• Most Topular Stories

  • Why You Need a Blogging Strategy STAT

    Agency Nation
    Katie Nordenson
    10 Apr 2015 | 5:00 am
    Over the past few years, blogging has become an important part of most businesses’ digital marketing strategy, and for good reason. Blogging positions you as an expert in your field, and as someone willing to share their knowledge and experience with others. The insurance arena is no different, and implementing even a basic blogging strategy can do a lot to drive traffic to your site, answer consumers’ questions, and build trust with potential new customers. One way to set yourself apart as an insurance expert is to become a trustworthy educational resource for customers and prospects.
  • Ill. tornado scar visible from satellite

    PCI SmartBrief
    17 Apr 2015 | 4:34 am
    The path of a deadly tornado in Illinois last week is visible on images from NASA's Landsat 8 satellite.  -More- 
  • Final Glance: Insurance companies

    Yahoo! Finance: Property & Casualty Insurance Industry News
    17 Apr 2015 | 3:03 pm
    [AP] - Shares of some top insurance companies were mixed at the close of trading: ACE L rose $.50 or .4 percent, to $112.37. Aflac Inc. fell $.24 or .4 percent, to $64.48. American International Group fell $.11 ...
  • Laptop spyware class action reinstated

    Business Insurance - Web News
    17 Apr 2015 | 1:08 pm
    A U.S. appeals court has reinstated a putative class action lawsuit filed by a couple who said their rented computer had spyware that took pictures of them and the websites they visited, violating their privacy.
  • Progressive® Insurance survey says nearly 80 percent of consumers think pricing auto insurance on actual driving is a fairer approach

    Progressive Insurance Newsroom
    12 Apr 2015 | 9:00 pm
    Reprise of "Rate Suckers" national advertising campaign underscores consumers' desire to earn the insurance discount they deserve with usage-based insurance
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    Business Insurance - Web News

  • Laptop spyware class action reinstated

    17 Apr 2015 | 1:08 pm
    A U.S. appeals court has reinstated a putative class action lawsuit filed by a couple who said their rented computer had spyware that took pictures of them and the websites they visited, violating their privacy.
  • U.S. calls for more oil train inspections, other safety measures

    17 Apr 2015 | 12:23 pm
    (Reuters) — Oil train operators must have detailed information on hand about the possible risks of their cargo in case of an accident and perform more thorough checks before moving on the tracks, U.S. transportation officials said on Friday.
  • Alito steps into health reform contraception case

    17 Apr 2015 | 12:16 pm
    Supreme Court Justice Samuel Alito has signed an order temporarily granting relief to a handful of Pennsylvania religious organizations from a lower court's decision that they must notify insurers of their intention not to provide birth control to...
  • Health care law reinsurance fee to generate about $10 billion says HHS

    17 Apr 2015 | 11:40 am
    A health care reform law-created program that imposes a fee on self-funded employers and other health care plan sponsors is expected to generate enough revenue to partially reimburse insurers — under earlier government set standards —...
  • Tennessee comp insurer of last resort to get new administrator

    17 Apr 2015 | 10:01 am
    The National Council on Compensation Insurance Inc. will serve as the plan administrator for Tennessee’s residual workers compensation market as of July 1, according to the Tennessee Department of Commerce and Insurance.
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    Specialty Insurance Blog

  • Fast Growing Insurance Agencies

    Specialty Insurance Blog
    16 Apr 2015 | 12:33 pm
    Fast growing insurance agencies have five common attributes according to Stuart Ganis in PropertyCasualty360 (see here). The traits are: Culture – focused on production Technology – implemented to leverage people and scale Sales & Marketing – process oriented Metrics – measured and shared, in the culture Change – embraced Tennant Risk Services is a fast growing specialty wholesale broker and underwriting manager with a focus on Insurance Agents/Brokers E&O. Tennant Risk Services delivers expertise, markets and exemplary services to our retail insurance agent clients in the placement…
  • Tax Refund Fraud & Cyber Risk

    Specialty Insurance Blog
    7 Apr 2015 | 7:00 am
    With tax day looming, cyber criminals have beaten the tax filing deadline by committing tax refund fraud. 2014 was a record year for breaches (see prior post), w/ breaches up 46% over 2013. And the trend continues in 2015, with Anthem, Premera and other breaches. The glut of stolen information is being used by criminals to create phony tax returns, which are then filed with the IRS and state tax authorities in order to gain refunds. Last year, 86% of taxpayers filed online, and this year nineteen states have recently reported seeing a spike in electronic tax filing fraud cases (see here &…
  • 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…
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    HomeApproved Car Insurance Blog

  • Fewer drivers punished for mobile use, p

    17 Apr 2015 | 12:55 am
    Fewer drivers punished for mobile use, police figures suggest under: HomeApproved
  • DRIVERS in the UK spend £190,000 on….

    14 Apr 2015 | 3:45 am
    DRIVERS in the UK spend £190,000 on motoring during their lifetime and on average are behind the wheel for 63 years! under: Entertainment, General Car Tagged: car costs
  • Thousands of car owners caught out by tax disc loophole

    13 Apr 2015 | 12:45 am
    Thousands of car owners caught out by tax disc loophole! under: General Car, Motoring Law, New Drivers Tagged: tax discs
  • Spring is the best time…….

    9 Apr 2015 | 1:10 am
    Spring is the best time to give your car a thorough clean, especially after those long bank holiday drives! under: General Car Tagged: car cleaning, spring clean
  • A salt water powered car? No way……..!

    7 Apr 2015 | 6:40 am
    A salt water powered car? No way……..! under: Entertainment, Environmental, General Car Tagged: car technology
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    Work Comp Roundup

  • Australian Employer Fined $75K, Contractor Injured

    Kori Shafer-Stack
    17 Apr 2015 | 5:30 am
    One Australian employer found out how expensive it can be when workplace safety is not followed all the time.   The Bibra Lake, Australia steel fabrication business was fined $75,000 over an incident in which a contractor was seriously injured when a crane struck a scissor-lift on which he was working.   Metwest Steel Pty Ltd pleaded guilty to failing to provide and maintain a safe workplace for a contractor carrying out work and, by that failure, causing serious harm to an employee of the contractor, and was fined in the Fremantle Magistrates Court recently.   In October 2011,…
  • Supervisor Safety Responsibility Needs To Be In Job Description

    Michael B. Stack
    16 Apr 2015 | 6:30 am
    The best workers compensation claim is the claim that never happened. It is important for management to create a have a culture to prevent claims, to create a safety program and to improve a safety program.  This top down approach is effective and leads to the prevention of accidents.  What the top down approach often misses is the importance of having the supervisors actively involved in the safety program.  The importance of safety training for the field supervisors or the floor supervisors cannot be overstated.     Safety Responsibility Needs To Be Incorporated Into Supervisor…
  • Washington State Woman Cooked Up Comp Fraud

    Kori Shafer-Stack
    16 Apr 2015 | 5:30 am
    For one Washington State woman, she ultimately got burnt when trying to get away with workers compensation fraud.   The Spanaway woman has been charged with stealing more than $56,000 in injured worker benefits while operating a barbecue eatery.   Susan Kathleen Ruiz claimed she was too disabled from an on-the-job injury to work, yet managed Roadside BBQ in the Parkland-Spanaway area of Pierce County for more than a year and a half, according to court documents filed by the Washington Attorney General.   Now Ruiz, 51, faces a felony charge of first-degree theft (she was…
  • ADA Reasonable Accommodation And Workers Comp Questions Answered

    Attorney Aaron Konopasky
    15 Apr 2015 | 6:30 am
    We had very successfulwebinar recently on the New ADA Return to Work Interpretations.  There were many questions from the audience.  Find below the responses to the questions related to Reasonable Accommodation given by Aaron Konopasky, Senior Attorney Advisor, US Equal Employment Opportunity Commission, and Jennifer Christian, MD, President, Webility Corporation.     Is a reasonable accommodation having someone else do part of the worker’s job?  For example, all of the lifting?    If lifting is an essential function of the job (central to what the person was hired to…
  • New Jersey Employer Fined, Receives 14 Safety Violations

    Kori Shafer-Stack
    15 Apr 2015 | 5:30 am
    One New Jersey employer recently felt the wrath of the U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA).   An investigation was initiated in October of 2014, in response to a complaint, leading to OSHA citing Brantley Brothers Moving & Storage Co. Inc. for 14 serious violations that included:   Safety and health precautions — such as using a regulated area and personal protective equipment, and conducting exposure monitoring — were not in place for workers removing pipes and pipe insulation containing asbestos; Asbestos was not…
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    Colorado Health Insurance Insider

  • Subsidy Eligibility and Income from Dependent Children in MAGI

    Louise Norris
    17 Apr 2015 | 7:37 am
    For many of our clients, income and subsidy eligibility determination have replaced medical underwriting as a source of confusion when enrolling in a new health insurance policy.  If your income is above 400% of the poverty level (for current enrollments, that’s anything above $46,680 for a single person, and $94,500 for a family of four), it […] The post Subsidy Eligibility and Income from Dependent Children in MAGI appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • Short Gap in ACA coverage – IRS Says Three Months is Too Long

    Louise Norris
    14 Apr 2015 | 4:27 pm
    One of the exemptions from the ACA’s individual mandate penalty is for people who have a short gap in ACA coverage.  According to the IRS regulations (see page 53654), there’s no penalty as long as the “continuous period without minimum essential coverage is less than three full calendar months and is the first short coverage […] The post Short Gap in ACA coverage – IRS Says Three Months is Too Long appeared first on Colorado Health Insurance Insider - Colorado Health Insurance Insider - No cost assistance, quotes, research and support.
  • 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…
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    Home Insurance Blog

  • Earthquake Insurance – Is it a Shaky Case?

    Arthur Murray
    16 Apr 2015 | 4:19 am
    Surviving a Sharknado is one thing. But now Californians – at least the movie version of them – will have to outlast a massive earthquake. If you’ve been to the movies during the past couple of weeks, you might have seen the trailer for San Andreas, due in theaters next month. Here’s what happens: The Big One finally hits California, along the more-than-800 mile San Andreas Fault extending through the state. The trailer hints that the earthquake is so massive it can be felt along the East Coast. There’s devastation, helicopters, and more devastation. But what about in…
  • Dive Into Preparing Your Pool

    Arthur Murray
    9 Apr 2015 | 7:12 am
    The approach of summer means it’s time to get your swimming pool ready for fun times with friends and family. But getting the pool ready means more than just taking the cover off, adding some water and dumping in some chemicals. Smart pool owners make sure they’re safe pool owners. Taking more precautions can prevent devastating injuries or worse that lead to costly lawsuits. So don’t break out the sunscreen and beach towels until you’re satisfied that you can open the pool safely. Consider the following tips. The pool itself Don’t pull the cover off until…
  • Keep Home Security on Your Vacation Checklist

    Arthur Murray
    3 Apr 2015 | 9:55 am
    With spring heading into full bloom in much of the country, many people have started to book vacations. Whether you’re going to one of the attractions in Florida or just to Grandma’s house in Texas or elsewhere, there’s one factor you should definitely put on your vacation checklist – securing your home while you’re gone. Think break-ins aren’t a problem? The FBI doesn’t agree with you. According to its Uniform Crime Reports, there’s a burglary every 14 seconds in the U.S., with residential burglaries accounting for about 75% of them. How to cut…
  • 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…
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    Insurance Law Hawaii

  • Coverage for Construction Defects Barred By Exclusion j (5)

