Articles by Robert M. Horkovich
With increasingly regularity, insurance companies seem, to be pursuing policyholders to recover retrospective premiums under old workers compensation programs.
Understanding the business advantages of setting up a captive will help risk managers add real business value to their companies.
Companies often overlook existing insurance policies that cover environmental liability claims.
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.
Companies need to understand the nature of employment practices liability insurance and how it applies to emerging trends in employment litigation.
Policyholders facing losses due to civil unrest should work diligently to identify potentially responsive insurance coverage.
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.
Prudent measures to mitigate potential financial losses stemming from Ebola or other infectious disease outbreaks should include a review of existing insurance coverage.
Insurance policy arbitration clauses often contain conditions that stack the deck against policyholders in a dispute with their insurance companies.
Insurance companies are having success discouraging settlements by fighting access to excess insurance coverage.
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.
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.
New ACORD changes mean that an additional insureds who relied on certificates of insurance are no longer guaranteed to receive notice of cancellation.
Before a proposed merger or acquisition, companies must consider all historic coverage implications.
Insurers may delay claims, but policyholders and states are helping ensure that rightful claims get paid quickly after a disaster.