Articles by Robert M. Horkovich

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.

 
Buying a Company? Take a Look at its Insurance Portfolio

Buying a Company? Take a Look at its Insurance Portfolio

Analysis of a potential acquisition or merger partner’s historic insurance portfolio is an essential, if too often overlooked, aspect of M&A due diligence.

 
Matching Your EPLI to Your Actual Employment Risks

Matching Your EPLI to Your Actual Employment Risks

Companies need to understand the nature of employment practices liability insurance and how it applies to emerging trends in employment litigation.

 
Identifying Insurance Coverage for Riot Damage

Identifying Insurance Coverage for Riot Damage

Policyholders facing losses due to civil unrest should work diligently to identify potentially responsive insurance coverage.

 
Climate Change and its Impact on the Insurance Industry

Climate Change and its Impact on the Insurance Industry

Given that severe weather always has been a driver of property and casualty claims, it is no surprise that the insurance industry is carefully considering the impact of climate change.

 
Insurance Coverage for Risks Associated with the Ebola Outbreak

Insurance Coverage for Risks Associated with the Ebola Outbreak

Prudent measures to mitigate potential financial losses stemming from Ebola or other infectious disease outbreaks should include a review of existing insurance coverage.

 
Overcoming One-Sided Insurance Policy Arbitration Agreements

Overcoming One-Sided Insurance Policy Arbitration Agreements

Insurance policy arbitration clauses often contain conditions that stack the deck against policyholders in a dispute with their insurance companies.

 
Excess Exhaustion

Excess Exhaustion

Insurance companies are having success discouraging settlements by fighting access to excess insurance coverage.

 
Mitigating Business Interruption Exposures from Cyberattacks

Mitigating Business Interruption Exposures from Cyberattacks

Businesses should carefully consider the impact a cyberattack would have on their operations and take steps to make sure that their insurance will respond as desired.

 
Dramatic Changes on the Horizon for CGL Coverage Law

Dramatic Changes on the Horizon for CGL Coverage Law

Recent changes in national case law suggest that a major shift is under way for CGL coverage of property damage to an insured contractor’s own work.