

Lyndon Bittle relates the ruling by the Texas Supreme Court.

Cyber and Privacy Risk and Insurance

Breach Notification Laws—State Attorney General or Regulator Notice

2019-02-28 | Melissa J Krasnow

Melissa Krasnow provides the list of statutes regarding breach notification laws..

Cyber and Privacy Risk and Insurance

Massachusetts Amends Breach Notification Law

2019-01-25 | Melissa J Krasnow

The recently signed Massachusetts Bill H.4806 amends the breach notification law which Melissa Krasnow explains.

Cyber and Privacy Risk and Insurance

Cyber Security and Resilience

2019-01-04 | Mark Lanterman

Mark Lanterman discusses ways organizations can prioritize resilience in their cyber-security strategies.

Defense and Settlement

New Liability Restatement and Settlement of Catastrophic Claims

2018-12-07 | Lyndon F Bittle

Where a defendant is insured by multiple policies, adopting this approach could make a big difference, per Lyndon Bittle.

Regulation and Compliance

What Is Subrogation?

2018-11-30 | Aaron E Lunt

What Is Subrogation?—Subrogation benefits all. Aaron Lunt explains how it works and the benefits.

Employment Practices 02

3 Tips for Selling EPL Insurance in the #MeToo Era

2018-10-26 | Sean Jordan

With heightened awareness of sexual harassment, companies may be more receptive to buying this coverage.

Professional D and O and Fiduciary Liability

Fiduciary Liability Insurance Basics

2018-10-12 | Robert A Bregman

IRMI's Bob Bregman explains fiduciary and employee benefit liability insurance, including common claim scenarios.

Cyber and Privacy Risk and Insurance

A Summary of the California Consumer Privacy Act of 2018

2018-09-28 | Melissa J Krasnow

Melissa Krasnow provides a brief overview of recent legislation entitled California Consumer Privacy Act of 2018.

Insurance Agent E and O

Agent E&O Tips from the Streets in Rhyming Tweets

2018-09-28 | Brent Winans

In a novel approach to providing agents and brokers advice, Brent Winans offers his recommendations.

Cyber and Privacy Risk and Insurance

Leadership in Developing Cultures of Security

2018-09-21 | Mark Lanterman

Effective cyber security measures are only as strong as the leadership that supports them, per Mark Lanterman.

Regulation and Compliance

Credit Card Insurance Benefits

2018-08-17 | Aaron E Lunt

Credit Card Insurance Benefits—Aaron Lunt discusses the variety of offers available from financial institutions vying for customers.

Cyber and Privacy Risk and Insurance

Real-Life Consequences in a Digital World: the Role of Social Media

2018-07-13 | Mark Lanterman

Mark Lanterman shows how tweets can come back to bite you and your company.

Defense and Settlement

Settlement Relationships—Insurer, Insured, and Defense Counsel

2018-05-25 | Lyndon F Bittle

Is defense counsel a "sub-agent" of the insured client? Lyndon Bittle relates the case.

Insurance Agent E and O

Avoiding E&O in Excess and Surplus Lines

2018-05-11 | Brent Winans

Brent Winans provides recommendations that may save your agency from a costly E&O claim.

Regulation and Compliance

An Insurer's Framework To Hire outside Counsel

2018-05-11 | Aaron E Lunt

Aaron Lunt offers advice on when to hire outside counsel, especially for regulatory compliance issues.

Professional D and O and Fiduciary Liability

Nuts and Bolts of Representations and Warranties Insurance

2018-04-13 | John E Black

RWI is a commonplace tool in dealmaking. John Black Jr. describes how they work.

Cyber and Privacy Risk and Insurance

Nevada Passes New Privacy Notice Law

2018-04-06 | Melissa J Krasnow

Melissa Krasnow advises companies to revisit their privacy practices in light of the new privacy law passed by Nevada..

Cyber and Privacy Risk and Insurance

Some Thoughts on the Dark Web—and How It Affects You

2018-03-23 | Mark Lanterman

Beware of gateways to the Dark Web, warns Mark Lanterman.

Cyber and Privacy Risk and Insurance

Application of EU's General Data Protection Regulation

2018-03-09 | Melissa J Krasnow

Melissa Krasnow provides a brief overview of when the GDPR applies to an organization.

Regulation and Compliance

Can a Legal Department Become More Efficient?

2018-03-02 | Aaron E Lunt

Can a Legal Department Become More Efficient?—Companies can improve efficiencies and quantify value with a few tweaks, per Aaron Lunt.

