A much greater problem, insurance specialists said, is underinsurance on the part of collectors.

The federal government's position is to provide wartime insurance coverage for international flights if appropriate, but not domestic flights, one insurance specialist said.

Reina faced criticism from some of the more purist insurance specialist for his approach to the idea.

Access a variety of resources at no cost, including registered nurses and insurance specialists.

One place not to skimp is inflation protection, insurance specialists say.

According to insurance specialists, lawyers and bankers, it is frequently possible to challenge the bank and have insurance requirements reduced.

The marine insurance specialist also designs special programs for yacht clubs.

An insurance specialist who trains investigators speculated that part of the market for stolen computers may have been created unintentionally by the insurance industry itself.

But insurance specialists say it is likely to be much smaller than the $850 million that Marsh agreed to pay.

Before becoming a full-time writer, she worked as a bartender, a computer consultant, and an insurance specialist.