National Underwriter Property & Casualty-July 2014

Issue Gallery ›

  • The Big Rip-Off: Top 5 Strategies of Insurance Fraudsters

    Laura Mazzuca Toops

    Whether it's a deliberately misstated water-damage claim on a homeowners policy or a sophisticated international crime ring for stolen autos, insurance fraud is driven by an amalgam of greed, stealth and exploitation.

  • Fiduciary in Limbo

    Louie Castoria

    Along the continuum of ethical duties to customers, insurance professionals fall somewhere between the extremes of complete stranger and conservator. It is both a sliding scale and a slippery slope, especially when courts struggle with the decision whether to apply the broker's duty as a fiduciary one.

  • Cyber Risk: Dragon at the Gate

    Phil Gusman

    Cyber threats loom large in the minds of carriers and clients alike, driving innovation in coverage solutionsand producer opportunity.

  • Recovery Spurs Negligence Claim

    Barry Zalma, Esq., CFE

    Insurance agents and brokers are in the business of transacting insurance with insurers on behalf of their clients. Unless they take on a fiduciary responsibility, they're only expected to obtain the insurance requested by the prospect. But after a loss, insureds who incur a loss greater than the limits purchased...

  • It's the Technology, Stupid

    Rick Gilman, APR, CMP

    Bill Clinton's 1992 presidential campaign to unseat then-current president George H. W. Bush used the rallying cry of, It's the economy, stupid. Although meant as a focus for the campaign staff, the public became aware of the phrase and has paraphrased it hundreds of times for all sorts of causes.

  • States Take Up Cat Issues

    Jeffrey Brewer

    Several high-profile natural disasterstornadoes in Oklahoma, flooding in the Southeast and Midwest, and wildfires in Coloradokept catastrophe issues on the radar for many lawmakers this session.

  • Pricing Pressures to Spur a Soft Market?

    Phil Gusman

    A traditional soft market is in the cards as alternative capital-driven pricing pressure in the reinsurance market flows to the primary market, a recent Nomura report contends.

  • Freedom Fighters

    Chris Amrhein

    July is time to remind ourselves that your clients freedom means that they can go about their lives without being paralyzed by fear of loss. We should aim to replace uncertainty with certainty, and to replace stress of potential loss with a good night's sleep. In two areas, agents often...

  • Perfect the Customer Life Cycle

    Steve Anderson, CIC

    Insurance agency marketing and sales are being transformed, and customer expectations are driving the change. Yet consumers still want to buy from people they know, like and trust. Independent agents can take advantage and grow their agencies if they think differently about the customer lifecycle through these nine ways

  • The Case for Rethinking Risk Management

    Laurie Champion

    The honorable practice of risk management has been at the center of many events in history. Almost everyone can discuss the major catastrophes of our agethe hurricanes, tsunamis, explosions, wrecks, contaminations, product failures, governance failures and ethical lapseswith some degree of awareness and understanding of risk and risk management.

  • It's a Man's World

    Shawn Moynihan

    The IICF deserves serious credit for elevating the conversation about it, but why is gender diversity even a question anymore?

  • 5 Megatrends That Will Revolutionize Insurance: Will You Be Prepared?

    Laura Mazzuca Toops

    A megatrend is not a prediction but a certainty, an event with global ramifications that is already unfolding and affecting people. And although the more massive of them can be intimidating, they present more opportunities for creative thinkers who can rise to the challenge of solving these critical events.

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