Comprehensive analysis of standard policy forms. Detailed case studies of claims issues, disputes and resolutions. Current underwriting trends and market conditions.
This classic insurance reference resource is now available in electronic format for easy portability and use. Install it on your computer at the office…and take it with you into the field. Use the Merritt Personal Lines Manual for training staff, generating marketing materials and white papers for clients.
The Merritt/PLM includes comprehensive, paragraph-by-paragraph analysis of standard policy forms; detailed case studies of claims issues, disputes and resolutions; current underwriting trends and market conditions; and thorough needs analysis tools for you and your clients.
Now you can take this classic insurance reference resource with you anywhere. More than 40 chapters organized in a half-dozen coverage sections give you more information in one place and in one format than you’ll find anywhere else in the insurance industry. The Merritt/PLM is available in simple HTML format—which can be accessed with any Web browser or word processing software. Install the Merritt/PLM on your computer at the office…and put a copy on your laptop to take into the field. Add your own notes…customize the standard forms and analysis to your own (and your client’s own) needs.

Here’s the Merritt/PLM Table of Contents:

Introduction & Overview

Part I: Auto Insurance
1. Auto Coverage/Basics
2. Auto Coverage/Standard Form Analysis
3. Auto Coverage/Claims Disputes & Case Studies
4. Auto Coverage/No Fault Programs
5. Auto Coverage/Ratings
6. Auto Coverage/Needs Analysis
7. Recreational Vehicle Coverage

Part II: Homeowners & Dwelling Coverages
8. Homeowners/Basics
9. Homeowners/Standard Form Analysis
10. Homeowners/Needs Analysis
11. Homeowners/Condo
12. Dwelling/Basics
13. Dwelling/Standard Form Analysis
14. Homeowners/Disaster Planning
15. Homeowners/Claims Disputes & Case Studies

Part III: Renters Insurance, Personal Property & Theft Coverage
16. Renters & Theft/Basics
17. Renters & Theft/Needs Analysis
18. Renters & Theft/Claims Disputes & Case Studies
19. Possessions/Basics
20. Possessions/Needs Analysis

Part IV: Personal Liability Insurance
21. Personal Liability/Basics
22. Personal Liability/Standard Forms Analysis
23. Personal Liability/Needs Analysis
24. Personal Liability/Claims Disputes & Case Studies
25. Professional Liability/Basics
26. Professional Liability/Needs Analysis

Part V: Health Insurance
27. Health/Basics
28. Health/Managed Care Plans
29. Health/Medicare
30. Health/Standard Forms Analysis
31. Health/Needs Analysis
32. Health/Claims Disputes & Case Studies

Part VI: Disability Insurance & LTC Coverage
33. Disability/Basics
34. Disability/Needs Analysis
35. Disability/Claims Disputes & Case Studies
36. Workers’ Compensation/Basics
37. Workers’ Compensation/Claims Disputes & Case Studies
38. Long Term Care/Basics

Part VII: Life Insurance
39. Life/Basics
40. Life/Standard Forms Analysis
41. Life/Investments & Estate Planning
42. Life/Needs Analysis
43. Life/Ratings
44. Life/Claims Disputes & Case Studies

Part VIII: Miscellaneous Information & Appendixes
45. Specialty Insurance Policies
46. Riders, Endorsements & Other Modifications
47. Claims Strategies & Tactics
48. State Insurance Departments/Contacts 49. Legal Supplement
50. State Professional Education Objectives

Details: The Merritt Commercial Risks Manual and
Strategies for Insurance Coverage Manual
2015 Annual Electronic Editions

