What is a liability insurer's duty toward multiple claimants if some but not all claimants are ready to settle?

  What issues arise from the introduction of the new 2006 general liability (GL) policy wordings?

  Why don't Canadian insurers offer cover for acts of terrorism?

  Why don't businesses apologize more readily when they make a mistake that injures someone?

  Is it true that if I have a serious loss, the plaintiff will usually be satisfied with my available insurance limits and leave my other business or personal assets unencumbered? If this is so, why would I bother to buy liability limits in excess of, say, $500,000?

  I have a commercial client whose present general liability policy is written on a claims-made basis. On renewal, a new market has offered to write the business on an occurrence form. How should I choose which policy to recommend to my client?

  How will general liability (GL) and umbrella insurers manage the introduction of overall aggregate policy limits in 2005?

  How much general liability insurance is enough?

  I hear that insurers will introduce a new general liability (GL) policy wording in 2004. What are the implications of this wording for the average client?

  My commercial clients have suffered three years of pronounced price increases. Will 2004 bring more stable market conditions for my customers?

  I read that the U.S. government has passed legislation enforcing the availability of terrorism cover in commercial insurance. How does this legislation affect Canadian commercial lines placements?

  I read that the U.S. government has passed legislation enforcing the availability of terrorism cover in commercial insurances. Why hasn't Canada introduced similar legislation?

  Some of my insurers are adding new exclusions to my clients' general liability (GL) policies. Why are there so many policy language changes at the moment?

  Can you suggest some ways in which I can customize the umbrella liability policy to meet the needs of individual clients?

  Why does the commercial umbrella policy contain a separate SPF7 wording for excess fleet auto cover?

  Why have insurers introduced new terrorism and data exclusions to commercial lines policies?

  Does the commercial general liability policy provide cover for sexual abuse losses?

  The cost of my biggest client's commercial general liability insurance has jumped 30 per cent this year. Why can't insurers price their product more accurately?

  What is the purpose of the extended reporting period feature of a claims-made liability policy?

  How does the self-insured retention (SIR) feature of the umbrella liability policy work?

  The millennium bug crisis appears to have passed. Why haven't insurers removed the "misinterpretation of dates" exclusion from commercial property and liability policies?

  What is the difference between an occurrence and a claims-made policy form?

  What is the difference between an Advertising Liability extension to a General Liability or Umbrella policy and cover in a Media policy?

  What is the difference between an Additional Insured and an Additional Named Insured in a General Liability policy?

  My manufacturing client has just picked up a new contract to sell their products to a U.S. retail chain. The contract stipulates that my client must provide proof of product liability insurance, including vendor liability. What is vendor liability cover and how can I obtain it?

  In June 1992, my client learned of an incident which he feared might give rise to a loss under his liability policy. We reported the loss to the general liability (GL) insurer, although at the time it didn't look as though my client would be liable for the claimants injuries. A lawsuit naming my client as one of the defendants was served in 1994 and a trial date has been scheduled for the fall of the year 2000. The claimants injuries now appear to be much worse than first realized and the insurer has recently increased the loss reserve from $15,000 to $750,000. I switched the client to another carrier two years ago. Should I report this old loss to my current GL insurer on renewal?

  My client carries $5 million in product liability cover with a $500,000 sub-limit for product recall expenses. Why do I need separate product recall insurance?

  What is the difference between Employers Liability and Contingent Employers Liability Cover? (continued)

  What cover is included in the CGL policy for Year 2000 computer failures?

  What is the difference between Employers Liability and Contingent Employers Liability Cover?

  I have noticed that some claims-made liability policies contain a Retroactive Date. What is the purpose of this feature?

  What sort of losses are intended to be covered by the hostile fire feature of the CGL environmental exclusion?

  What is the difference between an excess liability policy and an umbrella liability policy?

  What is an excess liability policy and how does it work?

  What is the difference between a liability insurance Deductible and a Self Insured Retention?

  To what extent is Canada a target for international terrorists?

  What should be done to ensure that Canadian homeowners and businesses have access to adequate insurance for acts of terrorism?