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  • Get a Head Start on Your Spring Cleaning, NOW!

    Insurance
    Fran Shaw
    27 Mar 2015 | 5:39 am
    No one enjoys cleaning, but admit it: you feel like you’ve accomplished something when everything in the house shines and subtle scents of cleaning supplies are in the air. Living in a clean, organized environment just feels good! With spring upon us, we thought we’d give you our best tips on spring cleaning. Start with the Kitchen The kitchen is probably the most frequently used room in your house, and the dirtiest! So get the toughest job out of the way first, and the rest of the house will be a breeze. Begin with your stove, as it’s used all the time, and consequently…
  • 11 ways good drivers lose their licenses

    Insurance.com Articles
    24 Mar 2015 | 9:10 am
    A driver's license suspension has become a one-size-fits-all punishment for a variety of offenses that have nothing to do with driving.
  • Spruce Up Your Home and Insurance Coverage This Spring

    Home Insurance Blog
    Shannon Ireland
    17 Mar 2015 | 10:54 am
    How spring cleaning originated might be debatable. But since the 19th century – – well before the vacuum cleaner debuted – Americans informally designated March as the best time to clean homes. Why? Because it was warm enough to leave windows and doors to be left open – allowing the wind to blow dust from the home – but still too early for insects to be an issue. Or so the story goes. No matter how it started, spring cleaning can be cathartic.  That’s because it’s a time of opportunity: cleaning, yes, but also making your home greener, tackling that DIY…
  • The Five Most Important Questions To Ask Your Insurance Provider

    Enhanced Insurance
    Jonathan Farris
    24 Mar 2015 | 8:01 am
    When I was asked to write a “most important” blog about personal lines insurance, I was a bit overwhelmed. Lists, which I use for darned near everything, are incredibly handy. But a generalized insurance list? Where would I start? Should I write about auto insurance, homeowner insurance or umbrella insurance? And how in the world will I choose THE five most important questions you should ask when purchasing new personal lines insurance coverage? Being a list user, I began to write down potential questions for this project. As I reached the end of page three I began to think, “this…
  • Direct vs. Agents vs. Independent Agents vs. Brokers -- Where Should You Buy Car Insurance?

    Shift Insurance Blog
    12 Mar 2015 | 11:15 am
    At last count, nearly 39 million people called California home, and if any of them want to hit the road, they're required to buy car insurance.  That's why you see so many buying options out there! But which way is the RIGHT way to buy car insurance?  What type of professional should you buy it from, and who's going to give you the best deal? In order to answer those questions, you need to understand that there are four ways to buy car insurance in California -- directly from the carrier, through an agent, through an independent agent, and through a broker. Here are the pros and…
 
 
 
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    Specialty Insurance Blog

  • 2014 Cyber Risk Breaches – A Big Step Upwards

    Specialty Insurance Blog
    31 Mar 2015 | 7:00 am
    The 2014 Breach Level Index Report (here) shows that by all measures breaches were up significantly in 2014. Data breaches totaled 1,540, up 46% from the 1,056 in 2013. And records breached rose 78%, from ~575 million records to 1,023,108,267 records breached in 2014. The Ponemon Institute reached the same conclusion, calling 2014 the year of the mega breaches (see here). The primary source of breaches did not change much – 55% from malicious outsiders in 2014 and 57% in 2013. In second was accidental loss at 25%. But the nature of breaches shifted (see here): Many of the breaches in 2014…
  • Email Piracy – Using Email to Steal Money

    Specialty Insurance Blog
    24 Mar 2015 | 7:30 am
    Hackers are now using email in different and creative ways to steal money from small businesses – Email Piracy – so make sure your Cyber Risk Insurance covers this type of loss. Email Piracy is a new trend and is simpler than bank account takeover (discussed previously here), where a hacker will gain control of a company’s bank account. How Email Piracy Works: First, hackers gains access to an email account, typically through phishing. Phishing is getting a victim to click on a link or an email attachment in order to install some sort of malware. The malware allows the hacker to steal…
  • Healthcare Data Breach & Cyber Risk Insurance

    Specialty Insurance Blog
    12 Mar 2015 | 7:40 am
    Healthcare organizations have significant cyber risk exposure, as demonstrated by the Anthem breach, and should carry Cyber Risk Insurance. Smaller healthcare organizations also have significant exposure and breaches can develop in unexpected and unusual ways. A recent breach at the Indiana State Medical Association (ISMA) resulted in the loss of approximately 39,000 healthcare records including social security numbers and personal medical histories. The breach was the result of the theft of two hard drives being transported as part of the organizations disaster recovery program. The theft…
  • Cyber Risk Insurance & Insurance Agent Training

    Specialty Insurance Blog
    10 Mar 2015 | 7:00 am
    Cyber Risk insurance has become a critical coverage for virtually all organizations, but the coverage is new, varies between insurers and continues to change. How does an insurance agent or broker keep up to best support his or her customers? Work with an expert: An expert, such as Tennant Risk, can provide the technical support needed to identify the most comprehensive coverage and competitive terms in the market, and add insight to assessing the best coverage fit with the customer’s exposure. Get educated: Significant educational material on Cyber Risk exposures, market and coverages is…
  • The Art of Schmoozing – Updated

    Specialty Insurance Blog
    5 Mar 2015 | 12:41 pm
    One of our favorite posts is The Art of Schmoozing by Guy Kawasaki (see our prior post). He has update his original post, where are here, here and below, with some moderate and modern changes (here). The Art of Schmoozing, By Guy Kawasaki Building relationships can pay off in sales and partnerships. The key is to establish a relationship before you need it. And this is why I’d like to provide the art of schmoozing. 1. Understand the goal. Darcy Rezac in his book, The Frog and the Prince, wrote the world’s best definition of schmoozing: “Discovering what you can do for someone else.”…
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    Work Comp Roundup

  • Is Injury Sliding Into Home Plate Workers Comp?

    Michael B. Stack
    31 Mar 2015 | 6:30 am
    Spring is almost here and with the changing of the seasons comes picnics, softball games, corporate retreats and golf outings.  When all the attendees are employees and an injury occurs, is it covered by workers’ compensation?  “It depends” is the answer the claims adjuster or corporate counsel will give you.     Criteria To Determine If Covered By Workers Compensation   In order to determine if workers’ compensation is applicable, the adjuster will have to ask a lot of questions.  While the criteria may vary from state to state, the following are general guidelines…
  • Victorian (Australia) Workplaces Seek Better Safety

    Kori Shafer-Stack
    31 Mar 2015 | 5:30 am
    A total of 23 people died in Victorian (Australia) workplaces last year, according to provisional figures released recently by the WorkSafe Victoria (WorkSafe).   Seven of those deaths occurred in the final two months of the year.   WorkSafe Executive Director of Health and Safety, Len Neist, said families and fellow workers of those tragically lost in 2014 face a sad start to 2015.   “Our message to all Victorians is a simple one – please make workplace safety a priority,” he said.   “While the number of injuries at workplaces is declining, fatalities are still…
  • 6 Things Employers Should Do To Avoid A ProPublica Report

    Rebecca Shafer, J.D.
    30 Mar 2015 | 9:27 am
    The reports from ProPublica are the result of employers not managing workers compensation. Here are 6 things employers can do to take control and avoid being included in the next report.   Contact employees within a week or two after the injury to do a SURVEY of their medical and claims adjuster experience. Speak to them via phone. Just like one would ask a good customer about their experience, Jennifer Christian, MD’s, Webility Corp Staff, contacts employees to find out if each injured worker felt their care was poor, fair, good, excellent. Often poor treatment by medical…
  • Wisconsin Employer Saw High Volume of Workplace Injuries

    Kori Shafer-Stack
    27 Mar 2015 | 5:30 am
    One workplace injury is one too many, but one Wisconsin employer saw a rash of injuries over a three-and-a-half year timetable.   In a three-and-a-half year period, 4,500 employees at Ashley Furniture Industries Inc., in Arcadia, experienced more than 1,000 work-related injuries.   One worker became another terrible statistic when he lost three fingers in July 2014 while operating a dangerous woodworking machine without required safety mechanisms in place. Of the injuries recorded, more than 100 were caused by similar machinery.   After the incident, the U.S. Department of…
  • Get the Best from an Independent Medical Examination

    Michael B. Stack
    26 Mar 2015 | 6:30 am
    Nothing is more exasperating than to have an Independent Medical Examination challenged or disregarded in a claim where a medical controversy exists.  These examinations can cost thousands of dollars for the examination visit and several more thousand dollars if the doctor testifies.   Challenges occur due to timeliness, improper foundation of information, improper doctor choice for the examination, lack of testing by the examining doctor, improper direction or no direction by the adjuster or medical manager for necessary results to meet objective of the controversy and the local state…
 
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    Colorado Health Insurance Insider

  • House Approves Medicare SGR Replacement; Senate to Vote in Two Weeks

    Louise Norris
    30 Mar 2015 | 9:02 am
    Last week, the US House of Representatives overwhelmingly approved HR2, the legislation to repeal the Medicare Sustainable Growth Rate (SGR) and eliminate the need for an annual “doc fix”.  The bill also extends the Children’s Health Insurance Program for another two years, and provides $7 billion in funding to support community health centers (this simply keeps community health center […] The post House Approves Medicare SGR Replacement; Senate to Vote in Two Weeks appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost…
  • Spring Break Health Wonkery

    Louise Norris
    27 Mar 2015 | 10:06 am
    Jennifer Salopek hosted the Health Wonk Review this week at Wing of Zock, and there’s lots of good weekend reading in this spring break edition.  Several posts stood out as excellent – here are some of my favorites: Shea McCarthy has an excellent piece at Healthcare Lighthouse, explaining the SGR deal that overwhelmingly passed the […] The post Spring Break Health Wonkery appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Colorado clarifies that grandmothered plans must end by December 31 – is exchange revenue a factor?

    Louise Norris
    20 Mar 2015 | 5:34 pm
    Last week, Colorado regulators announced that they won’t allow transitional (“grandmothered”) health plans to renew again at the end of this year, and that all non-ACA-compliant plans (unless they’re grandfathered) will end no later than December 31, 2015 and will need to be replaced with ACA-compliant coverage.   Grandfathered Plans Grandfathered plans are those that were […] The post Colorado clarifies that grandmothered plans must end by December 31 – is exchange revenue a factor? appeared first on Colorado Health Insurance Insider - Colorado Health…
  • Health wonks in the melting snow

    Louise Norris
    12 Mar 2015 | 7:53 pm
    Brad Wright hosted the Health Wonk Review today at Wright on Health, and it’s an outstanding edition.  It also has a cheery series of pictures that beautifully illustrate the transition from winter to spring – nicely done Brad! There are so many great articles in this edition, it’s hard to pick a favorite.  But there are […] The post Health wonks in the melting snow appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • No Tax Season Special Enrollment Period In Colorado

    Louise Norris
    10 Mar 2015 | 6:16 pm
    A few weeks ago, the federal government announced that people in the 37 states that use Healthcare.gov would have access to a tax season special enrollment period (SEP) if they were unaware of the ACA’s penalty for being uninsured, and found out about it at the time they filed their taxes – which could be up to […] The post No Tax Season Special Enrollment Period In Colorado appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
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    Home Insurance Blog

  • Make Buying a Home a Slam Dunk

    Shannon Ireland
    24 Mar 2015 | 3:26 am
    Buying a home and college basketball – two topics you would think have nothing in common, right? Wrong. From the time you decide that you want to buy a home to the moment you sign on the dotted line, the process actually can be pretty similar to a game of college basketball. Practice makes perfect Every basketball team spends time practicing plays, watching game tapes to correct past mistakes, and mentally preparing to take on its next opponent. When you’re in the market to buy a home, you also should do your research. Look up listings, talk to your family about the features you want in a…
  • Spruce Up Your Home and Insurance Coverage This Spring

    Shannon Ireland
    17 Mar 2015 | 10:54 am
    How spring cleaning originated might be debatable. But since the 19th century – – well before the vacuum cleaner debuted – Americans informally designated March as the best time to clean homes. Why? Because it was warm enough to leave windows and doors to be left open – allowing the wind to blow dust from the home – but still too early for insects to be an issue. Or so the story goes. No matter how it started, spring cleaning can be cathartic.  That’s because it’s a time of opportunity: cleaning, yes, but also making your home greener, tackling that DIY…
  • March and Its Evil Twist

    Shannon Ireland
    13 Mar 2015 | 7:39 am
    March can be such an exciting month – spring is officially upon us and your winter woes are fading. But the month also carries some negatives. It marks the beginning of tornado season in the United States. Tornadoes – some still call them twisters – can strike through August, depending on the part of the country in which you reside. With the season just getting started, it’s a good time to review your homeowners insurance policy and talk to your provider about whether your coverage is adequate. The basics of insuring your home against tornadoes Standard insurance policies…
  • Spring Break, Not Spring Broken

    Shannon Ireland
    6 Mar 2015 | 10:29 am
    The high from the holidays has worn off and now you’re in a slump. Warmer weather is just around the corner, but you need a vacation now. The solution? Spring break. It’s time to pack up the car for a road trip or hop on a plane to escape reality for a week. Whether you plan to visit the beach or snow-covered mountains, keep these safety tips in mind. Before you back out the driveway … Road trips are a blast, and they’re a great way to bond with friends and family. But here are a few precautions you should take beyond obeying traffic laws: Have your car serviced. Get your oil changed…
  • Taking the Plunge: Risk vs. Reward

    Arthur Murray
    27 Feb 2015 | 7:50 am
    To our readers: This is the winning essay in the HomeInsurance.com scholarship competition. It was submitted by Cynthia Lam, a senior at Washington and Lee University in Lexington, Va. We are proud to award her a $1,000 scholarship. “Jump!” “You can do it!” “Remember… you only live once!” I stared down at the murky lake water, where I was about to spend the next half-hour submerged in its depths. I adjusted my scuba gear and gulped. I am not exactly what you would call a ‘daredevil.’ Like many people, I have a healthy fear of spiders, rejection, extreme heights, and…
 
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    Insurance Law Hawaii

  • Absence of Property Damage During Policy Period Equates to No Coverage

    Tred Eyerly
    30 Mar 2015 | 3:01 am
       The Montana Supreme Court determined there was no coverage for the insured due to a lack of property damage during the policy period. Truck Ins. Exchange v. O'Mailia, 2015 Mont. LEXIS 54 (Mont. Feb. 17, 2015).   The insured plumbing company, Lolo Plumbing & Heating, installed a water heater at Famous Dave's restaurant. At the time of installation, the insured had a CGL policy with Truck. The policy provided coverage from July 10, 2006 to November 29, 2009.     On March 12, 2010, three years after the water heater was installed, a burning smaell was detected in the…
  • BP Is Not An Additional Insured Under Transocean's Policy

    Tred Eyerly
    25 Mar 2015 | 3:01 am
       Responding to a certified question from the Fifth Circuit, the Texas Supreme Court determined that BP was not an additional insured under Transocean's liability policy and had no coverage under the policy for the deaths caused by the explosion of the Deepwater Horizon. In re Horizon, 2015 Tex. LEXIS 141 (Tex. Feb. 13, 2015). We have previously posted on this case in the federal courts here and here.    Transocean owned the Deepwater Horizon, a mobile offshore drilling unit operating in the Gulf of Mexico pursuant to a contract with BP. After an explosion in April 2010, the…
  • Business Interruption Claim Upheld

