Insurance

  • Most Topular Stories

  • Lloyd's of London examines cities' economic risk from catastrophes

    PCI SmartBrief
    4 Sep 2015 | 5:15 am
    Portland, Ore., faces greater economic risk from a market crash, cyberattack or flooding than from an earthquake, Lloyd's of  -More- 
  • Local SEO For Insurance Agents: Read This First!

    Insurance Marketing Blog
    John F. Carroll
    9 Dec 2014 | 10:51 am
    Forget everything you think you know about SEO. It’s probably not helping. SEO is complicated. The rules change daily. It’s highly technical. And there’s so much information out there it’s hard to tell what really works. The biggest mistake I see agents making is that they hear a few random tips about a specific part of local SEO and think they “get it”. They don’t. It’s good to know tactics, but only after you understand how they fit into the big picture becuase otherwise you’ll create an online footprint for your agency that misses…
  • Protection for Non-Profit Service: Non-Profit D&O

    Specialty Insurance Blog
    Specialty Insurance Blog
    1 Sep 2015 | 7:00 am
    Serving on the board of a non-profit entity brings exposures, and as a Director of a non-profit you should ensure that the non-profit you are associated with has Directors and Officers (D&O) insurance for protection (see prior posts here, here & here). Directors and Officers (D&O) insurance protects against legal judgments and related expenses resulting from allegations of wrongful acts committed by individuals in their capacity as directors and officers. Most D&O insurance policies for non-profits include a coverage called employment practices liability insurance, which protects the…
  • SmartBrief will not publish Monday

    PCI SmartBrief
    4 Sep 2015 | 5:15 am
    In observance of Labor Day in the US, SmartBrief will not publish Monday. Publication will resume Tuesday. -More- 
  • Horace Mann Reports Quarterly Dividend of $0.25

    Yahoo! Finance: Property & Casualty Insurance Industry News
    4 Sep 2015 | 1:15 pm
    [PR Newswire] - SPRINGFIELD, Ill., Sept. 4, 2015 /PRNewswire/ -- Horace Mann Educators Corporation (NYSE:HMN) Board of Directors today announced a quarterly dividend of 25 cents per share payable on September 30, 2015 ...
 
 
  • add this feed to my.Alltop

    Specialty Insurance Blog

  • Protection for Non-Profit Service: Non-Profit D&O

    Specialty Insurance Blog
    1 Sep 2015 | 7:00 am
    Serving on the board of a non-profit entity brings exposures, and as a Director of a non-profit you should ensure that the non-profit you are associated with has Directors and Officers (D&O) insurance for protection (see prior posts here, here & here). Directors and Officers (D&O) insurance protects against legal judgments and related expenses resulting from allegations of wrongful acts committed by individuals in their capacity as directors and officers. Most D&O insurance policies for non-profits include a coverage called employment practices liability insurance, which protects the…
  • Cyber Risk Trends for Law Firms

    Specialty Insurance Blog
    11 Aug 2015 | 8:15 am
    Law firms have significant cyber risk exposure, and should be carrying Cyber Risk Insurance. A recent article, Cybersecurity: The Looming And Growing Threat (see here), highlights seven trends in law firm cyber security: Law firms are viewed as vulnerable and are being asked to increase IT security Data breaches growing – 27% CLOs reported a breach within the last 24 months Increasing regulation – will be both a burden and an opportunity Broad mobile adoption – mobile devices in wide use at law firms Cyber Risk Insurance is important – many affordable options available, many buying IT…
  • Persuasion

    Specialty Insurance Blog
    21 Jul 2015 | 7:00 am
    This post is off topic from our typical posts, but hopefully helpful to insurance practitioners. As in any business, persuasion is important in insurance, whether soliciting a customer, communicating with an underwriter or interacting with colleagues. Robert Cialdini (see here and here) is the leader of understanding and applying the art of persuasion, starting with his book Influence: The Psychology of Persuasion. The article here discusses the application of the psychology of persuasion to business settings. The key concepts from the psychology of persuasion: Reciprocity - people feel…
  • Top Surplus Lines Insurance Markets

    Specialty Insurance Blog
    7 Jul 2015 | 7:00 am
    The insurer rankings within the excess & surplus lines (or E&S) insurance markets changed in 2014 according to a recent listing from Insurance Journal (see here). Berkshire Hathaway continued its strong growth, at 48% year over year. At the top, Nationwide (Scottsdale) and Berkley (Admiral, Verus) showed material growth, while AIG, Zurich and CNA showed declines. The E&S insurance market provides an alternative for unusual or higher risk insurance unavailable from standard lines insurers (see here & here). The essence of the surplus lines market is the flexibility in coverage forms and rating…
  • Insurance Agents & Cyber Risk Insurance

