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Learn more about J.S. Held's recent acquisitions of VWM Analytics and Twenty First Century Engineering.

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How Do Builder’s Risk Claims Differ from Property Damage Claims?

While there are some similarities between Builder’s Risk and Property Damage claims, there are also numerous differences in the way they are managed and evaluated. Some questions that often arise when a claim occurs on a property being constructed are: Why is this a Builder’s...

Technical Topics

Cyber Claims: A Guide to Calculating Business Interruption

While cyber was incorporated in some general liability policies (GL) of the 1980s, the first cyber standalone policy was written in 1997 through AIG. Though groundbreaking, as it was the first to address cybersecurity, it was a third-party liability policy only. According to Statista, standalone...

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The Effect of COVID-19 on Business Interruption Losses

In general terms, the intent of commercial property insurance is to indemnify against losses sustained as a function of covered peril to covered property. Business interruption loss is measured as a function of continuing operations, if any, deviating from probable levels but-for such property damage...

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The Effect of COVID-19 on Time Element Claims

Time element claims, including both business interruption and rental value loss are typically measured from the date of physical damage sustained to a property until the date when the damaged or destroyed property should be put back into service. Insurance policies covering such economic damages...

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The Effect of COVID-19 on the Insurance Claims Market

In this first edition, we seek to provide a brief summary of the key topics arising from the current pandemic that will affect insurance claims. Future editions of this series will provide details into how the current situation is likely to affect claim measurement for...

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Exposure Analysis: The Performance Bond Cost to Complete

When faced with a performance bond claim, the Surety will often seek to determine its overall exposure or expected loss. Once determined, the Surety can use this information to make educated decisions as to how to address its obligations under the bond. The analysis to...

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