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Diability Insurance While Employed

If an insured becomes totally disabled, he may recover payments under his disability insurance policy during his period of disability. One factor that is used to determine the insured's eligibility for such payments is his ability to work. If he...

Treatment of Annuities as Securities

Variable annuities are differentiated from fixed annuities by virtue of how the benefits are funded. In a traditional fixed annuity, an annuitant pays a premium(s) and is guaranteed a certain rate of return over...

The CGL Policy Liquor Liability Exclusion

The comprehensive general liability (CGL) policy protects the insured from liability to third parties for personal injury and property damage caused by the insured. However, there are various exclusions from coverage in the...

The Workers' Compensation Exclusion in the Comprehensive General Liability Policy

A business may purchase a comprehensive general liability or CGL policy to provide insurance against liabilities of the business for personal injury or property damage suffered by third parties and caused by the business. The usual form CGL...

Captive Insurers

A captive insurer is captive in the sense that it is owned and operated by the insured. There is a point at which it makes economic sense for a company to establish and operate its own insurer as part of the company's risk management program...