Cyber and Privacy Risk and Insurance

State Breach Notification Laws: Personal Information Definition

2018-01-26 | Melissa J Krasnow

Melissa Krasnow relates the differences in state breach notification laws when defining: Personal Information.

Cyber and Privacy Risk and Insurance

Changes in State Breach Notification and Security Procedures Laws

2017-12-01 | Melissa J Krasnow

Melissa Krasnow provides the details.

Defense and Settlement

Defenseless? Beware of Application Errors

2017-12-01 | Lyndon F Bittle

Recognize and remedy misstatements before they turn into lawsuits, advises Lyndon Bittle.

Regulation and Compliance

Insurance Is Regulated by States, Right?

2017-11-03 | Aaron E Lunt

Insurance Is Regulated by States, Right?—The federal government is becoming more involved in the business of insurance, per Aaron Lunt.

Cyber and Privacy Risk and Insurance

Personal Information and Social Media: What Not to Post

2017-09-22 | Mark Lanterman

Think there's no danger in posting personal information? Mark Lanterman says think again.

Cyber and Privacy Risk and Insurance

Business Associate Agreement Requirements and Negotiated Provisions

2017-09-15 | Melissa J Krasnow

The first step in a sound construction risk management program is the selection of a qualified contractor. This article provides a methodical process of evaluating and comparing contractor qualifications.

Regulation and Compliance

Technology and the Motor Vehicle Service Contract Industry

2017-09-08 | Aaron E Lunt

Technology and the Motor Vehicle Service Contract Industry—Aaron Lunt says it must anticipate market needs, shifting regulations, and ownership issues.

Defense and Settlement

The Insurer Wants Its Money Back—Can It Do That?

2017-09-01 | Lyndon F Bittle

Whether it can recover costs paid depends on many factors. Lyndon Bittle explains.

Professional D and O and Fiduciary Liability

ISO's New Miscellaneous Professional Liability Program

2017-08-18 | Robert A Bregman

Bob Bregman provides a history of the coverage and discusses the new features.

Cyber and Privacy Risk and Insurance

Managing Doxxing-Related Cyber Threats

2017-07-21 | Mark Lanterman

Be prepared by learning what data about you is readily available, advises Mark Lanterman.

Insurance Agent E and O

Explain Ordinance or Law Coverage To Avoid E&O Claims

2017-07-14 | Brent Winans

How much is enough? Brent Winans examines the factors to consider.

Defense and Settlement

Contract Bars Coverage? Reform the Contract!

2017-05-12 | Lyndon F Bittle

Reformation may be warranted in certain circumstances. Lyndon Bittle reviews a recent case.

Regulation and Compliance

Warranty, Service Contract, and Insurance

2017-04-28 | Aaron E Lunt

Warranty, Service Contract, and Insurance—While they have many similar components, Aaron Lunt explains that their dissimilarities are important under the law.

Cyber and Privacy Risk and Insurance

Understand the Layers of Cyber-Security and What Data Needs Protecting

2017-03-17 | Mark Lanterman

Prevention, detection, and response are all important in developing a cyber-security strategy that fits and value and sensitivity of your data.

Defense and Settlement

First Come, First Served—Must an Insurer Accept a Settlement Offer That Does Not Release All Insureds?

2017-02-24 | Lyndon F Bittle

Lyndon Bittle relates a recent Fifth Circuit case that affirmed a $2.8 million judgment against an insurer for failing to accept a Stowers demand.

Regulation and Compliance

Understanding the Consumer Financial Protection Bureau

2017-02-17 | Aaron E Lunt

Learn about the Consumer Financial Protection Bureau, which is part of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Cyber and Privacy Risk and Insurance

Cyber-Security Event Recovery Plans

2017-02-03 | Melissa J Krasnow

Looking at the recent NIST guide, learn what should be included in a cyber-security event recovery plan as part of a larger business continuity plan.

Cyber and Privacy Risk and Insurance

Learn about the Internet of Things: Connectivity, Data, and Privacy

2017-01-06 | Mark Lanterman

Cyber-risk surrounds us. Learn how better security measures improve the safety of the Internet of Things for everyone.

Cyber and Privacy Risk and Insurance

Guidance on Ransomware

2017-01-06 | Melissa J Krasnow

Learn the most recent federal advice on understanding what ransomware is and how to effectively deal with it.

Defense and Settlement

Does Cooperation Mean Capitulation?

2016-12-16 | Lyndon F Bittle

Lyndon Bittle relates a case regarding whether the insured's duty to cooperate required it to contribute its own assets to settle a covered claim.

Regulation and Compliance

What Is a Contractual Liability Insurance Policy?

