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  • This Issue
    • Efficient Real-Time Usage Up Among Independent Agents
    • Creativity at Rose and Kiernan
    • Professional Liability and Personal Injury Liability Coverage
    • To Stop A Thief…
    • Staffing, Competing
    • Sztuk to Lead Coalition vs Insurance Fraud
    • Insurance Arbitration: Debiasing the Biased
    • When the Work Involves Filling a Trench, No Guards Around Trench are Required; 240(1) Suit Dismissed
  • Columns
    • Courtside
    • Crackdown
      • Crackdown
    • Exposures & Coverages
    • Face to Face
      • "I Knew Irving Berlin..."
    • Foreword
    • Insurance News Now
      • Independent Insurance Agents & Brokers of New York and Council of Insurance Brokers of Greater New York File Legal Action to Stop Unfair Producer Compensation Transparency Regulation
      • At Least One-Third of Renters Uninsured
      • Drywall Causing Insurance Pain
      • Fairfax and Zenith National Insurance to Merge
      • Monkey Stress Claim Denied
      • New York State Insurance Department: Investigators Wanted
      • P/C Insights: Automation
      • Texting and Talking While Driving: A National Concern
    • On the Level
  • Topics
    • Auto Insurance
    • Crackdown (Fraud)
    • DBL/Disability
    • Excess/Surplus
    • Legal Issues
    • Life & Health
    • Professional Liability
    • Workers Compensation
  • Past Issues
    • 2010
      • December 14, 2010
        • LICONY Sets 2011 Affirmative Legislative Agenda
        • Not so Swift.
        • Wishes Can Come True!
        • Disclose This!
        • Q&A with Thomas E.Workman, President & CEO, Life Insurance Council of New York
        • One for the Home Team
      • November 19, 2010
        • Annual Luncheon Fetes Warren Heck, Chairman & CEO, GNY Companies, Maurice Hank Greenberg, is featured speaker as 500 attend event at Ciprianis
        • Vindication, In a Way
        • Additional Insured Status When Required By Contract, Late Notice, and Designated Locations
        • Record Retention in Electronic Media
        • Stop, Drop, and Roll
        • Much ado - now what to do?
        • Bad Faith Claim Against Insurer Dismissed on Summary Judgment; Doubts as to Extent of Injury Existed
      • October 29, 2010
        • FOR THE RECORD: An In-Depth Look at the Abetta Boiler Decision and E&O Exposure for Retai
        • A Second Look
        • Top 5 Winning Strategies for Insurance Marketers
        • Two Year Suit Limitation Period in Property Insurance Policy is Not Waived or Estopped Just Because Insurer Said Not To Worry About It
        • American Ingenuity Comes Through Again!
        • "Safe Text
      • October 18, 2010
        • Demotechs New York State Specialists Ratings
        • The Killer is
        • Aetna Fined $850,000 For Health Insurance Violations
        • What We Can Learn from a Canadian Physician About ObamaCare
        • Failure to name P.C.s Individual Owners Prior to Running of Statute is Fatal; Relation-Back Doctrine Does Not Save Claims
        • Start With the Right People if You Want the Right Results
        • Think Insurance, Before Tossing Those Cookies
        • Masks Have Long Been a Part of Daily Life.
      • September 30, 2010
        • NYSID Acts to Keep Coastal Insurance Affordable, Available
        • ASSOCIATIONS RESPOND TO NYSID
        • A New Yawka Maybe?
        • Dedicated Agents Contribute Significantly to Agency Value
        • Demetriou General Agency, Inc. Acquires Danross Agency, Inc.
        • Hot Wheels: 2000 Honda Civic Most Frequently Stolen Car in New York
        • Coverage - Out of State Accidents
        • Night at the Museum
      • September 17, 2010
        • Game Clock is Ticking
        • Does Extra Expense Cover Were Open for Business ads after a loss?
        • Decision Augurs Broad Application of the Economic Loss Doctrine Broadly
        • Attorney General Cuomo Arrests Eight Suspects in No-Fault Insurance Fraud Scheme
        • Service Fee Agreements
        • Yes, unless its excluded.
        • A good time to communicate
        • Enslavement by Health Insurance (Op-ed offering)
        • Bus Backing Up to Avoid Truck in front that was Backing Up, is Not an Emergency; Bus Liable to Car it Backed Into!