    Tred Eyerly
    15 Apr 2015 | 3:01 am
       The Texas Court Appeal reversed a trial court judgment which found coverage in favor of the contractor based upon exclusion j(5). Dallas Nat'l Ins. Co. v. Calitex Corp., 2015 Tex. App. LEXIS 2002 (Tex. Ct. App. March 3, 2015).    Turnkey Residential Group, Inc., was the contractor to construct a twelve-unit townhome complex in Dallas. The owner of the project was Calitex Corporation. Construction began on November 2006. The project was to be completed by Turnkey by October 27, 2007.    Calitex filed suit against Turnkey and some of its subcontractors in February 2008. Calitex…
  • Additional Insured Not Covered Where Injury Does Not Arise Out Of Insured's Work

    Tred Eyerly
    13 Apr 2015 | 3:01 am
       The court found the contractor did not have coverage as an additional insured under the subcontractor's policy. Walton Constr. v. First Fin. Ins. Co., 2015 US. Dist. LEXIS 30710 (E.D. La. March 12, 2015).      John Maestri was injured while working on a construction project for the Jefferson Parish School Board. Maestri was a commercial glazier for A-1 Glass Services Inc. A-1 was a subcontractor for Walton Construction. While Maestri was installing glass on the project, a high-voltage power line maintained by Entergy Louisiana, LLC electrocuted him, causing burns on his body.  …
  • Order for Appraisal Affirmed After Insureds Comply with Post-Loss Obligations

    Tred Eyerly
    8 Apr 2015 | 3:01 am
       The Florida Court of Appeal affirmed an order compelling an appraisal because the insureds complied with their post-loss obligations under the policy. State Farm Fla. Ins. Co. v. Cardelles, 2015 Fla. App. LEXIS 2559 (Fla. Ct. App. Feb. 25, 2015).      The insureds suffered damage to their home after Hurricane Katrina on August 25, 2005, and again after Hurricane Wilma on October 24, 2005. After each hurricane, State Farm was notified. With the assistance of their public adjuster, the insureds submitted sworn proofs of loss for damages caused by each hurricane. After the deductible,…
  • Judgment for Insured Upheld After Insurer Rejects Claim for Hurricane Damage

    Tred Eyerly
    6 Apr 2015 | 3:01 am
       The Texas Court of Appeals affirmed a trial court's judgment as modified against Lloyds for improperly denying a claim for damage caused by Hurricane Ike. Nat'l Lloyds Ins. Co. v. Lewis, 2015 Tex. App. LEXIS 1573 (Tex. Ct. App. Feb. 19, 2015).    Lewis sued Lloyds, alleging that, although her home and personal property were seriously damaged by Hurricane Ike, her claim was denied. At trial, Lloyds testified that the damage to Lewis' home had been previously caused by Hurricane Rita and Lloyds had already paid for repair of the roof. Nevertheless, Lewis had not used the…
  • Hawaii Supreme Court Construes Designated Premises Endorsement In Insured's Favor

    Tred Eyerly
    1 Apr 2015 | 3:01 am
       The Hawaii Supreme Court held that a Designated Premises Endorsement provided coverage for injury and damage that occurred away from a listed location if the injury or damage arose out of the ownership, maintenance or use of the designated premises. C. Brewer and Co., Ltd. v. Marine Indemn. Ins. Co., 2015 Haw. LEXIS 62 (Haw. March 27, 2015). [Disclosure: our office represents C. Brewer].    The case involves coverage for the former owner (C. Brewer) of land under the Kaloko Reservoir. The Reservoir was fronted by an earthen dam. The Dam burst in March 2006, killing seven people and…
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    WordPress Tag: Auto Insurance

  • Wat is het verschil tussen WA, WA+ en All risk?

    Ronald Domacassé
    30 Mar 2015 | 9:14 pm
    De dekking van een autoverzekering is geheel afhankelijk van de polis die u kiest. Hieronder ziet u de populairste mogelijkheden waar u een keuze uit kunt maken. WA (Wettelijke Aansprakelijkheid) De verzekering met de wettelijk verplichte dekking. Mocht u een ongeval veroorzaken, dan is de schade die u toebrengt aan de wederpartij gedekt. WA+ De WA+ verzekering is een WA-verzekering met aanvullende dekking voor uw eigen auto. Uw auto is gedekt tegen de gevolgen van schade door diefstal (of poging daartoe), brand en ontploffing. Casco Met de cascoverzekering bent u gedekt tegen de kosten…
  • 3 more auto insurance discount programs you should know about through Bie Insurance Agency

    30 Mar 2015 | 2:33 pm
    In our last two blog posts we have been discussing the multitude of different auto insurance discounts that we are able to offer drivers in Florida through Bie Insurance Agency. In the first post we listed all 13 of the auto insurance discounts we have potentially available to you. And in our last post we gave you more in-depth explanations on three of those discounts: the Accident-Free Discount, the Anti-Lock Break Discount and the Anti-Theft Device Discount. If you would like to get additional information on any of those three discounts, please click here to go to our last blog post. This…
  • Auto Insurance Pricing Basics

    David McCaleb
    30 Mar 2015 | 1:21 pm
    Do you know how many factors go into determining your auto insurance rates?  It’s not as simple as the car you drive or the frequency with which you use it.  Some companies scrutinize over a hundred different data points on their customers.  Each is weighted, ultimately resulting in a price.  Let’s consider a couple of the major ones. Driving Record Infractions can send rates skyward.  This is because, statistically, driving history is linked to future claims.  We hate to hear it, but numbers don’t lie.  However, the degree of damage varies throughout the United States. …
  • 11 Secret Ways to Save on Your Homeowners Insurance

    30 Mar 2015 | 8:01 am
    You know you need homeowners insurance, but what you may not know is how many different types of discounts that your carrier offers. According to, there are at least 11 types — and chances are, most will be a surprise to you. That’s because, unless you seem like you’re about to jump ship and hand your money over to someone else, an insurance agent has no incentive to tell you about them. Agents typically are paid commissions on policies, so the more you pay, the more they make. More here.
  • Get a discount on your auto insurance policy

    27 Mar 2015 | 11:18 pm
    SHOCKING FACT – 42% of the drivers are still overpaying for their auto insurance policy because they lack information about better offers and discounts on the market. What’s worst they are still thinking that all of the companies offer same (or similar) prices and that it does not make a big difference who they are signing with! That said you can use A LOT of different techniques to save a fortune over the years on auto insurance policies if you know how to go about it. SHOPPING AROUND – good old strategy of shopping around for the best offer still works and some argue even better than…
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  • Couple weds after meeting through tragedy

    17 Apr 2015 | 8:46 pm
    Couple weds after meeting through tragedyPrudente PhotographersBoston Marathon bombing survivor James and nurse Krista tied the knot with many nods to their city featured in the wedding.Their inspiring love storyMore from Style Me PrettySimplest wedding cakes everDIY confetti poppers
  • Report: Aaron Hernandez is on suicide watch

    17 Apr 2015 | 8:46 pm
    Report: Aaron Hernandez is on suicide watchGettyThe former Patriot who was sentenced to life in prison this week is reportedly now on suicide watch at the facility where he's being held.Isolated from the inmate populationMore sports coverage Vikings losing patience with APQuestions for NBA contenders
  • Sacha and Isla reveals new baby's name

    17 Apr 2015 | 8:46 pm
    Sacha and Isla reveals new baby's nameAPSacha Baron Cohen and Isla Fisher welcomed their son one month ago, but the quiet pair have kept his name a secret until now.Sweet name they chose for himMore entertainment newsOprah takes aim at scammersBeckham steals the show in video
  • Heavy snowstorm hits the Rockies

    17 Apr 2015 | 8:46 pm
    Heavy snowstorm hits the RockiesAPIt's officially spring, but Colorado, Utah and Wyoming are getting a deluge of snow, which has already caused chaos on the roads. Snapshots of the frigid weatherMore headlinesDisneyland outbreak is overElmo helps people get vaccinated
  • Okla. approves unusual death penalty method

    17 Apr 2015 | 8:46 pm
    Okla. approves unusual death penalty methodGettyThe state on Friday became the first in the U.S. to sign into law the 'foolproof' technique -- but not without backlash.'Fast and painless' drug untestedMore headlinesE-cigarette use triples for youthAbdul-Jabbar undergoes surgery
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  • Couple weds after meeting through tragedy

    17 Apr 2015 | 8:46 pm
    Couple weds after meeting through tragedyPrudente PhotographersBoston Marathon bombing survivor James and nurse Krista tied the knot with many nods to their city featured in the wedding.Their inspiring love storyMore from Style Me PrettySimplest wedding cakes everDIY confetti poppers
  • Report: Aaron Hernandez is on suicide watch

    17 Apr 2015 | 8:46 pm
    Report: Aaron Hernandez is on suicide watchGettyThe former Patriot who was sentenced to life in prison this week is reportedly now on suicide watch at the facility where he's being held.Isolated from the inmate populationMore sports coverage Vikings losing patience with APQuestions for NBA contenders
  • Sacha and Isla reveals new baby's name

    17 Apr 2015 | 8:46 pm
    Sacha and Isla reveals new baby's nameAPSacha Baron Cohen and Isla Fisher welcomed their son one month ago, but the quiet pair have kept his name a secret until now.Sweet name they chose for himMore entertainment newsOprah takes aim at scammersBeckham steals the show in video
  • Heavy snowstorm hits the Rockies

    17 Apr 2015 | 8:46 pm
    Heavy snowstorm hits the RockiesAPIt's officially spring, but Colorado, Utah and Wyoming are getting a deluge of snow, which has already caused chaos on the roads. Snapshots of the frigid weatherMore headlinesDisneyland outbreak is overElmo helps people get vaccinated
  • Okla. approves unusual death penalty method

    17 Apr 2015 | 8:46 pm
    Okla. approves unusual death penalty methodGettyThe state on Friday became the first in the U.S. to sign into law the 'foolproof' technique -- but not without backlash.'Fast and painless' drug untestedMore headlinesE-cigarette use triples for youthAbdul-Jabbar undergoes surgery
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  • Couple weds after meeting through tragedy

    17 Apr 2015 | 8:46 pm
    Couple weds after meeting through tragedyPrudente PhotographersBoston Marathon bombing survivor James and nurse Krista tied the knot with many nods to their city featured in the wedding.Their inspiring love storyMore from Style Me PrettySimplest wedding cakes everDIY confetti poppers
  • Report: Aaron Hernandez is on suicide watch

    17 Apr 2015 | 8:46 pm
    Report: Aaron Hernandez is on suicide watchGettyThe former Patriot who was sentenced to life in prison this week is reportedly now on suicide watch at the facility where he's being held.Isolated from the inmate populationMore sports coverage Vikings losing patience with APQuestions for NBA contenders
  • Sacha and Isla reveals new baby's name

    17 Apr 2015 | 8:46 pm
    Sacha and Isla reveals new baby's nameAPSacha Baron Cohen and Isla Fisher welcomed their son one month ago, but the quiet pair have kept his name a secret until now.Sweet name they chose for himMore entertainment newsOprah takes aim at scammersBeckham steals the show in video
  • Heavy snowstorm hits the Rockies

    17 Apr 2015 | 8:46 pm
    Heavy snowstorm hits the RockiesAPIt's officially spring, but Colorado, Utah and Wyoming are getting a deluge of snow, which has already caused chaos on the roads. Snapshots of the frigid weatherMore headlinesDisneyland outbreak is overElmo helps people get vaccinated
  • Okla. approves unusual death penalty method

    17 Apr 2015 | 8:46 pm
    Okla. approves unusual death penalty methodGettyThe state on Friday became the first in the U.S. to sign into law the 'foolproof' technique -- but not without backlash.'Fast and painless' drug untestedMore headlinesE-cigarette use triples for youthAbdul-Jabbar undergoes surgery
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  • Couple weds after meeting through tragedy

    17 Apr 2015 | 8:46 pm
    Couple weds after meeting through tragedyPrudente PhotographersBoston Marathon bombing survivor James and nurse Krista tied the knot with many nods to their city featured in the wedding.Their inspiring love storyMore from Style Me PrettySimplest wedding cakes everDIY confetti poppers
  • Report: Aaron Hernandez is on suicide watch