    Tred Eyerly
    23 Mar 2015 | 3:01 am
       A business interruption claim survived an appeal after it was determined the claim was satisfactorily presented to the trial court. Citadel Broadcasting Corp. v. Axis U.S. Ins. Co., 2015 La. App. LEXIS 274 (La. Ct. App. Feb. 11, 2015).    When Hurricane Katrina hit on August 29, 2005, the insured owned three radio stations that broadcast in and around New Orleans. All three stations suffered property damage and were off the air for varying periods of time.     The insured's policy with Axis covered both physical damage and business interruption (BI) losses. The policy also…
  • Earth Movement Exclusion Bars Coverage

    Tred Eyerly
    18 Mar 2015 | 3:01 am
       Damage to the YMCA recreation center was not covered due to application of the earth movement exclusion. YMCA of Pueblo v. Secura Ins. Co., 2015 U.S. Dist. Lexis 15249 (D. Colo. Feb. 6, 2015).     On October 11, 2013, the insureds discovered a leaking water line in the men's shower, where one of the shower's on/off valves had detached from the water pipe behind the wall. The leak was repaired the same day.    On October 13, 2013, the pool deck near the therapy pool and surrounding block walls shifted and collapsed. The insurer admitted there was damage to the property.
  • Connecticut Court Finds Anti-Concurrent Causation Clause Enforceable

    Tred Eyerly
    16 Mar 2015 | 3:01 am
       Canvassing both case law and scholarly authority, the court determined that the anti-concurrent cause (ACC) provision barred coverage for loss caused by Tropical Storm Irene. Lombardi v. Universal N. Am Ins. Co., 2015 Conn. Super. LEXIS 138 (Conn. Super. Ct. Jan. 21, 2015).     Tropical Storm Irene caused the insured's home to shift and move from its concrete pier foundation. The house later had to be demolished.     The insurer's expert concluded that the house was removed from the foundation by storm surge and not by wind. The damage caused by wind was limited to 24…
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    WordPress Tag: Auto Insurance

  • Prepare Your Car Exterior for Winter

    keycityinsurance
    9 Mar 2015 | 10:19 am
    If you live in climates with colder weather during the winter, you should start winterizing the exterior of your car. The exterior? Yes, winterizing the exterior of your car is just as important as winterizing the engine of your car. Why? Winter can be harsh on the exterior of your car, and that damage can lead to rust. The rust can lead to your car not lasting as long as it should. Winterizing the exterior of your car can help you avoid having to repaint your car or have parts on the underside replaced. How does this relate to car insurance? When you keep your car for several years, each…
  • how can i choose a Credit Card In the UK

    muhammadtajamalusmanmuhammadtajamalusman
    7 Mar 2015 | 7:40 am
    If the credit card companies and credit cards in the world. Some credit card companies that are on the cards for a particular country or region offer. If you live in the UK then you have credit cards that are available so you may need a little information. Get your credit cards in the UK than any other credit card are no different. Credit card companies a specific time period, no annual fee, 0% APR way to get customers to offer special incentives, and also online who may be eligible to apply for credit cards. Many credit card companies based in the UK due to security reasons, do not give your…
  • Google Providing Auto Insurance Quotes In California; May Foreshadow Move To Underwrite Own Policies

    carloscbs5
    5 Mar 2015 | 3:15 pm
    SAN FRANCISCO (CBS/AP) — Google is helping California drivers shop for car insurance as part of a new service that could foreshadow the Internet company’s latest attempt to shake up a long-established industry. The feature unveiled Thursday compares auto insurance quotes from up to 14 carriers that are participating in the comparisons. The policies can then be bought online or through an agent. Google will receive a cut from the insurance sales. The Mountain View company says the size of the commissions won’t influence how it ranks the price quotes. Google has been providing…
  • 3 Things You Should Expect From Your Insurance Agent

    shawnwilson
    5 Mar 2015 | 10:17 am
      Being an insurance agent is fun. I get to meet knew people pretty much everyday, help people, and work my own schedule.  There is a lot of work that is involved but it is a fun and rewarding career.  However, like many of you I have met those insurance agents that are flashy, hard to get a hold of, and just “in it for the money.”  They give our industry a bad name. If you have run into one of these types of insurance agents or you are not happy with your current agent (for whatever reason) and your wondering what you should be looking for I thought I would help. 3 Things…
  • TIPS TO SPEND A HAPPY AND SUCCESSFUL LIFE (Decreased Spending)

    muhammadtajamalusmanmuhammadtajamalusman
    5 Mar 2015 | 9:29 am
    Decreased Spending From the beginning it may appear hard to point of confinement spending and stick to a financial plan, however there are a couple of viable changes that you can make daily that will cut your spending more than you anticipate. Firstly, adjust credit auto conduct. Begin to pay money at whatever point conceivable. This will help you abstain from making a buy unless you really have the cash accessible. On the off chance that you choose to make a Visa buy, be arranged to pay the offset off month to month. This will spare a considerable measure of cash through evading premium…
 
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  • Owner shocked by value of family portrait

    31 Mar 2015 | 8:33 am
    Owner shocked by value of family portrait PBSTy Dodge brought in a painting of his great-grandfather to 'Antiques Roadshow' and was totally blown away by the appraiser's estimate.Price 100x what he had expectedMore to seeMusic cats prefer during surgerySleep could change your love life
  • Patriots owner takes stand at Hernandez trial

    31 Mar 2015 | 8:33 am
    Patriots owner takes stand at Hernandez trialAPRobert Kraft gave first-hand testimony of his encounter with the former New England star in the aftermath of Odin Lloyd's murder.Surreal exchange he shed light onMore sports coverageBrowns GM fined, suspendedMurky future for OKC Thunder
  • The top you didn't know you needed

    31 Mar 2015 | 8:33 am
    The top you didn't know you neededJoyusSilk is right up there with cashmere when it comes to luxury, but now it's practical too! This top is so versatile, you'll wear it all the time.Exclusive piece is 20% off todayMore videos to shop'It' girl sweater you'll loveFirming, plumping miracle gel
  • Police hunt Va. fugitive who fled hospital armed

    31 Mar 2015 | 8:33 am
    Police hunt Va. fugitive who fled hospital armedAPOne shot was fired early Tuesday as a guard wrestled with a prisoner who ultimately managed to escape, setting off a massive manhunt.String of crimes man is accused ofMore in the newsDid a wrong turn cause shooting?Tsarnaev defense faces trouble
  • ISIS militants reeling as Iraqi forces move in

    31 Mar 2015 | 8:33 am
    ISIS militants reeling as Iraqi forces move inGettyIraq's prime minister said Tuesday that government troops had reached the center of Tikrit in a push to retake the city.Grim reports of extremist atrocitiesMore in the newsBusinesses bail on IndianaAriz. governor signs abortion bill
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  • Owner shocked by value of family portrait

    31 Mar 2015 | 8:33 am
    Owner shocked by value of family portrait PBSTy Dodge brought in a painting of his great-grandfather to 'Antiques Roadshow' and was totally blown away by the appraiser's estimate.Price 100x what he had expectedMore to seeMusic cats prefer during surgerySleep could change your love life
  • Patriots owner takes stand at Hernandez trial

    31 Mar 2015 | 8:33 am
    Patriots owner takes stand at Hernandez trialAPRobert Kraft gave first-hand testimony of his encounter with the former New England star in the aftermath of Odin Lloyd's murder.Surreal exchange he shed light onMore sports coverageBrowns GM fined, suspendedMurky future for OKC Thunder
  • The top you didn't know you needed

    31 Mar 2015 | 8:33 am
    The top you didn't know you neededJoyusSilk is right up there with cashmere when it comes to luxury, but now it's practical too! This top is so versatile, you'll wear it all the time.Exclusive piece is 20% off todayMore videos to shop'It' girl sweater you'll loveFirming, plumping miracle gel
  • Police hunt Va. fugitive who fled hospital armed

    31 Mar 2015 | 8:33 am
    Police hunt Va. fugitive who fled hospital armedAPOne shot was fired early Tuesday as a guard wrestled with a prisoner who ultimately managed to escape, setting off a massive manhunt.String of crimes man is accused ofMore in the newsDid a wrong turn cause shooting?Tsarnaev defense faces trouble
  • ISIS militants reeling as Iraqi forces move in

    31 Mar 2015 | 8:33 am
    ISIS militants reeling as Iraqi forces move inGettyIraq's prime minister said Tuesday that government troops had reached the center of Tikrit in a push to retake the city.Grim reports of extremist atrocitiesMore in the newsBusinesses bail on IndianaAriz. governor signs abortion bill
  • add this feed to my.Alltop

  • Owner shocked by value of family portrait

    31 Mar 2015 | 8:33 am
    Owner shocked by value of family portrait PBSTy Dodge brought in a painting of his great-grandfather to 'Antiques Roadshow' and was totally blown away by the appraiser's estimate.Price 100x what he had expectedMore to seeMusic cats prefer during surgerySleep could change your love life
  • Patriots owner takes stand at Hernandez trial

    31 Mar 2015 | 8:33 am
    Patriots owner takes stand at Hernandez trialAPRobert Kraft gave first-hand testimony of his encounter with the former New England star in the aftermath of Odin Lloyd's murder.Surreal exchange he shed light onMore sports coverageBrowns GM fined, suspendedMurky future for OKC Thunder
  • The top you didn't know you needed

    31 Mar 2015 | 8:33 am
    The top you didn't know you neededJoyusSilk is right up there with cashmere when it comes to luxury, but now it's practical too! This top is so versatile, you'll wear it all the time.Exclusive piece is 20% off todayMore videos to shop'It' girl sweater you'll loveFirming, plumping miracle gel
  • Police hunt Va. fugitive who fled hospital armed

    31 Mar 2015 | 8:33 am
    Police hunt Va. fugitive who fled hospital armedAPOne shot was fired early Tuesday as a guard wrestled with a prisoner who ultimately managed to escape, setting off a massive manhunt.String of crimes man is accused ofMore in the newsDid a wrong turn cause shooting?Tsarnaev defense faces trouble
  • ISIS militants reeling as Iraqi forces move in

    31 Mar 2015 | 8:33 am
    ISIS militants reeling as Iraqi forces move inGettyIraq's prime minister said Tuesday that government troops had reached the center of Tikrit in a push to retake the city.Grim reports of extremist atrocitiesMore in the newsBusinesses bail on IndianaAriz. governor signs abortion bill
 
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  • Owner shocked by value of family portrait

    31 Mar 2015 | 8:33 am
    Owner shocked by value of family portrait PBSTy Dodge brought in a painting of his great-grandfather to 'Antiques Roadshow' and was totally blown away by the appraiser's estimate.Price 100x what he had expectedMore to seeMusic cats prefer during surgerySleep could change your love life
  • Patriots owner takes stand at Hernandez trial

    31 Mar 2015 | 8:33 am
    Patriots owner takes stand at Hernandez trialAPRobert Kraft gave first-hand testimony of his encounter with the former New England star in the aftermath of Odin Lloyd's murder.Surreal exchange he shed light onMore sports coverageBrowns GM fined, suspendedMurky future for OKC Thunder
  • The top you didn't know you needed

    31 Mar 2015 | 8:33 am
    The top you didn't know you neededJoyusSilk is right up there with cashmere when it comes to luxury, but now it's practical too! This top is so versatile, you'll wear it all the time.Exclusive piece is 20% off todayMore videos to shop'It' girl sweater you'll loveFirming, plumping miracle gel
  • Police hunt Va. fugitive who fled hospital armed

    31 Mar 2015 | 8:33 am
    Police hunt Va. fugitive who fled hospital armedAPOne shot was fired early Tuesday as a guard wrestled with a prisoner who ultimately managed to escape, setting off a massive manhunt.String of crimes man is accused ofMore in the newsDid a wrong turn cause shooting?Tsarnaev defense faces trouble
  • ISIS militants reeling as Iraqi forces move in

    31 Mar 2015 | 8:33 am
    ISIS militants reeling as Iraqi forces move inGettyIraq's prime minister said Tuesday that government troops had reached the center of Tikrit in a push to retake the city.Grim reports of extremist atrocitiesMore in the newsBusinesses bail on IndianaAriz. governor signs abortion bill
  • add this feed to my.Alltop

  • Owner shocked by value of family portrait

    31 Mar 2015 | 8:33 am
    Owner shocked by value of family portrait PBSTy Dodge brought in a painting of his great-grandfather to 'Antiques Roadshow' and was totally blown away by the appraiser's estimate.Price 100x what he had expectedMore to seeMusic cats prefer during surgerySleep could change your love life
  • Patriots owner takes stand at Hernandez trial

    31 Mar 2015 | 8:33 am
    Patriots owner takes stand at Hernandez trialAPRobert Kraft gave first-hand testimony of his encounter with the former New England star in the aftermath of Odin Lloyd's murder.Surreal exchange he shed light onMore sports coverageBrowns GM fined, suspendedMurky future for OKC Thunder
  • The top you didn't know you needed

    31 Mar 2015 | 8:33 am
    The top you didn't know you neededJoyusSilk is right up there with cashmere when it comes to luxury, but now it's practical too! This top is so versatile, you'll wear it all the time.Exclusive piece is 20% off todayMore videos to shop'It' girl sweater you'll loveFirming, plumping miracle gel
  • Police hunt Va. fugitive who fled hospital armed

    31 Mar 2015 | 8:33 am
    Police hunt Va. fugitive who fled hospital armedAPOne shot was fired early Tuesday as a guard wrestled with a prisoner who ultimately managed to escape, setting off a massive manhunt.String of crimes man is accused ofMore in the newsDid a wrong turn cause shooting?Tsarnaev defense faces trouble
  • ISIS militants reeling as Iraqi forces move in

    31 Mar 2015 | 8:33 am
    ISIS militants reeling as Iraqi forces move inGettyIraq's prime minister said Tuesday that government troops had reached the center of Tikrit in a push to retake the city.Grim reports of extremist atrocitiesMore in the newsBusinesses bail on IndianaAriz. governor signs abortion bill
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    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Life insurers need to diversify assets, include alternatives like ILS: Study

    Artemis
    31 Mar 2015 | 7:57 am
    A study undertaken by Conning alongside the American Council of Life Insurers (ACLI) found that life insurance companies could look to invest in alternative asset classes such as ILS as a way to add diversification, while reducing sensitivity to interest rates. The study captured the concerns of 50 U.S. life insurance CEO’s who highlighted their primary concerns as the declining investment income and the need for capital appreciation that life insurance and reinsurance companies face. In the current economic and financial climate life insurance and reinsurance businesses often struggle…
  • Blue Capital to add capital flexibility, new income source for Endurance

    Artemis
    31 Mar 2015 | 6:15 am
    For Endurance Specialty Holdings, the addition of an established third-party reinsurance capital and ILS investments business in Blue Capital Management, thanks to the acquisition of Montpelier Re, will add capital flexibility and provide a stable source of income. John Charman explained on a conference call held minutes ago; “Montpelier’s established collateralized reinsurance platform provides Endurance with a natural introduction to managing insurance and reinsurance products for third-party investors.” Charman continued, saying that the addition of third-party reinsurance capital…
  • Endurance to buy Montpelier Re for $1.83B, to include Blue Capital