      • August 31, 2010
        • Court Decision: Retail Risk Management and Other Special Duties of New York Insurance Brokers
        • Warren Heck, Hank Greenberg Headline IFNY Free Enterprise Luncheon
        • On DODD-FRANK Reforms: Q&A with Howard Mills
        • William Wallach, Industry Champion, Dies at 89
        • Real-Time Tech Reduces Congestion in Lower Manhattan
        • Queens Contractor Caught in Alleged Comp. Fraud
        • Ruchman The Importance of Adequate Document Review
        • Golfella
        • Internet Postings Alone Do Not Constitute "Doing Business" in New York for Out of State Resident
      • July 26, 2010
        • The spillover: How the mess in the Gulf will wash up onto insurers
        • Into the Mix.
        • As The Legislature Breaks, Insurers Uncertain of Achieving any Needed Changes
        • Circular 20: Good, Bad, or Ugly? Why should a client-focused industry need regulations to require good customer service?
        • Auto Insurers Fail to Meet Non- Cooperation Disclaimer Standard
        • On Arks and Lifeboats
        • Save My Fire Station, Save My House
      • June 22, 2010
        • PIANJ-NY Joint Conference Trumps Records as estimated 2,000 Attend
        • E Pluribus
        • Prior Approval for Health Insurance Rates is a Reality in New York Again!
        • Investigators Hip to Felon; She Repays $34,000
        • Statute of Limitations - Rental Cars
        • Battle Fronts: Fighting Producer Compensation Disclosure on All Fronts
        • Everyone is a Winner
      • June 7, 2010
        • Solving the BI Coinsurance Problem
        • On the Boardwalk
        • PIANY Drafted Primary Disclosure Language Receives Formal Approval of NYSID
        • NYSIF: Manhattan Temp Agency Owner Hit with $25M Comp Fraud
        • NICB REPORT: Buffalo Niagara Falls Metro Area Has Highest Vehicle Theft Rate In State, Ithaca, Lowest
        • Lessons to be learned about hurricane season
        • I Got a Rock
        • Defending Insured Without a Reservation of Rights Leads to Coverage by Estoppel
      • May 24, 2010
        • The Plot Thickens: Producer Compensation Disclosure
        • Kaplan Meier Curve
        • Insurance Legislation Starting To Move In Albany
        • Second Circuit Qualifies Scope of Right to Select Independent Counsel
        • Use of Race-Modified Car Comes Under ExclusionEven Though .
        • Insurance Producers Can Refuse to Accept Cash Premium Payments Even if an Insured May Be Adversely Impacted
        • Does My Butt Look Fat in This Policy?
        • The Future of Your Agency Depends Upon
      • May 5, 2010
        • DETERMINED
        • A Great Business
        • Assembly Insurance Chair Puts New York in the Game on Credit Default Swaps
        • It is Balloon!
        • Appraisal--New York Legislature Closes a Gap
        • A Promising Future
        • Despite Insurers Lack of Founded Belief in Fraudulent Incorporation, EUONo-Show Results in Suit Dismissal
      • April 19, 2010
        • More Than 300 Hear Utica Firsts Richard Zick Address Soft Market and Compensation Disclosure During PIANY Annual LI Rap
        • First Cardinal Wins Landmark Lawsuit After Two Year Litigation
        • 2009 P/C Results Show Strong But Incomplete Recovery
        • The Standard Fire PolicyA Phoenix Arising From The Ashes?
        • "This is dog food, Mr. Kramden!
        • Freedom of Information Requests
        • Cant See the Forecast for the Trees
      • April 5, 2010
        • Joseph DioGuardi Banks Bid for New Yorks Senate Seat on Financial Strengths, Experience
        • The Candidates
        • New York Insurers May Be Hit Again Assembly Proposes Merger of Banking and Insurance Departments
        • Questions and Answers About Disaster
        • Can you say Irony?
        • Spring is here, finalmente!
        • Trusting Plaintiffs Attorney to Vacate a Default Proves to be a Costly Mistake
      • March 22, 2010
        • Interview: Assembly Chair Morelle
        • Ad majorem
        • PIANY Sets Complementary Strategy to Countenance Producer Disclosure Regulation
        • Post-Termination Commissions and Renewals: Who Has to Pay What to Whom?
        • New York Accident Involving NJ Car Gets PIP Applying NJ Rules
        • Getting Them in the Door - Yours!!
      • March 8, 2010
        • RESET The Once and future New York Insurance Stock Exchange
        • NYSIF Announces 154 Arrests, $16.6M Anti-Fraud Results
        • Youre a WHAT?
