THIS IS the month in which we observe the Fourth of July, a day to celebrate the triumph of throwing off the shackles of the oppressor and the joy of endangering life and limb (to say nothing of setting the backyard aflame) with small explosive devices.
In the spirit of the occasion, let me risk career and reputation by once again proclaiming that now is the time to declare our own independence. Let us claim the right to be free from those policy provisions or industry approaches that may once have been well-intentioned but have long since become shackles of frustration in our daily insurance lives.
Mandatory disclaimer: Due to the inescapable fact that the editor wishes to include more than this article in this month's issue, we can discuss at length only two of the plethora of possibilities. They are meant to represent all the issues we face and are not claimed to be superior to other possibilities. Also, where actual policy language, provisions or underwriting mentality conflict with the suggestions presented in this article, even where those suggestions are clearly superior, the actual provisions govern–no matter how ridiculous.
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