2016-11-04 | Aaron E Lunt

Learn what a contractual liability insurance policy (CLIP) is, why it's necessary, and how it is used in the marketplace to protect both businesses and consumers.

Regulation and Compliance

Insurance Protection on My Cell Phone

2016-09-02 | Aaron E Lunt

Cell phone insurance via portable electronic insurance (PEI) is available in all states except Wyoming.

Defense and Settlement

No Home Run If You Don't Touch All the Bases: Collecting Judgments Against Nonsettling Insurers

2016-08-26 | Lyndon F Bittle

Lyndon Bittle analyzes the obstacles of collecting judgments against nonsettling insurers in relation to a Texas case, Seger v. Yorkshire Insurance.

Professional D and O and Fiduciary Liability

The Sharing Economy: A New Frontier in Management Liability?

2016-07-15 | John E Black

John Black discusses the basics of what constitutes a sharing economy.

Regulation and Compliance

What in the World Is a Motor Vehicle Service Contract?

2016-03-18 | Aaron E Lunt

Motor vehicle service contracts are defined, differ from insurance, and are regulated.

Insurance Agent E and O

Avoid Agent E&O Claim Denial

2015-07-17 | Brent Winans

While the danger of reporting potential incidents is generally overstated, Brent Winans warns that the greater danger is not reporting them.

Insurance Agent E and O

Avoid Agent E&O When Handling Problem Claims

2015-06-05 | Brent Winans

Agents can provide clients much needed service and advocacy at claim time, but, as Brent Winans shows, it can be at their own peril.

Cyber and Privacy Risk and Insurance

Guidance for Incident Response Plans

2015-05-08 | Melissa J Krasnow

Melissa Krasnow provides a checklist developed from state and federal sources.

Employment Practices 02

Court Expands Scope of Protected Activity for Retaliation Claims

2015-05-01 | Noel P Tripp

The US Supreme Court examines oral versus formal worker complaints. Noel Tripp relates the case.

Insurance Agent E and O

Independent Agents: Pay Special Attention to Your "Special Relationship" Clients

2015-01-17 | Brent Winans

Brent Winans provides a general overview of the duties of insurance agents as established by state laws.

Cyber and Privacy Risk and Insurance

California Privacy Laws Change: Identity Theft Prevention and Mitigation Services

2014-10-01 | Melissa J Krasnow

Melissa Krasnow details California's recent legislation affecting security breach notification, theft prevention, mitigation, procedures, and SSN sales.

Professional D and O and Fiduciary Liability

Awake at Night: Cyberbreaches and the New Risk to D&O

2014-10-01 | John E Black

John Black describes how recent events reveal the importance of protecting corporations from cybersecurity losses.

Cyber and Privacy Risk and Insurance

Changes in State Breach Notification Laws

2014-08-01 | Melissa J Krasnow

As data breaches occur, notification laws are being amended or enacted. Melissa Krasnow elaborates.

Cyber and Privacy Risk and Insurance

Guidance for Managing Cyber-Security Risks

2014-05-01 | Melissa J Krasnow

California's attorney general recently published steps to stay cyber secure which are elaborated on by Melissa Krasnow.

Cyber and Privacy Risk and Insurance

California Minors under Age 18: Privacy Requirements for Deleting Content/Information and Advertising/Marketing

2013-09-01 | Melissa J Krasnow

Melissa Krasnow discusses the California requirements restricting online information posted by or aimed at non-adults.

Cyber and Privacy Risk and Insurance

Yawning in the Face of Privacy Risks

2012-05-25 | Gary E Clayton

Gary Clayton says while often neglected, privacy and data security are serious issues requiring active executive involvement.

Employment Practices 02

States Move Swiftly To Protect Employees' Social Media Rights

2012-05-01 | Paul Siegel

Paul Siegel discusses court and state attempts to prevent employers from demanding employee log-in information.

Cyber and Privacy Risk and Insurance

Hacking, Malware, and Social Engineering—Definitions of and Statistics about Cyber Threats Contributing to Breaches

2012-01-28 | Melissa J Krasnow

Melissa Krasnow describes these threats as well as pretexting, phishing, and spear phishing.

Cyber and Privacy Risk and Insurance

Securities and Exchange Commission Issues Guidance on Cybersecurity and Cyber Incident Disclosure

2011-12-31 | Melissa J Krasnow

Federal securities laws mandate timely, comprehensive, and accurate disclosure of risks investors would deem important. Melissa Krasnow explains.

