So, you took the first step, you obtained your adjuster license, and now you have the “permission” of the regulator (i.e., state) to adjust claims. But now that the job hunt has begun, are you bumping up against requirements for experience you do not have? What to do? For the eager yet inexperienced adjuster, Jim […]

The words “Property and Casualty Insurance” may not sound too exciting, but our world without its existence would be quite boring. The risks for both individuals and businesses that make life exciting are often covered by Property and Casualty insurance. One is more inclined to take a risk or dream big, knowing the risk is […]

While the facts that follow are from an actual case in another jurisdiction, substantive workers’ compensation laws and legal doctrines are very similar from state to state. Names and location have been changed to help facilitate an objective look at facts and legal doctrine. How would you decide if the following case came before you […]

How Would You Decide: Florida Worker’s Refusal of “Sheltered Employment” Was Not Reasonable? Here’s What Happened: Claimant, a commercial housekeeper, suffered a compensable injury to her right (dominant) shoulder, underwent surgery, and was placed on no-work status for approximately one week. Subsequently, claimant’s authorized orthopedist returned claimant to work with significant restrictions relative and recommended three […]

Traditional notions of insurance are nearly extinct, and the brave new world of retained risk has given new meaning to the notion of self-insurance as commercial consumers become the majority, and often exclusive, stakeholders in the financial outcome of claim exposures. One might argue that, except in the case of a catastrophic loss, true insurance […]