The Merritt Commercial Risks Manual and Strategies for Insurance Coverage Manual have been standard insurance industry reference texts for more than 40 years. These multi-volume encyclopedias explore the breadth of complex insurance in comprehensive detail. And they explain it all in plain English . They have answers for just about any question that may come up; and they're designed to help you put together detailed presentations or white papers quickly and professionally.
The Merritt/CRM is a tactical guide to business insurance—detailing policy forms, coverage and claims issues and market conditions. The Merritt/SFC is a broader, more strategic view of the business insurance marketplace. It explains why certain coverages work they way they do. It describes the excess and surplus markets. And it looks into how particular markets like Lloyd’s of London and the Bermuda reinsurance niche operate.
The electronic editions of these Manuals come together on one CD-ROM that allows you to use the content as you need it. You can search of the texts for specific words or phrases—or you can use the tables of contents to guide yourself through specific topics. You can add your own notes to the discussion. And you can cut and paste key passages for use in white papers or presentations. Whether you're looking for plain English explanations of the intricacies of aviation coverage or the technical language to get the right CGL quote from a big carrier, these Manuals have what you need.

The Merritt/CRM is a tactical guide to business insurance—detailing policy forms, coverage and claims issues and market conditions.

Here’s the Merritt/CRM Table of Contents:

Chapter CRM-01: Aviation Insurance
Chapter CRM-02: Boiler & Machinery Insurance
Chapter CRM-03: Cases in Boiler & Machinery Insurance
Chapter CRM-04: Various Boiler & Machinery Forms
Chapter CRM-05: The Businessowners Policy
Chapter CRM-06: Cases in Businessowners Policy Insurance
Chapter CRM-07: Various Businessowners Policy Forms
Chapter CRM-08: Building and Personal Property Coverage
Chapter CRM-09: Commercial General Liability Insurance
Chapter CRM-10: Cases in CGL Insurance
Chapter CRM-11: Various CGL Forms
Chapter CRM-12: Classifications Guide
Chapter CRM-13: Commercial Auto/Business Auto Coverage
Chapter CRM-14: Commercial Auto/Truckers Coverage
Chapter CRM-15: Commercial Auto/Garage Coverage
Chapter CRM-16: Various Commercial Auto Coverage Forms
Chapter CRM-17: Commercial Property
Chapter CRM-18: Cases in Commercial Property Coverage
Chapter CRM-19: Commercial Property Coverage for Condominiums
Chapter CRM-20: The Commercial Package Policy
Chapter CRM-21: Commercial Crime Coverage
Chapter CRM-22: Federal Commercial Crime Insurance Program
Chapter CRM-23: Cases in Commercial Crime Coverage
Chapter CRM-24: Various Commercial Crime Coverage Forms
Chapter CRM-25: Declarations Page/Common Policy Terms
Chapter CRM-26: Commercial Earthquake Coverage
Chapter CRM-27: Flood Insurance for Commercial Risks
Chapter CRM-28: Farm Insurance
Chapter CRM-29: Various Farm Coverage Forms
Chapter CRM-30: Inland Marine Insurance
Chapter CRM-31: Cases in Inland Marine Insurance
Chapter CRM-32: Various Inland Marine Insurance Forms
Chapter CRM-33: Ocean Marine Coverage
Chapter CRM-34: Professional Liability Insurance
Chapter CRM-35: Medical Malpractice Coverage
Chapter CRM-36: Cases in Professional Liability Insurance
Chapter CRM-37: Risk Management and Needs Analysis
Chapter CRM-38: Surety Bonds and other Contractual Guarantees
Chapter CRM-39: Time Element Coverage
Chapter CRM-40: Cases in Time Element Coverage
Chapter CRM-41: Workers’ Compensation & Employer’s Liability Insurance
Chapter CRM-42: Cases in Workers’ Compensation Coverage

The Merritt/SFC is a broader, more strategic view of the business insurance marketplace. It explains why certain coverages work they way they do. It describes the excess and surplus markets. And it looks into how particular markets like Lloyd’s of London and the Bermuda reinsurance niche operate.

