Articles by Robert M. Horkovich

The Risk of Overlooking Additional Insured Coverage

The Risk of Overlooking Additional Insured Coverage

Additional insured coverage can be an effective way to strategically manage risk, but failing to closely analyze these provisions can be costly.

 
Risk Transfer Considerations in the Wake of a Construction Accident

Risk Transfer Considerations in the Wake of a Construction Accident

Those involved in construction should plan carefully not only how to minimize the risks of accidents but how to maximize their insurance and indemnification recoveries should an accident happen.

 
Courts Address All Sums Coverage Allocation Debate

Courts Address All Sums Coverage Allocation Debate

Recent court rulings have affirmed the applicability of “all sums” coverage allocation in long-tail claims cases.

 
Finding Coverage for GDPR Liabilities

Finding Coverage for GDPR Liabilities

Companies need to consider the application of liability insurance to cover certain losses and liabilities related to the EU’s GDPR.

 
Employment Practices Liability Insurance and the #MeToo Movement

Employment Practices Liability Insurance and the #MeToo Movement

Although there are many hurdles to securing coverage for sexual harassment and other employee claims, insurance policies are a critical source for financial support in such cases.

 
Getting a Handle on Handheld Risks

Getting a Handle on Handheld Risks

The explosion of mobile and social media risks has had significant implications for insurance coverage.

 
The Environmental Impact of Hurricanes

The Environmental Impact of Hurricanes

Managing the risks associated with severe weather events, including the immediate and latent pollution unleashed by natural disasters, is a huge challenge.

 
Timing is Everything In Crime Insurance Claims

Timing is Everything In Crime Insurance Claims

Even the most carefully crafted crime coverage may have no value if policyholders wait until it is too late to take action against dishonest employees or dissembling insurance companies.

 
Three Issues for Captives When Arbitrating Reinsurance Disputes

Three Issues for Captives When Arbitrating Reinsurance Disputes

Captives involved in reinsurance disputes should take proactive measures both to forestall disputes and to ensure that they take place on a level playing field.

 
10 Insurance Tips to Help Manage Construction Risk

10 Insurance Tips to Help Manage Construction Risk

Tips for obtaining the proper insurance coverage to protect against construction risks.

 
Understanding the Benefits and Risks of Blockchain

Understanding the Benefits and Risks of Blockchain

Blockchain presents some clear opportunities, especially for insurance, but as with any new technology, it is not without its risks.

 
Challenging Arbitration of Disputes Involving Workers Compensation Insurance Programs

Challenging Arbitration of Disputes Involving Workers Compensation Insurance Programs

Policyholders should look closely at the dispute resolution provisions presented in their workers compensation coverage plans.

 
Navigating Workers Compensation Insurance Program Disputes

Navigating Workers Compensation Insurance Program Disputes

With increasingly regularity, insurance companies seem, to be pursuing policyholders to recover retrospective premiums under old workers compensation programs.

 
What Can a Captive Do for You?

What Can a Captive Do for You?

Understanding the business advantages of setting up a captive will help risk managers add real business value to their companies.

 
Tapping Into Environmental Coverage

Tapping Into Environmental Coverage

Companies often overlook existing insurance policies that cover environmental liability claims.