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You will also find available articles and videos relating to insurance claims, insurance fraud, insurance coverage, and insurance law that will assist you in obtaining information that will allow you to receive or produce excellence in claims handling.

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I have just posted at my community, the beginning of “What is Insurance”, that is the first installment which begins as follows:

What is Insurance?

I have just posted at my community, Zalma on Insurance, that is the first installment on an article on the question of “What is Insurance” which begins as follows. If you wish to read this, and follow-up postings that will include everything from the treatise, Zalma on Insurance, you must subscribe to my account at:

Insurance policies are contracts. To form a contract, an insurer must make an offer that is accepted by a potential insured who then pays consideration – premiums – for the promises made by the insurer. Insurance contracts, like all contracts, can only exist if there is an offer, acceptance of the offer and payment of consideration.
An insurance contract exists when an insurer and the insured agrees that the insurer will provide indemnity to the insured as a result of a contingent or unknown event that causes loss to the insured.

The language of insurance contracts come in multiple formats with an almost infinite variety of terms and conditions. I personally have collected, over the last 54 years about 17 linear feet of multiple insurance forms created by the Insurance Services Office (“ISO”), Standard, and individual insurance company specialty forms. In addition, since the advent of the Internet I have collected gigabytes of insurance policy forms as paper has given way to digital insurance policy wording.

© 2021 – Barry Zalma

Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders.

He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business.

Subscribe to “Zalma on Insurance” at and “Excellence in Claims Handling” at

You can contact Mr. Zalma at, https://www,, and . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award.

Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals.

You may find interesting the podcast “Zalma On Insurance” at;  you can follow Mr. Zalma on Twitter at; Go to Barry Zalma videos at you should  to Barry Zalma on YouTube-; Go to the Insurance Claims Library – The last two issues of ZIFL are available at 


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