Self-Insurance and Alternative Risk Financing—Archived Article May, 2001 An Overview Summary: Insurance is made up of two components: the…

Sexual Molestation Coverage Under CGL Form? Q As a risk manager for a public entity, I always require that individuals or groups that use my employer's…

Mandatory Arbitration Clauses in Insurance Contracts Stir Controversy October 2004 Don't tell Los Angeles lawyer Joan Cotkin about mandatory arbitration…

Recovery for Loss of Valuable Papers May Be Applied to Computerized System We are working on a total loss claim for a hot tub wholesaler that has over…

Personal Auto Insured on BAP—Who Is an Insured?   Our policyholder is a corporation. There is a fleet of several vehicles insured on it.…

Railroad Protective Policy and Additional Insured Status If a contractor names a railroad as an additional insured under its CGL form, is there a need…

Property Manager Liable for Fire Damage? Our agency insures several property managers of condominium associations. The general liability policies for…

Business Auto Coverage for EmployeesMy client is an employer who owns no autos. However, he does have hired and nonowned auto coverages under the…

Is Betterment Deduction Allowed in Property Damage Claim? Our insured has a business auto policy and a claim arose recently wherein an employee backed…

Our client has several buildings located in different parts of the country. One group of buildings had a flood loss last summer that damaged three…