Articles

Builders Risk – How to Structure the Best Program

A construction contract will almost certainly specify who will supply the Builder’s Risk Insurance coverage for any construction project. This could be the projects owner, general contractor or sub-contractor.

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Earthquake Insurance – Setting Limits

One of the most frequently asked questions we hear from clients is “ how much earthquake coverage do I need?” Many factors typically go into the decision when trying to decide how much coverage to buy.

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Thinking about Self Funding?

When health insurance premiums continue to increase at a rate in excess of general inflation or wage increases, many employers ask us whether self-insuring their health plan makes sense for them.

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Transitional Duty Programs – Key to Workers’ Compensation Claims Management and Cost Control

Many employers struggle with how to effectively manage workers’ compensation claim costs and loss of employee productivity when an employee suffers a prolonged absence from work due to an on-the-job injury.

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Non Profit Directors – Risk Management Items to Understand and Consider When Sitting on Outside Boards

When asked to participate on a nonprofit board; typically; the first reaction is to be flattered that someone would want our participation and the second reaction is to agree because it meets a personal or professional goal.

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Does Your Healthcare Facility’s Insurance Program Protect Against Loss of Private Information

Few CEOs, CFOs or risk managers are able to appropriately respond to this question from their Board of Directors unless the facility has previously suffered such a loss.

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Replacement Cost Valuations Versus Market Value

Property owners face a growing dilemma as to how they should provide accurate replacement cost values to their insurance company when market values are declining.

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Insurance Issues with Vacant or Unoccupied Buildings

In the last year, the world has seen unprecedented economic issues and depending on the economist or forecaster the country is either starting to rebound or just getting ready for the next wave of commercial property foreclosures.

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Protecting What’s More Valuable Than Money From Cyber-Thieves

A criminal indictment announced last week charged three people with the largest hacking and identity-theft case in history. In addition, 30 civil lawsuits have been filed against one of the hacked companies, Heartland Payment Systems.

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Insurance Strategies in a Recession

In these current economic times, with stiff competition for work, cost cutting is a top priority for contractors. One of the areas that many companies will look at to save costs is their insurance.

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Corporate Governance and Risk Management for Financial Institutions: The Broker’s Role

The FDIC expects more bank failures as the financial crisis continues. On May 27th the FDIC released the Quarterly Banking Profile that represents a report card on the industry status and performance.

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