Contents
VOLUME 12 | ISSUE 1
From the Publishers
Dear Readers,
We hope you enjoy this edition of Enforce, the only
publication covering exclusively the complex field
of insurance policy enforcement. Our magazine
is now in its 13th year, and boasts an annual
circulation of 30,500. We could not be more
pleased with or grateful to the loyal following
we’ve built among readers interested in corporate
insurance recovery.
DAVID E. WOOD AND DAVID P. BENDER JR.
As the publishers of Enforce, our mission is to keep a steady focus on important trends affecting the clients
we serve. Nothing in the insurance world is as omnipresent today as the Affordable Care Act. Savvy
employers already know how the costs of the health care law have dinged their bottom line. Insurers are
using the law as a convenient crutch on which to blame steep premium increases. Don’t buy it. In this
issue, Enforce authors give you five ways to avoid falling prey to this tactic. Other topics addressed in these
pages include the strategic use of self-insured retentions, how to proceed when insurance coverage and
bankruptcy intersect, how to reconstruct historical insurance programs for long-tail liabilities, and the trail
of Superstorm Sandy insurance lawsuits that are just now reaching the courts.
Our clients remain critically impacted by the tentative aftermath of the Great Recession. The path to
recovery is neither clearly marked nor fully energized. In this environment, the thoughtful transfer
of risk to insurance policies continues to be vital to the protection of balance sheets. But the most
sophisticated insurance program has little value if claims aren’t paid when they happen. That’s why we
publish this magazine: to level the playing field when insurance companies don’t do what they should.
We have never viewed ourselves merely as lawyers expert in getting insurance companies to pay claims.
Rather, we see ourselves as business partners helping the client protect its assets. By recouping insured
losses and liabilities, we help drive capital back into the client’s core business. Enforce gives our readers
an inside look at our play list. We hope it inspires our readers to challenge insurance companies in their
core business: fighting over claims.
Sincerely,
David E. Wood
[email protected]
David P. Bender Jr.
[email protected]
VOLUME 12 | ISSUE 1
3