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    <title>Wells, Call, Clark, Bennett &amp; Clawson, APC - Untitled 6</title>
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    <description>Untitled 6</description>
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      <title>Types of Insurance Companies</title>
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      <description>The structure of an insurance company may affect how it does business. Insurance companies may take the form of regular stock companies, mutual insurance companies, or "captive" subsidiaries of companies that effectively are self-insured. ...</description>
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    <item>
      <title>Third-Party Insurance</title>
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      <description>An insured may submit a claim to his insurer to recover under two different categories of insurance. The categories are based on whom the insurer is required to pay. If the insurer is required to pay the insured for his direct loss, the insurance...</description>
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      <title>Insurance Considerations in Mergers and Acquisitions</title>
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      <description>Insurance policies may be considered significant assets of a company engaged in a merger or acquisition. Although comprehensive general liability policies often contain an anti-assignment clause, such clauses normally are narrowly construed to...</description>
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      <title>Drop Down of Excess Coverage If the Primary Insurer Becomes Insolvent</title>
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      <description>Although insolvency of an insurer may be considered a relatively rare event, the effect of such insolvencies on policyholders can be substantial. Most jurisdictions have insurance guaranty associations that will provide some coverage in place of...</description>
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    <item>
      <title>The Meaning of Reinsurance</title>
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      <description>Reinsurance is the process by which an insurance company shares the risk that it assumes when it issues an insurance policy. For example, an insurance company that issues a $1 million life insurance policy may reinsure or have other insurers...</description>
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