    17 Apr 2015 | 8:46 pm
    Report: Aaron Hernandez is on suicide watchGettyThe former Patriot who was sentenced to life in prison this week is reportedly now on suicide watch at the facility where he's being held.Isolated from the inmate populationMore sports coverage Vikings losing patience with APQuestions for NBA contenders
  • Sacha and Isla reveals new baby's name

    17 Apr 2015 | 8:46 pm
    Sacha and Isla reveals new baby's nameAPSacha Baron Cohen and Isla Fisher welcomed their son one month ago, but the quiet pair have kept his name a secret until now.Sweet name they chose for himMore entertainment newsOprah takes aim at scammersBeckham steals the show in video
  • Heavy snowstorm hits the Rockies

    17 Apr 2015 | 8:46 pm
    Heavy snowstorm hits the RockiesAPIt's officially spring, but Colorado, Utah and Wyoming are getting a deluge of snow, which has already caused chaos on the roads. Snapshots of the frigid weatherMore headlinesDisneyland outbreak is overElmo helps people get vaccinated
  • Okla. approves unusual death penalty method

    17 Apr 2015 | 8:46 pm
    Okla. approves unusual death penalty methodGettyThe state on Friday became the first in the U.S. to sign into law the 'foolproof' technique -- but not without backlash.'Fast and painless' drug untestedMore headlinesE-cigarette use triples for youthAbdul-Jabbar undergoes surgery
  • add this feed to my.Alltop

  • Couple weds after meeting through tragedy

    17 Apr 2015 | 8:46 pm
    Couple weds after meeting through tragedyPrudente PhotographersBoston Marathon bombing survivor James and nurse Krista tied the knot with many nods to their city featured in the wedding.Their inspiring love storyMore from Style Me PrettySimplest wedding cakes everDIY confetti poppers
  • Report: Aaron Hernandez is on suicide watch

    17 Apr 2015 | 8:46 pm
    Report: Aaron Hernandez is on suicide watchGettyThe former Patriot who was sentenced to life in prison this week is reportedly now on suicide watch at the facility where he's being held.Isolated from the inmate populationMore sports coverage Vikings losing patience with APQuestions for NBA contenders
  • Sacha and Isla reveals new baby's name

    17 Apr 2015 | 8:46 pm
    Sacha and Isla reveals new baby's nameAPSacha Baron Cohen and Isla Fisher welcomed their son one month ago, but the quiet pair have kept his name a secret until now.Sweet name they chose for himMore entertainment newsOprah takes aim at scammersBeckham steals the show in video
  • Heavy snowstorm hits the Rockies

    17 Apr 2015 | 8:46 pm
    Heavy snowstorm hits the RockiesAPIt's officially spring, but Colorado, Utah and Wyoming are getting a deluge of snow, which has already caused chaos on the roads. Snapshots of the frigid weatherMore headlinesDisneyland outbreak is overElmo helps people get vaccinated
  • Okla. approves unusual death penalty method

    17 Apr 2015 | 8:46 pm
    Okla. approves unusual death penalty methodGettyThe state on Friday became the first in the U.S. to sign into law the 'foolproof' technique -- but not without backlash.'Fast and painless' drug untestedMore headlinesE-cigarette use triples for youthAbdul-Jabbar undergoes surgery
  • add this feed to my.Alltop - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Munich Re forecasts $3B+ cat bond issuance for second quarter 2015

    17 Apr 2015 | 5:24 am
    Global reinsurance firm Munich Re, the largest reinsurer in the world, said in its latest catastrophe bond and insurance-linked securities market report that it believes total Q2 2015 cat bond issuance could be “north of $3bn.” With such a high volume of cat bonds having matured during the first-quarter of 2015 and another $1.5 billion approximately to mature in the second-quarter, Munich Re’s Risk Trading Unit believes that we could see some sponsors catching up on matured issuances in Q2 of this year. Munich Re notes that while first-quarter issuance reached $1.7 billion…
  • ILS pricing efficiency decouples it from reinsurance: Paul Schultz, ABS

    17 Apr 2015 | 2:40 am
    The rise of alternative asset classes combined with the decoupling of insurance-linked securities (ILS) and traditional reinsurance market pricing, are key contributing factors to the current state of the market, according to Aon Benfield’s Paul Schultz. Speaking to A.M. BestTV at the SIFMA event in New York earlier this year, Paul Schultz, Chief Executive Officer (CEO) at reinsurer Aon Benfield discussed the “fundamental changes” sweeping through the global reinsurance space, the drivers of this and the influence of increased alternative capital. Conventionally, and over a fair few…
  • Ursano joins TigerRisk to drive integrated reinsurance capital approach

    16 Apr 2015 | 11:51 pm
    Tony Ursano is joining reinsurance broker and risk capital advisory TigerRisk Partners LLC as President, in a role expected to help TigerRisk continue on its path as a capital agnostic intermediary with an integrated reinsurance and capital markets approach. Ursano resigned recently from Willis Capital Markets & Advisory and has quickly taken on this role with TigerRisk, where he will help to grow the brokers business, while assisting to identify the most appropriate and efficient sources of capital and capacity for TigerRisk clients. Ursano will also help to build a mergers and…
  • Everglades Re II 2015 cat bond launched at $250m for Florida Citizens

    16 Apr 2015 | 11:25 pm
    Florida’s Citizens Property Insurance Corporation is back with the expected Everglades Re II Ltd. (Series 2015-1) catastrophe bond in advance of the U.S. hurricane season, as the insurer seeks to once again increase its use of capital markets for risk transfer. Florida Citizens made it clear in 2015 that another catastrophe bond would be on the cards, as long as market conditions and pricing were conducive. As Artemis wrote last month, a new special purpose insurance vehicle, Everglades Re II Ltd., was to be established in Bermuda for the purpose of issuing the 2015 cat bond. Now Artemis…
  • Major shareholder prefers EXOR’s bid for PartnerRe over AXIS’

    16 Apr 2015 | 9:09 am
    It seems assured that AXIS Capital will have to increase its bid for reinsurer PartnerRe, if it is to stay in the running for the reinsurance firm, after the a major shareholder told Reuters that it prefers the bid from EXOR. Peter Langerman, Chief Executive of investment group Franklin Mutual Advisers LLC (FMA) who are currently the second biggest shareholder in reinsurance firm PartnerRe, told Reuters that the $6.4 billion all cash offer from EXOR was “much superior” to the AXIS transaction. Langerman also told Reuters that the investor wasn’t “happy with the terms…
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    Free Insurance Magazines and Downloads from

  • The Business License Compliance Handbook

    9 Apr 2015 | 12:00 am
    Almost every business operating in the United States of America is required to maintain multiple business licenses,permits, and tax registrations with the government. That’s a tall order when you consider that there are 55 states andterritories, over 3,000 counties and parishes, approximately 36,000 municipalities, and over 35,000 special purposedistricts that overlay these governmental authorities. Every one of these entities has the authority to require a license,permit, or registration. They often do. Consequently, a comprehensive business license portfolio often includes 4separate…
  • Retirement Advisor

    1 Apr 2015 | 12:20 am
    Retirement Advisor is at the intersection where insurance and investments meet, and it's a place where many of today's most successful advisors are taking their practices. Since 2008, it has been an emphasis in our editorial mission to focus on and champion dual-licensed advisors.Request Free!
  • What can Nordic banks learn from Barclays, HSBC and Santander's social media strategy?

    1 Apr 2015 | 12:00 am
    Discover all the tips you need to maximize your current social media strategy, by downloading the article:Learn from case studies of how European banks use Twitter and get their strategies right!Tips on how to avoid common social media pitfalls and retain your customersUnderstand how to deal with complaints over social media - learn exactly what to reply next timeFind out the importance of training your team on social media to engage with your followers correctly and help maintain your brandRequest Free!
  • Trends in Vision Benefits that Insurance Brokers Need to Know

    25 Mar 2015 | 3:20 pm
    The world is constantly changing with the continuous introduction of new technology. This reality creates new expectations and demands in today's ever-evolving workforce. And technology's effects on vision can negatively impact employee productivity for your clients, which equates to dollars lost. Without offering the right vision benefits and regularly evaluating employee participation, you may be missing the most effective solution. Keep an eye on these 6 trends for your clients' vision benefits. This knowledge will help you and your clients keep up with this changing world — and…
  • 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!
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  • An important message from...Brussels?

    17 Apr 2015 | 12:03 pm
    So this arrived in email:"Anthem is committed to providing our brokers with best-in-class service, and we are always looking for ways to make it easier for you to do business with us – and to help you better serve your clients. Currently, we’re working with a research firm called North American Testing Organization (NATO) to conduct an online broker satisfaction survey to help us better understand your needs."I must admit to a bit of a spit-take upon reading that I might be contacted by (that other) NATO, but must settle for these wannabe's.Be interesting to see what they ask ... I was…
  • How NOT to do Narrow Networks

    17 Apr 2015 | 10:05 am
    We've long noted that one of the negative - and completely foreseeable - consequences of the ObamaTax is the rise of so-called "narrow" networks:"Nationwide, about half of all exchange plans feature narrow networks ... Those narrow network plans cost up to 17% less on average than plans with broad networks."It also means that you're less likely to be able to keep your doc, or even find one willing to take on new patients.And it certainly doesn't help when a doctor decides to implement his own version:"A Long Island cardiologist had the office of another doctor torched, then hired someone who…
  • Yeah, about keeping your Doc

    16 Apr 2015 | 12:10 pm
    As we've long documented, increasing the demand for care (more folks with insurance) will of necessity run into the brick wall of supply of said care. That is, when everyone has access to "free" healthcare, who's going to provide it, especially with narrow networks reimbursing providers less and less?Well, some enterprising Golden State folks have come up with an intriguing (if ill-fated) idea:"Physician Retraining and Reentry (PRR) an online program designed to give experienced, medically licensed physicians and specialists, retired or otherwise, the opportunity to practice adult outpatient…
  • Who is Reading Your Medical File? The more things change (Part 2)

    15 Apr 2015 | 11:30 am
    Last week, we broke the story of how some medical records, particularly those stored on off-shore servers, are likely not protected by HIPAA's privacy reg's. I reached out to Dr Rob Lamberts (whom we've previously interviewed) for his thoughts on this as a provider:Very troubling issues here.  The question of “who has the record” is the most important one.  There needs to be a certainty of who has access to the records unless the patient is made aware of that insecurity and gives consent.  An example of insecurity is the use of Google Spreadsheets for monitoring blood…
  • The 4% Solution

    15 Apr 2015 | 6:00 am
    Heh:"Only 4% of people who signed up for ObamaCare got the correct subsidy"Oops.Expected, of course; actually, I'm surprised the "success" rate was that high. After all, calculating one's subsidy necessarily meant that one was guesstimating the next year's income. Since I've never seen a Ouija board with a $ sign on it, this always seemed...unlikely.And it didn't help that the IRS sent out faulty forms to over three quarters of a million suckers filers, "nearly all of [whom] are being told they'll have to wait, maybe until Oct. 15, to straighten it out."Oh goodie!The good news (for certain…
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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

  • The poster children of OxyContin

    Joe Paduda
    14 Apr 2015 | 11:56 am
    Back at the end of the last century, a wonder drug was introduced that promised to end pain without risk of nasty side effects.  The drug, OxyContin, was aggressively marketed by manufacturer Purdue Pharma; they even made a video featuring seven users who lauded OxyContin. Fast forward just fourteen years. The video has disappeared. Two of the seven are dead; they were abusing opioids when they died. Another was also addicted, but overcame her addiction. Three still believe the drug helped them and one wouldn’t respond to questions posed by a reporter looking to find out the fate of…
  • Where are the other insurers?

