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Occurrence and Claims-Made Insurance Policies: What’s the Difference?

Claims-Made Claims-made coverage responds to claims based on when the claim is made against an insured. For example, if a claim is made in 2012, based on treatment rendered in 2010, the 2012 claims-made policy responds, as long as the incident occurred after the policy’s retroactive date. The policy’s retroactive date is the date after […]

What to do if your RRG Faces Liquidation!

As we’ve previously discussed, there is a very real distinction between Risk Retention Groups (RRG) vs. Traditional Insurance Companies. When considering coverage anywhere, it is emphatic that you consider more than just the cost of premium. Surely the immediate costs are important but there are other things like coverage considerations (more on coverage differences on […]

FTCA Wrap Coverage: The What, Why & How

Background The Johnson administration saw an unprecedented prevalence of poverty in the United States during the 1960’s. Coupled with the influence from the Civil Rights Movement, a spotlight had been placed on the struggles of the impoverished, and in his so-called “War on Poverty,” Johnson’s administration combatted inadequate access to medical treatment by bringing forth […]