Here’s the Merritt/SFC Table of Contents:

PART ONE: E&S AND NONADMITTED MARKETS
SFC01-01: THE NONADMITTED MARKETS
SFC01-02: BASIC GUIDE FOR USING NONADMITTED MARKETS
SFC01-03: INSURANCE PROBLEMS OF CLASS UNDERWRITERS
SFC01-04: UNDERWRITING CYCLES IN PROPERTY/LIABILITY INSURANCE
SFC01-05: PLACEMENT PROCEDURES WHEN MARKETS TIGHTEN
SFC01-06: LOSS HANDLING PROCEDURES FOR E&S COVERAGE
SFC01-07: HISTORICAL E&S STATISTICS
SFC01-08: THE PROBLEM OF INSURER INSOLVENCY
SFC01-09: IRIS—THE INSURANCE REGULATORY INFORMATION SYSTEM
SFC01-10: COMMERCIAL MULTI-PERIL IN THE NON-ADMITTED MARKET
SFC01-11: UNIQUE CONTINGENCY COVERS
SFC01-12: RETROSPECTIVE PENALTY
PART TWO: UNDERSTANDING LLOYD'S OF LONDON, BERMUDA AND OTHER KEY MARKETS
SFC02-01: A PRACTICAL HISTORY OF LLOYD’S OF LONDON: RISK SPIRAL, RESTRUCTURING AND RECOVERY
SFC02-02: NAIC LIST OF NONADMITTED ALIEN INSURERS
SFC02-03: THE INTERNATIONALIZATION OF INSURANCE
SFC02-04: LLOYD'S BROKERS AND THE AMERICAN PRODUCER
SFC02-05: THE REGULATION OF ALIEN INSURERS
SFC02-06: LLOYD'S OF LA SALLE STREET
SFC02-07: FOREIGN RISKS OF DOMESTIC INSUREDS
SFC02-08: LLOYD'S MALPRACTICE LIABILITY COVERAGE
SFC02-09: COMPREHENSIVE “CEILING” COVERAGE
SFC02-10: LLOYD'S ACCIDENT POLICY
SFC02-11: THE BERMUDA EXCESS AND REINSURANCE MARKET
PART THREE: E&S AND RISK MANAGEMENT
SFC03-01: MANAGING THE HARD-TO-PLACE RISK
SFC03-02: BASIC RISK MANAGEMENT & THE DEDUCTIBLE PHILOSOPHY
SFC03-03: SMART UTILIZATION OF SPECIALTY MARKETS
SFC03-04: RISK MANAGEMENT AND THE MODERN INSURANCE PROFESSIONAL
SFC03-05: RISK MANAGEMENT AND PUBLIC ENTITIES
SFC03-06: INVERSE CONDEMNATION
PART FOUR: SPECIALITY PROPERTY COVERAGES
SFC04-01: AUTOMOBILE PHYSICAL DAMAGE
SFC04-02: INVENTORY SHORTAGES
SFC04-03: LEASE-RELATED RISKS (INSURED OR NON-INSURED)
SFC04-04: ACCOUNTS RECEIVABLE COVERAGE
SFC04-05: EQUIPMENT LEASE PROTECTION POLICY
SFC04-06: THE EARTHQUAKE PERIL IN THE UNITED STATES
SFC04-07: U.S. FLOOD INSURANCE
SFC04-08: MASTER FIRE & EC POLICIES SOLD THROUGH LENDERS
SFC04-09: AVIATION INSURANCE
SFC04-10: CHECKLIST FOR LLOYD'S SPECIAL AVIATION UNDERWRITING PROGRAMS
SFC04-11: BUMBERSHOOT
SFC04-12: FISHING VESSELS
SFC04-13: OCEAN CARGO
SFC04-14: RIVER MARINE INSURANCE
SFC04-15: DIFFICULT OCEAN MARINE PLACEMENTS
SFC04-16: REJECTION INSURANCE
SFC04-17: AQUACULTURE COVERAGE
SFC04-18: INSURANCE FOR OIL RIGS