Cyber and Privacy Risk and Insurance

The Militarization of Cyber Space and the Risks for U.S. Businesses

2011-11-01 | Gary E Clayton

Traditional risk management principles are ineffective against cyber risks. Gary Clayton explains.

Cyber and Privacy Risk and Insurance

SEC Requires Disclosure of Cyber Attacks

2011-10-01 | Gary E Clayton

New cyber-security disclosure requirements may impact firms' stock, contractual relationships, and ability to import personal data.

Employment Practices 02

Supreme Court Rules California's Prohibition of Class Action Waivers in Arbitration Agreements Preempted by Federal Law

2011-05-01 | Paul Siegel

The Supreme Court upholds the enforceability of arbitration agreements. Paul Siegel relates the case.

Employment Practices 02

Supreme Court Broadens Title VII Associational Retaliation Claims

2011-03-01 | Paul Siegel

Paul Siegel describes a recent employment case where the antiretaliation provision is applied to third parties.

Corporate Fraud Prevention

Fraud in Major Contract Projects

2011-01-01 | Scott Langlinais

Perpetrators operate best in the dark. Scott Langlinais discusses how to uncover dishonest acts.

Employment Practices 02

Supreme Court: Public Employer Search Not Unreasonable under Fourth Amendment

2010-08-01 | Paul Siegel, Noel P Tripp

Relating a recent Supreme Court case, Paul Siegel notes the importance of thorough computer and electronic equipment usage policies.

Corporate Fraud Prevention

Five-Step Approach to Fraud Detection: #4 Build Audit Programs/Detective Processes to Look for Symptoms

2010-07-17 | Scott Langlinais

In step 4 of his 5-Step Approach to Fraud Detection, Scott Langlinais says to include symptom detection in audit programs.

Corporate Fraud Prevention

Five-Step Approach to Fraud Detection: #3 Be Alert to Symptoms

2010-06-01 | Scott Langlinais

In his 'Five-Step Approach to Fraud Detection,' Scott Langlinais shows how to ferret out collusion.

Employment Practices 02

Second Circuit Applies New Supreme Court Standard for Retaliation Claims

2010-05-01 | Paul Siegel

The Second Circuit provides guidance to employers seeking to comply with state and federal antiretaliation provisions. Paul Siegel explains.

Corporate Fraud Prevention

Five-Step Approach to Fraud Detection: #2 Know the Symptoms of Occurrence

2010-04-01 | Scott Langlinais

In his Five-Step Approach to Fraud Detection, Scott Langlinais provides a template to help firms detect and control fraud.

Employment Practices 02

Ninth Circuit Rejects EEOC Guidance: No Compensatory/Punitive Damages for ADA Retaliation Claims

2010-02-01 | Paul Siegel

Paul Siegel explains a recent ruling disallowing compensatory and punitive damages for ADA retaliation claims.

Corporate Fraud Prevention

Five-Step Approach to Fraud Detection: #1 Know the Exposures

2009-12-01 | Scott Langlinais

Scott Langlinais helps executives establish control systems to detect fraud in their day-to-day operations.

Employment Practices 02

New EEOC Guidance on Waivers of Discrimination Claims

2009-08-01 | Paul Siegel

Paul Siegel outlines the key points for individual and group layoffs.

Employment Practices 02

Do Employee Layoffs Equal Litigation?

2009-04-01 | Paul Siegel

With discrimination charges on the increase, costly lawsuits follow. Paul Siegel provides employers with risk management tips.

Employment Practices 02

Should Employers "Google" Applicants?

2009-02-01 | Paul Siegel

Paul Siegel summarizes the advantages and disadvantages of using Internet resources to gather information on job applicants.

Corporate Fraud Prevention

Corporate Fraud: Acceptable Limits

2009-01-01 | Scott Langlinais

Scott Langlinais describes the three factors that determine whether fraud has stretched beyond acceptable limits: its amount, its nature, and its duration.

Employment Practices 02

Eleventh Circuit Court Requires Comparables "Similarly Situated in All Respects"

2008-12-01 | Paul Siegel

Paul Siegel relates a case where, to prove employment discrimination, plaintiffs must show the comparator's misconduct be nearly identical to their own.

Corporate Fraud Prevention

Seek the Symptoms of Fraud

2008-09-01 | Scott Langlinais

Scott Langlinais advises to forget the fraud triangle and fraud diamond. Focus on the root causes.

Employment Practices 02

Downsizing Risk Management: RFOA as an Affirmative Defense

2008-08-01 | Paul Siegel

Paul Siegel examines the Supreme Court's recent decision in Meacham v. Knolls Atomic Power and provides practical advice to employers facing layoffs.

