• 30
  • Aug2018

What is a High Deductible Workers Comp Program

As its name denotes, a high deductible workers comp policy or program is a method of insuring workers compensation risk with the employer assuming some of that risk in a deductible of $100,000, $250,000 or even higher per claim, and an insurer taking the remaining risk on. These types of policies are reserved for larger employers

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  • 23
  • Aug2018

Risk Transfer and Indemnity Agreements

In the past we have written about the need for every business, regardless of size, to have a risk transfer plan in place and to be strategic about indemnity agreements.  To understand this a bit further, let’s first define in basic terms what each of these elements of the conversation are. Let’s start with risk transfer. 

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  • 20
  • Aug2018

Why Aren’t YOU Buying Cyber Insurance?

As an insurance broker, I have often experienced small and medium sized business owners very reluctant to purchase cyber insurance; even though the cyber related risk seems very apparent.  So, I found a recent study published by Chubb Insurance on why decision makers may think cyber protection is unnecessary, interesting. The majority of respondents in this

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  • 06
  • Aug2018

What Is a Warranty Statement

What is the Warranty Statement on a D&O or Employment Practice Liability Policy? I’ve been asked on several occasions when a client is applying for Employment Practice Liability Insurance (EPLI) or Directors & Officers Insurance (D&O) if a potential claim or “situation” in the past would be covered by their new policy?  This article will explore

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