    Artemis
    31 Mar 2015 | 4:11 am
    Endurance Specialty Holdings Ltd. has just announced that it is to acquire Bermudian reinsurance specialists Montpelier Re Holdings Ltd., giving the company a ready-made third-party capital and ILS investments unit in Blue Capital Management. The fate of Montpelier Re has been up in the air for some time, with a bid process ongoing as re/insurers showed their interests in the property catastrophe specialist firm. Now it transpires that John Charman’s Endurance Specialty Holdings is to acquire Montpelier Re in a $1.83 billion agreement. The definitive merger agreement that has been…
  • Fosun hails ‘Buffett model’, set to acquire more re/insurance firms

    Artemis
    31 Mar 2015 | 3:17 am
    Private-owned global investment and asset management conglomerate, Fosun International Limited’s adoption of Warren Buffett’s reinsurance and investment model is proving to be a success, as the China-based organisation eyes further acquisitions. The Shanghai firm has been taking big steps towards its goal of becoming an “insurance-oriented investment group” since its 80% acquisition of Fosun Insurance Portugal last year, which consisted of Portugal’s largest insurer Fidelidade Group, Multicare and Cares. By utilising its insurance and reinsurance operations Fosun hopes to use the…
  • Australia weighs up cyclone reinsurance pool or mutual insurer

    Artemis
    31 Mar 2015 | 1:42 am
    The Australian government has launched a consultation process to see how access to insurance in  cyclone prone regions in the north can be eased, with measures such as a government backed catastrophe reinsurance pool or mutual insurer to be assessed. At a time when there has been a considerable push in the U.S. to shift risk away from the government and into the private insurance, reinsurance and capital markets, in order to protect taxpayers, the Abbott government in Australia looks like it is heading the other way. Assistant treasurer Josh Frydenberg announced yesterday that the government…
 
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    GCCapitalIdeas.com

  • Notable Insured Global Losses in 2014

    GC Editor
    30 Mar 2015 | 10:00 pm
    Notable insured losses in 2014 included the February snowstorms in Japan, frequent winter storms affecting Europe, flooding in the United Kingdom and a cold, stormy winter in the eastern half of... Continue reading...
  • Global Catastrophe Overview– 2014

    GC Editor
    29 Mar 2015 | 10:00 pm
    2014 was a quiet year, with significant insured losses totaling around USD33 billion. Insured losses were below the ten-year and five-year moving averages of around USD59 billion and USD56 billion,... Continue reading...
  • Week’s Top Stories: March 21 — 27, 2015

    GC Editor
    27 Mar 2015 | 5:00 am
    GC Strategic Advisory Update: Reinsurers Ratings Challenged with Negative Sector Outlook: The major rating agencies covering the reinsurance sector (A.M. Best, S&P, Moody’s, Fitch) have all... Continue reading...
  • January 1, 2015 Renewals See Lower Pricing and Broader Coverage for Clients

    GC Editor
    25 Mar 2015 | 10:00 pm
    As we approach the April 2015 reinsurance renewal, we look back at the Jan. 1 renewal. January 1, 2015 Renewals See Lower Pricing and Broader Coverage for Clients: Guy Carpenter reports reinsurance... Continue reading...
  • Public Entities, Insurers of Last Resort and Compulsory Cat Pools and Disaster Facilities

    GC Editor
    24 Mar 2015 | 10:00 pm
    The use of capital markets-based risk transfer capacity by public entities, insurers of last resort, and compulsory catastrophe pools and disaster facilities continues to expand. These deals included... Continue reading...
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    Free Insurance Magazines and Downloads from alltop.tradepub.com

  • 3 Ways Big Data will Modernize the Insurance Industry

    16 Mar 2015 | 12:00 am
    This article explores how this asset is the way the insurance industry is heading – learn 4 key ways of the benefits of Big Data including how it will affect your customer experience, fraudulent claims and your profits – it will revolutionize your CX strategy!Request Free!
  • Six Building Blocks For A Concrete Customer-Centric Strategy

    13 Mar 2015 | 12:00 am
    Customer Network presents insights from Lloyds Banking Group on how to build and implement a customer-centric strategy, how to measure trust, build emotional engagement and innovate through industry regulation. Request Free!
  • A Quickstart Guide: eSignatures for Insurance

    26 Jan 2015 | 12:00 am
    The Insurance industry will be transformed by technology over the next few years and those who adapt will capture the lion's share of business. Don't get left behind. This guide will show you how to use eSignatures to significantly improve your business. Download eSignatures for Insurance: A Quickstart Guide today and learn:What key features you need to be successful as you adopt eSignatures.The 7 reasons to adopt eSignatures now.How to add professional touches like branding, a logo, taglineThe difference between an Electronic Signature and a Digital Signature.What makes an eSignature…
  • The Roadmap to Modernizing Your Insurance Agency

    18 Dec 2014 | 12:00 am
    Insurance agencies are competing in a world that is constantly evolving at an ever increasing pace. What was standard yesterday is outdated today. Agents and brokers that adapt in this world of constant change will do more than survive, they’ll thrive.Our new eBook will equip you with the information you need to be one of those successful insurance agencies.Download The Roadmap to Modernizing Your Insurance Agency today and learn:How to plan for extraordinary growthHow to transform marketing successStrategies to develop a plan and toolkit that makes remote work…
  • How to Streamline Your Practice with Medical Management Software

    18 Jul 2014 | 12:00 am
    The right package can help you create less work for your staff. It can also increase patient satisfaction. Practice management systems typically include useful features such as: Billing process manager Appointment scheduler Patient demographics capture Patient pre-registration Insurance eligibility check Insurance payer database Reports generation Practices that implement this technology typically see that it results in much more efficient billing, increased staff productivity, reduced operating costs and improved overall practice management. This guide is designed to assist medical practice…
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    InsureBlog

  • Tuesday Potpourri

    31 Mar 2015 | 7:06 am
    Interesting items for your early week perusal.■ Item 1 - Not exactly a surprise:"[A] survey of 743 personnel executives by the Society of Human Resource Management ... Nearly 14% of firms have cut part-time hours for workers ... and another 6% plan to do so."But hey, free health care.■ Item 2 - And some more good news (for certain values of "good"):"The death spiral isn’t just a theory. Eight states learned this the hard way in the 1990s when they enacted two policies known as “community rating” and “guaranteed issue ... Obamacare includes both community rating and guaranteed…
  • Face-Palming HIX Tricks

    30 Mar 2015 | 10:14 am
    Regular readers may recall Bob's post a week or so ago lambasting the folks running the ObamaTax for shortchanging citizens by effectively locking out their agents and brokers:"[T]there is also a concern for the lack of informed advice available to the consumer that dialogues with a navigator who has barely a few weeks of training (if that) buys through the exchange. What kind of counsel are they getting? Do the navigators understand the nuances of a PPO plan vs. HMO? And what about drug formularies?"Of course not, but because the "agents are unnecessary (if not evil)" meme was fully…
  • Yeah, 'bout those ObamaTax Sign-ups

    29 Mar 2015 | 6:30 am
    Saw an interesting comment at another blog I frequent:"Did [my taxes] early, with TurboTax. If I explained why, you would definitely not suspect I was some kind of overachiever. I was expecting a bunch of paperwork to prove I had health insurance, but all there was was some sort of affirmation and no further hassle.Which tells me that the stats about who has health insurance and who does not will be lies."And then I thought back to ours, and remembered I was surprised that no documentation was required (nor was there any indication that it could be attached).I'm mildly disappointed in myself…
  • More March (Open Enrollment) Madness

    27 Mar 2015 | 7:22 am
    As we noted a few weeks ago, Our Betters in DC© have (illegally) extended Open Enrollment season for those who flaunted the (evil) Individual Mandate last year:"The Centers for Medicare & Medicaid Services (CMS) announced today a special enrollment period (SEP) for individuals and families who did not have health coverage in 2014 and are subject to the fee or “shared responsibility payment”Aetna has emailed a helpful "message for the brokers" to let us know that "[t]his Special Enrollment Period is for on-exchange business only and all applications must go through the Marketplace."…
  • Outstanding Carrier Trick

    26 Mar 2015 | 10:30 am
    A few months ago, I "inherited" a small group from a colleague transitioning out of that side of the business. One of the challenges with this process is that the new agent doesn't have any of the original paperwork (applications, etc) to refer to should the need arise.Yesterday morning, I received a frantic call from the employer: one of her employees had recently changed doctors, and needed to have a prescription filled. For some reason (I'm still unclear on the specifics), the pharmacist couldn't get the okay from the insurer because the employee's birth date didn't match what the carrier…
 
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    Workers Comp Insider

  • Freshly posted Health Wonk Review

    Julie Ferguson
    26 Mar 2015 | 8:04 am
    Grab a coffee and head on over to Wing of Zock. Jennifer Salopek has a freshly-posted Health Wonk Review, Spring Break Edition awaiting your perusal. The wonks are covering a wide range of policy topics and issues today - don't miss out....
  • BP disaster: 10 years and 58 refinery deaths later...

    Julie Ferguson
    24 Mar 2015 | 11:38 am
    A decade after the BP Texas City explosion that killed 15 and injured 180, U.S. refineries are nearly as deadly as ever, according to Blood Lessons, an investigative journalism report by Houston Chronicle and Texas Tribune that looks at the aftermath of the tragedy at the facility itself and the industry at large. The report shows that serious risks remain...
  • One Last Look At "The Demolition Of Workers' Comp"

    Tom Lynch
    16 Mar 2015 | 5:10 am
    This year's WCRI conference is now a week in the past. It was an informative event with session presenters waxing eloquent with their charts and graphs and the general nitty gritty of workers' compensation. There was a touching tribute to departing Executive Director Rick Victor and an equally touching and humble valedictory by him. An uplifting moment, that. But in...
  • Hot off the press: Health Wonk Review: Spring Forward Edition

    Julie Ferguson
    12 Mar 2015 | 11:37 am
    Brad Wright posted Health Wonk Review: Spring Forward Edition at Wright on Health -- and if you still have giant snow piles and ice bergs in your neighborhood as we do, the signs of spring that Brad has planted through the post will be a wistful reminder that spring will one day come to you too. As with most HWR...
  • WCRI: Day One

    Tom Lynch
    5 Mar 2015 | 8:32 am
    Two major issues were discussed this morning on the first day of WCRI's annual conference: cost shifting from group health to workers' comp and physician dispensing. Dr. Richard Victor, the 31-year WCRI CEO who'll be retiring in 2015, hung the cost shifting issue firmly around the neck of capitated group health insurance plans. His reasoning went this way: Capitated plans...
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    Managed Care Matters

  • Friday catch up

    Joe Paduda
    27 Mar 2015 | 8:41 am
    Another deal goes down, more clarity around IMRs, more data on the impact of the Affordable Care Act – it’s been busy. First up, Select Medical’s purchase of Concentra. In what looks to have been a pre-emptive move, Select Medical announced its intent to purchase occ med clinic firm Concentra from parent Humana. (btw great reporting by BI’s Stephanie Goldberg; she has more detail than any other source.)  Concentra, which has about 300 stand-alone clinics and 240+ on-site clinics, claims it handles 14% of all occupational injuries (they refer the more complex ones to…
  • ProPublica’s slanted “reporting” is a public disservice

    Joe Paduda
    26 Mar 2015 | 4:18 am
    After several attempts to get the ProPublica and NPR reporters working the work comp beat to see both sides of a very complex “system”, better understand the drivers and dynamics, and correct their errors publicly, I’m giving up. Clearly, they don’t want to hear anything that doesn’t agree with their superficial and clearly biased view of the work comp system, are quite willing to distort and misuse industry data to support their position, and have an agenda they are determined to promote, damn the facts. The latest screed from PP continues what is by no…
  • Think about this…

    Joe Paduda
    25 Mar 2015 | 6:24 am
    There’s a driverless car on the way from California to the East Coast - today.  Right now. As of now, the computerized Audi is three days into the trek; using “four short-range radars, three vision-based cameras, six lidars, a localization system, intelligent software algorithms and a full suite of Advanced Drive Assistance Systems” to navigate safely and efficiently on city streets, highways, parking lots, and all manner of other paved surfaces. This isn’t just a “wow that’s cool” thing. It portends huge changes in employment in this country…
  • Can California’s comp system be fixed?

    Joe Paduda
    20 Mar 2015 | 6:01 am
    David Deitz, MD PhD was last up at CWCI, his task to bring it all together by asking an apparently simple and straightforward question: What can California learn from Washington? Or put another way, “Can California’s workers comp system be fixed?” Possibly. First off, there still isn’t much of a focus on quality of care in California.  Outcomes in workers comp are still worse than in group health – despite more care for many of the same conditions.  Many state systems still rely on judicial, administrative, or otherwise “non-medical” authorities to make decisions…
  • Poor quality of care in work comp and the impact on SSDI and medicare

    Joe Paduda
    19 Mar 2015 | 11:10 am
    The estimable Gary Franklin MD, Medical Director of Washington Labor and Industry, weighed in with passion and precision at CWCI; Gary’s message was simple and straightforward: Workers injured on the job get worse and worse and worse, unlike people with the same injured hurt outside employment.  Why? They become chronic pain patients.  Preventing the transition from acute and sub-acute pain management to chronic pain and the inevitable disability that accompanies chronic pain is critical; that is “secondary prevention.” Causes of disability and more specifically causes…
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    Insurance Industry Blog

  • Swiss Re: Lack of Insurance Cover An Issue in Many Countries

    Claire
    30 Mar 2015 | 4:30 am
    The amount of financial loss caused by catastrophes not covered by insurance is growing, according to the latest Swiss Re sigma report. This so-called global insurance protection or funding gap totaled $75 billion in 2014. The rate of growth of total losses has outpaced the growth of insured losses over the course of the last three decades, Swiss Re notes: In terms of the 10-year moving average, insured losses grew at 10.7 percent between 1979 and 2014, and total losses by 11.4 percent.” Here’s the Swiss Re visual showing global insured vs. uninsured losses from natural catastrophes and…
  • The Rise of Alternative Capital

    Claire
    26 Mar 2015 | 4:30 am
    A new Insurance Information Institute white paper examines the impact of alternative capital on reinsurance, says I.I.I. chief actuary and paper co-author Jim Lynch. What sounds like a dry topic actually may in the long run significantly affect the entire insurance industry, right down to the humble buyer of a homeowners policy. It’s a dry phrase, so let’s parse the phrase alternative capital on reinsurance by starting at its back end. Reinsurance is the insurance that insurance companies buy. Insurance companies accept risk with every policy. They work hard to ensure they don’t have…
  • UK Business Leaders Often Unaware Cyber Is an Insurable Risk

    Claire
    23 Mar 2015 | 6:51 am
    A new report from across the pond points to a large gap in awareness when it comes to cyber risk and the use of insurance among business leaders of some of the UK’s largest firms. Half of the leaders of these organizations do not realize that cyber risks can be insured despite the escalating threat, the report found. Business leaders who are aware of insurance solutions for cyber tend to overestimate the extent to which they are covered. In a recent survey, some 52 percent of CEOs of large organizations believe that they have cover, whereas in fact less than 10 percent does. Actual…
  • Traffic Ahead

    Claire
    19 Mar 2015 | 4:00 am
    I.I.I. chief actuary Jim Lynch looks into the future of self-driving cars: I wrote about autonomous vehicles and insurance for the March/April edition of Contingencies magazine. I argue that while the safety improvements will reduce the number of automobile accidents, any predictions of the end of automobile insurance look overblown today. The first cars to drive themselves will only do so for a few minutes at a time – far from the curbside-to-curbside Dream Vehicle that gets most of the media attention. Any new auto technology takes two or three decades to cascade from a pricey option on…
  • A Slow Start Does Not A Season Make

    Claire
    17 Mar 2015 | 3:34 am
    While certain parts of the country hold tornado drills and others test tornado preparedness systems, weather experts are pondering the slow start to tornado season. Capital Weather Gang cites a weather.com report that not a single tornado has been reported to the National Weather Service in March, typically the first month of severe weather season in the Plains and Southeast. The only other year since 1950 that there have been zero tornado reports in the first half of March was 1969, according to the Weather Channel’s severe weather expert Dr. Greg Forbes. Per Dr. Forbes’ report from…
 
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    Go Health Insurance Blog

  • Should my fiancé and I share health insurance coverage?