Corporate Fraud Prevention

Risk Management for Company-Paid Purchase Cards

2008-06-01 | Scott Langlinais

Scott Langlinais warns companies of the dangers of 'improving' controls by providing P-cards to employees.

Employment Practices 02

"Associational" Discrimination Claims a Growing Concern for Employers

2008-05-01 | Paul Siegel

Paul Siegel explains why human resources professionals must consider the potential for claims by employee spouses, relatives, and partners.

Corporate Fraud Prevention

Reducing the Opportunity To Commit Fraud

2008-03-01 | Scott Langlinais

Scott Langlinais says while checks and balances are important, they cannot prevent fraud—segregated processes compliment ethical behavior.

Employment Practices 02

New York Steps Up Employment Compliance Oversight

2008-02-01 | Paul Siegel

Paul Siegel tells how the State Division of Human Rights is now investigating administrative complaints of discrimination more aggressively.

Corporate Fraud Prevention

Importance of a Strong Fraud Policy

2008-01-01 | Scott Langlinais

Scott Langlinais advises firms to adopt, reiterate frequently, enforce, and reevaluate their codes of conduct.

Corporate Fraud Prevention

Building Processes To Detect Fraud

2007-09-01 | Scott Langlinais

Scott Langlinais reveals how to develop an internal approach where everyone is responsible for identifying risks and exposing perpetrators.

Corporate Fraud Prevention

High-Integrity Management and Fraud Prevention: The Wrong Way

2007-07-01 | Scott Langlinais

A company can employ many tactics to fight fraud, but one person can undermine it. Scott Langlinais explains.

Employment Practices 02

Special Rules on Release Agreements for Workers Raise Questions and Create Litigation Risks

2007-03-01 | Paul Siegel

Paul Siegel explains why drafting group termination releases that will reduce the risk of employment litigation and withstand judicial scrutiny is so difficult.

Employment Practices 02

How Companies Are Bracing for EEOC Class Action Initiative Goals

2007-02-01 | Paul Siegel

With the government stating its intent to address systemic workplace discrimination, employers should consider preventive practices. Paul Siegel explains.

Healthcare Professional Liability Insurance

Medical Malpractice: The High Cost of Meritless Claims

2007-01-13 | Charles Kolodkin

Charles Kolodkin and Paul Greve examine a study by the Harvard School of Public Health and the conclusions that may be surmised from the data.

Employment Practices 02

Complying with the Immigration Reform and Control Act of 1986: A Challenging Task

2006-10-01 | Paul Siegel

Paul Siegel warns that employers need to take care in how they handle documentation requests and I-9 form completion of prospective employees.

Employment Practices 02

Supreme Court Loosens Standard in Retaliation Lawsuits

2006-07-01 | Paul Siegel

Paul Siegel discusses a recent Supreme Court case that has been hailed as a victory by employees' rights groups nationwide.

Cyber and Privacy Risk and Insurance

"Media Liability" Coverage in Tech/Media/eBusiness Policies

2006-02-01 | Michael A Rossi

In conjunction with the Tech-eRisk 2006 Seminar, Mike Rossi reveals key issues to consider in newer liability policies.

Cyber and Privacy Risk and Insurance

Variations in "Fraud/Dishonesty" Exclusions in Tech/Media/eBusiness Policies

2006-01-14 | Michael A Rossi

In conjunction with the Tech-eRisk 2006 Seminar, Mike Rossi continues his series on wording issues in newer liability insurance policies.

Cyber and Privacy Risk and Insurance

Insuring Liability for Third-Party Claims Seeking Lost Profits

2005-11-01 | Michael A Rossi

Mike Rossi explains coverage for lost-profit claims under policies designed to address technology, media, Internet liability, and network security liability. Variations and caveats are provided.

Cyber and Privacy Risk and Insurance

Addressing Liability Risks for Data Loss from an Insurance and Contractual Risk Transfer Perspective

2005-07-01 | Michael A Rossi

In this edition of the Cyber Insurance column, Mike Rossi briefly discusses new strategies to help risk managers, brokers, and others address third-party liability risk involving lost or corrupted data.

Cyber and Privacy Risk and Insurance

Storing Liability: the Increasing Risks of Off-Site Data Storage

2005-05-01 | Gary E Clayton

New legislation, particularly in California, requires that firms protect the data they store. Gary Clayton outlines steps that should be taken to avoid risks associated with the loss of personal information.