        • Once again, Contingent Commissions are Getting a Lot of Ink
        • NYSID Nails Six Medical Providers; State reimbursed $2.4 million
        • More Domotor Damage: Blanket Denial Means Claimant Can Sue Without Submitting Bills First
      • February 22, 2010
        • IIABNY Votes to Hit Department with Lawsuit Targeting Producer Compensation Regulation
        • Now were really mad
        • Dept. Promulgates Producer Compensation Disclosure Reg.
        • Now for the PR Challenge of Your Career
        • Staged Accidents Fuel No-Fault Fraud Dramatically
        • Defamation Claim Against Insurer Based on Conclusion That Accident Was Staged, Fails
      • February 8, 2010
        • Of Heroes and a Coward
        • Proposed Budget Slams Insurers Again
        • NYIA: Fraudsters Drive Need for No-Fault Reform
        • Buy local
        • Medical Malpractice Reform: Matters of Life & Dea(r)th for Docs in Med Mal Debate
        • Once Again, Insurer is Criticized for Claims Practices: It "Borders on Impropriety" to Selectively Cite Old, Obsolete Arb Decisions
        • Q&A TODAY with Bill Bonds, President, Empire Safety Council
      • January 25, 2010
        • A Good Exchange
        • Around New York
        • Advocacy That Works.
        • Kingstone Scores with Reiersen, Goldstein Play Book
        • Potpourri of Interesting Issues to Start 2010
      • January 11, 2010
        • Simply Revolutionary
        • Foreword: Into the Teens
        • Q&A with Richard Zick
        • The Winds of Change in 2010
        • Pre-Claim IME No Show Supports Denial, Even if for a Different Specialty than Bill; Only One Pre-and Post- Claim No Shows Required for Denial
        • Steep Fraud Bill for Construction Exec.
    • 2009
      • December 14, 2009
        • New York Producers Groups Mount Last Ditch Battle Opposing Producers Compensation Disclosure Regulation
        • A Holiday Wish List
        • Ex-Insurance Agent in Queens Arrested for Embezzling Funds
        • New York Department Floats a Discussion Draft of Reg. 68
        • B.I. Claimant has no Claim against Insurer for Failing to Notify Her of Right to Buy Spousal Coverage
        • Employee Theft Strikes Home
      • November 30, 2009
        • Capital: Finding the way forward
        • Are You Kidding?
        • On the Level
        • At last! Comprehensive Life Settlement Legislation in New York
        • Q&A TODAY with Doug Head, L.I.S.A. President
        • If Lease Requires Landlord to be Additional Insured, CGL Policy Automatically Makes It So
      • October 26, 2009
        • Wish List: REG. 68 What the Industry Wants.
        • Awkward Moment
        • Identity Theft can Steal from a Companys Bottom Line
        • QB Jim Kelly and the Fine Print
        • Thomas E. Workman is the recipient of the Round Table of New Yorks 2009 Lifetime Achievement Award.
        • Case Marked off Calendar for More Than One Year Requires Reasonable Excuse and Explanation of Merits
        • Fiduciary Liability: An Overlooked Exposure
        • NYSIF Announces String of Arrests with $600K Price Tag
      • October 12, 2009
        • MedSave
        • Foreword
        • Wrynn Takes Control of NYSID
        • Professional Agents Help Clients Navigate the Health Care Process
        • Central NY Contractor Hit with Workers Comp Fraud Charges
        • Common Stairway of Commercial Building is included in additional Insureds Liability Coverage
      • September 28, 2009
        • Cover Story
        • Foreword
        • On the Level
        • Crackdown
        • Around New York
        • Courtside
      • September 14, 2009
        • Cover Story
        • Right Distance
        • Salt
        • Using False Address on Insurance Application Voids Right to Collect No-Fault Benefits
        • Honda Civic is Burglar's Choice
        • Imagemaker C. Clancy
      • August 17, 2009
        • Brooks Brief Term Marked By Active Agenda
        • Electronic Data Liability
        • Keeping Pace
        • MSO Sets Growth as Agents, Insurers Seek Marketing Advantages
        • The Real Heart of the STOLI Scandal
        • Wrynn, In.
