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Vol. 8 - Issue 1
January 3, 2019


Insurance Coverage
New Year’s Resolutions




Randy Spencer is ringing in the new year in Provence. I asked him to mail in his insurance coverage new year's resolutions for this month's column. He did – the same ones from two years ago. And there were baguette crumbs in the envelope. As Spencer put it, the best thing about breaking your new year's resolutions in that you don't have to think of new ones. And, besides, as he reminded me (for the umpteenth time) – "It's not like you're paying me to write this."


Well, it's that time of the year – New Year's Resolution season. All over the country people are resolving to get in shape, stop smoking and cut down on their emoji usage.

Surely there are also ways for those in the coverage world to make this the year for getting better at something, fixing something or doing something different in their approach to handling claims. Who among us can't make one of these a resolution for 2017:

• While it's true that anything can happen in a case, and it's better to be safe than sorry, I resolve to stop citing the Nuclear Exclusion in all of my reservation of rights letters.

• I resolve to decide whether the words insured, insurer, plaintiff and defendant should be capitalized in my reservation of rights letters -- and then be consistent.

• I resolve to fix the auto-correct on my computer so that when I type CNA it doesn't change to CAN. [Who am I kidding? I've been talking about doing this for years.]

• I resolve to eat fewer snacks at mediations.

• I resolve to stop reading Insurance Key Issues while driving. It can wait.


That’s my time. I’m Randy Spencer. Contact Randy Spencer at

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