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Personal Risk Management

Identity Theft: A Personal Risk Management Approach—Part 1

2005-07-09 | Robin K Olson

Identity theft is the fastest growing crime in the United States today, and everyone is a potential victim. In this first of three articles, Robin Olson focuses on the risk itself.

Environmental

Broad Pollution Exclusion Is Ambiguous: Lead Covered by Policy

2005-05-01 | Kent Holland

Kent Holland reviews a New York case involving a pollution exclusion and discusses the Catch-22 situation facing insurers who want to modify their policy language to eliminate ambiguity.

Environmental

Whether Mold Cleanup Costs Are Covered Depends on Causation

2005-04-01 | Kent Holland

"When a covered event causes mold, the mold damage includes the cost of removal." Kent Holland explains this ruling by the New Jersey appellate court on a homeowner dispute.

Environmental

Silica—The Next Environmental Issue

2005-04-01 | Jeff Slivka

Silica exposure can be deadly. Jeff Slivka discusses the mineral, how it kills, the workplace hazard, and the insurance and risk management implications.

Personal Risk Management

Plugging Liability Insurance Gaps with the Personal Umbrella Policy

2005-02-01 | Jack Hungelmann

While most people buy an umbrella policy for its excess coverage, including defense costs, it has far greater value as a risk management tool. Jack Hungelmann explains.

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.

Environmental

Homeowners Policy Unambiguously Excluded Coverage for Mold

2004-10-01 | Kent Holland

Kent Holland examines a recent New Jersey court case ruling that mold was not covered as an ensuing loss due to vandalism.

Environmental

Environmental Liability Buyouts: A Developing Option

2004-08-01 | Jeff Slivka

This recent option for environmentally contaminated sites can provide a needed solution for managing known environmental liability for both buyers and sellers. Jeff Slivka explains.