    Joe Paduda
    9 Apr 2015 | 7:04 am
    Noticeably absent from the Rx Drug Abuse Summit are non-work comp or Medicaid payers.  The third-party payer track is dominated by workers’ comp PBMs, payers, and researchers.  Sessions are well-attended, well-done, and worth while. One wonders if private insurers selling group health or individual coverage don’t have problems with abuse of prescription drugs, or perhaps more precisely, don’t think it’s a problem for their business. Well, it is. Researchers believe each doctor shopper costs upwards of $10,000. Total costs to private insurers – back in 2007…
  • What comp payers care about

    Joe Paduda
    8 Apr 2015 | 11:12 am
    Over the last two weeks I’ve been talking with senior execs at many large and mid-sized work comp payers about claims management; their approach, focus, staffing, priorities, perspectives. What’s been most enlightening was kind of subtle; it just sort of appeared after I reflected back on my notes from a couple dozen phone calls. Sure I’ve learned a lot about different approaches, unique thinking, resources applied and the pluses and minuses of using internal staff versus vendors in various roles.  No one pretends to know it all, and many are very open to hearing opinions…
  • Off to the Rx Drug Abuse Summit

    Joe Paduda
    6 Apr 2015 | 5:16 am
    The penultimate conference of the “spring” starts today in Atlanta, where the third annual Rx Drug Abuse Summit convenes this afternoon. Specific to workers’ comp is the third party payer track; great discussions of Prescription Drug Monitoring Programs, the impact of opioids on worker’s compensation, legislative trends, and identifying high-risk claimants. Thanks to Millennium Health for their lead sponsorship of the Summit; Millennium has been a consulting client for three years and I’m proud to work with them; they are good people looking to do drug testing…
  • Friday update

    Joe Paduda
    3 Apr 2015 | 5:39 am
    Happy spring…or what passes for it here in upstate New York, which is one day of temps in the high fifties followed by…snow. Caught a few folks with my annual April Fools post; here’s a list of 10 that are waaaay better than anything I’ve ever done (Arnold’s dip is great) (altho I gotta say the post about Coventry acquiring United Healthcare was a beauty) (I’m starting a new thing with today’s catch up; there will be a very brief “this may mean” after each snippet to give my take on potential implications) Back to the real…
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    Insurance Industry Blog

  • Love, Actuarially…

    17 Apr 2015 | 7:13 am
    Actuaries have the top-rated job in America, which gives I.I.I. chief actuary James Lynch a chance to crow. Actuaries – the number crunchers of the insurance industry – have the best jobs in the United States, according to the latest annual analysis by Newspaper reporters have the worst. This has a personal resonance, because I am an actuary and I used to be a newspaper reporter. I wrote personal finance stories for the Miami Herald in the late 1980s. Before that I was a general assignment reporter for the Washington Missourian. I think I’m the only person who can make…
  • Too Few Aware of Opioid Risk

    16 Apr 2015 | 4:30 am
    I.I.I. chief actuary Jim Lynch brings us some surprising numbers on America’s addiction to opioids: Americans are grossly misinformed about the dangers of opioid drugs, according to a recent survey by the National Safety Council (NSC). Opioids are commonly prescribed painkillers like Vicodin, OxyContin and Percocet. The drugs are meant to mimic the nervous system actions of heroin and morphine and all too often lead to similar levels of addiction and suffering. More than 170,000 Americans have died from opioid overdoses this century, nearly triple the number of U.S. military deaths in…
  • 100 Year Event Losses vs. Insurer Estimates

    14 Apr 2015 | 8:01 am
    A major hurricane or earthquake hitting a densely populated metropolitan area like Miami or Los Angeles will leave insurers facing losses that far exceed their estimated 100 year probable maximum loss (PML) due to highly concentrated property values, a new report suggests. In its analysis, Karen Clark & Company (KCC) notes that the PMLs that the insurance industry has been using to manage risk and rating agencies and regulators have been using to monitor solvency can give a false sense of security. For example, it says the 100 year hurricane making a direct hit on downtown Miami will…
  • Active Wildfire Season Likely

    10 Apr 2015 | 7:27 am
    Nearly 37 percent of the United States and more than 98 percent of the state of California is in some form of drought, according to the latest U.S. Drought Monitor. Its weekly update shows that more than 44 percent of California is now in a state of exceptional drought, with little relief in sight. The report says: Continued dryness resulted in an expansion of Exceptional Drought (D4) in northwest California. Statewide snowpack remains at 5 percent as of April 6, 2015.” Here’s the visual on that: What could this mean for wildfire season? The April 1 Outlook issued by the National…
  • MarketScout: P/C Rates Flat in March

    7 Apr 2015 | 1:24 pm
    Commercial insurance rates in the United States held steady in March, according to the latest analysis from online insurance exchange MarketScout. The average property/casualty rate increase was flat or 0 percent compared to the same month last year. This compares to a slight rate increase of 1 percent in February 2015. Richard Kerr, CEO of MarketScout, noted: March is an important month. There is a considerable volume of U.S. business placed with both the U.S. and international insurers. While a small change from February, the downward adjustment in rates may be an indicator of what is to…
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    Go Health Insurance Blog

  • What is a Qualifying Life Event?

    16 Apr 2015 | 11:50 pm
    Do you have a baby on the way? Can you hear wedding bells in the near future? What about a big move for you and your family? Life is full of big and unpredictable events, but there is always comfort in knowing that should one of these situations arise, it provides an opportunity to get the health insurance you need. We’ve outlined all of the different Qualifying Life Events that would present a unique opportunity to enroll in health insurance outside of Open Enrollment.
  • It’s Tax Day! What You Need to Know About Being Uninsured

    14 Apr 2015 | 11:42 pm
    Today is April 15, which means we’ve finally reached the tax return filing deadline. Today is also the first day that many Americans will feel the costly effect of going uninsured. Under the Affordable Care Act, most Americans must have health insurance coverage or face a fine.  Although you still have a few weeks to take advantage of the tax extension special enrollment opportunity and avoid the fine for next year, let’s take a look at what might happen if you choose to completely forgo coverage. What is the tax penalty for being uninsured? If you could afford health insurance…
  • Can I Use My HSA Funds to Pay My Premiums?

    7 Apr 2015 | 11:45 pm
    Many of you might have a Health Savings Account (HSA) and realize that you have more funds in the account than you need. Maybe you’re not even sure what an HSA is at all. What can the money in your HSA account be used for? In some cases, you can use the funds in your HSA to pay health insurance premiums. The more you understand your HSA, the more you can make your tax-free money work for you. Let’s take a closer look. What is a Health Savings Account? An HSA is a tax-exempt account that you or your employer can contribute money to, and then you can put those funds toward qualified medical…
  • What’s the difference between short-term and major medical coverage?

    5 Apr 2015 | 11:03 pm
    If you missed the Open Enrollment deadline, you may still have one last chance to enroll in major medical coverage. However, when searching for coverage options, you may also come across what’s called short-term health insurance. The two might sound similar, but their details can actually be very different. We’ve outlined the variations between major medical and short-term health insurance in the chart below to help you find the right plan.
  • Does My Health Insurance Cover Midwives?

    1 Apr 2015 | 11:11 pm
    Home births have become more and more popular over the past few years. If you are considering having a home birth, be sure your health insurance covers all the services you’ll need to keep you and your newborn safe.   Here are a few questions you should ask yourself now before your bundle of joy arrives: Does my health insurance cover home births? The average cost of a typical hospital birth is $5,000 to $10,000, while a home birth without complications costs between $1,500 and $5,000. Coverage for home births varies widely depending on what state you live in and which insurance carrier…
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    Irish Life Blog

  • Irish Life wins Gold at the Irish Media Awards

    Karl Symes
    10 Apr 2015 | 8:11 am
    We’re thrilled that Irish Life, together with Mediaworks our media agency, has won the Gold Award for our brand advertising campaign at last night’s Irish Media Awards. There were over 30 submissions originally for the media award in the Medium to Large Campaign category. This was whittled down to a short-list of 8 which included campaigns from a range of iconic brands including Fáilte Ireland, Ryanair, Heineken and Unilever / HB Ice Cream. We’re really honoured that our campaign won ahead of such great brands and campaigns. Thanks to Mediaworks for doing such a great job with media…
  • 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…
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  • Sincerity and Belief Lead to Successful Selling

    Wendy Keneipp
    13 Apr 2015 | 1:00 am
     It’s your voice that got you here; telling your story is what will keep you here.” ~ Pharrell Williams to a contestant on The Voice. I love The Voice. It’s true. I watch it religiously and may even be known to download songs and re-watch performances. And the coaches – well, they totally make the show. They’re positive, instructive, encouraging, and fun. They so clearly love the work they’re doing that it obviously doesn’t feel like a job. Imagine! The emotion that the show evokes from me is always surprising. I love watching people take risks and prevail, and with singing,…
  • The Value of Offering a Private Exchange Solution

    31 Mar 2015 | 3:42 pm
    By guest blogger Joe Bucci. There has been a lot of discussion and media coverage over the last couple of years on private exchanges and their relevance in this ACA-era of employee benefits. I have spoken a great deal on the topic, written publications and educated many clients (and brokers) on the value of private exchanges for employer groups of all sizes. I support arguments from all sides of the benefit world (brokers, agents, employers and payroll vendors) that private exchanges are nothing more than glorified or “sexy” benefit administration systems. To some extent, they are…
  • 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…
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  • 5 Tips for Hiring a Credible Contractor

    Fran Shaw
    14 Apr 2015 | 7:21 am
    1.  Ask Around Reach out to friends and family and ask if they know any credible contractors. Maybe your neighbor had work done recently and would let you stop by to take a look! Recommendations from people you know mean much more than online reviews. 2.  Interview Whether you choose to interview your potential contractor over the phone or in person, it’s important you talk to them before agreeing to anything.  It’s a good idea to ask them how long they’ve been in this line of work and if they’d be willing to take on a project your size. 3.  Do Your…
  • April Showers Bring May Flowers

    Fran Shaw
    6 Apr 2015 | 1:04 pm
    April is National Gardening month! While we may not all be fans of rain, we can’t deny the beauty it brings when those vibrant flowers begin to bloom. Whether you’re interested in starting a garden or simply want to brush up on your skills to maintain the beautiful one you already have, read on!   Start Brainstorming Gardens are a lot of work, but maintaining one is a huge accomplishment. To be sure you invest in something worth your time and money, begin brainstorming about your garden. Do you want to plant herbs, flowers, plants, or vegetables? The options are seemingly…
  • Confused About Health Insurance?