      • July 13, 2009
        • Darwin at 200: a valuable context
        • On Practicing and Preaching
        • Specialized RV Coverages and Considerations
        • Speed Sells; Some News from Happy Dale Sanitarium; and from Atlantic City
        • Stealth Rebating Perils Deepen
        • Struggle for Control of the State Senate May Work to Prevent Needed Insurance Legislation
        • Revisting a Renewed Revitalized DCAP
      • June 15, 2009
        • Cover Story
        • Foreword
        • ON THE LEVEL
        • EXPOSURES AND COVERAGES
        • WORKERS COMP FOCUS
        • Crackdown
      • June 1, 2009
        • Focus: New Yorks Liquidation Bureau and its Processes
        • Garden Variety
        • Interview: 9 Questions for Jim Wrynn
        • Uncovering Stealth Rebates
      • May 18, 2009
        • Foreword
        • Around New York
        • In The Associations
        • Face To Face
        • Cover
        • On The Level
        • New Yorks Liquidation Bureau and its Processes - A Critical Analysis Part I of II
      • May 4, 2009
        • Face to Face
        • Around NY
        • Cover
        • Crack Down
        • On the Level
        • Courtside
      • April 20, 2009
        • CANCELLATION FOR NON PAYMENT: New Developments Affect Agents and Brokers
        • Insuring Computer Systems
        • Setting Responsibility
        • Some Optimism
        • The Budget is Done The Insurance Industry Struggles to Adapt
      • April 6, 2009
        • Awake
        • Department Reissues Life Settlement Bill
        • Downtrend: Lead us not into temptation
        • NYSID Offers Anti-rebating and Inducement Guidance for Brokers and Agents
        • Shock and Awe: Schools Internet Liability
      • March 23, 2009
        • Dinallo Defends State Regulation To Federal Officials
        • From the Ashes
        • High Marx
        • Into the Equation
      • January 26, 2009
        • FRAUD: Does the Right Eye Know What the Left Eye is Doing?
        • Hearing Aids
        • Madoff's Jenga-like Con-struct Falls Hard On Insurers Jenga
        • One Good Bail Out Deserves Another
        • The "Interesting" Curse
    • November 14, 2011
      • Insurace Advocate’s AGENCY of the YEAR: Sterling & Sterling
      • Fine Lines
      • One Year Later and Still A NIMBY?
      • Is Your Producers Agreeme nt Worthless?
      • Acord 25 Certificate of Liability Insurance has Changed-For Better or Worse?
      • Court of Appeals Expands Scope of Scaffold Law to Objects That Topple Over
    • October 10, 2011
      • Tumbling: ISO/PCI Results for First Half 2011
      • Amazing
      • EZLynx Told Me To Go Take a Hike…
      • Get On the Bus or Be Left Behind
      • Additional Insured and Hold Harmless Agreements Pose Problems
      • Doctor Liable for Patient’s Jewelry Handed Over Before Scan and Then Lost
    • September 26, 2011
      • CONSOLIDATION : OCTOBER 3RD
      • A Date with DFS
      • Reflections on the Season
      • The Aftermath
      • Property Insurer's Issuance of Check to Insured May Have Waived Proof of Loss Requirement
    • September 12, 2011
      • “Your Cheque is in the…Morgue!”
      • Capital Event
      • What’s Next…Locusts?
      • What’s Lacking.
      • Bodily Injury Liability Insurance: It Can Be an Emotional Issue
      • Customer Shot Outside Diner; Diner Not Liable
      • No Fault Flux: Is Central General Hospital v. Chubb Still Good Law?
    • August 15, 2011
      • Whistle Blowers
      • Gentlemen and Scholars.
      • Changes in the Works for WC Experience Rating Plan; Rescinding a Policy for Unintentional Error in Application; and Reports from the Real World
      • Time to Reflect
      • You Know You’ve Had Too Much Shark Week When…
      • Volunteering and the Verrazano Bridge
      • Common Law Indemnification is not Triggered by Supervisory Duties - Actual Supervision is Required, Holds Court of Appeal
    • July 4, 2011
      • What’s on the minds of the analysts?
      • InVest Ponies Up Dollars: It’s A People Business.
      • No, YOU Stick ‘Em Up!
      • Industry Events and Networking; A "Shore" Thing!
      • Don’t Deduct Depreciation When Calculating Actual Cash Value (ACV) for a Partial Loss?
      • Cop Run Down by Fleeing Suspect is Entitled to UMArbitration
    • May 30, 2011
      • Unanimous Confirmation: LAWSKY TO HEAD NEWLY CONSOLIDATED DEPARTMENT OF FINANCIAL SERVICES
      • Honors, Letters, Appeals
      • Full circle
      • Obligation to Report Arrests
      • Stick ‘em Up!
