Credit insurance comes in a variety of forms. Typical credit insurance coverage include credit life, credit disability, involuntary unemployment, and credit property insurance. Separate overages such as those listed above are often bundled together and marketed as one packaged product. It is possible that you will only find value in...
The American Association of Insurance Services AAIS has revised the Electronic Data Processing EDP section of its Inland Marine Guide in an effort to reflect on and clarify key coverage issues involving electronic property. The new section now includes definitions for “computer virus” and “computer hacking” and explains the coverage...
A great deal of public policy attention focuses on workers without health insurance coverage. Coverage by disability insurance - that is, insurance that replaces workers' wages in the event of a disability - receives far less attention. This paper analyzes trends in rates of coverage by private employer-sponsored disability coverage...
When facing job loss or a reduction in hours, workers need to know their rights and options ahead of time to prevent these situations from meaning an end to their health coverage.There may be several options available to individuals who are losing their health coverage as a result of losing...
LINCOLNSHIRE, Ill. -- Motient Communications Inc. (Pink Sheets:MNCP) announced today that it would begin making changes to the coverage profile of its DataTAC network starting on May 1, 2006. The DataTAC network will continue to provide coverage in all of the metropolitan statistical areas that are currently covered by the...
Life insurance provides payments to your beneficiaries that replaces some or all of your income if you die during the coverage period. These payments make up what is called a death benefit. Most life insurance policies are taken out to replace family income in the event of an untimely death....
This article describes the development of the law on coverage for innocent co- insured and the policy considerations that affect courts interpretations of policies. It also examine how articles and modifiers interact to determine coverage, and how a severability of interests clause may or may not determine whether the insurer...
Increasingly, banks are refusing to lend money to companies that do not have terrorism coverage. However, procuring that coverage is getting damned costly. That is putting terrorism coverage out of reach for many companies. Even if insurers come down on their prices and that is not real likely few mid-sized...
Recent years have witnessed an expansion in the scope of coverage available under employment practices liability insurance EPLI policies. Accompanying this, increased coverage breadth has been the need to select various coverage options available within EPLI policies. This article discusses six key options that any purchaser of EPLI should consider...
Texas, like most states, follows a complaint allegation rule, determining a duty to defend by comparing the allegations of the petition to the terms of the policy. The facts, not the causes of action, determine coverage: if a claim is potentially within coverage, a duty to defend is triggered. The...
The author examines the federal deposit insurance program and traces deposit insurance coverage from its original amount of $2,500 in 1934 through each subsequent increase to the current coverage amount of $100,000. The article is intended to provide a background for the current debate on increasing deposit insurance coverage....
Information about patterns of individual health insurance coverage is limited. Knowledge gaps include the extent to which individual insurance provides transitional versus long-term coverage and participants' insurance status before and after being covered by an individual plan. This document uses data from the 1996-2000 Survey of Income and Program Participation...
D&O Insurance is a complicated product that requires close scrutiny. Directors and officers should actively participate in the purchase and negotiation of a policy, especially as a company approaches insolvency. Directors and officers are best protected by a policy which exclusively provides coverage to them without any coverage for the...
The Board of Directors of each credit union shall review the bond coverage annually in order to ascertain its adequacy in relation to the exposure and to the minimum requirements fixed from time to time by the Commissioner. All surety bonds must provide for faithful-performance-of-duty coverage for any officer or...
The Bush administration has proposed expanding insurance coverage as well as Community Health Centers CHCs to increase access to care for uninsured people. This paper examines the relative effects of insurance coverage and CHC capacity on access to care. Communities that have both high insurance coverage and extensive CHC capacity...
Anyone searching for D&O coverage will find it more expensive and less inclusive than ever before.Keeping coverage intact for extended periods is another struggle. Most other companies has "claims-made" D&O policy. That means that coverage is triggered only when a claim against the insured is filed rather than, when the...
Recent high profile troubles for corporations not only raise interesting coverage questions under D&O policies; they are raising the stakes for obtaining D&O insurance policies for corporations. Premiums are higher, deductibles are higher, and fewer items are covered under many policies being written today. Some insurance companies are no longer...
Collapse coverage, as provided in standard property insurance forms, underwent significant revision in the 1980s and again in the late 1990s. Two events precipitated the reexamination and ultimately the rewording of policy language. They were the application of the doctrine of concurrent causation to property insurance, and a series of...
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