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"CONSULTINGRAMS”


ICA Consultingrams A Weekly Series authored from 1983 through 1995 on developing insurance trends and tidbits, sent to ICA’s Clients and Other Interested Parties. Below is the list of topics by category for your perusal. Should you wish to view an issue, please contact us.

AUTOMOBILE:

  • Fire/Collision Physical Damage
  • Physical Damage Collision - Application of Deductible
  • Physical Damage Loss of Use
  • Excess Automobile Insurance Canadian Statutory Provinces
  • Turning A Negative into a Positive
  • Tractors & Trailers - Automobile Liability
  • Canadian Automobile Insurance Plans
  • Medical Payments Automobile Liability
  • Hired Cars Premium - Automobile Liability
  • Suspending Coverage - Automobile Liability
  • Cross Liability - Automobile Liability
  • Non-Owned Auto Liability
  • Auto Insurance - Corporate
  • Garage Keepers Legal Liability
  • Drive-Other-Car Coverage
  • Automobile Medical Payments
  • Collision Damage Waiver & Other Goblins
  • Automobile Physical Damage Reimbursement Formulae
  • Rented Vehicles - Collision Damage Waiver
  • Personal Automobile Insurance
  • Automobile Medical Payments
  • Automobile Liability Self-Insurance
  • Symbol 1 “Any Auto”
  • Automobile Liability
  • Automobile Drive-Other Cars
  • An Automobile (Painful) Double Dip
  • Underwriting the Risk
  • Litigation Settlement Joint Tortfeasors
  • Automobile Physical Damage Use of Employee Vehicles
  • Automobile Insurance Employer/Employee Relationships
  • Non-Owned Automobile Coverage
  • Automobile Contract Language
  • Individual Automobile Medical Indemnification vs Group Health Care
  • Automobile Extended Non-Ownership Liability

BROKERS:

  • Competitive Bidding-Commission Scales
  • Competitive Bidding Do’s and Don’ts
  • Underwriting Requirements
  • Competitive Bidding - Pre-Underwriting
  • Competitive Bidding - Meet Your Maker
  • Competitive Bidding - Use of Brokers and Agents
  • Brokerage and Competitive Bidding
  • Broker Relationships
  • Competitive Bidding By Brokers
  • We Talk the Talk, But Do We Walk the Walk
  • Battles & Wars
  • Competitive Bidding Rule Violations
  • Loss Editing
  • Salesmanship
  • Policy Proposals
  • Know Thy Broker
  • Safeguarding the Premium Payment
  • Broker Commission Earnings
  • Service Fees
  • Commissions and Bribes
  • Broker Authority Request
  • Broker/Agent Errors and Omissions
  • Pre-Underwriting, Checking Broker Submission in Advance

CARGO:

  • Cargo Coverage - Mechanical Breakdown
  • Force Majeur - Transit
  • Mechanical Breakdown, Transit Coverage
  • Cargo Losses
  • Transit Nomenclature
  • Cargo Back Hauls
  • Cargo Liability Coverage
  • Trailer Liability
  • Transit Valuation
  • Transit Coverage
  • Transportation Exposure

INSURANCE COMPANIES:

  • Insurance Companies
  • Reinsurance Protection
  • Contract Verification
  • Property Underwriting
  • Leeches and Breaches
  • Whose Word is it, Anyway
  • Belated Underwriting Requirements
  • Underwriting Requirements
  • Underwriting Credibility
  • State Guaranty Funds
  • Company Service
  • Loss Reserves
  • Claims Integrity
  • Reserving Practices Reports to an Insured
  • Premium Relationship Insured’s Capital Outlay vs. Premium Charge by Carrier
  • Claims Adjusting

CONTRACT FORMS & PROVISIONS:

