Coverage & Policy Issues

Many think that workers compensation fraud is running rampant, and it may be in some areas. We see the worst cases in presentations or in media reports. However, the media and conference speakers do not talk about the many parties involved in workers compensation who act honestly and ethically within...

America's most notorious insurance schemers have earned leadership of their moral wasteland by induction into the Insurance Fraud Hall of Shame.

In the United States, it has been a relatively quiet year for catastrophes. There were wildfires along the West Coast earlier in the year; the earthquake in Napa Valley, Calif., in August; and flooding in the Midwest, Northeast and Mid-Atlantic. The recent Polar Vortex that blanketed much of the country...

Notification of a claim or commencement of a suit requires considering what must be done, now. But too much focus on the present without considering a claim's entire potential lifespan is shortsighted. The possibility of an appeal should influence a claim handler's decisions at each step of a claim. Defense...

As we look back on 2014 and forward to 2015, insurers should continue to pay attention to the effect of wage and hour employment claims on Employment Practices Liability Insurance (EPLI) coverage. Wage and hour claims brought under the Fair Labor Standards Act (FLSA) and state law equivalents continued to...

Carriers never seem to be comfortable with the level of catastrophe claimseither there are way too many or far too few. This Goldilocks mentality makes me wonder what level of disaster losses would be just right for the industrys bottom line.

The winter of 2013-14 ranked as one of the costliest on record for insurers. Here's why this next one could be even worse.

Every profession has a few secrets hidden in a special place. Where do adjusters keep theirs?