Midsized business in the standard insurance market have been forced to accept 10-20% annual rate increases in their health insurance premiums each year for the last several years. If your business does not grow at a rate that outpaces this trend, the very viability of your business is at risk.

You can either take on [...]

I recently wrote an article titled, “A Lawyer’s Advice for Evaluating Your Cyber Coverage:  Policies vary significantly from carrier to carrier—and even within the various forms of one company.”  It has been published on the Property Casualty 360° website, republished from the February 6, 2012 issue of National Underwriter. In the article, I discuss insurance coverage for data breaches, cyber [...]

The Cost of Solvency…

New York WC Self Insured Groups
The news out of the Empire State frequently includes big numbers. Sometimes that is good like a slugger’s batting average and sometimes it’s not like workers compensation claim costs. For self insured workers compensation groups, the numbers have been bad for quite awhile. The estimate of unfunded [...]

I’ve noticed that most prospective workers’ comp clients who contact me have the officers of the corporation or the business owner excluded under their workers’ compensation coverage. I would like to make two cases against this practice.

#1 If an officer is excluded from work comp, it means exactly that, they are excluded from any coverage [...]

In her article, Cloud computing risks generally covered by cyber insurance, Business Insurance author Judy Greenwald writes about cloud computing and whether risks associated with the cloud might be covered by cyber insurance. The article opens: Insurance coverage for cloud users generally falls under firms’ cyber risk policies, observers say. That’s because cyber policy language generally is broad enough to cover [...]

A coalition is an alliance among individuals or groups, during which they cooperate in joint action, each in their own self-interest, joining forces together for a common cause. Labor and management in the building trades of West Virginia have done exactly that in their joint effort to control the costs of workers’ compensation insurance. Recognizing [...]

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Jan. 2012 OSHA Update:          OSHA 300A Forms

(summary of workplace related injuries and illnesses)

must be posted from 2/1/12 to 4/30/2012.

OSHA 300 & 300A Fillable Forms

(1)  Posters cannot be put in a binder but must be posted.

(2)  Posters must be posted in the required sizes.

It is the right of your [...]

Why Self Insured Groups may not be the answer for your firm.

Recently I have been made aware of a couple of burgeoning Self Insured Groups (SIG’s) that are active in the Central San Joaquin Valley. One of them is Agriculture specific, and has had success in the Farm Labor Contractor market locally.

When premiums start to [...]

My friend, Christine Marciano, who is President, Cyber Data Risk Managers, just released her 2012 Data Privacy and Information Security Predictions. The report is an interesting series of predictions on what 2012 will hold in the areas of privacy and cyber risks. Here is how Christine describes the report: This is our first Data Privacy [...]

Looking for a fantastic seminar devoted to risk and insurance?  Are you a risk manager?  Are you part of the insurance industry?  Are you someone who helps companies get their claims covered and paid (that’s me! that’s me!)? Of course, then, you want to attend a risk management seminar with “no boundaries.”  Well, look no [...]