    Specialty Insurance Blog
    30 Jun 2015 | 7:00 am
    All insurance agencies and brokers should carry Cyber Risk Insurance to protect themselves from data breach exposure and to demonstrate good risk management for clients, yet some insurance agencies do not purchase the coverage. Insurance agencies have client data and premium funds, and need to take risk management and insurance protection steps to mitigate the exposure. A recent PropertyCasualty360 article (see here) and our prior post noted that small businesses are increasingly targeted by hackers. And insurance agents are repositories of all types of personal and confidential information,…
 
  • add this feed to my.Alltop

    HomeApproved Car Insurance Blog

  • Your probably not going… But we can ta

    HomeApproved
    1 Sep 2015 | 1:55 am
    Your probably not going… But we can take a peek at what’s coming to our roads… at the Frankfurt Motor Show http://ow.ly/RCDOLFiled under: HomeApproved
  • Young the most likely drivers to use phone

    HomeApproved
    28 Aug 2015 | 2:20 am
    Young the most likely drivers to use phones – survey http://ow.ly/RugfwFiled under: Car Safety, General Car, Motoring Law, New Drivers, Safe Driving, Young Drivers Tagged: mobile phone driving
  • Crackdown on foreign drivers

    HomeApproved
    24 Aug 2015 | 2:15 am
    Crackdown on foreign drivers who dodge UK parking fines http://ow.ly/RgRglFiled under: General Car, Motoring Law Tagged: parking fines
  • Racing car video game graphics just get better

    HomeApproved
    18 Aug 2015 | 9:55 am
    Racing car video game graphics just get better and better, and better!! http://ow.ly/i/cszJLFiled under: Entertainment Tagged: video games
  • Car immobiliser easy to crack

    HomeApproved
    14 Aug 2015 | 5:10 am
    Car immobiliser easy to crack, say researchers http://ow.ly/QTQxdFiled under: Car Security, General Car, Vehicle Technology Tagged: immobiliser
  • add this feed to my.Alltop

    Work Comp Roundup

  • California’s LETF Produces New Worker Education Materials

    Kori Shafer-Stack
    4 Sep 2015 | 5:30 am
    California’s Labor Enforcement Task Force (LETF), a coalition of government agencies under the direction of the Department of Industrial Relations that combats the underground economy, has produced new educational materials to inform workers of their rights and help employers understand their responsibilities.   The booklet “All Workers Have Rights in California” is now online in English, Spanish, Chinese, Korean and Vietnamese. It covers such topics as minimum wage and overtime, rest and meal breaks, safety and health on the job, and benefits for those injured or unemployed.
  • British Firm Fined, Worker Suffers Life-Changing Injuries

    Kori Shafer-Stack
    3 Sep 2015 | 5:30 am
    A British logistics firm was recently fined more than $117,000 after a worker suffered life-changing injuries in a fall from a roof.   Andrew Bannister, who had worked for PK & IF Cobley Limited for 15 years, was worried about being sent up onto a fragile roof to repair cracks in it, but he was still instructed to do the work.   Leicester Crown Court heard Bannister was sent to repair a fragile roof at Misterton Farm, Great Poultney, Leicestershire, without any means to prevent his fall from the roof edge or through the roof.   In August of 2012, Bannister fell…
  • Defense Attorney Often Over-Looked as Cost Containment Strategy

    Michael B. Stack
    2 Sep 2015 | 6:30 am
    The proper selection of defense attorneys is one of the most important things a self-insured employer can do to control cost of the larger workers’ compensation claims.  It is also one of the most over-looked ways to control claim cost.  Whether you are new to the world of self-insurance, or just not happy with the results your defense attorneys are achieving, the selection of new defense attorneys should be carefully considered.  An in-depth outline of the criteria you consider important in the selection process should be prepared and used to select the defense attorney that will best…
  • Permanent Partial Disability In Workers Compensation

    Michael B. Stack
    2 Sep 2015 | 6:30 am
    The objective of the medical providers in every workers’ compensation claim is to assist the injured employee to recover completely or to the greatest degree of recovery that is possible.  Unfortunately, there are injuries where the employee does not recover fully from the effects of the injury.  When an employee reaches maximum medical improvement (the point where the medical provider decides there is nothing further that can be done to improve the injured employee’s medical condition), the medical provider will assess whether or not the injured employee will have a residual of the…
  • NSC Presents Stakeholder Collaboration Regarding Safety

    Kori Shafer-Stack
    2 Sep 2015 | 5:30 am
    Recently the National Safety Council presented its inaugural Stakeholder Collaboration in Occupational Injury Research award to the Migrant Clinicians Network, the National Farm Medicine Center and five partners for the project, Seguridad en lasLecherías: Immigrant Dairy Worker Health and Safety. The project addressed the health and safety educational needs of immigrant agricultural workers in Wisconsin.   The award was presented at the 2015 National Occupational Injury Research Symposium (NOIRS) at Camp Dawson Training Center in Kingwood, West Virginia. It includes a $1,000 prize.
 