    GoHealth
    29 Mar 2015 | 11:20 pm
    Wedding planning can be overwhelming and filled with many difficult choices. As you are choosing between different centerpieces and color schemes, don’t forget to make important decisions to protect the future of your health.   Can I still enroll in health insurance? Getting married is considered a Qualifying Life Event, which gives couples the unique opportunity to enroll in health insurance outside of Open Enrollment. You and your new spouse have 60 days from the time you get married to decide how you want to approach joint or separate health insurance. Should I switch to my future…
  • Does My Health Insurance Work Abroad?

    GoHealth
    26 Mar 2015 | 11:44 pm
    Planning a trip to Milan for the World Expo? What about Southeast Asia for a beach getaway? When you’re planning your vacation, one of the last things you’re probably thinking about is your health coverage. As much as you don’t want to dwell on the negative, it’s important to ask yourself tough questions now to make sure you’re covered if you need medical care abroad. We’ve created a list of the most basic questions you should answer before boarding your next flight to another country. How do I know if my health plan applies outside of the United States? Your first step should be…
  • Join GoHealth President, Brandon Cruz at MATTER’s “Tales from the Trenches”

    GoHealth
    26 Mar 2015 | 12:57 pm
    GoHealth President, Brandon Cruz Join local Chicago entrepreneur Rishi Shah, co-founder of ContextMedia, as he talks with healthcare entrepreneurs from around the country, through their own tales from the trenches, the untold stories of their modest beginnings. The first of this series will feature Chicago entrepreneur, Brandon Cruz of GoHealth. GoHealth is recognized as one of the fastest-growing technology companies in the country, and it’s changing the way people shop for health insurance. Brandon Cruz co-founded GoHealth in 2001 after finding it incredibly difficult to compare…
  • Preparing for your new baby

    GoHealth
    24 Mar 2015 | 11:57 pm
    Are you expecting a child? Congratulations! Now that you have a new baby on the way, it’s important to pay attention to your health insurance needs and what assistance is available to your growing family. Under the Affordable Care Act, all health insurance plans must cover the 10 Essential Health Benefits, including maternity and newborn care. Consider taking advantage of the following health services as you’re preparing to grow your family: Prenatal care Pregnancy-related counseling Enhanced coverage for high-risk pregnancies Midwifery services Labor and delivery services outside of a…
  • Health Risks in Your Hotel Room

    GoHealth
    23 Mar 2015 | 11:58 pm
    Now that winter is coming to an end, many of us are starting to plan our summer getaways. Although you may be looking forward to some rest and relaxation, you may not know that many health risks could be lurking in your next hotel room. Here is a list of five things you should be wary of during your next hotel stay, and what you can do to keep yourself safe. Chemicals in cleaning products Although cleaning products disinfect surfaces to prevent the buildup of bacteria, they may also contain carcinogens. Exposure to these carcinogens can increase the risk of cancer, while endocrine disruptors…
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    JohnConner.com

  • Blue Shield Medicare Supplement Los Angeles

    John
    9 Mar 2015 | 3:06 pm
    Blue Shield is offering a $15 discount for all Medicare Supplement policy holders during their first year on Medicare Part B.  Los Angeles residents will find Blue Shield to be one of the most comprehensive companies for their Medicare Supplement plans, plus you will receive and additional $15 off if you are new to Medicare. Blue Shield Medicare Supplement Rates If you are new to Medicare you have six months to choose a Medicare Supplement policy of your choice.  After the initial 6 months (Initial Enrollment Period) you can still apply but any company will require you to complete the…
  • Medicare Supplement Plans in Sacramento

    John
    3 Feb 2015 | 9:49 am
    Living in and around the Sacramento area, Medicare beneficiaries have several Medicare plan choices, such as; Medicare Supplement’s which provide the best “access” to doctors and hospitals, and the best coverage options for their medical needs. Also available in Sacramento, Placer, Eldorado, Yolo and Sutter Counties are Medicare Advantage HMO plans.  These are for the person looking for a low to “no” premium plan.  The HMO will be very restrictive with who you can see, especially when needing a particular specialist.  Coverage is sound and of course the…
  • Anthem Medicare Advantage Los Angeles County 2015

    John
    6 Oct 2014 | 2:53 pm
    If you live in Los Angeles County and you have a Medicare Advantage PPO plan including the Anthem Medicare PPO, you will need to change your plan by December 31, 2014. 2015 will not offer any Medicare Advantage PPO’s in Los Angeles County, Santa Clara, San Mateo, Ventura, Alameda, Contra Costa, Sacramento and Sonoma County, along with many other. If you are looking for a Medicare Advantage PPO, click here to see what counties they are available in. If you currently have the Anthem Medicare Advantage Preferred PPO plan in Los Angeles County, you have most likely received the…
  • 2015 Blue Shield of California Medicare Advantage 65 Plus HMO

    John
    2 Oct 2014 | 2:58 pm
    With a 2015 Blue Shield 65 Plus HMO Medicare Advantage plan, you get a health plan with a 4-Star quality rating from CMS with no monthly premium – and that’s just the start. Available in the following Counties: Los Angeles, Orange, San Bernardino, Riverside, Contra Costa, Fresno, Santa Clara, Ventura, San Diego and Sacramento. Blue Shield 65 Plus gives you: $0 plan premium. $0 copay for X-rays and basic lab services. Low or no copay for primary care doctor visits. Prescription drug coverage included (Part D). Vision and hearing coverage. A basic health club membership –…
  • 2015 Anthem Medicare Advantage Plans in California

    John
    2 Oct 2014 | 8:48 am
    The Anthem Select HMO and the Blue Cross Senior Secure I HMO, both have a $0 monthly premium.  Anthem is also offering their Medicare Advantage Preferred Standard PPO plan in 5 Counties, along with Duel Eligible’s HMO plans for people on both Medicare and MediCal. Anthem offers HMO and PPO Medicare Advantage plans California. Click on the County for the Rate and Plan Outline PPO Medicare Advantage … Orange  –  San Diego  –  Riverside  –  San Francisco  –  Madera. HMO Medicare Advantage … Los Angeles – Fresno – Orange –…
 
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    Irish Life Blog

  • Lifetime Community Rating Explained

    Gerard Coughlan
    30 Mar 2015 | 3:43 am
    What is Lifetime Community Rating (LCR)? The media are starting to talk about Lifetime Community Rating and between now and May 1st it will become a hot topic across the nation. LCR is a change to how health insurance plans are priced, currently community rating is the system in use. This means every consumer pays the same premium for the same health-insurance product, regardless of age, sex, health etc. Under LCR, this is changed so the price reflects the age at which you take out cover. The older you join the health insurance market, the more expensive it becomes! The good news is if you…
  • Irish Life pays out €218 million in claims in total for 2014

    Gerry Hassett
    12 Mar 2015 | 11:37 am
    Today we revealed our annual claims report having paid out over €218 million in total across our Retail and Corporate business divisions in 2014, for almost 2,500 Life Insurance and Specified Illness Cover claims. €109 million was paid out for 1,663 Life Insurance claims and a further €50.4 million for 805 Specified Illness Cover claims. The average payment was €66,023 in respect of Life Insurance claims and €62,615 for Specified Illness Cover claims although there was a wide variation in the size of claims settled. The scale of the claims paid in 2014 shows once again it is…
  • Irish Life wins overall IBA Life Award for 5th consecutive year

    Gerry Hassett
    20 Feb 2015 | 2:28 am
    Also wins Best Life Protection and Best Pension Product Awards Irish Life has won the overall Life Sector award in the 2015 Irish Brokers Association (IBA) Insurance Service Awards for the fifth year in succession. Ireland’s largest life assurance company also won the IBA Awards for Best Life Protection Product and Best Pension Product. l-r: Susan Gibson, John Roberts, Dermot Gaskin, Tony Lawless, Gerry Hassett, Brendan Spring (IBA President), Bríd Quigley, Richard Lavelle, Michael Nolan Gerry Hassett, Managing Director of Irish Life’s Retail business said that the recognition was a…
  • 59% of adults claim to have never invested money before

    Irish Life
    9 Jan 2015 | 2:26 am
    On 8th January, 2015 – Irish Life held a briefing session looking at the investment landscape for 2015, including key themes and trends in the corporate, retail and investment management markets. We also highlighted the need for pension reform and unveiled new research into consumer attitudes to investing and the risk appetite among Irish investors in general. David Harney, MD Irish Life Corporate Business (left) with Bill Kyle, CEO Irish Life Group, Patrick Burke, MD Irish Life Investment Managers and Gerry Hassett, MD Irish Life Retail The briefing touched on the need to tackle the…
  • Eircom Spider Awards 2014

    Stephen Hayden
    21 Nov 2014 | 7:30 am
    Yesterday (Thurs 20th) we had the opportunity to shake the dust off our tuxedo and stir on down to the convention centre to see if we had done enough hard work to win an Eircom Spider award. We hadn’t. Doh! We were up for an award in the category of ‘Web Analytics & Optimisation’. In fairness we’ve done a lot of great work in this area and while we didn’t win the award we take solace in knowing that it’s the taking part that matters… as everyone says when they lose. Over the last year we’ve spent a lot of time and energy working on improving…
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    Q4intelligence

  • Don’t Let Zenefits Drink Your Milkshake

    Kevin Trokey
    11 Mar 2015 | 1:00 am
    Note to readers – You may be surprised to see another post with Zenefits in the title. I want to be very clear – attacking Zenefits is not my intent. Generating some healthy perspective and dialogue in the industry is my intent. I’ve seen and heard many open discussions in the past couple of weeks that I think are very healthy and necessary for everyone, and we all need to keep thinking and talking about these ideas.  And if you have followed our writing for any period of time, you know that we have as a primary goal the preservation of our industry, the independent agency system.
  • MLR = Making Less Revenue? It Doesn’t Have To

    Wendy Keneipp
    5 Mar 2015 | 12:00 am
    There has been much written about the continued efforts to remove broker compensation from the MLR calculation, and we appreciate the attention to the issue and are hopeful the efforts will be successful. However, we feel some of the points in support of the effort miss the mark and actually perpetuate some unhealthy beliefs. NAIFA explains that the MLR calculation does broad-reaching damage to brokers, employees, and the consumers who rely on the brokers. Because brokers provide so many services like analyzing clients’ coverage needs, helping individuals get claims approved, and providing…
  • 5 Flaws of a “Zenefits” Approach

    Kevin Trokey
    26 Feb 2015 | 12:00 am
    If you’re losing business to Zenefits, focus on your business, not theirs. Our industry is in desperate need of transformation. In fact, we have made that transformation our relentless focus at Q4intelligence. Of course, like change for change sake, transformation without a healthy focus is, as you’d expect, unhealthy. And, in my opinion, it is an unhealthy “transformation” that Zenefits has brought to the industry. I’m sure you are sick of hearing about them, but don’t stop reading yet. This article isn’t really about them; rather, it’s about a weakness of our industry that…
  • Who’s In Control Here?

    Kevin Trokey
    16 Feb 2015 | 12:00 pm
    Somebody is always in control of the sales process; it’s either you or the buyer, but it needs to be you. There are lots of things we could discuss in regards to being in control, but I want to talk about one in particular. The first aspect of being in control of the sales process is defining the desired outcome of the process. Of course, the desired outcome for you is easy; you want to pick up a new client. The remaining piece to be determined then is creating a clear definition of the target you have to hit, which will earn you that new client. Three things to consider when defining the…
  • Are You A Leader or An Enabler?

    Kevin Trokey
    9 Feb 2015 | 9:25 pm
    It’s great if your team likes you, but they damn well better respect you! Every agency has it’s own unique personality. Some are casual while others are corporate. Some are folksy and some are intense. Some are quite humble while others are over-the-top confident. Some are friendly with one another internally, while others seem to operate with little more than a sense of tolerance. The actual personality of the agency by itself is not a predictor of success or failure. But there is one trait whose presence, or absence, is the single biggest predictor of success: The leader(s) must have…
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    Insurance

  • Get a Head Start on Your Spring Cleaning, NOW!

    Fran Shaw
    27 Mar 2015 | 5:39 am
    No one enjoys cleaning, but admit it: you feel like you’ve accomplished something when everything in the house shines and subtle scents of cleaning supplies are in the air. Living in a clean, organized environment just feels good! With spring upon us, we thought we’d give you our best tips on spring cleaning. Start with the Kitchen The kitchen is probably the most frequently used room in your house, and the dirtiest! So get the toughest job out of the way first, and the rest of the house will be a breeze. Begin with your stove, as it’s used all the time, and consequently…
  • 5 Simple Ways to Protect Yourself From Identity Theft

    Fran Shaw
    23 Mar 2015 | 9:27 am
    5 Simple WaysTo Protect Yourself from Identity Theft   It’s pretty neat that our society has advanced to the point that we now only rely on one device to carry out many daily tasks. Our smartphones now serve as an alarm clock, a GPS system, a calendar and many other useful services. We don’t even need to leave our house to go shopping anymore; online shoppers find the convenience of buying something at the push of a button incredibly helpful. The downside of this convenience however, is our increased risk of identity theft. We rely on digital devices as a channel to complete…
  • Are You Susceptible to Phone Scams?

    Fran Shaw
    18 Mar 2015 | 8:03 am
    How to Avoid Falling for These Tricky Schemes   We’ve all dealt with telemarketers. They usually call during the most inopportune times- like in the middle of family dinner. They usually have little to no valuable information to give you, and try to keep you on the phone as long as possible. Some of these people are simply doing their jobs, others are out to scam you. Everyone is at risk of phone scams. There is no prejudice or special selection, because they’re simply after your cold hard cash. Scammers do tend to favor the elderly however, because they assume they’re…
  • 8 Local Events You Can Still Make This March

    Fran Shaw
    12 Mar 2015 | 8:33 am
    8 Local EventsYou Can Still Make This March The sun is melting the snow away which must mean spring is upon us! After months of being cooped up inside due to icy road conditions or sub-zero weather, you’re probably searching for a few reasons to leave the house. Look no further! Miller’s has listed 8 family-friendly events you can still make this March!      West Chester Food Co-op Community Meeting On Sunday, March 15thSprout Music Collective will be hosting the West Chester Food Co-op Community Meeting. Swing by with your family at 3:00PM and enjoy refreshments…
  • Pleased to be quoted in “As technology expands, so does liability.”