Employment Practices 02

Supreme Court Allows Age Discrimination Claims Based on Disparate Impact

2005-04-01 | Paul Siegel

Based on a March 30, 2005, ruling, employers must review their policies to assess the impact on older workers and address any unintended consequences, even if not deliberate. Paul Siegel explains.

Cyber and Privacy Risk and Insurance

Privacy: Outsourcing and the Need for a Vendor Compliance Strategy

2005-03-01 | Gary E Clayton

The Privacy Council explains that with proper risk management, outsourcing arrangements can work as long as the privacy/security of the underlying personally identifiable information is protected.

Employment Practices 02

An Imperative for Employers Everywhere: California Enacts Sexual Harassment Training Statute

2004-12-01 | Paul Siegel

California Enacts Sexual Harassment Training Statute. A new law dictates that employers provide a harassment-free workplace and have the legal duty to prevent the misconduct and remedy its consequences. Paul Siegel explains.

Cyber and Privacy Risk and Insurance

Indemnity and Insurance Provisions in E-Business Contracts

2004-07-01 | Michael A Rossi

Mike Rossi explains the impact of e-business activities on legal liability and first-party risks and identifies some of the ways these risks can be managed through indemnity and insurance provisions.

Cyber and Privacy Risk and Insurance

Protecting Data Assets: Not Just a Cyberspace Issue

2004-06-01 | Gary E Clayton

An organization's most valuable asset is the personal information about and trust of its customers. The Privacy Council explains how a security plan and other safeguards are crucial.

Healthcare Professional Liability Insurance

Physicians: Frustrated and Fighting Back

2004-05-15 | Charles Kolodkin

Going on the offensive against disgruntled patients and their attorneys seems appealing, but Charles Kolodkin explains why risk management training is a better idea.

Employment Practices 02

New Guidelines for Federal Workplace Drug Testing Proposed

2004-05-01 | Paul Siegel

The Department of Health and Human Services recently proposed new guidelines for federal workplace drug testing, including hair and sweat testing. Paul Siegel explains.

Employment Practices 02

Time To Reevaluate Employee Bonus and Incentive Plans?

2004-04-01 | Paul Siegel

Paul Siegel and Jennifer Shaw discuss why firms need to review their compensation plans due to a recent court ruling that those based on store sales and profitability goals violate California law.

Cyber and Privacy Risk and Insurance

Protecting Your Employees from Identity Theft

2004-02-14 | Gary E Clayton

Theft of information by employees is the top cause of identity fraud. Conducting an audit of how personnel information is stored and used can reveal gaps in controls. The Privacy Council explains.

Cyber and Privacy Risk and Insurance

Creating a Privacy Policy Compliant with the New Online Privacy Protection Act

2003-12-01 | Gary E Clayton

The Privacy Council discusses a new California law sure to result in lawsuits against commercial website operators who don't post an adequate privacy policy and what should be done to comply.

Cyber and Privacy Risk and Insurance

Tech E&O Insurance—A Primer for Risk Managers

2003-11-01 | Michael A Rossi

Michael Rossi answers some commonly asked questions by many risk managers about Tech Errors & Omissions insurance: What is it? Why do I need it? How does it work?

Cyber and Privacy Risk and Insurance

Cyber-Liability Insurance Issues for Large Companies

2003-11-01 | Michael A Rossi

Mike Rossi takes a look at how large firms are covering their e-business and cyber-activity risks and what to look for in the broad-based/multiline policies now available in the market.

Healthcare Professional Liability Insurance

The Government Weighs in: What's Causing Increased Medical Malpractice Premium Rates

2003-10-18 | Charles Kolodkin

The General Accounting Office recently completed an extensive study of the medical malpractice insurance industry and the factors that have caused premium rates to increase.

Professional D and O and Fiduciary Liability

Policy Limitations on Coverage: A D&O Trend in a Hard Market

2003-04-01 | John E Black

D&O insurers appear to be denying coverage more frequently now than in the soft market, relying on the personal profit, fortuity, and insurable loss arguments. John Black Jr. examines the recent case law.

Healthcare Professional Liability Insurance

Tort Reform and Its Impact on Medical Malpractice Insurance

2003-03-21 | Charles Kolodkin

Charles Kolodkin discusses how the medical malpractice insurance industry is definitely in crisis, with many insurers refusing to cover hospitals and physicians.

Cyber and Privacy Risk and Insurance

The Growing Privacy Risk and the Insurance Industry

2003-02-01 | Gary E Clayton

Privacy is quickly becoming a growing concern to risk managers and the insurance industry. Gary Clayton asks, "Are you prepared?"