  • add this feed to my.Alltop

    Home Insurance Blog

  • On Labor Day Weekend, Put Safety First

    Samantha Alexander
    3 Sep 2015 | 10:27 am
    Labor Day weekend is upon us, which means one thing – lakes, beaches and backyards will be filled with people attempting to soak up the last of summer’s sun. No matter how you choose to celebrate the holiday weekend, it’s important to make safety a top priority. From fireworks to libations, there are a number of hazards that can threaten your Labor Day festivities. That’s why it’s important to take some time to brush up on your safety knowledge before the weekend arrives, whether you’re hitting the road or staying at home. Here are a few tips to get you started: Review…
  • How to Keep Other Structures Safe and Secure

    Shannon Ireland
    28 Aug 2015 | 10:28 am
    Other structures on your property such as detached garages or sheds can be targets for burglars and can be riddled with potential safety hazards. Here are a few guidelines to follow if you have other structures on your premises. Safety first Garages and sheds can be used for storing boxes you haven’t gotten around to unpacking since moving in, holiday decorations, tools, and vehicles. If your garage gets cluttered, it becomes much easier for you or a guest to trip over things or inhale fumes from spilled chemicals that have been knocked over. To combat potential injuries, follow these…
  • 25 Safest U.S. College Campuses

    Shannon Ireland
    25 Aug 2015 | 4:00 am
    Fall classes are ramping up and parents have sent their babies to learn, grow, explore, and experience some of the best four years of their lives. Though, as a parent, sending your child off to school can be rather nerve-wracking. For many 18-year-olds, college is the first time they’ve been on their own, meaning that mistakes get made and moral compasses aren’t always pointing due north. So college campuses can be sources of a range of crimes from petty theft to possession of drugs to events that are more violent. According to the FBI’s most recent campus attacks study, from 2005…
  • Atlantic Hurricane Season Far from Over

    Shannon Ireland
    21 Aug 2015 | 6:58 am
    With nearly three months of Atlantic hurricane season in the books, little has happened to this point. Is that reason to feel confident that the season will stay quiet? Not at all. Ten years ago this month, for example, Hurricane Katrina devastated New Orleans. Just three years ago, Superstorm Sandy – which at some points was a hurricane – caused damage all along the East Coast in late October. The point here is that the season remains in effect through November. The National Oceanographic and Atmospheric Administration predicts between six and 11 named storms this season, and to date,…
  • What to Do After a Home Burglary

    Shannon Ireland
    14 Aug 2015 | 11:46 am
    Imagine this scenario: you park your car in the driveway after a long day at work and walk up to your home to see your front door kicked open or a window shattered. There’s a rush of emotions as you wonder what could’ve happened and why your home was the target of a break-in. A break-in can be a whirlwind of emotions – feelings of fear, panic, stress, being violated, and many more. However, in this haze of emotions, there are actions that need to be taken in a timely manner. Here’s what needs to be done if your house is burglarized: Call the authorities and your insurance company…
  • add this feed to my.Alltop

    Insurance Law Hawaii

  • Consequential Damages From Subcontractor's Faulty Work Constitutes "Property Damage" and An "Occurrence"

    Tred Eyerly
    2 Sep 2015 | 3:01 am
       The New Jersey appellate court found that the unintended and unexpected consequential damages caused by the subcontractor's defective work constituted "property damage" and an "occurrence." Cypress Point Condo. Ass'n v. Adria Towers, L.L.C., 2015 WL 4111890 (N.J. Super. Ct. App. Div. July 9, 2015).    The insured developer hired subcontractors to perform all of the construction work at a condominium project. The subcontractors failed to properly install the roof, flashing, gutters and leaders, brick and EIFS facade, windows, doors and sealants. The AOAO…
  • Contruction Manager Has Defense As Additional Insured

    Tred Eyerly
    31 Aug 2015 | 3:01 am
       The court found that the construction manager was an additional insured under the contractor's policy. Turner Constr. Co. v. Navigators Ins. Co., 2015 N.Y. Misc. LEXIS 2704 (N.Y. Sup. Ct. July 23, 2015).    The owner hired two contractors, Enclos Corp. and Five Star Electric Corp. In their separate contracts with the owner, each contractor agreed to procure a CGL policy naming the owner and a person identified as the construction manager as additional insureds. Travelers was Enclos's insurer, and Navigators Insurance Company was Five Star's insurer.    Turner was…
  • General Partner Is Not Additional Insured For Construction Defect Claim

    Tred Eyerly
    26 Aug 2015 | 3:01 am
       The court determined that the project owner's general partner was not an additional insured entitled to a defense and indemnity against claims for construction defects. St. Paul Fire & Marine Ins. Co. v,. Cypress Fairway Condo. Ass'n, 2015 U.S. Dist. LEXIS 94012 (M.D. Fla. July 20, 2015).    Construction of the Cypress Fairway Condominium project took place in 1999 and 2000. Cypress Fairway Ltd. ("Cypress") was the owner and Vineland Partners , LLC ("Vineland") was its general partner. The general contractor was Winter Park Construction Company…
  • Additional Insured Status Survives Summary Judgment Stage

