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The use of personalization mechanisms should allow the insurance distributor to reduce exploration costs and adjust the offered insurance product to the needs, features, and situation of each individual client. This study seeks to examine how liability should be allocated when the process of the personalization of an insurance product does not result in the client's choice of an optimal product. First, we identify the typical uses of new technologies allowing for an adjustment of insurance contracts. Second, we analyze the interplay between their application and the legal obligations of insurance product distributors. Subsequently, the paper discusses the scope of factors the insurance distributor is liable for when using personalizing tools in contacts with clients. We submit that offering an online personalization of insurance products ought to be regarded as being equivalent to providing advice under Art. 2, Sec. 1, Point 15 of the European Union Insurance Distribution Directive (IDD). From the consumer's perspective, our analysis makes the case for the insurance distributor's liability for mispersonalization of an insurance contract.

This paper focuses on two recent appeals1 before the High Court of Australiainvolving negligence actions for damages by intoxicated plaintiffs. The analysis of these pre-statutory reform cases, in the light of the new civil liability legislation, suggests that some of the statutory reforms are an overreaction by parliaments, and fail to strike a balance between, on the one hand, the legitimate pursuit of compensation where the defendant's blameworthy conduct has caused damage and on the other, the limitation of negligence litigation by an attitudinal change towards personal responsibility for one's actions and choices, thereby shifting the loss to the victim where the latter's conduct has been instrumental in causing its own damage.

AbstractTwo RCRA solid waste management unit/underground storage tank remediations were scheduled at the Tennessee Valley Authority (TVA) Environmental Research Center, Muscle Shoals, Alabama. By negotiating health risk‐based alternative cleanup levels (ACLs), using advanced laboratory methods, and employing bioremediation technology, ENSR provided a solution that satisfied the state agency and saved TVA time and money. Eliminating the need for transportation and off‐site disposal, TVA's environmental liabilities were also mitigated. This article presents a "how‐to" case study for effectively managing remediation projects and costs.

Most U.S. states have enacted JSL reform, the move from a regime of joint and several liability (JSL) that allows plaintiffs to claim full recovery from any one of multiple defendants to one where defendants are held liable only for the harm they cause. Contrary to previous theoretical work, we show that JSL reform can increase precaution by judgment proof agent by giving "deep pockets" an incentive to reduce their own liability by bringing judgment‐proof agents into court. This result can help explain our empirical findings showing that JSL reform reduces death rates (and hence increase precaution) for many types of accidents. Together, these results highlight the role that litigation costs and judgment‐proof agents play in the functioning of the American tort system.

The article presents basic findings about the disciplinary and criminal liability of common courts judges in Poland. These findings are presented from a criminalistics perspective. The article provides data on the following issues: the basics of the disciplinary and criminal liability of judges, the number of disciplinary cases of judges in the years 2010–2018 and the number of criminal cases of judges in the years 2001–2017, categories of the disciplinary violations and crimes committed, decisions taken in cases of disciplinary violations, and imposed penalties. The article is based on an examination of Supreme Court verdicts issued in disciplinary cases of judges and data provided by the Ministry of Justice

ABSTRACT
Directors' and officers' (D&O) legal liability insurance releases directors and officers from the threat of litigation and personal liability stemming from their decisions on behalf of the corporation. While researchers have examined some of the determinants of internal control weaknesses, it is not clear whether excess D&O coverage motivates managers to weaken the quality of firms' internal controls. This study examines whether excess D&O coverage affects the effectiveness of internal controls. Based on a sample of Taiwanese listed firms for the period 2008 to 2012, we find that firms with excess D&O coverage exhibit a greater likelihood of internal control weaknesses. This finding is driven primarily by company-level weaknesses rather than by account-level weaknesses. Because the disclosure of D&O insurance may convey additional information about managers' actions, our findings have implications for other emerging markets.