Articles by Robert M. Horkovich

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.

 
Giving Notice: New ACORD Changes for Certificates of Insurance

Giving Notice: New ACORD Changes for Certificates of Insurance

New ACORD changes mean that an additional insureds who relied on certificates of insurance are no longer guaranteed to receive notice of cancellation.

 
The Hidden Value of Historic Insurance Coverage

The Hidden Value of Historic Insurance Coverage

Before a proposed merger or acquisition, companies must consider all historic coverage implications.

 
Preventing Insurers from Wrongfully Denying Storm-Related Claims

Preventing Insurers from Wrongfully Denying Storm-Related Claims

Insurers may delay claims, but policyholders and states are helping ensure that rightful claims get paid quickly after a disaster.

 
Challenging Unfavorable Arbitration Clauses

Challenging Unfavorable Arbitration Clauses

A recent New York court decision highlights how policyholders can challenge unfavorable arbitration clauses in workers comp and other insurance policies.

 
All Sums, All Policies for Long-Tail Claims

All Sums, All Policies for Long-Tail Claims

A recent California Supreme Court decision clarifies the full extent to which policyholders facing long-tail environmental claims can tap into their historic policies to help pay for those costs.

 
The D&O Flashpoints for Libor-Related Insurance Claims

The D&O Flashpoints for Libor-Related Insurance Claims

Fallout from the recent Libor manipulation scandal could have important implications for your D&O coverage.

 
10 Tips for Getting Claims Paid

10 Tips for Getting Claims Paid

Getting claims paid can be difficult. Here are some ways to help the process along.

 
Buying the Right Employment Practices Liability Insurance Policy

Buying the Right Employment Practices Liability Insurance Policy

As the economy struggles to rebound from recession, employment-related lawsuits are rising at an alarming rate.

 
How the Other Coverages Exclusion Can Cost You Millions

How the Other Coverages Exclusion Can Cost You Millions

The “other coverages” exclusion can sometimes lead to expensive claim disputes.

 
Declining Asset Values and Fidelity Insurance Coverage

Declining Asset Values and Fidelity Insurance Coverage

A decline in asset values does not mean fidelity coverage can be denied.

 
Insurance Claims for Supply Chain Aftershocks of the Japanese Earthquake

Insurance Claims for Supply Chain Aftershocks of the Japanese Earthquake

In the aftermath of the disaster in Japan, many U.S. companies will suffer supply chain disruptions.

 
Insurance Claims for Supply Chain Aftershocks of the Japanese Earthquake

Insurance Claims for Supply Chain Aftershocks of the Japanese Earthquake

While the brunt of the suffering from the massive March 11 earthquake and tsunami has been in Japan, the economic and insurance aftershocks will be global, and many U.S. companies will suffer serious economic consequences and supply chain disruptions.

 
Maximizing Recovery On Product Liability Insurance Claims

Maximizing Recovery On Product Liability Insurance Claims

Even if an insurance company resists paying a product liability claim, there are other avenue that policyholders can explore for recovery.

 
Ten Tips for Mitigating Risk in Construction Projects

Ten Tips for Mitigating Risk in Construction Projects

Coordinating insurance and risk management concerns with the need of a construction project can be challenging. Here are some important steps to consider.