    Tred Eyerly
    24 Aug 2015 | 3:01 am
       The court determined that the insurer was not entitled to summary judgment in seeking a determination that a hotel was not the additional insured under its elevator repair company's policy. Aspen Spec. Ins. Co. v. Ironshore Indem. Inc., 2015 N.Y. Misc. LEXIS 2413 (N.Y. Sup. Ct. July 7, 2015).     Michael Patalano was an elevator repairman employed by Transel Elevator Inc. Transel had a contract to maintain the elevators at Alphonse Hotel. The contract required Transel to name Alphonse as an additional insured on Transel's CGL policy.     Patalano was injured while…
  • No Bad Faith In Filing Interpleader

    Tred Eyerly
    19 Aug 2015 | 3:01 am
       The Eighth Circuit determined that filing an interpleader action in the face of multiple claims against the policy holder did not constitute bad faith. Purscell v. Tico Ins. Co., 2015 U.S. App. LEXIS 10438 (8th Cir. June 22, 2015).    Ben Purscell's vehicle collided with another vehicle, in which Tim and Amy Carr were riding. The Carrs were injured, and Purscell's passenger, Amy Priesendorf, was killed. Before the accident, Priesendorf had stretched her leg over and put her foot on the accelerator, on top of Purscell's foot. As the other car approached, Purscell swerved…
 
  • add this feed to my.Alltop

    WordPress Tag: Auto Insurance

  • Get The Most From Your Auto Insurance With These Simple Tips

    premierinsurancedc
    3 Sep 2015 | 9:40 pm
    If you drive an automobile, you have to carry insurance. You will have a lot of different options when it comes to your insurance options. To save money and obtain the best coverage you can, you should spend some time to find out more about auto insurance. Don’t just buy the first insurance policy that you see; take the time to look at everything that is available to you. Even though insurance companies all have access to the same information in your driving record, they use it differently to decide what to charge as an insurance premium. By checking out multiple competitors, you can…
  • 3 Ways Mobility Will Shape Auto Insurance in 2015

    arnoldbartoninsurance
    3 Sep 2015 | 9:25 am
    www.ArnoldInsGroup.com Keep watch for these three trends that are poised to make waves in auto insurance throughout the coming year. I’m sure many remember the days when putting together an automotive claim meant looking up parts pricing in an estimating crash guide, adding up costs with a calculator, and hand-writing a check. The first step toward industry automation came with the addition of bar-coding to the crash guides, which adjusters would use to select the parts they needed to repair or replace, and then submit their selections by hooking up to a telephone line via rubber receiver.
  • Can I still get low cost auto insurance after a DUI? – Video Guide

    johncarternewyork
    3 Sep 2015 | 2:42 am
    Can I still get low cost auto insurance after a DUI? – Video Guide Click Here – For Free Auto Insurance Quotes Now Can I still get low cost auto insurance after a DUI? – Video Guide Additional details at It is continue to feasible to get a small price affordable automobile insurance policy coverage even right after a DUI arrest, … Can I still get low cost auto insurance after a DUI? – Video Guide The post Can I still get low cost auto insurance after a DUI? – Video Guide appeared first on Best Deals Of The Day.
  • Auto Insurance Basics: What You Need To Know

    chiropracticsocialmarketing
    2 Sep 2015 | 8:37 pm
    If you have an automobile, you are going to need insurance. Picking the right plan is often difficult. There are so many insurance options available, making a decision can be quite overwhelming. Choosing the right policy for you does not have to be a daunting task. The advice in the following article will begin your automobile insurance learning process. Driving Record Keep a clean license. When accidents and tickets are on your driving record, your insurance costs can go through the roof. If you do have a poor driving record, taking a defensive driving record can improve it and help you get…
  • Secrets To Your Car Insurance Rates Revealed

    ktvtdeborah
    2 Sep 2015 | 2:30 pm
    Follow CBSDFW.COM: Facebook |Twitter NORTH TEXAS (CBS 11 NEWS) – You probably know your age, where you live, and how you drive impacts your car insurance rates… but did you know where you shop, what credit cards you use, and your level of education could also be a factor? Consumer Reports released a study finding that Texas drivers with poor credit pay on average of $3426 in car insurance. Those with excellent credit and a DWI pay approximately $2435. This means a driver with poor credit pays almost $1000 more than a driver with a DWI. Consumer Reports studied two-billion car…
  • add this feed to my.Alltop

    Insurance RSS Feed | JD Supra Law News

  • Manatt on Health Reform: Weekly Highlights - September 2015

    Manatt, Phelps & Phillips, LLP
    4 Sep 2015 | 1:40 pm
    CMS permits states to use income information from other means-tested benefit programs for Medicaid eligibility determinations; Alaska’s Medicaid expansion is given the green light to launch today; and Washington State submits its Medicaid...By: Manatt, Phelps & Phillips, LLP
  • California Court of Appeal Finds Life Insurance Policy Ambiguous and Rules in Favor of the Insured