    Scott Godes
    3 Mar 2015 | 11:11 am
    Pleased to be quoted in “As technology expands, so does liability.” As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I’m pleased to note that I was quoted in Advisen‘s  Cyber Risk Network‘s article, “As technology expands, so does liability.” For further details, I welcome you to check out the original post. Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states. The opinions on this blog do not necessarily reflect…
 
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    Blog

  • Working Families Launch 'We Rise' Campaign to Train and Organize Immigrant Workers

    31 Mar 2015 | 7:00 am
    The AFL-CIO today launches a national immigration training plan, “We Rise!” (¡Adelante!). It is designed to reach, mobilize and organize immigrant workers in their workplaces and in their communities. The three-day kick-off event in Washington, D.C., will include trainings, workshops and strategy sessions designed to empower immigrants and their allies to lead campaigns that will enhance the rights of all workers. The event will include more than 200 union members, leaders and staff from 23 unions, and activists and community leaders from 26 states across the nation.
  • The End of Workers' Comp as We Know It? Winners and Losers of the Week

    30 Mar 2015 | 11:30 am
    In our regular weekly feature, we'll be taking a look at the winners and losers of the week in the struggle for the rights of working families. The winners will be the persons or organizations that go above and beyond to expand or protect the rights of working families, while the losers will be whoever went above and beyond to limit or deny those rights.
  • Indiana’s New Anti-LGBTQ Law ‘Condones Discrimination’

    30 Mar 2015 | 10:00 am
    The Indiana legislature passed and Gov. Mike Pence (R) signed a bill last week that critics, from human and civil rights groups to corporate CEOs to professional athletes, say opens the door to legal discrimination against lesbian, gay, bisexual, transgender and queer (LGBTQ) people.
  • Our Children Are Our Future. Or Are They?

    30 Mar 2015 | 9:00 am
    An “old school” demonstration Friday on Capitol Hill by American college students protested proposed cuts by House Republicans to Pell Grants that help our children afford college. I use the phrase “our children” because it is a well-worn phrase “our children are our future.” House Republicans appear to believe they are not “our children,” but your children; and you had better figure out how to get them educated because they are your problem, not our future. This is carrying the case for individualism to an absurd level.
  • Burned by Fast Food

    29 Mar 2015 | 6:00 am
    We've all heard the stories of fast-food restaurants mistreating their workers, but it's hard to imagine managers telling employees who are burned on the job to put mustard or butter on their wounds. Hard to believe, but that's just what Fight For $15 reports in their latest video. Check it out, but be warned that it contains graphic visuals of employee burns.  Then, after you get upset, go learn more and sign the Fight For $15 petition calling for the U.S. Department of Labor to investigate these terrible tactics.
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    IFAwebnews.com | P/C insurance

  • Lufthansa faces insurance claim of $300 million after Germanwings plane crash

    IFAwebnews Staff
    31 Mar 2015 | 7:22 am
    Deutsche Lufthansa AG expects an insurance claim of around $300 million in connection with the crash of its Germanwings aircraft in the French Alps, a spokesman for Germanwings’ parent Lufthansa said Tuesday. The $300 million includes expected claims from a passenger liability policy and from insuring physical damage to the aircraft, the spokesman said. The bulk of the overall loss for which insurers will have to pay relates to the passenger liability policy that covers the 150 victims, and costs will depend on the nationality of the victim, among other things, insurance rating agency A.M.
  • 40% of small businesses will file claim in next 10 years: Hartford

    IFAwebnews Staff
    30 Mar 2015 | 4:57 am
    Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years, according to an analysis of The Hartford’s small business claims. Topping the list for the most common claim is burglary and theft, however, the most costly claim for a small business is reputational harm, which includes libel, slander and violation of privacy. “An unexpected event happens more often than many small business owners realize,” said Stephanie Bush, senior vice president of Small Commercial insurance at The Hartford. “It is important that a small business…
  • Allianz lead insurer of Germanwings plane crash

    IFAwebnews Staff
    26 Mar 2015 | 7:16 am
    Allianz, as the lead insurance underwriter for the Germanwings Airbus A320 plane that crashed in the French Alps, said that it is ready to support the budget airline owned by German airline Lufthansa. “We are ready to support our client as fully and quickly as possible, working in conjunction with our co-insurers,” Allianz said in a statement confirming its involvement with the airline. Allianz is a global insurer based in Germany. Reuters reports that AIG also had an underwriting element involved and JLT and Willis were joint brokers on the insurance placement. The cause of the…
  • Highest homeowners insurance states

    IFAwebnews Staff
    26 Mar 2015 | 7:03 am
    Home insurance premiums are on the rise. According to a January 2015 study conducted by the National Association of Insurance Commissioners (NAIC), the average homeowners insurance premium increased by 5.7% in 2012, following a 7.6% increase in 2011. And that was on top of a 3.3% increase in 2010. The national average homeowners insurance premium was $1,034 in 2012, according to the Insurance Information Institute (III), but residents in many states paid significantly more than that – more than double in Florida – for home insurance. Who paid the most? Investopedia looked at the states…
  • NJ utility wins suit against insurance companies over Sandy damage

    IFAwebnews Staff
    26 Mar 2015 | 6:53 am
    Insurance companies improperly tried to limit coverage for hundreds of millions of dollars in power-grid damage resulting from Superstorm Sandy, according to a state judge’s ruling that could spare customers of New Jersey’s largest utility from having to foot part of the repair tab. The ruling by Essex County Superior Court Judge Thomas Vena upheld a lawsuit by Public Service Enterprise Group seeking to force 11 insurers to increase their payout to cover widespread destruction in the utility’s northern and central New Jersey territory after the 2012 storm. In his decision,…
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    Insure Life Surpasses Your Expectations

  • Life Insurance - Lessons Learned from Rafert v. Meyer

    15 Mar 2015 | 10:40 am
    This blog entry will focus on the lessons learned from a recently failed life insurance plan as reviewed in a recent Nebraska Supreme Court case summary. In this case, Jlee Rafert purchased three trust owned life insurance policies in March 2009 with a total death benefit of approximately $8.5 million and an initial total premium over $250K. Her attorney, Robert J. Meyer, prepared the irrevocable trust and was also named trustee.Unknown to Jlee Rafert or the trust beneficiaries until August 2012, the policies lapsed in 2010 due to nonpayment of premiums. Rafert and her daughters sued Meyer…
  • Life Insurance Benefits Vary by Stakeholder Group

    4 Jan 2015 | 6:28 pm
    In previous blog entries, I have reviewed many of the potential benefits of life insurance products, and the importance of having a plan in place to help achieve and maximize potential outcomes.  In this entry, I will review how varying stakeholder objectives may influence the realization of life insurance benefits.  The decision to purchase life insurance typically involves a long term financial commitment.  Before committing substantial financial resources to purchase life insurance products, it is worthwhile for stakeholders to take the necessary time to understand and…
  • 10 critical success factors for permanent life insurance plans, Pt. 2

    30 Nov 2014 | 6:00 pm
    Part 1 reviewed ten critical success factors for permanent life insurance plans during the Procurement Phase.  The Procurement Phase includes all items in the sale and implementation of the life insurance plan, including carrier and product selection, policy design, and application and underwriting process.  Similarly, Part II identifies ten critical success factors for the Administration Phase, which includes all aspects after the life insurance plan is in place.Based on lessons learned, below are ten Administration Phase critical success factors for permanent life insurance plans…
  • 10 critical success factors for permanent life insurance plans, Pt. 1

    30 Oct 2014 | 7:44 am
    Regardless of the complexity of a permanent life insurance plan, there are many factors that impact or contribute to its overall success. These critical success factors can be separated into the procurement phase or administration phase. The procurement phase includes all items in the sale and the implementation of the life insurance plan, including the carrier and product selection, policy design, application and underwriting process. The administration phase includes all aspects after the life insurance plan is in place. Based on lessons learned, below are 10 procurement phase critical…
  • Top Ten Life Insurance Benefits

    9 Oct 2014 | 5:55 pm
    Life insurance products are purchased for a variety of purposes since they can provide many benefits to plan stakeholders.  Below is a list of my current top ten benefits for life insurance plans (in no particular order):Death Benefits – Death benefits are cash benefits that are payable upon the insured’s death.Living Benefits – Living benefits are cash benefits that may be payable during the life of the insured.  Living benefits may include accessing cash surrender values via withdrawals, surrenders, and/or loans, the payment of long term care or disability benefits, or…
 
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    Cheap Car Insurance Quotes

  • Deciphering Car Insurance Quotes Before Buying

    Melissa
    31 Mar 2015 | 9:01 am
    The most reliable way of saving money on car insurance is to obtain at least three quotations – or estimates – before buying. Unfortunately, figuring out what the insurance company quoted is necessary. Most people do not have the expertise in insurance to decipher the language and insurance offered. One way of dealing with this situation is to purchase insurance through the agency system, since insurance agents must be licensed by the state. Insurance agents and companies are subject to examination for continuing levels of education and expertise in insurance. Be sure to always…
  • Can I get a 6-month car insurance for young drivers?

    Melissa
    29 Mar 2015 | 8:48 am
    Graduating from school, entering college, getting a job, and purchasing a used-but-reliable car of your own is a milestone in the life of younger drivers. If you have moved out of your parents’ home and are supporting yourself, you will need to purchase auto insurance. Considering the situation, you are probably in the twenty to twenty-six year old age groups. Insurance companies rate drivers by using statistical evidence and drivers between the ages of twenty to twenty-six statistically have more accidents with higher fatalities than older drivers. This is not emphasized often by…
  • Searching for Cheap Car Insurance Quotes in Michigan

    Melissa
    27 Mar 2015 | 1:59 pm
    When you live in Michigan, you have no choice but to purchase no fault automobile insurance on every vehicle that you have registered in the state. Michigan may have a unique no fault insurance law that provides you with unlimited medical and rehabilitation expenses, but these unlimited benefits come at a cost. Buying insurance may be a must, but you as a consumer have a choice when it comes to which insurer you want to buy your coverage from. With so many different companies that are licensed to offer coverage to residents in Michigan, it is time to learn how to find a policy that you can…
  • Where do I find cheap car insurance quotes in Illinois?

    Melissa
    25 Mar 2015 | 1:20 pm
    The average consumer in Illinois pays $731.22 per year for liability car insurance in the state. This average expenditure is significantly higher than the nationwide average of $815. Considering the fact that premiums for standard liability coverage in “The Prairie State” are so high, it is imperative that anyone who plans to buy coverage takes the time to shop around. Unfortunately, a majority of people did not learn how to shop for insurance when they were completing their high school curriculum. Shopping around can be a daunting process when you are not sure what to look for…
  • Looking for Cheap Car Insurance Quotes for Over 50s

    Melissa
    23 Mar 2015 | 1:54 pm
    As individuals become older, statisticians have discovered that their ability to drive and subsequent involvement in automobile accidents change from that of different age groups. Because of this, insurance premiums often increase with the age of the driver. Unfortunately, with this increase comes a reduction in income as retirement and health issues increase. Use our FREE comparison tool at the top of this page to start your search for car insurance quotes! Saving Money on Car Insurance as You Become Older There are a number of methods to save money when purchasing car insurance. Some of…
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    Insurance Forum

  • Best Way to Cancel Geico

    DJAJ
    31 Mar 2015 | 5:58 am
    Anyone have any suggestions on the best way to get Geico policies canceled for your clients. I used to have their fax number but that doesnt work anymore. Calling in with the client is always a hassle as well since they always tell you that someone else has to call them back. Thanks!
  • Hi Y'all

    Sandielee
    30 Mar 2015 | 9:09 pm
    Today I was made an offer from an accident I was involved in several months ago. The insurance adjuster was aggressive and very confrontational. She had my head spinning all different ways and low balled me . I was having a hard time keeping it together and like a brat I blurted out something unreasonable when she asked what $$ I wanted ($100,000) yea I know, crazy. Anyways My med bills are $14,750 and they only offered me $3,000 in general damages! After I bluted the $100,000 the Adjuster asked what the lowest Id be willing to accept. I said $50,000. i will honestly settle for $10,000 in gen
  • Test for Trans

    Bcrane0305
    30 Mar 2015 | 6:06 pm
    I wrote an app on a guy who is on various medications: plavix, on 10 plus years. Gabapentin: diabetic nerve pain. Oral diabities: taken for around 10 years. Isosprbine: 10 plus years. Says he's had various heart stents but all after 2 years. He also said you took ribarvin over 10 years ago and has been off it for way over 2 years. I wrote this as preferred. You guys think it will go through? Thanks!
  • Press 1 Leads: what Companies Are Good for these Leads?

    RookieYankee
    30 Mar 2015 | 5:07 pm
    I keep hearing from people that press 1 leads are very cheap and have a good pull. What are some good companies I should check out?
  • Not Sending in App After Doing Pos Interview

    Jakel
    30 Mar 2015 | 4:22 pm
    Question-If you do the point of sale interview and the insured decides not to proceed for whatever reason or is declined during the phone interview, do you have to send in the application anyway? Or is this a carrier specific guideline?
 
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    Corporate Insurance Blog

  • Pleased to be quoted in “As technology expands, so does liability.”

    Scott Godes
    3 Mar 2015 | 11:11 am
      As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I’m pleased to note that I was quoted in Advisen‘s  Cyber Risk Network‘s article, “As technology expands, so does liability.” For further details, I welcome you to check out the original post.   Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states. The
  • Pleased to be quoted in “Increased Cyber Losses Means More Insurance Coverage Disputes.”

    Scott Godes
    26 Feb 2015 | 7:02 pm
      As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I’m pleased to note that I was quoted in Business Insurance’s article, “Increased Cyber Losses Means More Insurance Coverage Disputes.” For further details, I welcome you to check out the original post.   Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states. The
  • Please join me for “2014 Year in Review: A National Insurance Recovery Webinar”

    Scott Godes
    17 Jan 2015 | 7:24 pm
    As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I welcome you to mark your calendar and join us for a national insurance recovery webinar on Tuesday, Jan. 27 at 3 p.m. (Eastern). The Barnes & Thornburg insurance recovery attorneys will review 2014’s major legal developments and trends in insurance coverage and recovery. You will learn more
  • Pleased to be quoted in “Insurers Cover Fraction of Costs in Catholic Dioceses’ Clergy Abuse Cases.”

    Scott Godes
    17 Jan 2015 | 6:51 pm
    As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I’m pleased to note that I was quoted in Business Insurance’s article, “Insurers cover fraction of costs in Catholic dioceses’ clergy abuse cases.” For further details, I welcome you to check out the original post.   Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some
  • Pleased to be inducted into the American College of Coverage and Extracontractual Counsel

    Scott Godes
    17 Jan 2015 | 6:44 pm
    As noted previously here, at Barnes & Thornburg LLP‘s Policyholder Protection blog, I’m pleased to announce that I have been elected to the American College of Coverage and Extracontractual Counsel (ACCEC). For further details, I welcome you to check out the original post and the (ACCEC).   Disclaimer: This blog is for informational purposes only. This may be considered attorney advertising in some states.
 