Employment Practices 02

The Dangers of "Post-Injury" Drug and Alcohol Testing

2003-02-01 | Paul Siegel

Paul Siegel explains why, due to recent case law, employers should be wary of conducting automatic testing based on an employee work-related injury.

Professional D and O and Fiduciary Liability

Insurance for A-Side D&O Exposures after Enron—A Riskier Proposition?

2002-12-01 | John E Black

In today's difficult legal and economic climate, has pure directors and officers liability coverage become a riskier proposition? New Expert Commentator John E. Black Jr. examines the issues.

Employment Practices 02

The Sarbanes-Oxley Act of 2002: Expanded Whistleblower Protection

2002-11-01 | Paul Siegel

Paul Siegel discusses the employment-related provisions, procedures, and implications of the recently enacted "whistleblower" act, which became law July 30.

Professional D and O and Fiduciary Liability

Non-Practicing Extensions in Professional Liability Insurance Policies

2002-11-01 | Robert A Bregman

Liability claims can be made against insureds even after they cease to practice their professions. Robert Bregman discusses the importance of non-practicing extensions in professional liability insurance policies.

Employment Practices 02

Managing RIFs during Tough Economic Times

2002-10-01 | Paul Siegel

Paul Siegel presents guidelines for how employers can implement a reduction in workforce and avoid potential employment law challenges.

Professional D and O and Fiduciary Liability

Predecessor Firm Coverage: A Key Aspect of Professional/E&O Liability Insurance

2002-06-01 | Robert A Bregman

Bob Bregman answers many common, and not so common, questions surrounding this key coverage for predecessor firms under professional and E&O policies.

Cyber and Privacy Risk and Insurance

The End of Computer Virus Coverage as We Know It?

2002-05-01 | Michael A Rossi

Mike Rossi updates readers on problematic e business insurance issues he s seeing during 2002 property insurance renewals and in conversations with insurers at RIMS.

Employment Practices 02

Supreme Court Holds ADA Doesn't Require Employer To Violate Its Seniority Policy

2002-05-01 | Paul Siegel

Paul Siegel explains the recent U.S. Supreme Court ruling that the Americans With Disabilities Act does not require an employer to violate a seniority-based system to transfer a disabled employee to another position as a reasonable accommodation.

Professional D and O and Fiduciary Liability

Bankruptcy and the Insured versus Insured Exclusion

2002-04-01 | Robert L Suomala

Robert Suomala examines litigation surrounding the insured versus insured exclusion in D&O policies and claims by a trustee, receiver, or other official of an insured corporation in bankruptcy.

Professional D and O and Fiduciary Liability

Does the Discovery Provision Apply during the Extended Reporting Period?

2002-03-01 | Robert A Bregman

Bob Bregman examines whether the policy's discovery provision is operative during the time period covered by the ERP.

Employment Practices 02

Supreme Court Clarifies EEOC's Role in Arbitration Disputes

2002-02-01 | Paul Siegel

The Court has upheld the EEOC's right to seek all available remedies for job discrimination regardless of existing arbitration agreements. Paul Siegel examines the ramifications.

Employment Practices 02

Military Leave Rights: Obligations for Employers

2001-12-01 | Paul Siegel

Military Leave Rights: Obligations for Employers—Paul Siegel reviews the rights of service members to leave their civilian jobs for active military service.

Cyber and Privacy Risk and Insurance

Is Computer Data "Tangible Property" or Subject to "Physical Loss or Damage"?—Part 2

2001-11-01 | Michael A Rossi

In this second of a two-part article, Catherine Rivard and Michael Rossi address these questions and discuss the lack of a definitive answer by the courts. They also reveal some of the ways insurers are responding to the property and liability risks associated with computer data.

Professional D and O and Fiduciary Liability

Broader Covered Perils Leave Gaps in Covered Losses under EPL Policies

2001-10-01 | Robert A Bregman

Policy modifications and actions can mitigate a policyholder's exposure to uninsured losses.

Healthcare Professional Liability Insurance

Medical Malpractice Insurance Trends? Chaos!

2001-09-29 | Charles Kolodkin

Premiums are doubling, deductibles tripling, and insurers are abandoning the line. Charles Kolodkin explains why the condition of the market is quite rationale and not surprising.

Cyber and Privacy Risk and Insurance

Is Computer Data "Tangible Property" or Subject to "Physical Loss or Damage"?—Part 1

2001-08-01 | Michael A Rossi

In this article, Catherine Rivard traces the evolution of court decisions dealing with the questions of whether computer data is "tangible property" or subject to "physical loss or damage" for purposes of insurance coverage.