    Manatt, Phelps & Phillips, LLP
    4 Sep 2015 | 12:46 pm
    Sequeira v. Lincoln Nat’l Life Ins. Co., No. A139639 (Cal. Ct. App. Aug. 31, 2015) - The California Court of Appeal recently reiterated the importance of careful drafting to insurers when it reversed a trial court’s granting of an insurer’s motion...By: Manatt, Phelps & Phillips, LLP
  • IREG Update - September 2015

    Dentons
    4 Sep 2015 | 11:44 am
    Hot Topic: New York's certificates of insurance law now in effect - The new law addresses long-standing industry concerns and codifies opinions issued by the New York Insurance Department's (predecessor to the Department of Financial Services)...By: Dentons
  • IAIS publishes business risk responses

    Dentons
    4 Sep 2015 | 11:09 am
    IAIS has published the responses to its consultation on “Conduct of business risk and its management”....By: Dentons
  • Medicare Advantage Value-Based Insurance Design Model

    Foley & Lardner LLP
    4 Sep 2015 | 8:54 am
    CMS, through the Center for Medicare and Medicaid Innovation, announced on September 1, 2015, the introduction of the Medicare Advantage Value-Based Insurance Design (VBID) Model as part of the Health Plan Innovations Initiatives, which are intended...By: Foley & Lardner LLP
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    4 Sep 2015 | 4:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    4 Sep 2015 | 4:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    4 Sep 2015 | 4:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    4 Sep 2015 | 4:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    4 Sep 2015 | 4:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    4 Sep 2015 | 4:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    4 Sep 2015 | 4:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    4 Sep 2015 | 4:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    4 Sep 2015 | 4:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    4 Sep 2015 | 4:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    4 Sep 2015 | 4:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    4 Sep 2015 | 4:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    4 Sep 2015 | 4:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    4 Sep 2015 | 4:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    4 Sep 2015 | 4:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    4 Sep 2015 | 4:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    4 Sep 2015 | 4:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    4 Sep 2015 | 4:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    4 Sep 2015 | 4:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    4 Sep 2015 | 4:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    4 Sep 2015 | 4:34 pm
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    4 Sep 2015 | 4:34 pm
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    4 Sep 2015 | 4:34 pm
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    4 Sep 2015 | 4:34 pm
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    4 Sep 2015 | 4:34 pm
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

    Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management Blog

  • Longevity risk transfer & reinsurance opportunities in Brazil

    Artemis
    4 Sep 2015 | 8:41 am
    The Brazilian pension fund market faces growing longevity risk and the regulator is calling for insurers to create products to address this, which will result in new opportunities for the longevity swap and reinsurance providers to tap into a new geographic region. The Superintendency of Private Insurance has estimated that a longevity risk transfer market with volumes of USD$5.5 billion (20 billion Brazilian Real) is required for the immediate longevity risk transfer needs of pension funds in the country. To date, much of the longevity risk transfer markets capacity has been deployed into…
  • Philippines catastrophe bond issuance still on the table

    Artemis
    4 Sep 2015 | 5:59 am
    The government of the Philippines is once again contemplating issuance of a catastrophe bond as it looks to boost its ability to finance the nations recovery after impactful catastrophe events, such as typhoons or earthquakes. The Philippines has been in discussions with organisations such as the World Bank and United Nations for some years now, with the country thought to be the likely next beneficiary of a MultiCat catastrophe bond or a direct issuance through the World Bank’s Treasury unit (similar to the CCRIF’s cat bond), as it seeks to tap alternative sources of reinsurance…
  • Reinsurance has an identity crisis, increasingly like ILS – S&P

    Artemis
    4 Sep 2015 | 3:46 am
    The reinsurance market and its reinsurers are suffering from an identity crisis, increasingly borrowing from the insurance-linked securities (ILS) market as they behave more like ILS players and third-party capital providers, according to rating agency Standard & Poor’s. The line between the traditional reinsurance and the insurance-linked securities (ILS) markets are becoming fuzzy, S&P says. With reinsurers dealing with competitive pressures, the softening market and other negative macro environment factors, “traditional reinsurers are beginning to behave like…
  • Exchange-traded weather insurance products set for launch in India

    Artemis
    4 Sep 2015 | 1:22 am
    Once again the discussion of exchange-traded weather risk management products for Indian farms, companies and insurers has come to the fore, but this time the plan is for a product to be launched after September of this year. The National Commodity and Derivatives Exchange (NCDEX) of India has been developing weather-index insurance and derivative based weather hedging products, which it wants to make available for trading on its exchange. However the current regulatory environment doesn’t allow this type of product, so the NCDEX is waiting for the merger of the commodities regulator,…
  • Tianjin blasts insurance loss as much as $3.3bn: Guy Carpenter