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    The Claims SPOT

  • 3 Claims Department Musts That Will Let The CEO Sleep Soundly

    Marc Lanzkowsky
    23 Mar 2015 | 6:39 am
    There are many elements to a well run claims department. As with many areas of business it comes down to people, process and technology. Good people will drive the success of any department and working with defined efficient processes, as well as technology tools that support the organization, are basic core requirements to any well run department. Specifically what people, processes and technology make up a good claims department is a subject for another day. Regardless every claims department should be using metrics, performing audits and have a business continuity plan in place as a…
  • Breaking Those Competing Commitments To Change

    Marc Lanzkowsky
    23 Jan 2015 | 9:50 am
    In life change happens and people adapt. In business change happens and people react. Those who are resistant to change are usually easy to spot and equally as easy to manage and therefore rarely derail a change initiative. However, it is the person that generally supports change and outwardly appears to be working for the implementation of a new initiative that can sometimes harbor a "competing commitment" that can have a more deleterious impact on the success of a new initiative.
  • Book Review: The Global Directors and Officers Handbook by Granof & Nicholls

    Marc Lanzkowsky
    14 Nov 2014 | 11:58 am
    In today's ever expanding global marketpalce, the need for executives to be aware of potential liability exposure is greater than ever. To assist in understanding that exposure, we review the the Global Directors and Officer Handbook, published the ABA (get your copy here) and Edited by Perry Granof and Henry Nichols.
  • 15 Excuses For Not Changing And 5 Reasons To Change The Way We Make Change

    Marc Lanzkowsky
    1 Apr 2014 | 1:55 pm
    Change is hard for everyone and how and when to change has been debated and discussed in companies since the first company was formed. What is never debated are some of the excuses used for not changing. People are generally resistant to change and despite the need to move forward people generally prefer to live with what they have. Taking a strategic approach to the issues around change itself shuold help to alleviate some of the resistence. In this post we look at changing the way we change.
  • Part 3 on Leadership: Challenges and Assistance in Leading Change

    Marc Lanzkowsky
    25 Mar 2014 | 7:26 am
    In Leadership: The Change Process In Claims Requires A Different Approach, I put forth the position that changing a claims organization needs a new brand of leadership skill that does not usually exist in the traditional claims organization. In Part 2 on Leadership: Developing a Strategic Transformation Team, I addressed how to break from existing management process to achieve effective strategic results. In the final installment, I discuss how challenges around leading change make it beneficial to bring in strategic support to help achieve the desired success.
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    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • San Diego Motorcycle Safety Tips

    MccormickInsure
    18 Mar 2015 | 7:41 am
    Motorcycle Safety & Insurance Let’s face it; there is nothing better than cruising down the open road on your motorcycle. But to be safe on the streets, you need to not only practice good motorcycle safety, but be a defense driver too. A motorcycle rider not wearing a helmet is 55% more likely to have a fatal head injury. Most motorcycle accidents could have been prevented. San Diego Motorcycle insurance should be an important part of your planning. Our insurance policies cover all kinds of motorcycles from sport bikes, cruisers, standard, touring bikes, custom motorcycles, scooters and…
  • Insurance For High Net Worth Individuals

    MccormickInsure
    4 Mar 2015 | 7:40 am
    San Diego Personal Insurance; A Safety Net For High Net Worth People There are many benefits to having been blessed with wealth. You may have a vacation home, boat, plane, or get to travel the world. But individuals with high net worth have increased risks that need to be managed. San Diego Personal insurance policies created for high net worth individuals can have much higher limits than average policies, providing the adequate coverage high net worth individuals need for more expensive homes and automobiles, as well as valuable collections, yachts and aviation. Many “standard” personal…
  • A Simple Guide To San Diego Personal Insurance Problems

    MccormickInsure
    18 Feb 2015 | 3:04 pm
    We receive calls almost daily from people who bought cheap online personal insurance and now have a problem, or from people who have had other problems and now need a trusted advisor to help them out. If you have San Diego homeowner’s insurance or other personal insurance, we can help guide you through any issues you may have. The Wayne McCormick Insurance team in San Diego is standing by, ready to help you save on your homeowners, condo or apartment building insurance. How To Minimize San Diego Personal Insurance Problems Keep your San Diego insurance policies in a safe but accessible…
  • Filing A Claim Correctly Can Save You Time And Money

    MccormickInsure
    4 Feb 2015 | 3:04 pm
    San Diego Auto Insurance We hope you never have an accident or loss.  But if you have a loss, knowing that your claim is covered by insurance will help.  That’s what San Diego Auto insurance is all about.  And, if you understand the claim filing process, you will find you will have fewer headaches and have your claim resolved much faster. Whether you’re a perfect driver, an international driver or an unlucky driver, look no further than McCormick Insurance in San Diego County. We’ve been serving Southern California for more than 30 years. Here Are Some Tips To Help You File Your…
  • Why Auto Insurance May Be The Most Important Financial Decision You Make

    MccormickInsure
    14 Jan 2015 | 9:00 am
    San Diego Auto Insurance Facts According to the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA), there are five leading factors involved in San Diego auto accidents. Drunk Driving: Crashes caused by drivers under the influence of alcohol (DUI) accounted for 18 percent of the total economic loss due to motor vehicle crashes. DUI crashes also cost the nation $49 billion dollars, an average cost of $158 dollars for every person in the U.S. Including lost quality of life, these crashes were responsible for $199 billion dollars, or 23 percent of the…
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    Property Casualty Insurance Blog

  • The power of high-risk notifications — actually of on-site surveys

    Mark Bonamer
    30 Mar 2015 | 11:07 am
    Sometimes the best way to make a point is to tell a simple story. An excess and surplus (E&S) lines insurer customer ordered an on-site survey for a multiuse building in a large city. When the Verisk field analyst tried to make an appointment to visit the site, the insured didn’t respond. The field analyst contacted the broker and was told just to go out to the property and do what the analyst needed to do. When the field analyst arrived at the property, instead of finding a typical commercial-use building, he found a property in need of a high-risk notification. In the first section of…
  • Cat Bond Lite: Flexibility and larger pool of available capital

    Joe Louwagie
    27 Mar 2015 | 4:30 am
      In an interview with A.M. Best TV, Tom Johansmeyer, assistant vice president of Reinsurance Services, ISO, speaks about the latest trend in the linked securities industry: cat bond lite. Compared with catastrophe bonds, cat bond lite is a more streamlined approach to the securitization of risk. Because of their low frictional cost, these transactions can be done at a lower price and at a faster rate. Tom explained that cat bond lites are smaller tactical deals and have become increasingly popular. In 2014, $500 million in private cat bonds and cat bond lite transactions were completed…
  • April 2015 Preview: Historical Catastrophe Activity

    Ted Gregory
    27 Mar 2015 | 4:00 am
    Over the past ten years, on average, approximately 236 tornadoes have occurred in April. Historically, between 1950 and 2013, April tends to have more violent tornados — EF4 and EF5 — than any other month. And last year, 220 tornado reports were recorded during the month. While April is an active month, tornado activity typically peaks in May and June. In April 2014, PCS designated Cats 38, 39, and 40 — all of which involved tornado activity that led to more than 402,800 claims and $2.9 billion in losses. Since 2005, PCS has designated 38 catastrophes in the month of April, an…
  • Primary Payer Appeals: CMS Final Rule

    Martin Cassavoy
    25 Mar 2015 | 6:00 am
    Primary Payer Appeals: CMS Final Rule On February 27, 2015, the Centers for Medicare and Medicaid Services (CMS) released the final rule allowing primary payers to appeal conditional payment demands. The appeals process, which CMS is required to grant per the SMART Act, allows primary payers to pursue appeals through a formal administrative and legal process. Before the new process, primary payers were unable to appeal beyond the relevant Medicare contractor, although Medicare beneficiaries were permitted to file formal appeals. The new appeals process now levels the playing field. Background…
  • Medicare Set-Aside Update: Generic Nexium and Its Impact on MSAs

    Kendra Phillips
    25 Mar 2015 | 6:00 am
    On January 26, 2015, the FDA approved esomeprazole, the generic form of Nexium. Claims payers and the Medicare Set-Aside (MSA) industry take notice any time a widely prescribed brand-name drug becomes available as a generic. The impact of generic availability, if not immediate, can eventually prove to be dramatic. According to the Centers for Medicare and Medicaid Services (CMS) policy, prescription drugs in an MSA should be calculated based on the average wholesale price (AWP). With Nexium, the initial AWP suggests a moderate reduction in the per-pill price of generic Nexium, regardless of…
 
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    WRIN.tv

  • Government programs and medical cost trends support “stable” outlook for Health insurers – A.M. Best

    Kenneth Simon
    30 Mar 2015 | 8:03 pm
    In highlights from the First Monday series, A.M. Best Assistant Vice President Joseph Zazzera and Senior Financial Analyst Bridget Maehr discuss how health insurance carriers are navigating health reform provisions that began in 2014, and the sector’s “stable” outlook. More than 11 million people have selected health plans through the Affordable Care Act (ACA) in [...]
  • World Bank expanding into insurance/reinsurance

    Kenneth Simon
    29 Mar 2015 | 3:41 pm
    The World Bank is expanding its product menu and broadening its definition of disaster risks. Until recently, the Bank offered member countries coverage through derivatives. The Bank will now offer insurance and reinsurance contracts along with other similar risk transfer mechanisms. The definition of “Disaster Risk will also be expanded to include pandemics, epidemics and [...]
  • Week in Review: March 23-27, 2015

    Kenneth Simon
    27 Mar 2015 | 7:23 pm
    This Week on WRIN.tv…… Monday Morning Headlines featured U.S. regulators say international capital standard must be good for U.S. Premera Blue Cross working with FBI after cyberattack affecting 11 million  NAIC keeps captive financials confidential to stem public confusion Life insurers and regulators compromise on sales illustrations for IUL policies LIMRA reports IUL premiums up in [...]
  • A combination of coverage can protect contractors against losses from expensive drilling tools “lost in hole”

    Kenneth Simon
    26 Mar 2015 | 7:52 pm
    Luke Butler from All Risks, Ltd. speaks with WRIN.tv during the 2015 IRMI Energy Risk and Insurance Conference about the risk of loss to contractors from expensive drilling equipment. There are different types of Bottom Hole Assembly (BHA) used to give contractors both measurement and logging information.  They provide real-time data on the performance of [...]
  • BP is now a model for ERM with Board-level involvement and well-funded risk mitigation programs

    Kenneth Simon
    26 Mar 2015 | 8:16 am
    Scott Uhl, a SVP at EWI Specialty Casualty, speaks with WRIN.tv during the 2015 IRMI Energy Risk and Insurance Conference, about the challenges facing risk managers in managing operational risk, and the way Enterprise Risk Management (ERM) “should work.” Mr. Uhl says ERM in the post-BP (Deepwater Horizon) environment “still remains more aspirational…”  While there [...]
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    SelectNews Blog

  • Spring Clean Your Finances

    SelectQuote
    26 Mar 2015 | 8:52 am
    Spring may be the perfect time of year to clean out the garage, but what about your finances? These five pointers can help you manage your budgets, streamline your records, and even save you money. Automate your savings. Not great at saving? Make arrangements with your bank to allocate a portion of every paycheck to your savings account before you see it. And while you’re at it, automate any bill payments that are the same every month – like your rent or insurance premiums. Not only will you save yourself time, you’ll be sure to avoid any late fees. Go paperless. If you…
  • Keep Calm With These Tax Season Tips And Carry On Until April 15

    SelectQuote
    19 Mar 2015 | 1:23 pm
    With the April 15 filing deadline less than a month away, tax season is in full swing. If that gives you heart palpitations, take a deep breath. Here are five great ways to relieve seasonal stress and put a little zen into your tax preparation. Don’t sweat the small stuff. If you’re driving yourself crazy accounting for every last receipt or monthly bank statement, stop. Do your homework so you know what’s deductible and what’s not. Instead of spending your time chasing smaller deductions, focus on larger expenses that will save you the most on your taxes. Don’t bait…
  • March Madness Is Here!

    SelectQuote
    12 Mar 2015 | 6:37 am
    College basketball fans unite! March Madness, the NCAA tournament that may be the single most anticipated event in college sports, is coming up fast. By the close of Selection Sunday on March 15, the entire country will know which teams are in the running – and which ones will be seeking post-season glory in one of the secondary tournaments. In the meantime, here are our bracket predictions for the top seeds. Virginia Cavaliers (28-2) It’s been an incredible season for the Cavaliers, whose only defeats came at the hands of the Duke Blue Devils and the Louisville Cardinals. Despite…
  • Tax Tips For Independent Contractors

    SelectQuote
    5 Mar 2015 | 12:10 pm
    Being a freelancer, consultant or independent contractor has its benefits, but having your taxes automatically deducted from your paycheck isn’t one of them. While dealing with 1099s can certainly create more paperwork for you, it can also provide plenty of opportunities to lower your tax bill. Here are five tips for making April 15 as painless as possible when you’re not a full-time employee. Know what to expect. If you’re paid $600 or more by any individual client, you should receive a 1099-MISC from that client. For a sample, click here. Typically, you include Schedule C…
  • Five Easy Ways To Eat Better Now

    SelectQuote
    3 Mar 2015 | 7:24 am
    March is National Nutrition Month, so why not use it as an excuse to revamp your eating habits? Contrary to popular belief, eating right doesn’t mean dieting – and it certainly doesn’t mean saying goodbye to great taste. Here are five easy ways to start eating better this month (and every month of the year). Watch what you drink. All those so-called vitamin and energy drinks may sound healthy, but the majority of them are just sweetened water. And most fruit juices have even more sugar than soda pop. Don’t let the labels fool you. If it’s not skim milk, plain H2O, or…
 
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    Shift Insurance Blog

  • 6 Things That Will Determine Your Commercial Auto Insurance Premiums

    23 Mar 2015 | 11:58 am
    Commercial auto insurance works a little bit differently from its personal counterpart.  After all, when you drive for work, you probably spend more time in the car, head to places you wouldn't go in your personal time, and you may even drive vehicles that you wouldn't drive in your off-time -- like cargo vans, delivery trucks, etc.  And, when you drive a commercial vehicle, you're putting the entire company at risk of a lawsuit if something goes wrong. Bottom line -- there are different risks involved with driving a commercial vehicle.  And when you're talking about insurance,…
  • Direct vs. Agents vs. Independent Agents vs. Brokers -- Where Should You Buy Car Insurance?

    12 Mar 2015 | 11:15 am
    At last count, nearly 39 million people called California home, and if any of them want to hit the road, they're required to buy car insurance.  That's why you see so many buying options out there! But which way is the RIGHT way to buy car insurance?  What type of professional should you buy it from, and who's going to give you the best deal? In order to answer those questions, you need to understand that there are four ways to buy car insurance in California -- directly from the carrier, through an agent, through an independent agent, and through a broker. Here are the pros and…
  • Coverage For Your Business Use Vehicles

    3 Mar 2015 | 11:46 am
    Many businesses are exposed to the financial consequences of their ownership, use or maintenance of vehicles used in their operations. Most coverage needs can be handled by a business auto policy (BAP) or similar form which cover operations such as: ·        Product or food delivery ·        Transporting business products to wholesalers or retailers ·        Retail product delivery to consumers…
  • 5 Reasons to Purchase Higher Liability Coverage Limits

    20 Feb 2015 | 10:52 am
    Here in California, you're required by law to have car insurance coverage that meets certain liability requirements -- $15,000 for the injury of death of one person, $30,000 for the injury or death of more than one person, and $5,000 for any property damage that you cause. But just because this is the minimum liability coverage you need to legally drive around doesn't mean that you need to stop here.  In fact, a lot of insurance professionals consider coverage limits of 100/300/100 to be the standard -- meaning you'd have $100,000 in coverage if you caused the injury or death of one…
  • Insuring Your Company Cars -- Who's Allowed to Drive Them?

