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Why Return to Work Programs Are Integral to Controlling Workers’ Compensation Costs

Workers' Compensation insurance is a significant operating cost for all businesses and companies are continuing looking for ways to reduce the frequency and severity of claims, foster a culture of safety throughout their organization and promote wellness among their employees. A critical component of getting Workers' Comp costs under control for any type of business [...]

Documenting Verbal Conversations with Clients Is Crucial

You probably keep documentation for most activities related to running your business, but do you document all important communications you have with clients? What about those conversations you have by phone or in person? If not, you may be putting yourself at risk. If you make policy adjustments or deal with any sort of client [...]

Understanding TRIA and Terrorism Risk Insurance

On Jan. 8, 2015, Congress reauthorized the Terrorism Risk Insurance Act (TRIA), the federal terrorism risk insurance backstop. TRIA was allowed to expire on Dec. 31, 2014. The bill will be effective as soon as the president signs it, an action that is expected in before the end of the month. What is Terrorism Risk [...]

Do College Students Need Renters Insurance?

College students may not have a ton of valuables to insure, but expensive textbooks, laptops and other prize possessions can cost a lot to replace if something should happen to them. Fires, floods, and theft are all potential risks to property. In fact, the U.S. Department of Education estimates there were 31,851 campus burglaries in [...]

New OSHA Regulations and Recordkeeping Rules

Beginning January 1, 2015, establishments located within Federal OSHA jurisdiction must comply with new, expanded recordkeeping requirements. Establishments located in states operating their own safety and health programs should contact the appropriate state authority to determine the start date for the new requirements. Under the new reporting requirements, employers must report the following to OSHA: [...]

Cyber Risks, Privacy Management Rank High in Top Risks Among Execs

New researched based on a survey conducted by global consulting firm Proviti and North Carolina State University’s ERM Initiative highlights a host of significant risk drivers contributing to the risk dialogue taking place in boardrooms and executive offices throughout public and private companies in the United States. More than 370 board members and executives across [...]

More Reason for Cyber Liability Insurance: Hotel Mobile Bookings to Spike in 2014

Last month in our blog, in our discussion on cyber risk management, we cited that hotels and motels accounted for 9% of all data breaches last year. This figure is according to data made available in Trustwave’s 2013 Global Security Report. With the rise in mobile use for hotel bookings, increased implementation of cloud computing, [...]

Boomers Reshaping Senior Living Properties

In the past, we’ve addressed how retiring Baby Boomers are setting some new real estate trends when it comes to senior living with low-maintenance homes in active communities. A recent article in Multi-Housing News underscores how this population is indeed reshaping senior living now and into the future. Boomers are looking for independence when searching [...]

Cyber Risks, Data Breaches on the Rise; More Purchasing Insurance to Cover Exposure

Whether it’s a large corporation, a government agency, or small business, news of cyber security risks today is an everyday occurrence. Recently, the New York Times website was maliciously attacked by a group known as the “Syrian Electronic Army”, and although this isn’t what most companies have to worry about, it is a new twist [...]

Hot Spots for Senior Living Housing Brings Opportunity for Niche Marketing

With so many Baby Boomers set to retire and the senior living housing landscape changing to meet the requirements of a new generation age 55+, real estate developers are looking at several areas for growth. According to an article by Senior Housing News, developers, operators and entrepreneurs have shown “strong interest” in the following five markets so far in [...]