REDISCOVERING THE SAWYER SOLUTION: BUNDLING RISK FOR PROTECTION AND PROFIT

Author: Jeffrey W. Stempel One of the fascinating, but disheartening aspects of history is the manner in which some persons or events are continually trumpeted, even if overrated, while others are too quickly forgotten. Everyone knows about Bunker Hill, but the Battle of Saratoga was more important in turning the American Revolution in favor of… continue reading

FRACTURING AND BUNDLING RISKS: THE COVERAGE EXPECTATIONS OF THE “REAL” REASONABLE POLICYHOLDER

Author: James Davey The market for residential property insurance is well established within most Western States, and beyond. Within the United Kingdom (“UK”), it is the second largest personal line, behind motor insurance. The two dominant products are buildings insurance and contents insurance, although other forms are now appearing, such as ‘Home Emergency’ cover. In… continue reading

THE HIDDEN CONFLICT: THE SECRET INSURERS DON’T TELL INSUREDS

Authors: Michael Childress and Daniel Loucks The insurance industry operated for centuries under certain fundamental principles. An insured, looking to minimize its own risk, looks to purchase an insurance policy. The insurer issues the policy and remains profitable by spreading risks over as large a population as possible. In the event of a loss, the… continue reading

THE BALKANIZATION OF CAT PROPERTY INSURANCE: FINANCING AND FRAGMENTATION IN STORM RISKS

Author: Donald T. Hornstein After a catastrophic weather event (“CAT”), such as a hurricane, there inevitably arise disputes over the cause of property damage, with losses attributable to flooding assigned to policies issued under the National Flood Insurance Program, and losses attributable to wind assigned to policies issued by private insurers and/or by various state-based… continue reading

FRAGMENTED RISK: AN INTRODUCTION

Author: Jay M. Feinman Consider two potential paradoxes about the breadth and limits of insurance, one in property insurance and one under the Commercial General Liability (“CGL”) policy. Most homeowners have only the vaguest sense of the extent of coverage provided by their homeowners’ insurance policy, particularly the breadth of coverage it provides. Using as… continue reading

2013 PILCOP Symposium on Equality Privatization: Looking Out For The Public Good

2013 PILCOP SYMPOSIUM ON EQUALITY TAKEN IN THE LEVY CONFERENCE CENTER OF UNIVERSITY OF PENNSYLVANIA LAW SCHOOL, 3400 CHESTNUT STREET, PHILADELPHIA, PENNSYLVANIA 19104, BEGINNING AT 9:00 A.M., BEFORE ALICIA FORTIN, A PROFESSIONAL REPORTER AND A NOTARY PUBLIC IN AND FOR THE COMMONWEALTH OF PENNSYLVANIA, AND KIMBERLY HUSSEY, CCR, CM. View More

FINDING THE TREASURE WITHOUT WALKING THE PLANK: THE CRITICAL NEED FOR PROPERLY TAILORED ANTI-PIRACY LAWS

Author: Phil Portantino The events of 2007, with some dramatic tweaking, could have made a terrific summer blockbuster. The lives of thousands stood still as a Guild declared war on a powerful Alliance. As the conflict raged on, it affected the lives of countless American heroes. Jack Bauer and Chuck Bartowski both disappeared for over… continue reading

GENDER REASSIGNMENT SURGERY IN PRISONS: HOW THE EIGHTH AMENDMENT GUARANTEES MEDICAL TREATMENTS NOT COVERED BY PRIVATE INSURANCE OR MEDICARE FOR LAW-ABIDING CITIZENS

Author: Lila Leonard Whether taxpayers should foot the bill for prisoners to have gender reassignment surgery. Some prisons and detention centers are currently paying for the reassignment surgery with tax dollars, but only if an inmate has reached a certain point in his/her hormone therapy and for the safety of the particular inmate, as well… continue reading