LETTERS: CUSTOMERS NOT RESPONSIBLE FOR PRODUCT'S FLAWS

To the editor: Once again we see Chris Campos of Campos & Stratis broadcasting his plea that he and his insurance company colleagues don't have to pay all business interruption claims.

Mr. Campos' letter to the editor in your Jan. 27 issue states there is "needless confusion among insureds and others regarding business interruption insurance."

In simpler terms, business interruption insurance is a defective product. If an automobile manufacturer sold an automobile that did not work, that product would be withdrawn from the market. Business interruption insurance, as Mr. Campos illustrates, does not work. He blames the customer instead of the manufacturer of the insurance product.

Worst of all, Mr. Campos states, "The industry-and that includes not just insurers but brokers, agents, risk managers, consultants and insureds"-needs to take action.

Policyholders are not part of the insurance industry. Policyholders buy products from the insurance industry. It is sad but true that the insurance industry has managed to convince so many risk managers that they are part of "the industry." This is a terrible misperception of the role of a risk manager.

Eugene R. Anderson

Anderson Kill & Olick P.C.

New York