  • Retrospective Rating Plans
  • Contract Forms
  • Cancellation Notice - Contract Provisions
  • Cancellation Notice - More Contract Provisions
  • Arbitration Clause
  • Specific; Specific; Specific; - Aggregates; Aggregates; Aggregates!
  • Package Policies
  • Contract Endorsements
  • Loss Reports
  • Premium Tax
  • Retro Plans Interim Adjustments
  • Contingent Cancellation
  • Contract Premium Requirements
  • Subrogation Techniques
  • Cancellation Penalties
  • Contract Rating
  • Cancellation Concepts
  • Loss Adjustments
  • Loss Recoveries
  • Pollution Liability and other “Intended Acts”
  • The Piddling Pool
  • Disputes with Carriers
  • Loss Denials
  • L or O - FM Property Terminology-Law or Ordinance
  • “All Risk” Perils
  • Loss Runs
  • Proof of Loss Timing
  • Melded Forms, Melded Rates
  • Understanding Loss Runs
  • Policy Limits
  • Professional Liability vs. General Liability Conditions
  • Broad Name Clause Provision
  • Hold Harmless Agreement
  • Indemnity vs. Pay-On-Behalf
  • Loss Payee vs. Mortgage Clause
  • Hold Harmless Agreements
  • Retrospective Rating Plans - When Is Money Exchanged
  • Named Insureds and Internal Revenue Service
  • Cancellation Clause - Nonpayment of Premium
  • Arbitration in the Insurance Process
  • Property Forms - Glass Coverage
  • Contract Coverage Renewals
  • “Loss Of...”.
  • Subrogation Practice
  • Retro Premium Adjustments
  • Retrospective Rating
  • Proof of Loss
  • Agency Profit Sharing Contracts
  • Contract Policy Term & Aggregate Limits of Liability
  • Contract Cancellation/NonRenewal
  • Reinsured Losses
  • Contract Features
  • Contract Forms - Ambiguity & Litigation
  • Insurance Contracts
  • Garage Liability - Garage Keepers Legal Liability
  • Debris Removal - New Uses for Old Coverage

DIRECTORS & OFFICERS LIABILITY:

  • D&O Errors & Omissions
  • Directors & Officers Coverage Denial
  • D&O Concepts
  • D&O E&O LBO
  • Directors & Officers E&O Yet Another Coverage Denial
  • FIDELITY:
  • Fidelity Losses
  • DOC vs. DDD Coverage: Burglary & Infidelity
  • ERISA & Fidelity Crime Coverage
  • ERISA - Fidelity Bonds
  • Crime (Fidelity) Loss Adjustment
  • Personal Funds of an Executive Officer
  • Acquisitions and Crime Coverages
  • Fidelity and Forgery Bonds
  • Fidelity Loss Amount Proofs
  • Crime Coverage & The Employee’s Money
  • A Tough Query From An ICA Associate
  • Differences-of-Conditions (All Risk Burglary vs. Fidelity)
  • Fidelity Redefined
  • Employee Infidelity - Stealing Property of Others
  • Fidelity Loss and Procedures Thereafter
  • Employee Dishonesty: Turning-the-Other-Cheek
  • Employee Fidelity Bonding
  • Employee Dishonesty Liens for Restitution
  • Immunity to Subrogation - Advance Releases
  • Employee Crime Confession Voluntary Statement
  • Fidelity Claims and Unholy Employees
  • Infidelity Loss
  • Property Loss Protection

GENERAL LIABILITY:

  • General Liability Certificates
  • Vendor Liability Forms
  • Pollution Exclusion - Comprehensive General Liability
  • Per Claim, Per Occurrence Liability Deductible
  • General Liability & Discontinued Operations
  • Defense Costs - Comprehensive General Liability
  • Liability for Intangible Loss
  • Sale of Property, Liability Continuation
  • Employee Benefits Errors & Omissions
  • Products Liability
  • Self Administration of General Liability Deductibles
  • Liability Underwriting
  • Joint Tortfeasors
  • Liability Layered Limits
  • More Strict Liability
  • Liability - Punitive Damages
  • Products Liability
  • Liability Operations vs. Products
  • Advertiser’s Liability
  • Liability - Lease Agreements
  • Special Liability - Pollution
  • Pull Advertising
  • Personal Injury Actions
  • Liability “Occurrence” Redefined
  • Public Liability - The Right to Settle Claims
  • Public Liability - Defense Costs
  • Liability - Notice of Loss
  • Liability - Contractual Limitations
  • Liability “Accident” Defined
  • Contractors & Liability
  • Liability and Sports Sponsorship
  • The EBL Endorsement in CGL
  • Liability and Contractor Problems
  • Incidental Malpractice in CGL
  • Liability - Assisting in Claims Settlement
  • Fidelity and the Liability Connection
  • Nuclear Liability
  • Loss Run Reporting to Competing Liability Carriers
  • Real Estate Errors & Omissions
  • Liability and the Long Tail
  • Professional Liability in the Commercial GL Form
  • Personal Injury Multiplicity of Suit Counts
  • Personal Injury Actions - Defense of Suits
  • Contractual Liability
  • Admission of Liability
  • Liability : When to Deny/Defend/Settle
  • Liability: Notice to the Carrier
  • New York City and Water Damage Legal Liability
  • Liability Insurance, Claims Made Defined
  • Liability - Punitive Damages

