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November 13, 2019

With data security and cyber crimes presenting a real threat to all operations - businesses need to implement a variety of protective measures and mitigation strategies. Firewalls, password requirements, encryption, approved vendor lists, call backs & double checks, th...

October 24, 2019

IAQ issues are possible in any indoor environment and can be from internal or external sources. The following are some IAQ causes: poorly or inadequately designed or maintained HVAC system, neighboring facility, new furnishings, or contractor activities.

Exist...

June 19, 2019

With underwriting performance deteriorating across several critical lines of insurance and insurers focused on emerging risks, insurers and reinsurers are pushing for larger and continued rate increases. We've recently experienced several consecutive quarters of increm...

May 28, 2019

Cyber attacks and ' spear phishing ' are the focus of many articles. We recently breezed Targeted Cyber Attacks Are Rapidly Increasing in 2019 by James L Pray, on www.BestLawyers.com. This provided a clear overview of a specific danger when you've had your credentials...

March 24, 2019

Our office spends time [each week] examining the insurance industry; discussing past, present, and future. We're not always happy with the observations and comments - - in fact, we can be quite critical of our own industry. This 'round table' time is used to identify e...

January 26, 2019

Nearly half the states in the USA maintain a law related to data security practices of private entities - and to no surprise we're going to see this number increase. 

New Jersey may be the next state to join the list, with the bill applicable to businesses having of fiv...

January 22, 2019

Risk managers and insurance buyers having California exposures have undoubtedly considered the risk of Earthquake... with many having purchased the coverage. Risk based decisions, including insurance buying, are all about identifying the exposures and associated risks,...

October 11, 2018

Increased connectivity allows for faster expanded reach when sourcing materials and real time tracking can aid businesses in better allocation of financial resources. As a consequence businesses can maintain lower inventories, raw materials, and components that may exc...

June 29, 2018

Businesses have different risk profile, risk appetite, purchasing habits, and decision making criteria, however several constants in business and industry can help hone a focus on several key insurance coverages for all businesses.

1. You will need to add someone as add...

March 18, 2018

Property policies cover damage or loss to property insured. Preferably at replacement cost... and hopefully with a suspension of coinsurance or any insurance to value provision. 

Important to note:

1. Replacement cost is the cost to reconstruct the insured structure as a...

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Insurance for the CPI is overwhelming for both buyers and brokers. It was noted in an International Risk Management Institute article that,

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Chemical Process Firms and Their Insurance

October 24, 2017

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