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Archive
Volume 11, April 2008
Outfitters and Guides
Adventure is truly a rush! Kayaking, hunting, fishing, birding and mountain climbing are activities that can bring families and groups together in ways that build lasting bonds. The challenges in these activities encourage individuals to perform in ways they may have considered beyond their capabilities and create an awareness in them of nature and of themselves that exceeds the activity at hand. However, these adventures are not for inexperienced novices. That is why outfitters and guides are vital to the success of these types of adventures.
Volume 10, March 2008
Vacant Buildings
Location, location, location! That's the mantra of the real estate agent. But what happens when the location is perfect, the price is right, the seller has moved out but the credit market is so tight that no purchaser can afford to buy it? In many cases, another building winds up in the growing pool of vacant properties. Some of these properties are owned by individuals, others by businesses and some now belong to banks through foreclosure proceedings.
Volume 9, February 2008
Boats and Yachts
Like automobiles, boats and yachts are modes of transportation but the coverage required is quite different and more than just an auto policy on water. Boats and yachts can also substitute as residences but the coverage provided is different and does not match that provided by a homeowners policy. Instead of simply being an extension of standard personal lines coverages, boat and yacht coverages are extensions of ocean marine coverage forms.
Volume 8, January 2008
Medical Equipment Products
Medical equipment designed for use by professionals in the treatment of patients is now expected to be operated by ordinary people. This means the assumptions made by the equipment designers must be changed. Instruction books, labeling, training and warranties must consider these new customers.
Volume 7, December 2007
Nutraceuticals
A nutraceutical is much more than just a dietary supplement because it is designed to treat specific disorders in addition to supplementing a diet. Since there are no Food and Drug Administration (FDA) clinical trials, their effectiveness is unknown so the standard insurance market approaches these products with a degree of skepticism.
Volume 6, November 2007
Exterior Insulation and Finish Systems
The excitement about Exterior Insulation and Finish Systems (EIFS) has turned to gloom because of the numerous individual and class action lawsuits filed that claim toxic mold due to moisture retention.
Volume 5, October 2007
Private Corrections Industry
The privatization of the prison correctional system in the United States is moving forward at a rapid pace. In order to meet the needs brought about by the explosive growth in the prison population, local, state and federal authorities are turning to private industry at an increasing rate.
Volume 4, September 2007
Adjusters Errors and Omissions
Independent adjusters represent the insurance company, while public adjusters represent the claimant. They are charged to fairly represent their clients by adjusting losses based on the facts of the insurance policy and the loss that occurs. The problem is determining what is fair.
Volume 3, August 2007
Motor Truck Cargo
This edition of the Insurance Marketplace Cybercast reviews the motor truck cargo marketplace as a whole and addresses current problems in the NAFTA commercial zones and problems that may occur when NAFTA is fully implemented.
Volume 2, July 2007
Medi spas
While traditional spas provide a variety of treatments, most are nothing more than expanded beauty shops. However, the Medi spa is an entirely new and different concept. It offers medically supervised Botox treatments, dermal fillers such as Restylane and Juvederm, laser hair removal, microdermabrasion, skin corrections and a number of other minor surgical treatments in addition to the comfort and services of a traditional spa.
Volume 1, June 2007
Mini wraps
A major coverage problem in the residential construction marketplace is being solved on the west coast with a general liability only wrap-up sometimes called a mini wrap. Since the problem is becoming more national in scope, will the mini wrap also become the national solution?
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