For more information on our financial services offerings, contact us at:
Analytic Focus LLC
1116 20th Street South #406
Birmingham, AL 35205
Phone: (205) 672-9253
Fax: (205) 672-9255
E-mail: info@analyticfocus.com

Allocation of Liability Models

With older policies, multiple coverages, and activities by claimants that cover a long period of time, it’s difficult to know who covers what and when. We work with old record systems and scanty information to develop estimates of coverage when multiple policies are in effect for different periods of time.
Case Examples:

Non-product liability: One of the asbestos manufacturers had a subsidiary unit that installed installation for construction sites and in manufacturing plants. Their product liability coverage was exhausted, but they also had non-product liability coverage for the subsidiary. We determined over a fifty year period how much of their sales was through the subsidiary, what proportion of those sales went to industries covered in the asbestos settlements, and what proportion of workers would have been exposed to asbestos during an installation as opposed to their ordinary work activities. The non-product claims helped the manufacturer to recover more in claims while at the same time distributing the insurance risk more broadly across more insurers.