    Fran Shaw
    31 Mar 2015 | 9:55 am
    Here are two great health insurance updates that we think are important for you to be aware of and understand: New Exchange Special Enrollment:  Under the Affordable Care Act (ACA), individuals may only enroll through an Exchange during a permitted enrollment period.  The 2015 open enrollment period ended on Feb. 15, 2015.  However, on Feb. 20, 2015, CMS issued guidance providing a special enrollment period for individuals and families who did not have health coverage in 2014 and are subject to the individual mandate penalty when they file their 2014 taxes.  This…
  • April Adventures

    Fran Shaw
    30 Mar 2015 | 1:46 pm
    Local Events You Can’t Miss This Month   Our local community is quite interesting. We have a mix of new families, young adults, and a lively senior citizen population. The events our local communities plan spark an interest in nearly everyone! There’s something for everyone to do, watch, listen, or eat; why would you miss out? Take a look at the events below and be sure to mark your calendars for your favorite ones!   April 10th 9th Annual Team Trivia Night The Lionville YMCA will be hosting the 9th Annual Team Trivia Night on April 10th from 6:30-10:00 p.m. This…
  • 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…
  • add this feed to my.Alltop | P/C insurance

  • Buyer-friendly market expected for commercial clients: Willis

    IFAwebnews Staff
    17 Apr 2015 | 11:03 am
    Risk managers can expect a buyer-friendly market for most commercial insurance coverage lines for the remainder of 2015, while those shopping for cyber coverage could see significant rate increase, according to a report issued by Willis Group Holdings. In Willis’ “2015 Marketplace Realities Spring Update,” the company predicts commercial property rates to fall by 12.5% to 15% for non-catastrophe-exposed and catastrophe-exposed risks alike, due in large part to a “market flush with capacity.” Matt Keeping Capacity is also abundant for commercial casualty insurance, and Willis…
  • Erie Insurance approved for drone use

    IFAwebnews Staff
    17 Apr 2015 | 9:50 am
    Erie Insurance has received conditional approval from the Federal Aviation Administration to use unmanned aircraft systems – commonly referred to as drones – in its claims and underwriting processes. Erie, which offers insurance exclusively through local independent agents, says drones will enable it to provide even better service while keeping a personal touch. Erie joins other insurance carriers, including AIG, USAA and State Farm granted approval for drone use. Read related story: AIG gets approval to use drones for insurance inspections “At Erie, we see drones as high tech meets…
  • New Jersey consumers to receive information explaining homeowners insurance policies

    IFAwebnews Staff
    15 Apr 2015 | 4:44 pm
    Department of Banking and Insurance Commissioner Ken Kobylowski issued a statement telling consumers buying or renewing homeowners insurance that they will receive a one-page summary of their policy that clearly explains its terms, coverages and exclusions, starting in June. The one-page summaries, which are required by legislation signed into law by Governor Christie in 2013 (P.L. 2013, c.53), are aimed at helping consumers better understand their homeowners policies in the aftermath of Superstorm Sandy. Kenneth Kobylowski “As we worked with New Jersey consumers following that devastating…
  • MEMIC promotes Funk to Northeast president, Austin to grow Mid-Atlantic

    IFAwebnews Staff
    15 Apr 2015 | 4:09 pm
    The MEMIC Group announced the promotion of Jeff Funk to president of the Northeast Region, Tod Austin to president of the Atlantic Region to further growth in the Mid-Atlantic, and Gregory Jamison to senior vice president of underwriting for the workers’ compensation insurance firm. Jeff Funk With 32 years of property casualty insurance experience in both the insurance company and independent agency business, Funk joined The MEMIC Group as an executive underwriter in 2006 with the responsibility of growing and developing the Connecticut and upstate New York territories. Funk was…
  • A.M. Best: Appearances can be deceiving with global reinsurance

    IFAwebnews Staff
    14 Apr 2015 | 4:15 pm
    Despite the combined persistence of pricing declines, increased commissions and tougher terms and conditions, the reinsurance industry generated solid results in 2014 with strong combined ratios and profitable returns, according to a report from A.M. Best. The competitive landscape shows no signs of fading, particularly for U.S. property catastrophe programs. Reinsurance pricing for the Jan. 1, 2015, renewals was down between 5%-15%, depending on risk and loss experience, continuing the decline from 2014. The Best’s Special Report, titled “Appearances Can Be Deceiving,” also…
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    Cheap Car Insurance Quotes

  • Can I get car insurance quotes without personal information?

    16 Apr 2015 | 7:07 pm
    Insurance companies are in the insurance business to earn money for their investors, so they intend to make enough money to pay the claims of their policyholders, pay overhead costs, and still have money left over for the stockholders. To do this, they attempt to charge higher rates for those more likely to have insurance claims. Along with this, they need to remain competitive with other sellers of insurance in the chosen area. Use our FREE quote tool above by entering your ZIP code to start comparing rates instantly! Statistics are collected in the insurance industry more prevalently than…
  • Can I find car insurance quotes by VIN number?

    14 Apr 2015 | 7:03 pm
    In order to get accurate car insurance quotes you must have the right information that is requested by the company to assess risk and to provide you with estimates. For consumers who are requesting quotes via a direct website or another online quoting system, there will be several fields that you must fill in before the system can even compute your rates. These fields are all little pieces of information that help paint a bigger picture for the company before an application is submitted or officially underwritten. Quotes may give you an idea of how much you can expect to pay with a company,…
  • Getting Cheap Car Insurance Quotes in Florida

    12 Apr 2015 | 4:03 pm
    Everyone in Florida wants to find cheap auto insurance, but not everyone knows how to do it. If you are moving to the start to escape the blistering cold, or you have lived on the beautiful coast for years, you need to be prepared to do what it takes to save off of your premiums. So many believe that saving money means electing to carry a minimum amount of coverage that really does not offer you much of a shield of protection. The only time that you should choose to lower coverage limits or remove coverage options and when you have shopped around and found that nothing falls into your…
  • Cheap Car Insurance Quotes for Drivers with a DUI

    10 Apr 2015 | 3:49 pm
    Just once you decided to drive home even though you had imbibed a little heavily of alcohol before leaving the bar or restaurant. On the outskirts of town, a patrol officer and his or her partner are watching for drivers who are slightly impaired. You zipped straight through a red light and were nabbed not only for the infraction of ignoring a stop sign, but also for Driving Under the Influence of alcohol. Duly you appear in court, are convicted because the blood alcohol analysis (BAC) indicated your level of alcohol was over 0.08. Your driver’s license is subsequently revoked and, in…
  • Cheap Car Insurance Quotes for First Time Drivers

    4 Apr 2015 | 3:54 pm
    Testing to becoming a licensed driver for the first time can be nerve-wrecking and exciting all at the same time. You need to answer a percentage of questions correctly, get behind the wheel, and then pass the skills test with a stranger who is critiquing your every mistake on paper. Only after you do this will you finally be a new driver with a state-issued driver license. No matter how exciting it can be when you are licensed, it is not so exciting when you start to find out just how much it will cost to buy insurance as a first-time driver. Unlike experienced drivers, you do not have a…
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    Insurance Forum

  • Ethical Question About Call Center Work

    17 Apr 2015 | 8:20 pm
    So I have recently begun working at one of those call centers that "shops several carriers for the customer." So basically an insurer that has partnerships with four other insurers. Of course agent commissions are double for the main company's policies. I was watching an agent today as part of my training. She pulls up a quote and the main company's quote is about $1500/year, versus a Progressive quote that came back at about 1100. She told the caller "it looks like a policy with company XYZ is your best option." Note, she didn't say it was the lowest price, or that it was…
  • Agency Succession Plan

    17 Apr 2015 | 7:00 pm
    I wonder if anyone else has gone through something like this. I work in my family agency (3rd gen) and we consist of my dad (principal) me, a brother, sister, and 2 secretaries/CSR gals. My siblings are both brokers, with my sister recently starting. Right now commissions are assigned to the agency and I talk home half of what I bring in. The agency pays for all overhead and we have a formal office as well. In the last 2 yrs or so I've taken over most of the principals jobs, like marketing campaigns, finding new products, sales ideas. I've been in the business for 10yrs and just turned
  • ALB Insurance Marketing

    17 Apr 2015 | 5:43 pm
    Anyone have any information on ALB Insurance Marketing out of Texas. Bought some leads from this company that were no good. They claim they qualified leads and would set the appointment for the agent. There was no qualification done and they would tell to the potential client that their agent would come by this afternoon to talk them about their insurance needs. This appears to be a dishonest company. Just would like to alert anyone not to use them unless you like to waste your time and money. They claim to be the best FMO in FE industry.
  • Sleep Apnea and Oxygen

    17 Apr 2015 | 3:59 pm
    What companies will issue 1st day if the oxygen is only used at night
  • "New Long Term Care Insurance Thinking"

    Arthur Rudnick
    17 Apr 2015 | 3:39 pm
    Guest Column, "New Long Term Care Insurance Thinking"
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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 Auto Insurance–Facts and Fiction

    15 Apr 2015 | 9:06 am
    San Diego Auto Insurance At times, purchasing car or auto insurance in San Diego can be confusing. You are inundated with advertisements that say, “The application process takes just 5 minutes”, “Just click here to get the lowest price”, or “You don’t need an agent, you have a computer to help you”.  We believe that San Diego auto insurance should be a purchase in which you put thought and consideration into, because you are buying a product and service to protect yourself, your auto and your family. Auto Insurance Facts We wanted to clear up some of the car insurance…
  • Now Is The Time To Think About Your San Diego Personal Insurance

    8 Apr 2015 | 9:03 am
    San Diego Personal Insurance Planning Finding the right San Diego auto insurance is not always an easy task. Don’t believe the TV ads; it does take longer than ten minutes to get insurance.  But finding the right personal insurance for you does not have to be overly difficult. Let us do all the heavy lifting. There are a number of items you may want to consider when reviewing your San Diego personal insurance needs. Personal Insurance Let Us Shop for the Lowest Price Available You get what you pay for, and we compare not only price, but policy features as well.  Not all auto insurance…
  • San Diego Motorcycle Safety Tips

    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

    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

    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…
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    Property Casualty Insurance Blog

  • Get Ready for PCS Catastrophe Code Format Modification

    Ted Gregory
    17 Apr 2015 | 12:42 am
    In less than a year, Property Claim Services (PCS) will modify the format of its catastrophe serial numbers. The change was initiated after many users provided feedback: The two-digit code makes it difficult to identify the catastrophe event year, and the current system has duplicative codes every three to four years. PCS currently designates catastrophes using a two-digit sequential code from 11 through 99. On January 1, 2016 we’ll implement a four-digit code for events in the United States only. The code will consist of the two-digit year followed by the two-digit catastrophe number…
  • Study shows new Verisk Commercial Auto Prefill delivers competitive advantages

    James Cook
    16 Apr 2015 | 10:25 am
    A 2014 Verisk study shows that innovations in prefill technology can affect commercial auto insurance operations in statistically significant and profitable ways. Check out the infographic to learn more, and  request a complimentary data-match test to learn how much of your workflow you could automate. Verisk Commercial Auto Prefill is easy to use:         Simply enter a business or principal name and address.         The system generates a detailed list of vehicles registered to the business.         Just check the boxes next to the vehicles to include them in a quote.
  • Medicare Advantage Strikes Again: Humana v. Western Heritage

    Martin Cassavoy
    15 Apr 2015 | 5:10 am
    The last few years have seen several key cases regarding the evolving issue of what rights Medicare Advantage organizations (MAOs) have when seeking recovery in a primary payer situation. In particular, MAOs are increasingly seeking federal court — and the Medicare Secondary Payer (MSP) statute’s double damages provision — as the means to recover. The latest example is from the Southern District of Florida in the case of Humana v. Western Heritage Insurance Co. The facts in Humana v. Western Heritage are particularly interesting and demonstrate the power of the MSP statute. Simply put,…
  • The MIR Code: Demystifying Section 111

    Daniel Lindner
    15 Apr 2015 | 5:05 am
    April 2015 Introduction: Purpose and Process I want to take a moment to introduce a new column in our newsletter. Over the next several months, I’ll be preparing a short column with the goal to demystify Section 111 reporting. For those of you who know me, you’ll immediately laugh when I say “short column.” I am a talker — and I want this column to be the starting point of a discussion. Why am I doing this over several columns? At its heart, Section 111 of the MMSEA (Medicare reporting) doesn’t need to be overly complicated. When separated into its smaller parts, Section 111…
  • WCMSAP Rx Enhancement

    Melissa Isaacs
    15 Apr 2015 | 5:00 am
    The Centers for Medicare and Medicare Services (CMS) enhanced the Workers’ Compensation Medicare Set-Aside Arrangements portal (WCMSAP or portal) on October 6, 2014, by adding an additional step aimed at the collection of prescription information. This feature was established as part of the agency’s continuing efforts to automate and streamline the Medicare Set-Aside (MSA) review process. With that in mind, this article takes a closer look at the prescription medication enhancement and the impact it has had on CMS review procedures. Background The WCMSAP was established in December 2011…
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  • Legacy Variable Annuities raise concerns due to guarantees and lapse rates – A.M. Best