GROUP INSURANCE:

  • Group Administered Insurance Specific Stop Loss Feature
  • Dental Insurance
  • Group Cost & Containment
  • Group Nomenclature
  • Open Enrollment - Blue Cross
  • Group Hospitalization Carrier
  • Health Care Premium Phenomenon
  • Group Retention Factors
  • Group Insurance - Cost Containment Concepts
  • Sickness and Wellness
  • Group Insurance and “Outsiders”
  • Sick Leave Days
  • The True Cost of Administered Group Insurance

HOMEOWNERS:

  • Homeowners Insurance
  • Comprehensive Personal Liability-Homeowners Policy
  • Woes of the Waterbed
  • Personal Liability

LEASES:

  • Leases and Insurance
  • Lease Piccadilloes
  • Lease Terminology
  • Leasehold Insurance
  • Checklist of Critical Issues for a Tenant
  • Lease Requirements
  • Special Contract Agreements Landlord & Tenant
  • Leases and Boiler Insurance Requirements
  • Liability-Lessors & Lessee
  • Landlord and Tenant Liability
  • Lessee Liability
  • Hidden Factors in a Net Lease
  • Concessionaires, Lessees, etc.
  • Leases & Immunity

LIFE INSURANCE:

  • Assignment of Ownership - Accidental Death
  • Life Insurance Transfers
  • Personal Life Planning
  • Life Insurance & Income Taxes
  • Wills and Life Insurance
  • Accidental Death
  • Life Insurance - Non Decedent
  • Accident Death Ownership

LONG TERM DISABILITY:

  • Long Term Disability - ADEA
  • Permanent and Total Disability Income
  • Total Disability Definition, Long Term Disability
  • Self-Insuring - Long Term Disability
  • Selected LTD & Employer Long Term Disability
  • Other Qualified Employer Plans Integrated with Long Term Disability
  • Average Earning - Long Terms Disability
  • Insuring an Owner - Long Term Disability
  • Pre-Existing Conditions - Long Term Disability
  • Changing Carriers
  • LTD and Pension or Profit Sharing
  • Long Term Disability vs. Government

RISK MANAGEMENT MISCELLANEOUS:

  • Acquisitions
  • Risk Management Corollary to Murphy’s Law: If Nothing Can Go Wrong, Something Will
  • Miscellaneous Discovery Prior Acts
  • FDIC Coverage
  • Pension Plans and General Liability
  • 501(c)9 and Employee Benefit Liability
  • Deferred Compensation Plans
  • Stockpiling Insurance
  • Consultant Responsibility
  • Incentive Planning
  • Power Phrases
  • The Uninsurable
  • Use of Public Adjustors
  • Insurance Ramifications of Corporate Activities
  • Telephone Consulting Advice
  • Statute of Limitations
  • Public Disclosures
  • “Being Fair”
  • Personal Pension Plans
  • Credit Insurance
  • Public Adjustors
  • Annual Vacation Shutdown
  • Tort Reform
  • High Piling of Stock
  • Below Market Loans
  • Use of Outside Accountants; Construction Engineers; Appraisal in Loss Adjustment
  • Thirty Eight Office Hazards
  • Record Retention
  • Obscure E&O Needs
  • Using an ESOP for Business Continuity
  • A Consultant is a Consultant is a Consultant is a....
  • Title Insurance
  • Don’t Say Don’t
  • Notice of Loss - Timing
  • Name Dropping
  • Reserves for Self-Insurance First Party Losses
  • Loss Reporting - Competitive Carriers and Timing
  • Appraisals
  • Insurance As a Profit Center
  • Bonding a Servicing Firm
  • Use of Public Adjusters
  • Proof-of-Loss
  • Statute of Limitations - Premium Payments
  • Non-Owned Aircraft Liability
  • Rules of Thumb: A Collection of Simple Truisms
  • National Flood Coverage - Treacherous Tides
  • “Insurance is an Honorable Undertaking”
  • Loss Adjustment
  • Insurance Retainer Consulting Service
  • Claim Judgment Entries
  • Erroneous Parting with Property
  • Statutory Short-Term Disability Income
  • Claims Reporting/Handling


OCEAN CARGO:

  • Ocean Cargo Coveages
  • Ocean Marine Special Perils
  • Ocean Marine Forms - Rejection Insurance
  • Ocean Marine Loss Reimbursement

PERSONAL UMBRELLA:

  • Personal Umbrella & Directors and Officers
  • Ad-Hoc Committee Personal Umbrella Directors & Officers Errors & Omissions
  • Family Directors & Officers
  • Personal Umbrellas