      • Restaurant Had Plenty of Reason to Believe That Patron’s Death From Food Poisoning Would Result in a Claim
      • Is Insurance Going to the Dogs?
    • April 18, 2011
      • The Industry in 2011: Ups and Downs Reflected in Results P/C Insurers Results for 2010 Bolstered By Investments, As Underwriting Results Deteriorate
      • Deloitte Views Claims; First Rehab Views Growth.
      • The Clock is TickingSet an Alarm for Your Insureds
      • Agents: Between A Rock and a Hard Place
      • He Could-Go-All-The-Way!
      • Temporary Tarps Over Roof Openings During Construction Are Not A Roof No Coverage For Personal Property Damaged By Rain
    • April 4, 2011
      • Notes on the Merger of New Yorks Insurance and Banking Departments
      • So far, so good
      • ADA Amendments: Final EEOC Regulations What Employers Need to Know
      • Candid Reflections
      • They Made Me an Offer I Cant Refuse
      • Upstate: 13 Arrested for Scamming WC System
      • Front End Loader Comes Under Industrial Code Section Dealing With Backhoes and Power Shovels, Holds Court of Appeals
    • March 31, 2011
      • Christie Liberates Captives
      • Two into One
      • Worksite and Indemnity Limited Benefit Medical Plans: Whats Fact, Whats Conjecture?
      • Something Youll Want to Tell Your Insureds; One New Development; and Two Points Ive Overlooked
      • You Want Sprinklers On That?
      • Spreading Some Good News
      • Donating Commissions to Charity
      • Annuities, Life Insurance Buyers Protected Under New State Regs
      • Retroactive Cancellation of Policy OKas to Insured and Anyone Else a Party to Misrepresentation Due to Lack of Insurable Interest
    • March 7, 2011
      • NYSID REPORT P/C FRAUD
      • Score Card
      • Default Denied in Pip/Um Subro Suit for Failure to Plead Essential Facts
      • SOS (Save Our Schools)
      • Convincingly Communicated
    • February 21, 2011
      • Departmental Consolidation: Seward Sees Folly in Fast Tracking Cuomo Plan
      • Sic Transit
      • Office Romances: How Employers Can Minimize the Potential for Liability
      • Deviations from Policy Forms
      • Stolen Property is Recovered, Who Gets To Keep It? Three Clues: Adhesion, Ambiguity, and Contra Proferentem
      • A New Regulatory Regime? New Yorks Proposal to Merge its Insurance and Banking Departments and Consumer Protection Board into a Single Agency
      • Imagine if these Winter Blizzards Had Been Summer Hurricanes
      • ACT ACORDingly!
      • Auto Insurers Default at Arbitration Results in Being Forced to Provide Coverage Where None Existed
    • February 7, 2011
      • No Fault, No Fix, No Fuss: Why everyone loves No Fault just the way it is
      • Yesterday, Today and Tomorrow
      • Applicability of Regulation 194
      • Whats In YOUR Pipeline?
      • Lawyer Hurts His Back Because He Stood Up Suddenly During Upsetting Phone Call: No Liability
      • Guy Carpenter to be Inducted to the Insurance Hall of Fame
      • Visualization
    • January 24, 2011
      • Cuomo-tion: Priorities Move to the Fore as New Governor Seeks Public Confidence
      • Two into One.
      • ERISA Fidelity Bond and Fiduciary Liability Conundrums
      • Plastic Piles Up Profits for Agents, Ease for Clients
      • Smileand Say Surcharge!!
      • No-Fault Abuse Drives New Yorkers Premiums Up
      • Insured's Failure to Update Address With Sec'y of State Does Not Excuse Late Notice of Lawsuit
      • Federal Tax Case Leads to Workers Comp Fraud Arrest
    • January 11, 2011
      • SECOND ACT SEEN: Jim Wrynn Seems a Logical Choice, as Govs Cuomo-tion Sets Consolidation of Insurance, Banking and Consumer Protection Depts
      • Wrynn Reign
      • The Independent Broker who Saved Christmas
      • Q&A with Tom Polsinelli, President, Park Insurance Company
      • Dont Set Sail in 2011 Without an Agency Plan - Its Not To Late!
      • ERISA Fidelity Bond & Fiduciary Liability Conundrums
      • Insurers Delays in Paying Homeowner Claim Result in Bad Faith Judgment
      • Citigroup Insurance Agencies Pay $2 Million Fine
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