    Kenneth Simon
    16 Apr 2015 | 6:04 pm
    Assistant Vice President Rosemarie Mirabella in a recent edition of A.M. Best’s First Monday series discusses Variable Rate Annuities and the concerns over legacy blocks of business. According to Ms. Mirabella A.M. Best’s concern is “primarily centered around the tail risk as it relates to the embedded richness of the guarantees, the equity market risk, [...]
  • New safety technologies and usage-based pricing are transforming the U.S. Auto Insurance industry

    Kenneth Simon
    15 Apr 2015 | 6:33 pm
    In a recent edition of A.M. Best’s First Monday series, Vice President Rich Attanasio discusses how usage-based data and advances in automobile technologies are driving changes in the U.S. personal automobile sector. The advancement of safety features in vehicles is having a positive impact in regards to frequency trends in the personal automobile sector said Mr. Attanasio. [...]
  • Inland Marine Industry is thriving according to IMUA President and CEO

    Kenneth Simon
    14 Apr 2015 | 5:01 pm
    Kevin O’Brien, President and CEO of the Inland Marine Underwriters Association (IMUA) discusses some of the major factors impacting inland marine including the economy and advances in technology “The inland marine industry is thriving.” said Mr. O’Brien “The commercial inland marine market has outperformed the property and casualty industry as a whole, by about 10 [...]
  • III’s Hartwig on broke NFIP, Citizen’s withdrawal, TRIA grey area, cyber and drones

    Kenneth Simon
    13 Apr 2015 | 2:59 pm
    Dr. Robert Hartwig, President of the insurance Information Institute (III) joins for a broad discussion about the U.S. National Flood Insurance Program, Florida Citizen’s withdrawal from the hurricane insurance market, TRIA and cyberattacks and drone liability: Broke National Flood Program an entitlement mostly for coastal dwellers Florida Citizen’s withdrawal good news for insurers, and [...]
  • Drones face regulatory scrutiny, but will be a growth area for insurers

    Kenneth Simon
    13 Apr 2015 | 2:55 pm
    Dr. Robert Hartwig, President of the insurance Information Institute (III), joins to discuss the risks from the increasing commercial use of drones. He says a large number of companies, like Amazon, are using drones to deliver merchandise. Insurers are looking to use drones in claims adjusting. Due to U.S. regulatory hurdles, Dr. Hartwig points [...]
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    SelectNews Blog

  • Earth Day Savings: How Saving The Planet Can Save You Money

    16 Apr 2015 | 12:49 pm
    April 22 marks the 45th anniversary of the first Earth Day in 1970. While environmental awareness and sustainability have come a long way since then, the fight to save our planet is by no means over. The good news is that each of us is capable of decreasing the production of carbon dioxide and other greenhouse gases by thousands of pounds each year. But what you may not realize is that going green can actually save you green. Here are six great ways to reduce your carbon footprint – and your energy and gas bills while you’re at it! Upgrade your old cooling systems. If you invest in…
  • Spring Into Fitness!

    9 Apr 2015 | 7:46 am
    Spring is the perfect time of year to improve your fitness – especially if you’ve been hunkering down all winter long. But if you think that means you have to shell out big bucks for a gym membership or Pilates classes, think again. Here are seven easy ways to integrate more exercise into your daily life this spring – without setting foot in a gym! Play with your kids. Your children can be a great incentive to exercise. Instead of plugging them into an iPad when you have some downtime, plan fun outdoor activities like swimming, bike riding, hiking, or hitting the monkey…
  • Determining Your Life Insurance Needs: 10 Milestones For Changing Your Coverage Amount

    2 Apr 2015 | 12:33 pm
    All too often, people buy a life insurance policy, stuff it in a drawer, and forget about it. While there’s no question that having coverage in the first place is the responsible thing to do, it’s important to remember that your life insurance needs hardly remain static. That’s why it’s a good idea to review your current life insurance policy once every five years. If one or more of the following 10 milestones have occurred since you initially bought your policy, it may be time for you to increase – or decrease – your coverage. You’ve gotten married,…
  • April Foolishness: Five Notorious April Fool’s Day Pranks

    31 Mar 2015 | 11:27 am
    Every April 1, people all over the world play practical jokes on their coworkers, friends and family members. Hoaxes are also a popular way to celebrate this unofficial holiday, and have been disseminated by newspapers, radio and television stations, websites, and even corporations since the dawn of the information age. While the exact origins of this tradition remain a mystery, links April Fool’s Day to several historical precursors – including the vernal equinox. On this first day of spring in the Northern Hemisphere, Mother Nature was said to fool people with wildly…
  • Spring Clean Your Finances

    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…
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    Shift Insurance Blog

  • Breaking Down California's Good Driver Discount

    14 Apr 2015 | 11:03 am
    These days, most car insurance companies offer a variety of discounts to keep their rates competitive.  Having everything from good grades to an electric car can save you a little bit of money every month.  But here in California, there is one discount that insurance companies are required to offer -- the Good Driver Discount. What is it? Back in 1988, California residents voted Proposition 103 into law.  Among other insurance-related regulations, Proposition 103 also created the Good Driver Discount -- which requires car insurance companies to give qualifying policyholders a…
  • 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…
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    The trading forex

  • Make Money with Binary Options: Spot-on Forex Trading (The Binary Options Speculator Book 3) Reviews

    17 Apr 2015 | 1:25 pm
    Make Money with Binary Options: Spot-on Forex Trading (The Binary Options Speculator Book 3) A simple, yet amazingly effective system to trade the Forex with binary options Make Money with Binary Options: Spot-on Forex Trading reveals a simple yet effective and complete “plug-and-play” system to trade the Forex market using binary options. If you’re looking to trade binary options this book is for you. It presents an easy-to-follow, complete system to successfully trade the Forex market with binary options. This system is based on a simple yet extremely powerful idea: w…
  • Comex High Grade Copper Futures (HG) Technical Analysis – April 16, 2015 …

    17 Apr 2015 | 4:44 am
    Comex High Grade Copper Futures (HG) Technical Analysis – April 16, 2015 … July Comex High Grade Copper is posting a strong gain during the pre-market session, leading to the call for a higher opening. Yesterday, the market produced a potentially bullish closing price reversal bottom after China released its latest GDP data. Read more on FX Empire CME lowers margins for copper, platinum, iron ore futures Get the latest breaking foreign exchange trade news and current updates from active traders daily. blog posts feature leading edge technical analysis charting tips,…
  • Forex Trading for Beginners: First Steps to Become a Successful Trader (Forex for Dummies)

    16 Apr 2015 | 12:22 pm
    Forex Trading for Beginners: First Steps to Become a Successful Trader (Forex for Dummies) Forex Traders, Look No Further! First Step To Become a Successful Trader Today! Written by a trading mentor and fund manager, the purpose of this Special New Forex Trading for Beginners Ebook is to direct every unsuccessful trader or pioneer in trading world on the right track only with the important information that some needs to start! Trading can be profitable only if you know what YOU are doing! Why not to be a successful trader? You will learn Price: Forex Trading: Your Complete Beginner’s…
  • Lastest Daily Forex News News

    16 Apr 2015 | 3:00 am
    Successful Trades NZDUSD and GBPUSD april 14 2015 According to Christopher Lewis' analysis of the NZD/USD, “I think ultimately this pair does break down”. That creates an investment opportunity on the instruments: “Low”, “No Touch up” and “Touch down”. I logged in the OptionFair™ binary options … Read more on Weekly Forex Forecast April 13 2015 Let Expert Forex Traders teach you how to trade profitably. Register for online trading courses at FX Academy – Free Signup! By: EUR/USD. The EUR/USD pair fell during the course of the…
  • Franc fallout sparks prime broking shake-out

    15 Apr 2015 | 11:49 am
    Franc fallout sparks prime broking shake-out "A lot of the smaller players are now finding it difficult to find prime brokers." Citi declined to give detailed numbers on the scale of its prime broking business but its client base is understood to run into the hundreds. Other major players include … Read more on Reuters Empty Stores Haunt Landlords as More Retailers Plan Cuts Empty stores from retailers that went out of business years ago, like this Borders store in Chicago's Beverly neighborhood, are dotting shopping centers across the country at a time the rest of the…
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    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • Guide to Holiday Home Insurance

    16 Apr 2015 | 2:12 am
    With the holiday season in full swing it’s essential to make sure that you’ve got your property covered; or your dream holiday home could become your worst nightmare. What is holiday home insurance? Holiday home insurance is designed to provide peace of mind for anyone who owns a second property in the UK or overseas. It’s a flexible product which can cover a variety of exposures from Buildings and Contents to Public Liability and Emergency Travel. Holiday home insurance is a specialist product that demands a specialist provider who knows the marketplace inside-out. Why do I need…
  • Motorbiking baby boomers have plenty of gas in the tank

    13 Apr 2015 | 2:08 am
    A new generation of bikers are tearing up the tarmac as a record number of over 50s take to two wheels. Not only are there more over 50s on the roads than ever before, but they’ve also got deep pockets. Figures released by a leading insurer reveal that the over 50s spent £340 million on motorcycling last year; adding-up to nearly one third of the overall market. Not only have older Easy Riders got the spending power for the best bikes and latest kit, but they can also expect cheaper insurance. Calculating motorcycle insurance premiums is all about calculating risk and older drivers are…
  • Insurance News Round-up: March’s Most Interesting Articles 

    10 Apr 2015 | 2:03 am
    Are you insured to mow the lawn?   With the general election looming politicians are taking pot shots at anything that will score points and the European Union is an easy target. No matter where you stand on the EU it looks like this time the naysayers are onto something. The bureaucrats in Brussels have drafted a directive that requires all ‘motor driven vehicles’ to be insured, including mobility scooters, golf buggies and even lawnmowers. The legislation has given Eurosceptics plenty of ammunition and the ruling has been branded ridiculous, absurd and insane. Europe has yet to work…
  • Five Essential Apps for Landlords

    7 Apr 2015 | 2:59 am
    One of the secrets of being a successful landlord is being able to juggle and know exactly what each hand is doing. The following apps have been carefully chosen to help landlords save time, effort and ultimately money. The Landlord App The Landlord App sets out its stall as a one-stop-shop for landlords and does a good job of fulfilling the brief. The app aims to keep you on top of paperwork while on the move; allowing you to keep track of incomings and outgoings, send bulk emails and texts to tenants, and can even provide help finding new tenants. Better still you can add as many properties…
  • Getting your caravan ready for spring

    2 Apr 2015 | 8:42 am
    Easter marks the start of the caravanning season, but before you hit the open road it’s time to give your caravan a little TLC. Take the following steps to make sure your caravan is ready for the Bank Holiday weekend. Damp Check If left untreated damp and mildew can cause serious problems. Use your eyes and nose to detect damp and check that door and window seals are in good order. Give your caravan a thorough airing and remove cushions and mattresses for a spot of sunbathing. Spring Clean There’s something satisfying about cleaning your caravan inside and out. Getting rid of the cobwebs…
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    The Esurance Blog

  • 4 Tips for a Drama-Free Valet Experience

    Jonathan Noble
    17 Apr 2015 | 9:13 am
    Hand over the keys with confidence, knowing you’ll get your car (and everything in it) back in one piece. The post 4 Tips for a Drama-Free Valet Experience appeared first on The Esurance Blog.
  • Esurance Homeowners Insurance Is Now Available in Minnesota

    Rachael Heller
    15 Apr 2015 | 3:38 pm
    Esurance homeowners insurance is now available in Minnesota! So what does this mean for Minnesota homeowners? The post Esurance Homeowners Insurance Is Now Available in Minnesota appeared first on The Esurance Blog.
  • Esurance Homeowners Insurance Buzzes into the Beehive State (aka Utah!)

