The Role of the Broker When Environmental Claims Occur

While environmental incidents tend to occur infrequently, they are often serious enough to disrupt the operations of the entities that experience releases of hazardous materials. The consequences of such events may include third-party claims for bodily injury and property damage, orders to clean up contamination, and regulatory actions against responsible parties. Fortunately, environmental insurance is available to provide protection against the financial consequences of a wide variety of pollution events. This article looks at the role of the broker in assisting clients to identify, analyze, and insure against environmental liability. With properly drafted policies and active participation in the claims management process, the broker can play a significant role in assuring that an environmental insurance policy responds as anticipated when an unexpected incident threatens a client's operations.     

Am I my brother's (or customer's or tenant's) keeper? Economic and ethical aspects to the California Supreme Court's struggle with the issue of landowner's standard of care.

The Supreme Court of California has ruled on several cases involving the question of to what extent a possessor of land is liable for the harm to customers or tenants occurring when a third party commits a criminal act against the customers or tenants present on the land. This paper reviews the historical development of this aspect of negligence law and analyzes the ethical and economic efficiency implications of ascribing legal responsibility for such crimes to: a) local government, b) the possessor of land, c) the customer, and d) the criminal. For example, is there an effort by the judicial system to substitute deterrence from criminal acts provided by possessors of land (i.e., specific deterrence) for the general deterrence traditionally provided through the use of police powers by local government? Analysis indicates that specific deterrence may be more effective in changing the location of criminal acts than in reducing the level of criminal activities. Also, the expense of complying with the legal responsibilities of protecting customers and clients may be especially high in high-crime, low-income areas, thus forcing commercial establishments to move or go out of business. Thus, we have a troubling tradeoff: compensating individual crime victims in a high-crime area could ultimately deprive the residents of basic economic opportunities.     

Justice,Morality, and the Dehumanization of Refugees

Three studies were conducted to test the role of the dehumanization of refugees (through claims that they are immoral) in determining emotional reactions to refugees, attitudes toward refugees, and attitudes toward current refugee policy in Canada. We also examined determinants of such perceptions. In Studies 1 and 2, correlational analyses and structural equation modeling were utilized. In both studies, it was demonstrated that individuals who are higher in social dominance orientation are especially likely to dehumanize refugees, and this dehumanization leads to greater contempt and lack of admiration for refugees, resulting in less favorable attitudes toward the group and toward the nation’s current refugee policy. Study 3 was an experiment in which we examined the effects of information presented about refugees on emotions and attitudes. Results demonstrated that dehumanizing media depictions of refugees as violating appropriate procedures and trying to cheat the system cause greater contempt and lack of admiration for refugees in general, which in turn lead to less favorable attitudes toward the group and less support for the current refugee policy. Results are discussed in terms of the functions that dehumanization may serve, and potential strategies for counteracting such effects. Preparation of this article was supported by a Social Sciences and Humanities Research Council of Canada grant to the first author. Portions of this research were presented at the 2005 EAESP Small Group Meeting on Social Justice and Intergroup Conflict, Lisbon, Portugal, and at the 2005 Meeting of the European Association of Experimental Social Psychology, Wurzburg, Germany