PART FIVE: PROFESSIONAL LIABILITY AND D&O COVERAGE
SFC05-01: MANAGING THE EXPLODING PROFESSIONAL LIABILITY EXPOSURE
SFC05-02: E&O COVERAGE FOR INSURANCE PROFESSIONALS
SFC05-03: PUBLIC OFFICIAL LIABILITY
SFC05-04: TRAVEL AGENTS E&O
SFC05-05: MEDICAL MALPRACTICE COVERAGE
SFC05-06: LAW ENFORCEMENT LIABILITY
SFC05-07: E&O COVERAGE TIPS FOR LAWYERS
SFC05-08: E&O TIPS FOR INSURANCE COMPANIES
SFC05-09: E&O TIPS FOR REAL ESTATE AGENTS
SFC05-10: THE CLAIMS MADE TRIGGER
SFC05-11: DIRECTORS' AND OFFICERS' LIABILITY COVERAGE
SFC05-12: BUYING AND BROKERING D&O COVERAGE
PART SIX: WORKERS’ COMP AND EMPLOYEE BENEFITS
SFC06-01: SELF-INSURING EMPLOYEE BENEFIT PLANS
SFC06-02: EXCESS WORKERS' COMPENSATION INSURANCE
SFC06-03: FELLOW EMPLOYEE SUITS
PART SEVEN: CGL AND OTHER LIABILITY COVERAGES
SFC07-01: THE EVOLUTION OF GENERAL LIABILITY INSURANCE
SFC07-02: OCCURRENCE AND CLAIMS MADE: "OIL AND WATER"
SFC07-03: ENVIRONMENTAL IMPAIRMENT LIABILITY
SFC07-04: UNDERGROUND STORAGE TANK (UST) EXPOSURE
SFC07-05: PRODUCT LIABILITY
SFC07-06: MARKETING AND SALES FUNCTIONS IN PRODUCT LIABILITY
SFC07-07: PRODUCT SAFETY AND PRODUCT RECALL
SFC07-08: INSURING AGAINST PUNITIVE DAMAGES
SFC07-09: DRAM SHOP LAWS
SFC07-10: MUNICIPAL LIABILITY INSURANCE
SFC07-11: LIQUIDATED DAMAGES COVERAGE FOR MANUFACTURERS
SFC07-12: SHIP REPAIRER'S LEGAL LIABILITY COVERAGE
PART EIGHT: REINSURANCE
SFC08-01: TARGET RISKS
SFC08-02: FINANCIAL ANALYSIS OF INSURERS
SFC08-03: AN ANALYSIS OF THE REINSURANCE MARKET IN THE UNITED STATES
SFC08-04: GOVERNMENT INSURANCE PROGRAMS FOR RESIDUAL MARKETS
SFC08-05: FRONTING
SFC08-06: "PROBABLE MAXIMUM LOSS" AND "AMOUNT SUBJECT"
SFC08-07: FINANCIAL INSURANCE PRODUCTS FOR SELF-INSURED CORPORATIONS
PART NINE: CAPTIVE INSURANCE
SFC09-01: CAPTIVES
SFC09-02: THE CAPTIVE MARKETPLACE
SFC09-03: TAXATION OF INSURANCE TRANSACTIONS
SFC09-04: INFLATIONARY PERIODS
PART TEN: WAR, TERRORISM, MONEY LAUNDERING & POLITICAL RISKS
SFC10-01: WAR AND STRIKES RISKS
SFC10-02: KIDNAP AND RANSOM COVERAGE
SFC10-03: COVERAGE FOR WRONGFUL GOVERNMENT DETENTION
SFC10-04: POLITICAL RISK
SFC10-05: CASH LETTER INSURANCE
SFC10-06: BANK CREDIT CARD INSURANCE
SFC10-07: TIME DEPOSIT CREDIT TRANSFER E&O
SFC10-08: BRIDGE, DAM AND TUNNEL RISKS
APPENDIX ONE: STATE STATUTES AND RULINGS
APPENDIX TWO: STATE SPECIFIC E&S AND REINSURANCE REQUIREMENTS/COMPLIANCE INFORMATION