    Meghan Kane
    15 Apr 2015 | 3:37 pm
    Panoramic views are just part of everyday life in Utah. Now, residents have another reason to brag — Esurance homeowners insurance. The post Esurance Homeowners Insurance Buzzes into the Beehive State (aka Utah!) appeared first on The Esurance Blog.
  • The Dawn of the Self-Driving Car

    Omar Khan
    13 Apr 2015 | 4:52 pm
    Built as a concept car, the self-driving Mercedes-Benz F 015 Luxury in Motion is our first real look at a world without human drivers. The post The Dawn of the Self-Driving Car appeared first on The Esurance Blog.
  • Great U.S. Cities for 5 Types of Cycling

    Blair Cerny
    6 Apr 2015 | 9:40 am
    From road cycling to BMX, this list tells bicycle enthusiasts where to go for different types cycling. The post Great U.S. Cities for 5 Types of Cycling appeared first on The Esurance Blog.
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    The Murray Group

  • Are You On the Board of a Non-Profit Organization?

    Ryan Murray
    9 Apr 2015 | 10:31 am
    Now that the weather is finally taking a turn in upstate NY, many people are getting active again. If you are like myself, you may be thinking about doing volunteer work, like park clean-up, or even joining a non-profit board. Your employer may even encourage you a non-profit board member, or you may feel compelled to join your neighborhood homeowners association. But did you know that joining a non-profit board can be risky? Here are some staggering statistics provided by a non-profit publication: NY directors & officers insurance will protect you as a board member.   About 1 in 100…
  • 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…
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  • 5 Easy Ways To Save Money Travelling

    Claire Vorster
    12 Apr 2015 | 7:28 pm
    9UBCFJ5WDZF85 Easy Ways To Save Money Travelling By Claire Vorster Travel, can enrich the soul and, just as easily, derail the bank account.  We all want to go further for less, and finding simple ways to save money is more important than ever in Singapore. Here are five great ways to save: 1. Go Off-Peak Timing is everything, Travelling in the shoulder season means less crowds and more in your wallet. How about the Galápagos Islands in May or an African safari in the rainy season when there are many new-born animals? You can save up to 40% on peak rates and, in the case of the Galápagos,…
  • 7 Great Reasons To Love Thailand

    Claire Vorster
    10 Feb 2015 | 1:10 am
    9UBCFJ5WDZF87 Great Reasons To Love Thailand By Claire Vorster What’s so great about Thailand?  For a start, it’s smack dab in the center of everything – a quick hop from Singapore, Hong Kong or Bali and half way between Europe and Australia. The kingdom of Thailand has a fascinating history and is the only Southeast Asian nation never to have been colonized by European powers. Located just 15 degrees north of the equator, Thailand has a tropical climate, with temperatures varying between 19 to 38 degrees. If you are a first time traveller or a veteran, this wonderful country…
  • Travel Tips to Help you Enjoy the New Premium Economy Flights to Sydney

    Claire Vorster
    5 Feb 2015 | 7:08 pm
    9UBCFJ5WDZF8Travel Tips to Help you Enjoy the New Premium Economy Flights to Sydney By Claire Vorster From 9 August 2015, customers travelling on select flights from Singapore to Sydney will be the first to experience the new Premium Economy Class.  “Many of our customers’ suggestions have been incorporated into the new product, and we are confident it will be well received by travellers who are looking for more features – in the seat design, in-flight offerings and exclusive privileges – all underpinned by the exceptional service that SIA is well known for, both on the ground and in…
  • Singapore Road Traffic Act Starting Feb 1

    Paul Cypert
    29 Jan 2015 | 12:42 am
    9UBCFJ5WDZF8Singapore Road Traffic Act Starting Feb 1 By Paul Cypert A notice to all drivers.  Updated laws which passed on Sept 82014 will begin enforcement this February. What does that mean for drivers? Well hopefully all drivers are already safe and these won’t affect at all But here’s a breakdown of the main points anyway: If you’re holding a mobile device (phone or tablet) for any reason you will be found guilty of committing an offence.  This doesn’t just mean talking on phones. Any kind of interaction on any portable, digital device will be seen as impairing…
  • 7 Tips for Those Thinking of Taking a Career Break

    Claire Vorster
    25 Jan 2015 | 6:13 pm
    9UBCFJ5WDZF87 Tips for Those Thinking of Taking a Career Break By Claire Vorster Feeling like your life is on hold or stuck in your job? Maybe it’s time to plan a career break.  If the thought of leaving your desk fills you with a mix of happiness and dread, you are not alone. We like normal. But far from stalling your career, a career break can take your working life to a new, improved level. Sure, there are practical things to think about: should you leave your job or agree to take a sabbatical? Should you rent or sell your house? What about the dog? None of these are intractable…
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    Insurance Panda

  • How To Make Your Auto Insurance More Expensive
    10 Apr 2015 | 12:23 pm
    Nobody wants more expensive auto insurance premiums, right?  In this article, we will outline some of the best ways to increase your auto insurance rates, so you will know what NOT to do when it comes to your car insurance. It’s common knowledge that the best ways to raise your auto insurance premiums significantly are… Continue reading →The post How To Make Your Auto Insurance More Expensive appeared first on Insurance Panda.
  • Are Video Game Players Safer Drivers?
    17 Feb 2015 | 9:46 am
    It has long been thought that to be a safer driver you need lots of practice. Most studies show that women over the age of 30 are the safest drivers on the road because they are the most cautious. While experience on the road is essential to becoming a good driver, there are new studies… Continue reading →The post Are Video Game Players Safer Drivers? appeared first on Insurance Panda.
  • The Top 10 Ways To Save Money On Driving In 2015
    28 Jan 2015 | 11:18 am
    Unless they live in an area that is well served by public transportation, most people find it necessary to own a vehicle. Owning a car allows you the freedom to get to and from the places that you need to go without worrying much about it. While this can be very convenient, it comes with a… Continue reading →The post The Top 10 Ways To Save Money On Driving In 2015 appeared first on Insurance Panda.
  • Car Insurance Is Getting Cheaper And Cheaper
    15 Jan 2015 | 10:19 am
    Since the 1990s, car insurance has been growing increasingly affordable in the United States. This improvement can be seen by both low and middle income families in the country. A recent report published by the Insurance Research Council (IRC) concluded that all but six states (including Washington D.C.) saw an improvement in auto insurance affordability from 2001 through 2010. The… Continue reading →The post Car Insurance Is Getting Cheaper And Cheaper appeared first on Insurance Panda.
  • How To Get Cheap Auto Insurance Rates For Students
    10 Sep 2014 | 9:48 am
    Everyone knows that drivers who are very young can pay a lot higher premiums. More experienced drivers get into less accidents as a general rule. Younger people are more at risk for accidents and, because of that, pose a higher risk to their insurance companies. The good news is that if you are a young… Continue reading →The post How To Get Cheap Auto Insurance Rates For Students appeared first on Insurance Panda.
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    Insurance Quotes Online

  • Types of Business Insurance Coverage

    Michael Guerin
    6 Apr 2015 | 8:21 am
    In this short video you’ll get a brief overview of the different types of business insurance coverage available to you. Essentially, though all businesses should have liability coverage, proper risk management comes down to making sure you have the right policies in place to protect your various risk exposures. For example, running a liquor store […]
  • Tips for Getting Commercial Auto Insurance

    Michael Guerin
    4 Apr 2015 | 12:44 pm
    In this video Jared Morgan discusses what commercial auto covers and why your business may need this type of coverage. If your business owns a vehicle then you need this coverage. This is especially important if you (or one of your employees) has an accident while driving to or from a customer or client’s location. […]
  • Tips for Getting Commercial Renters Insurance

    Michael Guerin
    3 Apr 2015 | 9:14 am
    In this short video Insurance Adjuster Dan Odess discusses how commercial renters insurance works. Technically, if you are leasing a unit in a commercial building you’ll want to get a commercial policy to cover both your business and your property in the unit. First, are you required to have coverage that includes “betterments and improvement?” […]
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    Insurance Protection Blog

  • Moving? Here’s A Checklist To Keep Your Finances Organized For Illinois Residents

    RJ Weiss
    1 Apr 2015 | 1:19 pm
    While moving is exciting, it’s also stressful. Very stressful. There’s always more to do. More to pack. There’s more junk laying around than you thought. There’s another phone call to make. Another estimate to get. It’s important throughout all this chaos, to stay as organized as possible. There are dozens of small, but very important tasks to take care of. Forgetting one can be costly. I learned when moving within Chicago, that PeoplesGas needs A LOT of time to simply turn on your gas. Calling a week ahead wasn’t enough. When juggling multiple projects,…
  • The New, Faster Way of Saving Money On Home Insurance

    RJ Weiss
    5 Dec 2014 | 3:44 pm
    In 2011, the average home insurance premium rose by 7.6%! In 2012, the average premium rose by 5%. In 2013, it increased by 5.1%*. To put this in perspective, a homeowner paying $1,000 at the beginning of 2011, is now paying $1,187. A difference of $187 a month. Equal to a new car payment or a nice dinner or two out with the family. Most homeowners have simply absorbed this increase into their monthly budget. Partly because shopping your home insurance is time consuming. The approach many use to shop their home insurance is calling around to a couple of local agents, completing applications…
  • High Net Worth Homeowners' Insurance Mistakes - Six To Avoid

    RJ Weiss
    20 Aug 2014 | 8:24 pm
    When it comes to high net worth homeowners insurance, it can get complicated. doesn’t have to be.   High net worth homeowners tend to make these six self imposed mistakes, that make their situation more difficult to insure.   Fortunately, by avoiding these mistakes, a high net worth individual could also save a substantial amount money.   Here are the six most common...   1.     Lack of Organization - You have acquired your assets over time, so it’s not uncommon to insure these assets in different ways. Your cars, for…
  • Online Password Management Best Practices and Tips

    RJ Weiss
    14 Aug 2014 | 3:44 pm
    If you played 20 questions with members of your closest friends and family, would they be able to guess a password to an online account of yours?   If you answered yes or even maybe, I have some bad news for you, you’re at risk.     As more and more private information comes online, more and more hackers are trying to steal your information.   On August 5th, CNET reported on a potential data breach of 1.2 billion username and password combinations. While information is still leaking about the potential breach, the fact is, breaches are becoming more common.  …
  • Townhome Insurance Coverage 101

    RJ Weiss
    6 Aug 2014 | 3:17 pm
    If you're looking to insure your townhome, the first thing you need to find out is what the master policy covers. The master policy is the policy owned by your townhome association. Most townhome associations have one, and if yours does, ask for a copy. When reviewing the master policy, find out what exactly what the townhome association does and doesn't cover. Most master policies provide coverage only for the exterior of your unit. In addition, coverage for common areas such as parks, pools, club houses, etc... As the owner of a townhome, in most cases, you own only the inside of the unit…
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  • Consumer Report: Best Cars for Keeping Your Family Safe 2015

    Brooke Chaplan
    11 Apr 2015 | 6:54 pm
    Decades of research and development in automobile manufacturing and recent innovations in safety engineering have made new vehicles safer than ever. As the technology advances the National Highway Traffic Safety Administration (NHTSA) continues to raise safety standards for the cars they test. Below are four of The Insurance Institute for Highway Safety’s top picks for the safest family cars available in 2015 2014 Audi A4/S4 Audi A4 2014 NEW Sporty tech-savvy Sedan. Image credit: AllCars youtube. Audi’s 2014 luxury A4 sedan and its performance-oriented sister model the S4 have…
  • 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…
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  • Do you heart the heart?

