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What's New—November 2017

Six reference service updates and new issues of The Risk Report, Captive Insurance Company Reports, Employment Practices Liability Consultant, and The Betterley Report have been added to the IRMI KnowledgeBases. We have also updated the home page and job function dashboards to facilitate navigation in the site.

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Reference Services

This CGL Reporter release adds 46 new cases from appellate courts around the nation. PDFs of these decisions have been added to the Caselaw Library, which now contains 5,347 cases. The latest edition of Insurance Law Reporter reflects our thoughts on these recent cases and why they are important to our industry.

Most of these recent cases are also part of our Insurance Case Finder tool, which you can access free of charge as part of your CGL Reporter subscription. Insurance Case Finder is a Web-based application consisting of a large database (7,652 case records) of insurance coverage written case summaries and analyses, along with a unique search engine that will make insurance case law research much simpler and faster. To learn more, check out the short video.

Commercial Auto Insurance includes an "Auto Insurance Proof of Coverage Form" update for the following state.

This Commercial Liability Insurance release continues the revision and expansion of our annotations of endorsements developed for the Insurance Services Office, Inc., commercial liability umbrella coverage form, CU 00 01. It adds discussions of a number of exclusionary and additional coverage endorsements addressing loss exposures such as the XCU hazard, designated ongoing operations, railroad rolling stock, elimination of the subcontractor exception to the "damage to your work" exclusion, subrogation waiver, restrictive modifications of contractual liability coverage, and a noncontributory provision. This last endorsement is perceived by some as a means of avoiding the effects of horizontal exhaustion of limits for umbrella additional insureds, guaranteeing that they have access to the named insured's umbrella policy before their own primary liability policy is called on to pay a covered claim. Whether or not the endorsement works that way in a real-world claim, it at least provides named insured indemnitors with a way of complying with contract requirements that they provide additional insured status to their indemnitees on a noncontributory basis. The release also adds a brief discussion of contractors limitation endorsements, which are a virtually universal feature of umbrella coverage written for insureds in the construction industry.

D&O MAPS has been expanded to include the following policies and analyses.

We have recently added two new policy forms to the D&O Policy Explorer in D&O MAPS, which allows you to compare them to other forms in the database. They are as follows.

  • AIG Europe LTD in the UK Corporate Guard Non-SEC for Financial Institutions
  • Philadelphia Private Company Protection Plus

There are 251 directors and officers (D&O) policy forms available for comparison in D&O Policy Explorer in D&O MAPS. Subscribers are invited to submit for analysis policies that are not currently included in D&O MAPS and D&O Policy Explorer.

IRMI Workers Comp contains updated information relating to workers compensation posting notice requirements and payroll limitations for sole proprietors, partners, executive officers, and limited liability company members.

This Personal Risk Management and Insurance release updates the uninsured motorists overview section and greatly expands the underinsured motorist trigger discussion. This discussion includes numerous illustrations and loss scenarios as to how these various triggers work. This release also updates homeowners loss exposure and loss control sections for personal theft, developing a disaster plan, earthquake, and flood. In addition, it updates the (a) peer-to-peer home rental discussion, (b) summary of state auto laws, (c) state-specific list of Insurance Services Office, Inc. (ISO), homeowners endorsements, (d) state-specific list of ISO personal auto endorsements, and (e) homeowners and personal auto state cancellation pages. Lastly, this release revises 18 uninsured/underinsured motorists (UM/UIM) state pages and 2 state no-fault pages (Florida and New Jersey).

Newsletters & Journals

The November 2017 issue of The Risk Report, "Inland Marine Construction Insurance Choices for Policy Bases," provides an overview of the insurance programs offered by Insurance Services Office, Inc. (ISO), and American Association of Insurance Services, Inc. (AAIS), for the three key inland marine construction coverages: builders risk, installation, and contractors equipment. It explains how the ISO and AAIS programs compare in terms of both program architecture and policy provisions.

The November 2017 issue of Captive Insurance Company Reports looks at the following topics of interest.

The Fall 2017 issue of Employment Practices Liability Consultant includes the following topics.

The October 2017 issue of The Betterley Report, "Cyber Insurance for Healthcare Market Survey—2017," includes the following highlights.

  • Our First-Ever Survey of Cyber Insurance Products Specifically for Healthcare Insureds
  • Substantially Expanded Data on Market Focus, Showing Interest Level for Specific Segments of the Healthcare Industry
  • 21 Insurers Included in this New Survey
  • Specific Healthcare-Related Policy Wordings Are Evolving—but Risk Management Services Lag
  • Kim Holmes Writes about How a Healthcare Organization Ought To Evaluate an Insurer's Value-Added Risk Management Services


This month, 63 forms and endorsements have been added to the Forms library. These include Insurance Services Office, Inc. (ISO), countrywide and state-specific cyber forms. Also included are American Association of Insurance Services, Inc. (AAIS), state-specific boatowners and yacht forms. The Forms library now includes more than 33,940 sample policy forms.

The ACORD Forms manual has been updated (October 2017) with new and revised forms. The ACORD Forms manual now includes more than 700 forms.


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