    Artemis
    4 Sep 2015 | 12:16 am
    The insurance and reinsurance industry losses from the explosions at the Chinese Port of Tianjin are expected to range from $1.6 billion to as much as $3.3 billion by broker Guy Carpenter, making the blasts one of Asia’s largest man-made loss events. Tianjin explosion aftermath - Picture from BBC website Guy Carpenter has published a report for its clients, looking at the initial loss estimates from the blasts and outlining the many variables involved in assessing the losses, which could have a bearing on the final insurance industry loss total. The explosions in Tianjin already look…
 
  • add this feed to my.Alltop

    InsureBlog

  • Life Insurance Lost & Found (#LIAM15)

    4 Sep 2015 | 10:41 am
    September is Life Insurance Awareness Month (hence the #LIAM15 in the post title), and once again the kind folks at the Insurance Information Institute have some helpful advice on digging up old policies.And while you're thinking about life insurance, here's a timely video from the LIAM15 folks starring one of my favorite actors, Anthony Anderson, with a personal message on the value of life insurance:Original content copyright © InsureBlog
  • How to Get Skinny Without Trying

    4 Sep 2015 | 5:34 am
    The march towards skinny health insurance networks continues. Anyone with half a brain knew the carriers would figure out ways to protect themselves from Obamacare and limited access to care was at the top of their list.Along with skinny drug formularies.Highmark Health said it would reduce its range of offerings on the Affordable Care Act marketplaces, becoming the latest insurer to retrench amid steep financial losses.They will continue selling plans in all areas currently served, but .......“we will have less products in the market overall,” said David L. Holmberg, the company’s…
  • SSDD

    3 Sep 2015 | 5:15 pm
    And in other news, same stuff, different day.Highmark Health reported an operating loss of $171 million during the first six months of the year as losses soared for health plans sold in Affordable Care Act exchanges.  - Modern HealthcareBut they are not alone.West Penn Allegheny, now the Allegheny Health Network, also reported a $16 million loss during the first half of the year. The operating loss for the Allegheny Health Network for the same period a year ago was $12 million. And further south in the bayou state .....The Louisiana Department of Insurance has taken over…
  • LTCi Up North

    3 Sep 2015 | 6:42 am
    Seems that we Americans aren't the only ones with a long term care problem. Our Neighbors to the North© have their own challenges:"Three in five Canadians (63%) say their family is not in a good position (financially or otherwise) to care for older family members if they need long term health care, and it worries them greatly."The problem is that, much like their counterparts here in the US of A, there's a perception that, absent more government spending, senior care (especially custodial) is going to fall on adult children, spouses and/or other relatives. One solution, of course, is Long…
  • You bet your life (or something)

    2 Sep 2015 | 10:50 am
    It's been a while since we've discussed a certain variation on the "Stranger Owned Life Insurance" phenomenon. Last time we looked, the (dubious) folks at Life Partners were winding down their little scheme (or so it seemed, anyway), and there hasn't really been much news on that front.Regular readers may recall that the whole idea behind this concept is that a 3rd party buys a life insurance policy on or from a terminally-ill person, betting that the insured will die before too many premium payments have been made. There are more than a few variations on this tune, and it's in somewhat of a…
  • add this feed to my.Alltop

    Workers Comp Insider

  • The AI Robotic Tsunami: Coming To A Workplace Near You!

    Tom Lynch
    26 Aug 2015 | 5:09 am
    In 2013, Oxford professors Carl Frey and Michael Osborne published what became a highly read and highly cited study suggesting that machines could replace 47% of America’s jobs over the next 25 years. To say that they got the business world’s attention is a little bit like saying Ted Williams was a pretty good ballplayer. The study, which examined more than 700 US occupations, found that jobs in transportation, logistics, and administrative and office work are at “high risk” for automation. “We identified several key bottlenecks currently preventing occupations…
  • Health Wonk Review’s August edition, hot off the presses

    jferguson
    20 Aug 2015 | 7:18 am
    Neither blazing sun nor heatwaves nor droughts can stop our intrepid health wonks from opining and blogging. At Health System Ed blog, Peggy Salvatore hosts a great summer roundup of best-of posts: Health Wonk Review: The More Things Change, The More They Cost. Here’s a bit of a preview: Eye Selfies. Big Tobacco Abroad. Big Pharma. Something conspicuously absent from the first Republican debate. One of our wonkers on NPR. Personalized Medicine. There’s more, too – check it out. Also, you can follow more timely reports from our wonkers via this Health Wonk Review Twitter…
  • Fall from Grace: Dupont in OSHA’s Severe Violator Enforcement Program

    jferguson
    14 Aug 2015 | 7:24 am
    For many who have had careers committed to safe workplaces, it’s a bit of a heartbreak to see that Dupont, once a pinnacle of safety, is now placed in OSHA’s “Severe Violator Enforcement Program.” This action is the result of investigations spawned by the deadly chemical leak at the La Porte, TX facility last November. The leak claimed the lives of four workers and hospitalized another. Sandy Smith reports in her EHS Today article, OSHA Revisits DuPont Facility Where Four Workers Died, Issues More Citations: In his remarks about the enforcement action against the company,…
  • News Roundup: ADA at 25; Consolidation; Retaliation; “Old Farts” and other noteworthy items

