IRMI Online Talk With Us
Home Categories Personal Lines and Small Business Articles

Personal Lines Articles

Clear All

Latest Articles

Claims Practices

Fraudulent Application Can Haunt the Broker

2004-12-01 | Barry Zalma

Barry Zalma discusses a recent California case holding that if the broker knew the application contained false information, it can be held liable to the insurer for resulting damages.

Personal Lines Claims

Adjusting Residential House Fires

2004-10-09 | George Epps

Adjusting a house fire is a difficult endeavor under the best of circumstances. George Epps looks at fire claims where the coverage is on an actual cash value basis.

Claims Practices

California Supreme Court Rules: Ordinary Negligence Involving Toxic Chemicals Not Pollution

2004-09-01 | Barry Zalma

Barry Zalma examines a recent California Supreme Court ruling which concluded that the CGL pollution exclusion does not exclude ordinary acts of negligence involving toxic chemicals.

Claims Practices

Mold and Fungi Insurance Claims

2004-08-01 | Barry Zalma

"Mold is gold," according to some in the claims industry. Barry Zalma looks at the growth of these claims, the science behind them, the case law, testing, and remediation.

Security, Catastrophe Risk Management

Managing Terrorism Risk

2004-07-24 | Nathan C Gould

In this article, Dr. Nathan Gould explains a three-tiered terrorism risk management plan, including initial and detailed assessments and a variety of risk management techniques.

Claims Practices

Stacking Insurance Limits

2004-07-01 | Barry Zalma

Barry Zalma explains why it is essential to examine the law of the jurisdiction relating to stacking of policy limits and self-insured retentions before making a decision on how to handle a claim.

Personal Lines Claims

Residential Water Claims

2004-07-01 | George Epps

George Epps takes a look at residential water claims—what causes them, how repairs are handled, and why restoration contractors are often necessary.

Time Element

Business Interruption for Denial of Access Revisited

2004-05-01 | Douglas Berry

Doug Berry discusses three recent court cases addressing the denial of access due to a civil authority order and the effect of particular policy wording on business interruption coverage.

Claims Practices

The Ethical Dilemma Caused by Fighting Fraud

2004-04-10 | Barry Zalma

Barry Zalma discusses the obligation to and dangers of reporting suspected fraud.

Personal Risk Management

Managing the Nanny Risk

2004-04-01 | Jack Hungelmann

In this personal risk management column, Jack Hungelmann looks at the exposure created by the hiring of a nanny rather than using a nanny service, and offers possible solutions.

IRMI Online