National Insurance Law Forum is a public service intended to facilitate discussion and an exchange of ideas and information among insurance industry professionals, risk managers, attorneys, policyholders, students, and others with an interest in the development of American insurance law. Through the Forum, we hope to make available commentary, papers, case law developments and other resources on cutting-edge issues, and, in the process, generate interesting dialogue among members of the Forum and the public. The Forum is not intended to provide legal advice, and nothing posted on the site should be construed as such or acted upon without first consulting with an attorney. The opinions of Forum members are their own, and do not reflect the opinions of their firms, their clients, or the other Forum members. Please refer to our Disclaimer page. To contact Forum members directly, please refer to our Contacts page.