    jferguson
    3 Aug 2015 | 5:57 am
    Last week, the ADA turned 25. A few noteworthy related posts: Jennifer Christian was invited to the White House for the commemoration. She has interesting observations on the event at her blog posting While I was at the White House… Suzanne Lukas AKA “Evil HR Lady” posts 7 Myths About the Americans With Disabilities Act, deconstructing some of the common misunderstandings about the meaning and implementation of the law. Terri Rhodes posts about The Struggles of ADA Compliance at Risk & Insurance. HR Web Cafe posts about The ADA at 25 and the remarkable story of the…
  • Summertime: Health Wonks still on the job

    jferguson
    17 Jul 2015 | 6:03 am
    Despite sultry summer days and vacations, the health wonks are still on the case. Check out the July update of Health Wonk Review: Hot Summer Nights, Cool Summer Drinks. The substantive offerings from all corners of the health policy blogosphere show that the wonks aren’t slacking off. Host Hank Stern does an excellent job of dishing things out at InsureBlog, also offering “a spoonful of sugar to make the medicine go down” in the form of seasonal cocktail recipes. Check it out!
 
  • add this feed to my.Alltop

    Managed Care Matters

  • Work comp medical spend and other fun facts

    Joe Paduda
    4 Sep 2015 | 5:26 am
    In my ongoing effort to serve the public good, here are current facts and figures related to how many dollars are spent on medical care in worker’s comp.  Total medical dollars In 2013 workers comp medical spend totaled $31.5 billion.  Source – NASI’s Workers’ Compensation 2013 Report.  NASI is the definitive source for this data; their primary sources are NCCI for the 38 states where NCCI is the rating agency and state rating agencies/bureaus for the other 13. Worker’s comp medical trend rate NCCI’s Annual State of the Line presentation at the…
  • Is UnitedHealthcare going to stay in the workers’ comp services business?

    Joe Paduda
    3 Sep 2015 | 5:52 am
    I don’t see why not. Those who don’t track these things that closely likely don’t know that UHG is in the work comp services business.  Back in the spring, the company’s Optum subsidiary purchased PBM Catamaran, who had just bought work comp PBM/network/bill review firm Healthcare Solutions. Catamaran (now OptumRx) has substantial share in the workers’ comp PBM space, with total Rx revenues likely in the $650 -$750 million range, spread among its network rental business, PBM Cypress Care, Ohio BWC services and other governmental work. Adding Healthcare…
  • Affordable Care and jobs: the data shows…

    Joe Paduda
    2 Sep 2015 | 6:01 am
    that the predictions of employment declines due to ACA have turned out to be wrong. Right up front, let’s agree that it is pretty much impossible to completely separate the impact of one factor from all the others.  Employment is affected by interest rates (still historically low), international trade, consumer demand, construction, and consumer confidence among other things. That said, the latest research shows no negative impact on: hours worked; labor force participation; employment; and/or the probability of part-time work. One of the demographic groups of most concern was…
  • Thursday catch-up

    Joe Paduda
    27 Aug 2015 | 5:32 am
    I’m off for a few days; back to work next Wednesday. Here are a few items of note you may have missed. Pharma First up, thanks to Ohio BWC Pharmacy Director John Hanna who sent me this MedPage piece on medicine in India in response to my post on generic drug pricing (scroll down for the info on pharma).  A lot of generic manufacturing is done on the sub-continent; one possible reason generic prices increased over the last couple years has been the FDA’s extreme caution in allowing drugs manufactured in India into the US. Given the horrifically bad track record of medicine and…
  • Steroid injections – they kinda sort work some of the time…

    Joe Paduda
    26 Aug 2015 | 8:14 am
    Thanks to Steve Feinberg, M.D. for forwarding a study on epidural steroid injections. Here’s the brief findings: Epidural corticosteroid injections for radiculopathy [pain radiating from the spine] were associated with immediate reductions in pain and function. However, benefits were small and not sustained, and there was no effect on long-term surgery risk. Limited evidence suggested no effectiveness for spinal stenosis. In a follow up, Dr Feinberg provided this: I have a 68 year old physician colleague who is highly functional both at work and recreationally. He has rather severe…
  • add this feed to my.Alltop

    Insurance Industry Blog

  • Spreading Awareness of Insurance to Small Businesses

    Claire
    3 Sep 2015 | 4:30 am
    A couple of new studies appear to shed light on the continuing need to communicate the importance of insurance for small business owners. First, a Nationwide-sponsored survey found that 66 percent of small businesses do not have business interruption insurance (hat tip to Insurance Journal for its report here). This is despite the fact that an estimated 25 percent of businesses do not reopen following a major disaster. Most small business owners are at risk of disaster, Nationwide noted. Some 75 percent of small businesses do not have a disaster recovery plan in place, even while 52 percent…
  • Man-Made Disasters, Global Impact