Employment Practices 02

The New OSHA Ergonomics Program Standard

2001-01-01 | Paul Siegel

OSHA has issued its long-awaited final rule for an Ergonomics Program Standard, 29 CFR Part 1910.900. This new standard contains stringent requirements for most nonconstruction employers to identify and abate musculoskeletal disorders. This article examines the new standard and the possible costs to implement the ergonomics requirements.

Cyber and Privacy Risk and Insurance

New Stand-Alone E-Commerce Insurance for Third-Party Liability Claims (Part 2)

2000-12-15 | Michael A Rossi

This article provides general observations regarding the stand-alone e-commerce liability market and what issues you should consider when reviewing or placing insurance coverage. Several insurer policy provisions are compared, such as what constitutes professional services, coverage for patent infringement, mandatory binding arbitration provisions, contractual liability coverage, blanket additional insured endorsements, and many others.

Cyber and Privacy Risk and Insurance

New Stand-Alone E-Commerce Insurance for Third-Party Liability Claims (Part 1)

2000-12-01 | Michael A Rossi

Whether you're a small or large firm, if you're in the market for a stand-alone e-commerce liability policy, this article explains the issues to consider. Learn tips on how to negotiate coverage and compare various insurers' off-the-shelf forms. Published in conjunction with a policy comparison chart, this article examines the state of the market and identifies various insurers, their respective forms, and capacity.

Employment Practices 02

Top 10 Best Employment Practices for the New New Economy

2000-12-01 | Paul Siegel

Given the rapid growth of new new economy companies, HR issues have tended to take a backseat to other concerns. This article enumerates the most important employment practices that these companies should adopt in order to keep on track.

Brand Equity and Product Recall

Are You Ready for Total Recall?

2000-11-01 | Daniel Torpey

Learn how the choices you make now can save your company from a hard landing if it ever faces total recall.

Healthcare Professional Liability Insurance

Basic Issues in Your Hospital Professional Liability Form

2000-09-30 | Bonnie Boone

Renewing or moving a hospital professional liability insurance program is a complex process. Bonnie Boone explains.

Cyber and Privacy Risk and Insurance

Third-Party Liability E-Commerce Risks and Traditional Insurance Programs

2000-08-01 | Michael A Rossi

This article discusses e-commerce risks in the context of the potential coverage gaps in traditional insurance programs for many corporate insureds. Its objective is to help you better understand how to review an insurance program with respect to e-commerce risks, as well as to evaluate the need for special e-commerce insurance policies.

Employment Practices 02

Nonunion Employees Gain Right to Representation during Investigatory Interviews

2000-08-01 | Paul Siegel

This article discusses a recent National Labor Relations Board decision holding that nonunion employees have the right to representation during an interview that might lead to disciplinary action and its potential impact on the workplace.

Professional D and O and Fiduciary Liability

Online Underwriting Information for D&O Liability Insurance

2000-07-01 | Robert A Bregman

The availability of online financial and other important data has made D&O underwriters less dependent on paper submissions, allowing them to make faster, more accurate assessments that ultimately benefit both parties to an insurance transaction. This article reviews some of the sources of this data and how it is used.

Healthcare Professional Liability Insurance

Integrated Health Care Delivery Systems' Challenges

2000-06-10 | Bonnie Boone

Bonnie Boone highlights some of the important issues that must be considered in managing health care delivery risks and structuring their insurance programs.

Cyber and Privacy Risk and Insurance

First-Party E-Commerce Risks

2000-06-01 | Michael A Rossi

Examine the gaps in traditional insurance policies with respect to first-party e-commerce risks and learn some ways to close those gaps in the second article of our Cyber Insurance series.

Cyber and Privacy Risk and Insurance

Bringing Order to Chaos: Insurance Issues for E-Commerce Activities

2000-05-01 | Michael A Rossi

The insurance industry has developed insurance products expressly designed to insure third-party liability and first-party risks related to e-commerce activities. Other insurers counter that new policies are not needed or that it is impossible to underwrite the risks being underwritten by these new policies. Mike Rossi explains.

Professional D and O and Fiduciary Liability

Key Coverage Options under Employment Practices Liability Policies

2000-03-01 | Robert A Bregman

Bob Bregman provides the six key options that any purchaser of employment practices liability insurance (EPLI) policies should consider before buying coverage.

Healthcare Professional Liability Insurance

Long-Term Health Care Professional Liability ... Where Are We Now?

Bonnie Boone looks at the current professional liability market for long-term health care, including events leading up to this stage and causes of the problems with this coverage line. In addition, advice is offered for insurers and risk managers interested in this class of business.