    9 Feb 2015 | 10:12 am
    When it comes to your own personal car, you probably already know that if you give someone permission to drive it, your own insurance is on the hook if anything goes wrong.  That's pretty cut and dry.  But what about your company cars?  With employees coming and going, how do you know who's allowed to drive and who can potentially give you an insurance headache? It all comes down to permissive use! This is the same term used on the personal side of things.  And, just like on the personal side, permissive use refers to people who you've given permission to drive a car that…
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    The trading forex

  • Small Caps Pressuring 'Bull Trap'

    admin
    31 Mar 2015 | 1:50 am
    Small Caps Pressuring 'Bull Trap' All CFDs (stocks, indexes, futures) and Forex prices are not provided by exchanges but rather by market makers, and so prices may not be accurate and may differ from the actual market price, meaning prices are indicative and not appropriate for trading … Read more on Investing.com Successful Trades USDCAD and EURUSD 30 march 2015 This kind of option has a return of 75% if the option touches the strike price prior to expiry, which means that if the signal is correct, I could get a return of $ 900 on my investment. The price for EUR/USD at the…
  • Administrador de Liberty Reserve Arthur Budovsky Belanchuk detenido en Costa Rica

    admin
    30 Mar 2015 | 12:16 pm
    Ver noticia completa: http://tradingenlinea.blogspot.com/2013/05/detienen-dos-empresarios-acusados-de.html Noticia de detención del presunto dueño y administrador de Liberty Reserve en Costa… Video Rating: 3 / 5
  • Forex Trading For Beginners: Learn The Basics and Start Making Money

    admin
    30 Mar 2015 | 2:22 am
    Forex Trading For Beginners: Learn The Basics and Start Making Money Forex trading can seem overwhelming at first, which is exactly why we created this book. Learn the basics and get a good handle on how to make money using this proven resource. Price: The Basics Of FOREX $5.99End Date: Tuesday Apr-21-2015 2:36:21 PDTBuy It Now for only: $5.99Buy It Now | Add to watch list Forex Fortitude - How to start trading, Forex basics, Market, Make Money $9.90End Date: Monday Apr-27-2015 15:45:54 PDTBuy It Now for only: $9.90Buy It Now | Add to watch list
  • Lastest Trading Tips News

    admin
    29 Mar 2015 | 5:45 pm
    “Q Tips” offers practical guidance and tips for financial big data analytics For 22 years, some of the world's largest trading organisations have used q and kdb+ to perform complex data analytics and support their trading activity. “Q Tips” provides the growing q programming community with a practical guide to learning the … Read more on Bobsguide (press release) Buyers blame underquoting but market behind Sydney's 'preposterous' results Underquoting is a hot topic in every property boom and the Office of Fair Trading has received many complaints recently,…
  • Is This the Bottom for Commodities?

    admin
    29 Mar 2015 | 12:28 am
    Is This the Bottom for Commodities? It's the same with other currencies and commodities. The commitment of traders report (which is a weekly snapshot of trader positioning in the futures markets) was out on Friday. It showed how extreme the positioning was in the commodities markets in … Read more on Daily Reckoning – Australian Edition Volatility Is Back… Embrace It! There's no question that recent years have created a challenging environment for managed futures traders and commodity trading advisors (CTAs). With volatility low, the returns of systematic traders and…
 
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Many Happy Returns: The Driving Test Turns Eighty

    qldb_admin
    26 Mar 2015 | 11:03 am
    As the driving test approaches its 80th birthday motoring organizations are questioning whether it’s ‘fit for the 21st century’. The driving test has played a large part in making our roads some of the safest in Europe (second only to Sweden) so there’s certainly plenty to celebrate. But while motoring has moved on over the past eight decades; the driving test remains comparatively unchanged. The 1930s was a period of enormous social change and much of it was down to the mass production of the motor car. As cars became more affordable the country’s roads became chaos and in 1934 a…
  • New Drug Driving Laws Explained

    qldb_admin
    24 Mar 2015 | 10:40 am
    Long overdue changes to laws surrounding ‘drug driving’ have been warmly welcomed by motoring organizations. The moves are designed to stamp out drug driving which is thought to cause 200 fatalities each year. Limits have been placed on eight illegal drugs (including: heroin, cocaine and cannabis) and eight prescription drugs (including: morphine, clonazepam and diazepam). The new legislation brings the offence of drug driving in line with widely understood drink driving laws. Until now police have had to prove that driving was impaired in order to prosecute. However, the changes mean…
  • Ten Tips to Beat Increased Car Insurance Costs

    qldb_admin
    19 Mar 2015 | 6:26 am
    It’s bad news for motorists, after three years of falling car insurance costs, new data suggests that premiums are beginning to creep up. To help beat the price rises here’s a quick reminder of how to cut the cost of cover: Shop Around Price comparison websites are a good starting point, but it’s hard to beat a broker.  Computers are great at crunching data, but they aren’t good listeners. If you want a truly tailored quote with a human touch get in touch with a well-known car insurance broker. Excessive Excess Most insurers allow customers to choose the amount of voluntary excess…
  • More drivers are using their mobiles

    qldb_admin
    16 Mar 2015 | 7:58 am
    A survey commissioned by the Department of Transport has uncovered the extent of illegal mobile phone use behind the wheel, and the results make for worrying reading. The report found that 1.6% of drivers (spotted from the roadside) were using handheld devices which equates to a staggering 470,000 motorists breaking the law every day. The figures are a considerable rise on previous years and tragically the number of phone-related crashes and fatalities has also risen. In 2013 mobile phone use played a part in 22 fatal collisions and many believe that using handheld devices poses a greater…
  • Are your car keys covered by your insurance?

    qldb_admin
    12 Mar 2015 | 4:32 am
    It’s been a great start to the day but as you leave the house you realise that you can’t find your keys. Five minutes later and you’re in a frenzy rifling through kitchen draws and diving down the back of the sofa. Eventually you manage to track-down your keys (exactly where you left them) and set-off to work under a cloud. If you have ever had your day ruined by a lost set of keys you aren’t alone. The Brits are a forgetful bunch and a recent report found that we misplace up-to nine items every day. While misplacing your car keys is an inconvenience, losing them can leave you…
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    Insurance for Realtors and Real Estate Brokers

  • Another Copyright Infringement Lawsuit for MLS Photos

    jschildt
    16 Mar 2015 | 5:55 am
    In a previous post, we reported on a matter of copyright infringement costing a Realtor $250,000.  In that case, the Realtor pulled photos directly from the internet and saved them to the MLS of a home he had listed.  The photographer discovered this violation and sued the Realtor.  This error cost the Realtor a pretty penny. Lest you think this type of risk is unique, another similar matter has arisen recently, but with a fact profile a little more alarming. A Beverly Hills mansion was being sold with a list price in the millions.  The listing agent was given a memory stick containing…
  • Referrals, Property Development Bring Lawsuits

    jschildt
    29 Jan 2015 | 11:05 am
    Dangers of Referrals In Nebraska, a lawsuit involving a referral from a real estate agent made it all the way to the Nebraska Supreme Court.  The lawsuit stemmed from an email written by an agent after using Steinhausen Home Inspections.  The email said that the owner, Matthew Steinhausen did a poor job on a property inspection, was a “total idiot” and the agent would never use him or his company again.  The email went to 600 people.  Mr. Steinhausen alleged that the email was libel and hurt his business. In this particular matter, the court affirmed a dismissal of the case, but left…
  • How Does Legalized Marijuana Impact Realtors?

    jschildt
    8 Dec 2014 | 6:06 am
    As the public perception of marijuana changes, so are the laws – and at a quick pace in recent years.  Many states are allowing medicinal and/or recreational use of marijuana within their boundaries.  Some of those states are also allowing a limited number of marijuana plants to be grown for personal use.  With many of these state being among the largest and most populated in the nation, roughly half of all Realtors live in a state with some marijuana usage allowed.  These developments impact real estate agents in many diverse ways. Management Concerns As many real estate agents also…
  • Realtors Sued over Surveys and Flood Plains

    jschildt
    28 Oct 2014 | 6:58 am
    In the news this past month came a pair of lawsuits with concerning implications for the real estate industry.  Real estate firms should note of the dynamics of each suit and take stock of their own internal risk management guidelines and insurance. The first case takes place in Pinellas County, Florida.  A Realtor was sued three years after acting as the buyer’s agent on a large waterfront home.  The home had a first floor that was finished with a number of bonus rooms including a game room and work out room.  However, the county sent a letter – addressed to the prior owners –…
  • Thirty Percent of House Disappears after Purchase

    jschildt
    4 Sep 2014 | 6:38 am
    Chinese Millionaire Hiroshi Horiike just lost 5,566 square feet from his California Tuscan-style mansion.  After looking at more than 80 estates, Horiike settled on a 4 bedroom Malibu home with a reported 15,000 square feet of living space.  However, after purchasing the home, he discovered that the actual living area was only 9,434 square feet.  The 15,000 sq. ft. was confirmed by the seller’s brochure as well as his agent representing him on the purchase. Horiike paid cash for the $12.5M home, making an appraisal unnecessary.  He also did not order a measurement when he had the…
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    The Esurance Blog

  • Esurance Commercial: Sorta Valet Driver [Video]

    Jennifer Wood
    30 Mar 2015 | 10:21 am
    If your valet driver’s wearing a helmet and cape, you may want to think twice before handing over your keys. #sorta The post Esurance Commercial: Sorta Valet Driver [Video] appeared first on The Esurance Blog.
  • Kill the Lights: Your Questions About Earth Hour Answered

    Meghan Kane
    25 Mar 2015 | 10:12 am
    Earth Hour urges everyone on the planet to turn off their lights for one hour, ultimately sparking action on environmental action across the globe. The post Kill the Lights: Your Questions About Earth Hour Answered appeared first on The Esurance Blog.
  • How Spring Cleaning Can Save Closet Space and Maybe Even Cash

    Emily Patz
    23 Mar 2015 | 4:12 pm
    Clean out, help out, and maybe even cash out by sweetening your spring cleaning routine with these helpful tips. The post How Spring Cleaning Can Save Closet Space and Maybe Even Cash appeared first on The Esurance Blog.
  • Moody Hues: How Your Wall Colors Could Make You Feel

    Emily Patz
    20 Mar 2015 | 4:15 pm
    Just how moody are the hues in your home? Find out how the color of your walls might make you feel. The post Moody Hues: How Your Wall Colors Could Make You Feel appeared first on The Esurance Blog.
  • Flirting While Driving: Dating Game or Dangerous Distraction?

    Emily Patz
    18 Mar 2015 | 3:06 pm
    If you think winking at a dreamboat in the next lane is all in good fun, the scary facts about flirting while driving could change your mind. The post Flirting While Driving: Dating Game or Dangerous Distraction? appeared first on The Esurance Blog.
 
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    The Murray Group

  • March Madness Could Mean Mayhem For Your Business

    Ryan Murray
    17 Mar 2015 | 8:17 am
    If you live in Albany, you’re sure to know that the University at Albany men’s and women’s basketball teams will be playing in the NCAA tournament. Even if you’re not a UAlbany fan and you follow the Buffalo Bulls who are making it to the tourney for the first time, you’ve got Bracketology on the brain. And so do your employees. While it is one of the most exciting times of the year, it is a drain to your business and a NY liability exposure. The numbers are staggering, in fact. According to the law firm Challenger, Gray and Christmas, American companies will…
  • Did He Put a Ring On It?

    Ryan Murray
    10 Mar 2015 | 1:08 pm
    NY jewelry insurance is limited on a homeowners policy. Were you lucky enough to be the recipient of a gorgeous piece of jewelry for Valentine’s Day? You’ve had enough time to thank that special someone for the extra-special holiday gift, but you probably have forgotten to speak with your personal risk advisor to make sure you have enough NY jewelry insurance. Homeowners insurance provides very broad coverage for many of the belongings that you own, but you need to read the fine print to find the section on jewelry coverage. Most policies place a specific limit of $1,500 or…
  • Drugs in the Workplace & NY Business Insurance

    Ryan Murray
    17 Feb 2015 | 7:25 am
    What you don’t know can hurt your business. Companies across the country are unknowingly exposing themselves to serious risks and liabilities associated with substance abuse. So, what is substance abuse, how does it impact your organization and what can you do about it? Substance abuse in the workplace means the use of illegal drugs, the misuse of illegally used drugs (prescriptions & over the counter) and the use of alcohol that negatively impacts the workplace. A staggering number of employed individuals have a substance abuse problem – 1 in every 6, according to Christine…
  • Identity Fraud and NY Homeowners Insurance

    Ryan Murray
    11 Feb 2015 | 10:36 am
    A recent article in the Times Union, titled “Are Doctor’s Offices Data Danger Zones?”, brought to light the dangers posed when personal information is released… to anyone. Even to the staff at doctor’s offices, where you go to feel better rather than feel unsafe. When someone steals someone else’s personal information, that is called identity theft. You have likely heard of identity theft, but you may not be aware of the more serious crime of identity fraud – when someone uses that stolen information to commit a crime or fraud in the other…
  • Importance of Fleet Safety for Businesses

    Ryan Murray
    22 Jan 2015 | 12:54 pm
    Do you currently have a fleet safety program in place? Do you know if you should? There are several benefits to a fleet safety program, including reducing the costs of your NY business auto insurance. In this blog, we will discuss OSHA’s recommendations on who should have a program and why you should. Motor vehicles crashes are the leading cause of death and injury for all ages. Accidents on and off the job have long-lasting psychological and physical effects on the employees, their families, co-workers and employers. Crashes also impact your business’ bottom line, whether its…
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    Insurance Quotes Online

  • Why Have a Home Inventory for Insurance?

    Michael Guerin
    28 Mar 2015 | 7:23 am
    In this short video (sorry for the poor quality) Jill Schlesinger discusses why it’s important to get a home insurance inventory. For example, having a detailed inventory will help speed up the claims process. Make sure you keep your records in a secure location, and keep your documents in a watertight packet (like a zip […]
  • What is the Best Investment for Retirement?

    Michael Guerin
    27 Mar 2015 | 8:36 am
    How should you invest for retirement? And what is the best investment to make for your retirement? In this short but powerful video you’ll discover a number of financial myths about saving for retirement, including how hidden fees and expense ratios can erode your retirement savings, and how the rules changed forever after 1974. What’s […]
  • Do I Need Flood Insurance?

    Michael Guerin
    26 Mar 2015 | 9:07 am
    In this short video Trace Meek from Condon-Meek Insurance answer the common question of whether or not you need flood insurance. For example, in states like Florida it may seem obvious that you should get flood insurance to protect your home from water damage caused by storms or hurricanes. But what if you don’t live […]
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    autoinsuresavings.org

  • Car Care Tips Interview with Luke Ellery

    Kirsty Tanner
    27 Mar 2015 | 9:55 am
    Luke Ellery is the first Australian to win an official Road to Indy race and currently runs the driver training and mentoring side of the team at Ellery Motorsport. Luke was kind enough to have a chat with me on all things cars and shares his expert tips on car maintenance with us below. Luke Ellery is Ellery Motorsports Racing Director. What is your dream car? Porsche 917 in Gulf colors What was the first car you ever owned? 1962 Austin Healey Sprite What is your most memorable driving experience? Winning at Sebring, Florida, in a USF2000 car When you’re driving how do you minimize wear…
  • Are You Making These Major Mistakes When Choosing Auto Insurance?