PROPERTY FORMS:

  • Property - Deductibles
  • Property - Waiver of Subrogation
  • Property - Adjustment Provision
  • The DICC Syndrome
  • Concurrent Damage Business Interruption
  • Business Interruption - Extended Benefit Form
  • Non-Ownership Business Interruption Problems
  • Demolition & Increased Cost of Construction - Property Form
  • Replacement Cost Cover vs. Depreciation Insurance
  • “Idle Mill” Concepts
  • Property Valuation Reports
  • Tenant Changes - Property Damage
  • Refinancing Loss Coverage Property Insurance
  • Tax Consequences - Property Insurance
  • Deductibles & Property Insurance
  • Payroll Continuation - Business Interruption
  • Depreciation - Property Damage
  • Non-HPR FM Property Insurance
  • Service Interruption & Spoilage Loss - Boiler & Machinery
  • “Destruct” vs. “Non-Destruct” Property Loss Definition
  • Insuring Definition - Valuable Papers
  • Mailing Lists - Valuable Papers
  • Accounts Receivable
  • Property Definitions
  • Property Coverages
  • Property Loss & Salvage Recovery
  • Improvements & Betterments
  • Control of Damaged Merchandise
  • Replacement & New Loss Adjustment
  • Property Loss Subrogation Reimbursement
  • Umbrella Drop Down and Maintenance of Underlying Cover
  • Demolition and Increased Cost of Construction
  • Perils Insured
  • Boiler & Machinery
  • Transit Loss Valuation
  • Boiler & Machinery Coverage
  • Prospective Earnings
  • New Use for the Appraisal Clause
  • Fire Insurance Policies
  • Property Selling Price Clause and Business Interruption
  • Property Coverage Insuring Definition
  • Fire “Increase in Hazard”
  • Property Valuation Clause
  • Vacancy or Unoccupancy in the Property Pollicy
  • Replacement Cost - Building
  • Co-Insurance in Property Policies
  • Contingent Business Interruption
  • Business Interruption Retailers Form
  • Business Interruption - Extended Form
  • Neon Sign Floater
  • Automatic Sprinkler Systems
  • Property Premiums/Losses - Common Area Chargebacks
  • Replacement Coverages in Property Insurance
  • Interim Payments - Valued U&O Forms
  • Valuing Properties in Blanket Policies
  • Property Loss - Reimbursement for Improvements & Betterments
  • Property Values - Blanket Cover
  • Service Interruption, Business Interruption
  • Property Insurance - Codes - Old Law, New Law
  • Your Property - While in the Care, Custody or Control of Others
  • Property Loss - Interim Payments
  • Property in Storage “Danger of Loss”
  • Property Policy Warranty Condition

UMBRELLA:

  • Umbrella Policies - First Dollar Defense - First Dollar Coverage
  • Umbrella Drop Down
  • Umbrella Coverages
  • Employee Benefit Liability and Umbrella Coverage
  • Umbrella Underlying Schedule
  • Umbrella Schedule A
  • Umbrella Drop Down Theories

WORKERS COMPENSATION:

  • Canadian Workers’ Compensation
  • Workers Compensation Line Reserves
  • Workers Compensation Reports
  • Medical Payments - Workers Compensation
  • Plant Closures & Workers Compensation
  • Workers Compensation Weekly Lottery
  • Disability Insurance
  • Compensation Malingerism and Fake Claims
  • Workers Compensation Safety Bingo
  • State Fund - Special Group - Compensation Insurance
  • Additional Insureds
  • Subrogation in Workers Compensation
  • Workers Compensation and a Leveraged Buy Out
  • Workers Compensation and the Sole Proprietor
  • Workers Compensation Rating Structure
  • Workers Compensation Repatriation Rider
  • The Ubiquitous ERM-14 - Workers Compensation
  • Workers Compensation Premium Rating
  • Source of Employment - Workers Compensation
  • Employers Liability and General Liability
  • Workers Compensation Modification Reports
  • Hiring Minors is a Major Problem
  • “Line Reserving”
  • Workers Compensation - ALL (means ALL) States
  • Workers Compensation - Hospital Charges
  • Second Injury Fund
  • Workers Compensation Techniques
  • Dividends on Workers Compensation
  • Workers Compensation Classifications
  • Retro Plans - How Loss Sensitive Is It?
  • Workers Compensation Employment Source
  • Workers Compensation - Completing Accident Notice Forms
  • Workers Compensation Subrogation Recovery
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