Douglas R. Richmond is Senior Vice President in the Professional Services Group of Aon Risk Services in Chicago, Illinois. Aon is the world's largest insurance brokerage and risk consulting firm. Before joining Aon, Mr. Richmond was a partner with Armstrong Teasdale LLP in Kansas City, Missouri, where he had a national trial and appellate practice concentrated on insurance issues. In 1998, he was named the nation's top defense lawyer in an insurance industry poll. In addition to his practice and industry experience, Mr. Richmond has taught Insurance Law at the University of Missouri School of Law and the University of Kansas School of Law. Opinions expressed here are the authors alone.