    Sara Jaspan
    15 Apr 2015 | 2:47 am
    Millions of hearts were stolen by one story this Valentine’s Day when Lady Gaga’s long-term boyfriend, actor Taylor Kinney, proposed with a highly bespoke diamond ring. The news first broke after the pop singer posted a ‘relfie’ (ring-selfie) on the online photo-sharing site, Instagram; which quickly garnered over 482,000 likes. As with any new engagement, all eyes were of course on the ring. Unusually for Gaga, however, on this occasion she was to be out-staged as Kinney succeeded in finding a design just as unique as his fashion-extraordinaire bride-to-be. Rekindling the heart…
  • The Sancy

    Sara Jaspan
    1 Apr 2015 | 2:31 am
    We continue our exploration of the world’s most famous diamonds this month with a look at the Sancy. Though one of the world’s largest white diamonds, the stone has had quite a colourful history, prompting one historian to dub it “the Sancy Blood Diamond”. Here delve into its history to find out why the Sancy has become so infamous. The stone The stone itself is unquestionably beautiful. It is a wonderfully-cut, 55.23 carat diamond, with a soft, pale yellow hue that is almost unnoticeable if you aren’t looking for it (although in photographs the hue can be quite prominent). It is…
  • 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

    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…
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    Enhanced Insurance

  • Ten High Profile Cases in Insurance Claims

    Jenna Christianson
    14 Apr 2015 | 7:20 am
    Many of us have had experience submitting an insurance claim. Insurance companies process events like car crashes, weather damage to our homes, and workers’ compensation every day. But what about those incidents that are really costly? I mean, really, really costly? There are plenty of news articles that discuss the most expensive insurance claims in world history. Most of events listed are catastrophic and impacted hundreds, if not thousands, of individuals. As a result, many of these lists are weather related. For example, the 2005 Hurricanes Katrina and Wilma caused 130 billion dollars…
  • Farm Mutuals

    Jim Holm
    9 Apr 2015 | 8:22 am
    “Many a small thing has been made large by the right kind of advertising.” - Mark Twain I believe farm mutual are the essence of what an insurance company is meant to be. While many large insurance companies view themselves as a tool to amass capital to be efficiently invested, farm mutuals are intent on providing asset protection as economically as possible. We Might Be Confused by Advertising Advertising is the most fun you can have with your clothes on.  Or, so said Jerry Della Femina, a Madison Avenue executive who many think served as inspiration for Don Draper on the TV’s…
  • Veterinary Discount Plan

    Ted Janusz
    7 Apr 2015 | 7:48 am
    Do you own a cat or dog? You are not alone.  Pet ownership in the U.S. has jumped by 300% from the 1970s. While about 67 million homes had pets in the 1970s, there are 164 million households with owned pets. In 2012, fully 62 percent of American homes have at least one pet. Pet-ownership estimates from the American Pet Products Association for 2012 Dogs 83.3 million 47 percent homes own at least one dog 1.47 is the average number of dogs per home $231 is the annual amount spent by average cat owner on routine veterinary visits Cats 95.6 million 2.11 is the average number of dogs per home…
  • Digital Insurance Stores Are Opening in Your Neighborhood: A Memo to Agents

    Jim Holm
    3 Apr 2015 | 8:26 am
    When I started in insurance, clerks wore sleeve protectors to keep from ruining their shirts with the ink from carbon paper. Things were about to change drastically for insurance offices. Even at that time of Sean Connery giving way to Roger Moore, agencies were outsourcing part of the sales process. My title was “special agent” for one of the largest stock companies. Being called a “special agent” at the dawn of the James Bond movie franchise made the title sound extra special, but it carried no 007 privileges. My job was to go with the local independent agent to assist him with…
  • 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…
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    Law360: Insurance

  • Estee Lauder Insurer Denied Replay Of Late-Notice Defense

    17 Apr 2015 | 12:48 pm
    A New York Supreme Court judge nixed OneBeacon Insurance Group’s attempt to reargue that Estee Lauder Inc. provided late notice of its claims related to dumped hazardous materials, saying that the insurer’s previous withdrawal of its late notice defenses isn’t a waiver of those defenses.
  • State Insurance Regulators Step Up Cybersecurity Pressure

    17 Apr 2015 | 12:29 pm
    The National Association of Insurance Commissioners on Friday warned that state regulators are planning to more closely scrutinize insurers' data security practices, and are expecting industry members to take steps to ramp up threat information-sharing and tighten breach notification.
  • 3 Questions About EEOC Rules And Wellness Programs

    17 Apr 2015 | 12:24 pm
    The proposed U.S. Equal Employment Opportunity Commission rule published Monday on using financial incentives to encourage worker participation in wellness programs was welcomed by management-side attorneys, but they still had questions about some areas. Here, Law360 looks at three open issues on the minds of attorneys and employers.
  • Ecolab Buys 882,000-Sq.-Ft. Travelers Tower In St. Paul

    17 Apr 2015 | 12:11 pm
    Ecolab Inc. said Thursday it is buying a 17-story, 882,000-square-foot tower in St. Paul, Minnesota, from The Travelers Cos. Inc. and plans to move its in-town world headquarters to the property.
  • 11th Circ. Won't Rehear Stock Certificate Loss Case

    17 Apr 2015 | 12:10 pm
    The Eleventh Circuit on Thursday denied an Alabama bank’s request for a rehearing of the court’s decision that a Travelers Cos. Inc. financial institution bond didn’t cover losses the bank suffered when a customer defaulted on loans backed in part by a bogus stock certificate.
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  • ‘Sitting is the new smoking’ — here’s what you can do about it

    Simply Work Comp
    16 Apr 2015 | 5:30 am
    How much of your day do you spend in a seated position? Would you try to sit less if you learned that your chair was slowly killing you? The connection between a sedentary lifestyle and health problems isn’t exactly new, but a recent declaration from a Mayo Clinic researcher that “sitting is more dangerous than smoking” has shifted the conversation into a higher gear. The discussion is fueled by numerous studies that link sitting with cancer, heart disease, obesity, diabetes, muscular issues, high cholesterol and depression. This list of maladies should be enough to get the attention of…
  • Are you newly exempt from OSHA recordkeeping requirements? Better double-check

    Simply Work Comp
    15 Apr 2015 | 5:30 am
    The Occupational Safety and Health Administration exempts certain low-hazard industries from keeping injury and illness records called OSHA 300 logs. This year, OSHA’s list of exempt industries changed. If this list suggests that your organization is newly exempt, double-check to ensure that your state’s regulations don’t differ from the federal standard. Some states, including Iowa and Minnesota, operate their own OSHA-approved state plans and don’t necessarily adopt all of the same regulations as the federal OSHA. For example, while Iowa OSHA has adopted the new…
  • Funds available for Minnesota agency safety grants up to $10,000

    Simply Work Comp
    14 Apr 2015 | 5:30 am
    The Minnesota Department of Labor and Industry makes safety grants available to qualifying employers in Minnesota. Grants up to $10,000 are awarded for projects designed to reduce the risk of injury and illness to workers. Grant applications are accepted on a continuous basis and are reviewed bimonthly until all funds are allocated. SFM loss prevention representatives are familiar with the grant application process and are available to assist SFM policyholders who are interested in applying. For a copy of the grant application, qualification requirements or other information, visit…
  • Why employees’ happiness is so important

    Simply Work Comp
    6 Apr 2015 | 5:30 am
    Most U.S. employees are unhappy at work, according to a 2014 survey from The Conference Board. As an employer, should that concern you? Yes! And here’s why… An increasing body of research shows that a positive work environment fosters employee friendships, enhances personal wellbeing and ultimately benefits the organization’s bottom line. Harvard Business Review recently reported on research from the University of Michigan showing that workplace performance was higher in organizations characterized by “positive and virtuous” practices such as caring for colleagues as…
  • 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…
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    Coomes Insurance & Financial Services

  • Term Life Insurance Conversion

    Scott Coomes
    31 Mar 2015 | 10:11 am
    Don’t Forget about the Conversion Privilege in your Term Life Insurance! One of the valuable benefits of having a term life insurance policy is the conversion privilege.  “Conversion” means the ability to exchange part, or all, of the policy’s face amount for a permanent life insurance plan being offered by the same insurance company as the one that offered you the term insurance. If you qualify for such a conversion based on the provisions of the policy, the exchange to the permanent policy is done without any additional underwriting by the company regardless of your current health.
  • Welcome to Coomes Insurance & Financial Services, LLC

    Scott Coomes
    30 Mar 2015 | 11:17 am
    I am excited to announce the launch of Coomes Insurance & Financial Services, LLC (aka, “CIFS”), an agency dedicated to helping people protect their family and business dreams through planning and risk protection solutions. CIFS was established to address two primary risks that everyone faces:  premature loss of life and outliving one’s resources due to unexpected and costly long term care expenses. Our philosophy is simple…earn trust first.  Drawing on our 35 years’ of experience in the financial services/insurance industry, we’ll work together with our clients to…
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    Agency Nation

  • Use Customer Stories to Set Your Business Apart

    Katie Nordenson
    17 Apr 2015 | 4:39 am
    Storytelling is one of the most powerful sales tools agents posses. Prospects want to hear about the realities of working with you, and telling true stories is the most impactful way to show what sets you apart from the agency down the street. Use Success Stories to Grow Your Business If you’ve been in the insurance business long enough, you likely have a few stories about saving the day and helping clients with policy claims. (If not, the day will certainly come when you have the opportunity to help a customer with a sudden, potentially life-changing claim on their auto, home or life…
  • 6 Steps to Handling Online Referrals Like a Boss

    Kelly Schoeff
    15 Apr 2015 | 5:00 am
    Did you know that 71% of all Internet leads are wasted? Businesses work hard to attract the attention of potential clients and customers only to have those leads lost or mismanaged after being captured (last week we described the different between Internet insurance leads versus online referrals). It’s almost unbelievable. The reality is that managing lead workflow takes focus, consistency and persistence. At, we’re often asked by Advantage Subscribers, “How do I handle the inbound online referrals I receive?” How to Handle Online Referrals Below are our…
  • Why You Need a Blogging Strategy STAT

    Katie Nordenson
    10 Apr 2015 | 5:00 am
    Over the past few years, blogging has become an important part of most businesses’ digital marketing strategy, and for good reason. Blogging positions you as an expert in your field, and as someone willing to share their knowledge and experience with others. The insurance arena is no different, and implementing even a basic blogging strategy can do a lot to drive traffic to your site, answer consumers’ questions, and build trust with potential new customers. One way to set yourself apart as an insurance expert is to become a trustworthy educational resource for customers and prospects.
  • Real Success: The Future is Bright for Independent Agents

    Marty Agather
    8 Apr 2015 | 5:00 am
    Real success. has been through many iterations in our mission to support the independent insurance industry. In many regards is a barometer for independent agent digital success. As we approach the second anniversary of our website redesign, we continue to see great progress. We’re currently on pace to hit 235,000 visitors for the month of April. That’s 235,000 insurance buyers informed on the value an independent insurance agent provides. Prior to changing the focus of the site in July of 2013, received between 10,000…
  • Internet Insurance Leads: Five Reasons Why It’s Time to Say Goodbye

    Ryan Hanley
    6 Apr 2015 | 5:00 am
    Click here learn more about the Advantage Subscription. It’s time to say goodbye to Internet insurance leads. Did you really want more leads from the Internet anyway? For a long time at, we talked in terms of leads. All of our performance metrics were lead-based: Leads generated – number of insurance buyers delivered to agent search results. Email leads – number of emails to Advantage subscriber agencies. Phone leads – number of phone calls from Advantage subscriber agency profiles. Leads. Leads. Leads. Personal insurance leads.
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