Archive | February, 2012

“[Update] ‘Zipped Up: The California Supreme Court Has Ruled That Retailers Are Prohibited From Recording Consumers’ ZIP Code Information in Credit Card Transactions’”

A year ago, the California Supreme Court issued Pineda v. Williams-Sonoma Stores, Inc., No. S178241, 2011 Cal. LEXIS 1355 (Cal. Feb. 10, 2011), a case regarding zip codes and personally identifiable information that created quite a buzz in the press and among people who follow privacy and insurance coverage issues.  The court addressed issues relating to […]

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Not taking risk exposes you to the greatest risk of all…

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 […]

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“A Lawyer’s Advice for Evaluating Your Cyber Coverage”

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 […]

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What is the Cost of Solvency?

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 […]

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Officer Exclusions in Workers’ Compensation

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 […]

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