Kent Holland explains Nav-Its, Inc. v. Selective Insurance, span court case] where the New Jersey Supreme Court limited the pollution exclusion to hazards traditionally associated with environmentally related claims.
In the final installation of his series on identity theft, Rob Olson examines the types of coverage offered by insurance organizations and banks, and lists other reforms that are needed to address this risk.
Illegal Employment Contracts and Workers Compensation Injuries Jim Pocius examines situations where employers have attempted to limit workers compensation benefits to their employees, and the courts' response.
There are real and perceived environmental hazards or contamination routinely found at construction sites. In this article, Jeff Slivka explores less common provisions for managing environmental risk through contracts.
Has the emergence of mold as an insurance issue caused risk managers to lose sight of "other" environmental exposures associated with residential work? Jeff Slivka provides a list of other risk management concerns.
Mold has become such a nightmare for owners, contractors, suppliers, everyone, that if you haven't developed a prevention program, you probably will. Jeff Slivka provides a brief outline of what a mold prevention program may look like.
This article reviews OSHA's efforts to implement ergonomic regulations, presents details on the current proposed voluntary program, supplies information on a new legislative challenge, and discusses a recent study dealing with the causes of loss in the workplace.
What happens when an earthwork contractor accepts fill material at the site to establish proper elevations only to discover later that the "clean fill" is anything but? Jeff Slivka provides ways to control the exposure.
Obtaining insurance coverage for mold-related problems is difficult, with most insurers relying on pollution exclusions and/or newly added mold exclusions to deny coverage. Kevin Shane and Alan Bressler explain the basics of the problem and offer coverage solutions.
Most employers assume they must choose between traditional insurance or self-insurance for workers comp. Martin McGavin examines the "unbundling" option, how it works, and its advantages and disadvantages.
Medicare now believes there has been an illegal shift of medical benefits from workers compensation insurers to Medicare. To stem this flow, Medicare hopes to examine all workers comp settlements, even when claimants do not qualify for Medicare benefits. See what may be in store in this controversial area.
With the growth of the global economy, public awareness of differences between nations' environmental programs spurred the development of an international standard for environmental sensitivity. This article examines the ISO 14001 standard, certification, and scheduled revisions.
The number of abandoned industrial sites across America in need of environmental remediation continues to grow. With local governments striving to curb urban sprawl and eliminate inner-city decay, and with the development of recent legislative and regulatory initiatives, these 'Brownfield' sites offer an opportunity for redevelopment. This article explains how environmental insurance and innovative risk management tools help reduce the risk and uncertainty surrounding these projects.
In these changing business times, it is often difficult to discern who the real employer is with regard to the employer/employee relationship. The traditional employer/employee relationship is being eroded as employers turn to temporary agency workers, independent contractors, and leased employees to enhance their competitive advantage. This article explains the common-law method of defining the employer/employee relationship and provides cost saving tips for risk management.
Unknown environmental problems are a far greater source of loss to lenders than fire, vandalism, theft, or title risks. This article examines the importance of environmental liability for all financial institutions and investors that hold or invest in loans where real estate is used as collateral
When it comes to workers compensation benefits, some states are much more generous than others. Learn how jurisdiction is determined, what problems can arise when more than one state is involved, and risk management tips for saving time and money.
Employee leasing offers a variety of benefits, including a possible reduction in net expenses. However, it is not a strategy without risk. This article reviews some of the issues to assess when considering this option.
The number and types of environmental insurance markets and products offered has increased dramatically in recent years. This article looks at the trends and events surrounding the market and provides a snapshot of the current environmental insurance marketplace.
Jeff Slivka explains that contractors must open their eyes and realize that there are environmental exposures in their day-to-day operations. You don't have to be an environmental contractor to have an environmental exposure!