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    • 29
    • Aug2017

    The Protective Safeguards Endorsement

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    The Protective Safeguards Endorsement
    Many commercial property policies and business-owners policies (BOP) contain a version of the Protective Safeguards Endorsements when the policy holder is receiving a credit for having an alarm system, sprinkler system, security service, or in a restaurant a hood and duct extinguishing system.  The ISO (Insurance Services Office) form number is CP 04 11 10 12.

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    • 29
    • Aug2017

    What is D&O Insurance?

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    What is D&O Insurance?
    Directors and Officers Liability Insurance is often referred to as D&O Insurance and is one segment of Management Liability Insurance. It provides coverage for the directors, officers, and owners and managers of a business for the liability they may incur for their "wrongful acts" while carrying out their duties.  Because owners, directors and officers of a business

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    • 29
    • Aug2017

    How The Root Cause Analysis Can Uncover Claim Drivers

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    How The Root Cause Analysis Can Uncover Claim Drivers
    When I’m working with a new client that is struggling with claims problems – usually related to workers comp or business auto, we’ll talk about what’s causing the losses.  I’ll often hear: “well, they’re just accidents, they just happen, it’s nobody’s fault”; but actually claims don’t “just happen”, there’s a reason why they happen in almost

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    • 29
    • Aug2017

    How an Accidental Release of Data Could Cost Tens of Millions

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    How an Accidental Release of Data Could Cost Tens of Millions
    Not all data breaches are acts of nefarious players On Saturday July 22, 2017 The New York Times ran a story on a “Trove of Confidential Data” which was accidentally released by an attorney working for Wells Fargo.  The magnitude of the data is enormous, and is estimated to contain financial information for “at least 50,000

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    • 29
    • Aug2017

    Drug use further reduces the number of eligible workers

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    Drug use further reduces the number of eligible workers
    An article in the New York Times (July 25, 2017) featured a conversation about a manufacturing in Youngstown, Oho and the search for qualified workers.  Employers in that region are having a hard time filling job openings, and it’s not due to the education or skills gap we often hear about.  It’s because in many cases

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