Special Reports & Articles

About Cambridge Cambridge History     Crime Insurance Fraud in the Workplace We Don't Need Funds Transfer Coverage Because We Don't Do Wire Transfers, or Do We? Why is Forgery or Alteration Needed as Part of Your Crime Insurance? Would Your Bank Protect You in the Event of Forgery?     Environmental Insurance Environmental Matters How Absolute is the Absolute Pollution Exclusion? The Pollution Exclusion     General Insurance 25 Critical Considerations 100 Insurance Myths Buying Property & Casualty Insurance Cash Is King:  Top 10 Ways to Reduce Insurance Costs Certificates of Insurance:  What Are They Good For? Court of Appeals to Policyholders:  Read Your Policies - Michigan Lawyers Weekly Article Email Disclaimers Insurance Company Financial Ratings Insurance Coverages for Technology Companies Large Michigan Jury Verdicts and Settlements Since 1998 Not At Fault Yet Contractually Liable for Millions Read Your Policy Says The Court of Appeals Straight to the Bottom Line Risk Management Tips on Avoiding Common Property & Casualty Insurance Pitfalls Top 10 Pitfalls of Buying Insurance on the Internet Would You Pass Your Own Creditor's Exam?     Independent Contractors Managing the Risk Of Independent Contractors     Lease Risk Management Building a Better Lease Agreement Defective Tenant Leases Issues Related to Relying on a Tenant's Commercial General Liability Insurance Issues Related to Tenants Purchasing Property Insurance on a Landlord's Building Landlord's Insurance & Lease Clauses Lease Agreements & Environmental Matters Seniors Have the Absolute Right to Terminate Existing Leases Regardless of the Term Under Certain Conditions Tenant's Indemnity & Waiver     Liability Insurance Risk Associated with First Responder Training     Management Practices A Risk Management & Corporate Compliance Program Addressing the Employment Practices Liability Exposure Are You in Compliance with State & Federal Notice Posting Requirements? Are You in Compliance with the New 2009 FMLA? Are You in Compliance with Wage & Hour Regulations? But We're a Private Corporation and Don't Need Directors & Officers Liability Insurance Considering a Merger, Acquisition or Sale of Your Company? Disputing Claims for Unemployment Benefits Don't Let the New ADA Legislation Disable Your Business Don't Meddle with Employee Paychecks Don't Panic - How to Handle an Investigation Under MIOSHA Employee Benefit Summary Plan Employee Leasing Failure to Comply with COBRA Got Chemicals? If So, Have You Complied with the "Right To Know" Act? Harassment Training Outline I-9 Compliance Is Your Anti-Harassment Policy Up To Date? Jury Duty and Exempt Employees Laying the Groundwork for a Human Resources Audit Managed Care Liability Loss Exposures Management Practices in a Nutshell Notices Required by the Michigan Unemployment Insurance Agency Personnel Records May Be the Landmine Your Company Never Expected Risk Management Techniques to Minimize the Employment Practices Exposure Sample Employee Manual Sample Job Application & Conditional Job Offer Social Security Number Privacy Policy Sample The Importance of Fiduciary Liability Coverage What Do You Mean I Have to Give That Money Back? Who Is an Administrative Employee for the Purpose of the Fair Labor Standards Exempt Status? Who Is an Executive Employee for the Purpose of the Fair Labor Standards Exempt Status? Workplace Violence

Named Insureds Missing or Inaccurately Listed Entity Names   Personal Insurance Are Parents Liable for the Acts of Their Children?     Property Insurance Are We Obligated to Provide Security for Our Customers? Coinsurance Clauses Can Be Devastating I Don't Need Equipment Breakdown Coverage If You Are a Just-In-Time Supplier The Property Insurance Seesaw The Three Deadly Sins of Property Insurance Vacancy Advice For Attorneys Vacancy Provisions Waiver of Subrogation - Sample Waivers of Subrogation     Sales Representatives Act Michigan Sales Representatives Act & Your Commission Agreements     Vehicle Risk Management Auto Judgment Examples Auto Manufacturer Discounts Commercial Motor Vehicle Use / Commercial Driver's License Requirements Common Issues Related to the Short-Term Rental of Trucks, Trailers & Motor Homes Insurance Issues Related to the Short-Term Rental of Cars Intending to Drive Into Canada? Issues of Owning, Leasing or Titling a VehicleiIn Your Teenage Child's Name Liability Coverage for Owned & Non-Owned Trailers Personal Injury Protection Sorry Employer - Your Company Vehicle's License Place Has Been Has Been Confiscated     Workers' Compensation Classifying Workers as Employees or Independent Contractors Illegal Youth Employment Illegally Employed Minors & Workers' Compensation Medicare Secondary Payer Reporting Requirements Out-Of-State Workers' Compensation Insurance Tenant Legal Liability Comparison Workers' Compensation & Employee Classifications Workers' Compensation:  It is Critical To Schedule All States Where You Have Employees Workers' Compensation for the Homeowner and Small Employer