Risk Consulting & Expert Services

Business Interruption, Income, Extra Expense and other time element coverages are unique to business entities and are seldom purchased correctly.

Coinsurance is one of the most common insurance purchase misunderstandings. The coinsurance clause/penalty is a stated understanding and agreement within most property policies that requires the property owner to purchase insurance for a certain percentage of the full value of the property.

Property values matter and vary based on the purpose of the valuation. Although this issue seems easy, there is more contention at the time of a property claim on this issue than practically any other issue.

Understand Uninsured/Underinsured Motorist (UM) coverage before it is needed.

Accuracy is necessary and important!

Agent's have a duty to their client.

An insurance contract must be understood by the buyer.

The first trigger to an insurance contract - Premium Payment

There are ten recurring themes that often lead to litigation. Attorneys either dealing in insurance procurement litigation issues or with clients who purchase insurance may want to consider these ten themes. Just like poor legal advice, poor understanding of insurance procurement issues can be very expensive for your client. Theme 1 - Roles and responsibilities in the insurance buying process are important and different.