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International Bio Recovery Summit - Christine Barlow
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 Human Body Cleanup and Insurance

 

Christine G. Barlow, CPCU, is Managing Editor of FC&S, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. 

 

The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.

 

Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

 

Presentation:  Human Body Cleanup and Insurance


This presentation will review important concepts in insurance and how to explain them to adjusters who may be misreading policy language. 

This will cover the premise of the policy itself, that it is a contract of adhesion (insured gets the benefit of the doubt), the importance of defined terms and how undefined terms are handled. 

Exclusions are to be read narrowly and the legal concept of ejusdem generis applies. Terms and exclusions will be discussed and explained. 

 

 

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ABRA’s objective is “to achieve and maintain the highest levels of competence among members in the performance of their profession. To teach, instill and require the highest technical, ethical and educational standards.” ABRA certified firms are required to maintain proper insurance, OSHA compliance, Bloodborne Pathogen training records, respirator fit testing, proper handling of biohazardous waste and other laws or requirements in order to maintain good standing with the American Bio-Recovery Association aka ABRA.