    Anica Oaks
    13 Mar 2015 | 8:48 am
    Because auto insurance is a requirement in most states, virtually everyone will purchase coverage throughout their life. While buying auto insurance is common, many people who buy coverage without doing their homework make major mistakes when they choose a plan. Making a mistake when you buy car insurance can end up costing you a small fortune. Here are four mistakes you should be sure you are avoiding the next time you go shopping for a policy. Choosing Higher Deductibles Than You Can Afford If you have full coverage on your vehicle, it is tempting to select the highest deductible available…
  • The Cheapest Cars to Insure in 2015 with the Best Gas Mileage

    Shaun Fyffe
    16 Feb 2015 | 12:11 pm
    Owning a car can be an expensive proposition. Just finding enough money to drive it off the lot can be daunting, but that’s only half the financial battle. You also have to worry about gas, maintenance – and insurance. Of the three, gas and insurance can eat through your finances faster than you ever thought possible. That’s why, when you’re looking for a new (or new to you) vehicle, it’s important to factor both of these things into the equation. This guide will help you discover which modern cars are the cheapest to insure, while also getting great mileage. The combination of the…
  • Building Up Baby: Tips for Bringing a Vintage Car Back to Life

    Brooke Chaplan
    25 Jan 2015 | 8:02 pm
    It has always been your dream to own a vintage car and to breathe the spark of life back into it. There is something to be said about putting in the hours to make it happen too. Whether you are a closet grease monkey, obsessed vintage car romantic, or new to the hobby of restoring old cars, there are a few issues that must be addressed to make your vintage ride look and perform great again. Make the Car Run When restoring a car, it is not really all that impressive if you never get to hear the roar of a mighty engine. From the starter assembly to the pistons, you must inspect, replace, and…
  • Five of the Most Beautiful Classic Cars and What Sets Them Apart

    Brooke Chaplan
    8 Jan 2015 | 5:51 pm
    While the newest cars to hit the market are loaded with plenty of high-tech goodies, nothing can compete of the nostalgia of a classic car. Not only are vintage cars worth a lot of money, but also offer a very raw driving experience. Here are five of the most beautiful classic cars and what sets them apart. 1962 Ferrari 250 GTE Inside a Ferrari 250 GT Lusso. Image Credit: Rex Gray via Flickr. Ferrari has a long-standing history of producing some of the most stunning sports cars in the world. Although the Ferrari 250 GTE was certainly a powerful automobile, it is still incredibly easy to…
 
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    Assetsure

  • The (Jewellery) Oscars 2015

    Sara Jaspan
    24 Mar 2015 | 7:53 am
    The Academy Awards (or The Oscars as they’re now known) has been honouring cinematic achievement since 1929. Yet, for many of the millions of people who tune in from around the world (36.6 million this year) to watch the annual ceremony, it’s the fashionista drama of the red carpet that provides much of the excitement. No less in terms of the jewels as the gowns. Diamonds everywhere 2015 was all about diamonds. Harry Winston diamonds, to be precise. Nicole Kidman, who was presenting at the ceremony, attended dripping in more that $7M of them alone. Including some 7-carat emerald-cut…
  • The Taylor-Burton Diamond

    Sara Jaspan
    18 Feb 2015 | 4:04 am
    Up next in our series on the world’s twelve most famous diamonds is the Taylor-Burton, worn by the glamorous Elizabeth Taylor herself. Wrapped in a fiery tale of romance Named after Holywood’s most legendary acting couple, the story of the Elizabeth-Burton Diamond measures pretty high on the Richter scale of romance. Taylor fell in love with the 68 carat, pear shaped gem after it was privately flown out to her in Switzerland to examine before going on auction at Parke-Bernet in New York in 1969. Determined to win it for his wife at the time, Burton entered a heated bidding war, charging…
  • Set-up for life

    Maha
    6 Feb 2015 | 6:44 am
    For many, it’s not until you’ve actually begun the process of looking for the perfect engagement ring that it becomes fully apparent just how many factors are at play. Our last blog post outlined a number of these, including the all-important question: what shape of diamond to go for? Yet, while the stone itself is key, accounting for up to 90% of the overall cost, the setting (how the stone is attached to the ring) is every bit as important. It’s what defines the look and should present the stone to its best advantage. Why pay attention to the setting? While it’s of course possible…
  • Shaping a decision

    Sara Jaspan
    29 Jan 2015 | 5:56 am
    With Valentine’s – one of the most popular days of the year to propose – just around the corner, we thought we’d offer some advice on making that all-important decision: choosing the ring. Diamond or no? Though non-diamond alternatives are becoming increasingly popular, diamonds remain the stone of choice among most women when it comes to getting engaged. If you do decide to go down this route, then be sure to keep the 4Cs (the international diamond grading system) in mind as a useful guide when shopping around. Minding your Cs and Qs The 4Cs are: Clarity, Colour, Carat…
  • Diamonds – taking the long view

    Sara Jaspan
    21 Jan 2015 | 6:50 am
    As highlighted in our December blog post, the festive season is by far the most popular time to get engaged. With all those sparkly diamond rings slipping onto fingers, and in the run up to Valentine’s, we’ve once again been seduced by the stone’s timeless allure. But the tradition of a diamond engagement ring is a relative recent one, which can be traced back to a De Beers marketing campaign in the 1940s. So, we’ve decided to take a step back and lift the stone from its pre-nuptial associations. Over the next few months, we’ll be exploring the wider story behind twelve of the…
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    Enhanced Insurance

  • Best Cars for Snow

    Ted Janusz
    31 Mar 2015 | 7:48 am
    Of course, it’s easy to assume that an all-wheel-drive (AWD) car or sport utility vehicle (SUV) can perform better in the snow and on ice than a standard passenger car.  But did you realize that tests have shown that regular front-wheel-drive cars (FWD) fitted with snow tires can actually outperform an equivalent AWD car with all-season tires under severe winter circumstances? So what are the best cars for snow? Let’s begin our discussion with some definitions. Front-wheel-drive (FWD) This is the drive configuration that has been installed in most passenger cars and car-based crossover…
  • The Five Most Important Questions To Ask Your Insurance Provider

    Jonathan Farris
    24 Mar 2015 | 8:01 am
    When I was asked to write a “most important” blog about personal lines insurance, I was a bit overwhelmed. Lists, which I use for darned near everything, are incredibly handy. But a generalized insurance list? Where would I start? Should I write about auto insurance, homeowner insurance or umbrella insurance? And how in the world will I choose THE five most important questions you should ask when purchasing new personal lines insurance coverage? Being a list user, I began to write down potential questions for this project. As I reached the end of page three I began to think, “this…
  • Health Discount Card’s Value

    Jenna Christianson
    17 Mar 2015 | 8:31 am
    Not having prescription drug coverage can be difficult. Whether you take one regular medication or multiple, paying out of pocket can become quite expensive. Some people even decide to stop taking their prescriptions, simply because they can no longer afford it. Fortunately, there is a solution. Many companies, from AARP to pharmacies to non-profit organizations, offer discount prescription cards. Often, it’s free to join and the savings are worth it. High Cost of Medications We all know that medications can be costly. According to a New York Times report in 2013, prescription drugs make up…
  • How Long Can You Wait To File A Homeowner’s Insurance Claim?

    Jonathan Farris
    10 Mar 2015 | 7:59 am
    How long can an insured wait to file a homeowner’s claim with the insurance company? This question is not asked often, but it can have serious financial consequences if you don’t understand the implications of timely claim reporting. Throughout my insurance career I have reminded people that it is extremely important to read their insurance contracts. It’s not nearly as interesting as a good mystery novel, but it is critical to do before a loss occurs. In addition to understanding what is covered, you should also determine what requirements the contract places on you, the insured. Why…
  • Telemedicines Value

    mgarrett
    3 Mar 2015 | 7:47 am
    Resolutions, they peak on December 31 slowly descending into oblivion. In my experience, the minute I share a resolution I feel every move I make is under a magnifying glass. This year I decided to change things up a bit. I questioned if my self-discipline to positive change would be easier if I shared with only one person. Yet here I am spilling it to the world. This is the year I will be healthy for my family. I enjoy the challenges of raising four children. My husband and I claim responsibility for shaping our children’s education and extracurricular activities, while keeping them…
 
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    Money Saving Tips | Insurance Options

  • How to make a Budget | Money Saving Tips

    senomer
    9 Mar 2015 | 12:15 pm
    How to make a Budget – 5 steps, private funds can give you the results as you wants What is the funds? The dictionary defines it because the estimated earnings and expenditure of a gaggle of time. Large corporations have budgets. Small enterprise funds. The household ought to have a funds. If you discover that pay examine to pay verify of your life, it’s possible you’ll have to create a budget. I have no idea the place to begin? Here are the final steps for get the reply of how you can make a funds. Five Steps to create a Good Budget Record correct listing of all earnings and…
  • Bank Secrecy Act and Privacy Regulations

    senomer
    25 Feb 2015 | 12:53 pm
    Bank Secrecy Act In the Caribbean is the primary bank secrecy laws within the Bahamas till 1964 by the Swiss has been “effectively-identified banking paradise” – world-famend “non-public bank.” Government of the Cayman Islands, the Bahamas, adopted by the Bank Secrecy Act, laws with nearly the identical after one 12 months. Grow into the Cayman Islands offshore banking heart earlier than pushing down initially by their secrecy legal guidelines. Today, the entire tax haven secrecy or confidentiality laws. One exception is Bermuda, by no means formally adopted secrecy legal guidelines…
  • Save Money through Property Inspection

    senomer
    24 Feb 2015 | 1:15 pm
    Property Inspection You have spent your life savings in your dream house, and now it is about to be handed over, you need to ensure that the property does not have any construction defects. You will want to rent an apartment and want to ensure that no security problems, so you will not have any losses in the future. This will save you the only thing in both cases is the thoroughness of the examination. This article will guide you about the new and old properties, what common flaw needs to be done to ensure that the new tenant and the landlord does not give the family and the roof leaking and…
  • Money Saving Tips – How to Budget and Save Money

    senomer
    24 Feb 2015 | 9:29 am
    How to Budget and Save Money Are you really serious budget and savings, or you know you need to do is not to use the stuff? How do you budget and save money line begins with tips money. budget means knowing what is coming (income) and what is happening in the (cost), and make sure you can in your life meaning. First of all, you need to find out where your money is spent and how to do this, you need to start a simple bookkeeping system. your first money-saving tip is to spend a few dollars a notebook and pen in the package. Yes, that’s right, money savings. carry your laptop with you at…
  • Why Entrepreneurs are Making a Reality Early Retirement

    senomer
    23 Feb 2015 | 5:29 am
    Why Entrepreneurs are Making a Reality Early Retirement   There are new tendencies in science and technology, which includes entrepreneurs take pleasure in early retirement. Although this concept definitely sounds interesting, it isn’t an opportunity incidence. This requires cautious strategizing; you’ll want to develop a plan. For an entrepreneur, retired The idea is strange. On the one hand, it seems like you’ll get pleasure from and provides you with a soothing, journey, the chance to spend extra time along with his household. On the opposite hand, it may possibly…
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    Law360: Insurance

  • Med Mal Arbitration Rule Waives Consumer Rights, Attys Say

    30 Mar 2015 | 3:03 pm
    The Texas chapters of the American Board of Trial Advocates on Friday told the state Supreme Court that allowing the Federal Arbitration Act to preempt state malpractice law secretly takes away a patient's right to a jury trial, urging the court to reconsider its decision that the state law isn’t an insurance law shielded from the act.
  • Mid-Continent Says Magistrate Erred In $63M Coverage Fight

    30 Mar 2015 | 2:39 pm
    Mid-Continent Casualty Co. on Friday urged a Texas federal court to reject a magistrate judge's recommendation and grant its bid to dismiss a suit claiming it must pay part of a $63 million judgment an architectural firm won after suing a defunct homebuilder for using its designs without permission.
  • Insurer Must Cover Hawaii Collapsed Dam Litigation

    30 Mar 2015 | 12:46 pm
    James River Insurance Co. must cover C. Brewer & Co. Ltd. in a suit over a disastrous 2006 dam collapse that killed seven people and caused extensive property damage in Kauai, the Hawaii Supreme Court ruled Friday, holding that coverage under the relevant policy isn't limited to a list of specified locations.
  • Del. Justices Nix NorthPointe's $15M Award In Contract Row

    30 Mar 2015 | 12:31 pm
    The Delaware Supreme Court on Friday tossed a $15.1 million award to NorthPointe Capital LLC managers in a breach of contract dispute stemming from their $25 million buyout of Nationwide Mutual Insurance Co.’s controlling stake in NorthPointe, saying that a lower court muddied the contract terms.
  • The 2015 Rising Stars, By Firm

    30 Mar 2015 | 11:37 am
    Law360's Rising Stars recognizes attorneys under 40 who have demonstrated outstanding career accomplishments. This year, King & Spalding LLP and Sidley Austin LLP led the pack with seven Rising Stars each, followed by Gibson Dunn and Sullivan & Cromwell LLP with six Rising Stars each, and Jones Day and Kirkland & Ellis LLP with five Rising Stars apiece.
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    SimplyWorkComp

  • U.S. Supreme Court allows for further review of restrictive light-duty policies

    Simply Work Comp
    26 Mar 2015 | 3:04 pm
    By Kathy Bray, Esq. In a previous post, Are work days numbered for the “work injuries-only” light-duty program? we alluded to a pending U.S. Supreme court appeal that could broaden light-duty requirements beyond occupational injuries. The case, which was covered by Time, USA Today and a variety of other news sources, involved a former UPS employee who claimed that she should have been offered light-duty work while pregnant, rather than having to take unpaid leave. The court made a decision on that case yesterday, vacating the lower circuit court decision and remanding the case…
  • What are employer liability limits?

    Simply Work Comp
    19 Mar 2015 | 6:26 am
    When you purchase a workers’ compensation insurance policy, a coverage called employer liability insurance is also included. Sometimes called Part 2 or Coverage B, this insurance is rarely used in most states, and makes up a very small part of the workers’ compensation insurance premium. Because of this, you might just pass over this coverage if not for the need to choose employer liability limits. What employer liability insurance covers There are only a few rare cases where employer liability insurance coverage might be used by a policyholder. Some states permit spouses and…
  • OSHA: Taxpayers, other businesses pay when employers misclassify workers as independent contractors

    Simply Work Comp
    12 Mar 2015 | 5:32 am
    A recent Occupational Safety and Health Administration report identified a trend in the labor market that’s putting workers at risk — misclassification of employees as independent contractors. The report focused on the construction industry, pointing to a study estimating that in three states alone (North Carolina, Florida and Texas) there were more than 500,000 construction workers misclassified as independent contractors. This is problematic because companies that use independent contractors rather than employees are less likely to worry about workplace safety. The report gives two…
  • Protect healthcare workers from back injuries

    Simply Work Comp
    2 Mar 2015 | 5:42 am
    A recent NPR news series has drawn attention to the risks faced by nurses and other healthcare workers when lifting patients. The report cited Bureau of Labor Statistics numbers showing that rates of musculoskeletal injuries for orderlies and nursing assistants were higher than those of police officers and construction laborers. Most of these injuries are caused by heavy manual lifting while transferring, lifting and repositioning patients, according to OSHA. America’s obesity epidemic has compounded the problem. There are a number of good resources available to help healthcare…
  • When unemployment decreases, work injuries increase

    Simply Work Comp
    26 Feb 2015 | 4:30 am
    adapted from SFM Companion You don’t need to be a scholar of economics to notice the significant drop in the U.S. unemployment rate in recent years. While a lower unemployment rate is great news for job seekers, it challenges employers to prevent these new employees from getting hurt at work. SFM claim statistics show a clear correlation between unemployment rates and injuries to new workers. As the unemployment rate goes down, claims among employees on the job for less than one year go up. With an uptick in hiring, employers must be increasingly vigilant to keep safety a high priority for…
 
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