    Claire
    31 Aug 2015 | 12:37 pm
    A New York Times article over the weekend takes a behind-the-scenes look at the recent deadly blasts at the port city of Tianjin in China. The series of explosions and fire that began at a hazardous chemicals storage warehouse in the Binhai New Area of Tianjin August 12, leveled a large industrial area, leaving at least 150 dead and more than 700 injured. As reported by the NYT, the lack of safety and oversight at the third largest port worldwide is shocking. Here’s an excerpt: As recently as 2013, Chinese academics had warned of many unacceptable environmental risks in the district, citing…
  • Storm Surge Risk Rising Along U.S. Coast

    Claire
    26 Aug 2015 | 7:35 am
    While there’s much focus on storm surge risk in New Orleans as we mark the 10th anniversary of Hurricane Katrina, two new reports highlight the vulnerability of other U.S. coastal cities to storm surge flooding. An analysis by Karen Clark & Co ranks the U.S. cities most vulnerable to storm surge flooding based on losses to residential, commercial and industrial properties from the 100 year hurricane. The findings may surprise you. KCC reveals that some of the cities most vulnerable to storm surge flooding have not been impacted for decades. A few have not experienced a direct hit from a…
  • Infographic on Hurricane Katrina

    Claire
    21 Aug 2015 | 7:36 am
    The Insurance Information Institute (I.I.I.) is looking back at the costliest hurricane in U.S. history that took 1,800 lives and cost $125 billion in total economic losses, via a comprehensive infographic. Insurance claims by coverage and state, total National Flood Insurance Program losses from Katrina, and other sources of Katrina recovery funds are all detailed. Another compelling section to the infographic asks where are we now? One of the fascinating analogies it draws is that even as awareness of flooding due to coastal storms rises, so too does the population of coastal communities.
  • Katrina Roundup

    Claire
    19 Aug 2015 | 6:26 am
    I was in New Orleans last week speaking at a Louisiana Department of Insurance conference marking the 10th anniversary of Hurricanes Katrina and Rita, writes Insurance Information Institute (I.I.I.) chief actuary James Lynch. State Insurance Commissioner Jim Donelon (pictured below) organized the conference to emphasize how the state’s property insurance market “is more competitive and more viable than it was the day before Hurricane Katrina.” The state sought private market solutions to keep the marketplace vibrant in the wake of more than $25 billion in insured losses. Louisiana…
  • add this feed to my.Alltop

    Go Health Insurance Blog

  • Prepare for Open Enrollment with a health insurance refresher

    GoHealth
    1 Sep 2015 | 11:52 pm
    by Lauren Mandel So you know you want to get health insurance when Open Enrollment starts on November 1. But what do you need to know to feel prepared? Which plan is right for you? What services will be covered by the plan you choose? What do you need to know about Obamacare? Health insurance can be a confusing topic, even for the most informed professional.  In an effort to minimize confusion and help you prepare to enroll, we’ve outlined eight things you need to know about health insurance and the Affordable Care Act.   Most Americans must have health insurance. As part of the…
  • GoHealth acquires additional technology resources with Creatix

    GoHealth
    1 Sep 2015 | 7:35 am
    Brandon Cruz, President and Co-Founder of GoHealth by Lauren Mandel As many recent news articles suggest, Chicago has become a booming hub for technology companies and startups.  As a health care technology company, GoHealth is a company that has seen rapid growth thanks to the Affordable Care Act, and as a result, we are always looking to hire top talent, most specifically in the technology space. Enter Creatix, the Chicago-based interface design and software development company, which is now part of the GoHealth family. In order to meet our demand for product development and technology…
  • 3 Health Tips to Practice During National Childhood Obesity Awareness Month

    GoHealth
    31 Aug 2015 | 11:12 pm
    by Lauren Mandel We’ve broached the issue of obesity on the blog before, but for National Childhood Obesity Awareness Month, let’s take a closer look at the epidemic that’s also affecting the youth population in the United States. More than 23 million children ages 2 to 19 in the United States are obese or overweight. That’s equal to a third of the country’s children who are at greater risk for Type 2 diabetes, high blood pressure, and heart disease, not to mention added stress and anxiety from social pressure as they grow up. So what can be done to prevent this epidemic from…
  • Working America Strives to Maximize Enrollment through Greater Health Insurance Education

    GoHealth
    26 Aug 2015 | 11:22 pm
    by Eleanor Trice of Union Privilege and Tony Cheng of Working America Health Care Thanks to the Affordable Care Act, millions of Americans now have access to the health insurance they need and deserve. In collaboration with GoHealth, Working America Health Care strives to help hard-working individuals gain access to affordable coverage, including tax subsidies to help lower their monthly premiums. Many consumers still have questions about how to obtain affordable health insurance. Working America Health Care is dedicated to reaching those individuals and guiding them to GoHealth for access…
  • Pediatric services under Obamacare

    GoHealth
    24 Aug 2015 | 9:38 am
    by Lauren Mandel We know sending your kids back to school can be quite the undertaking: school supplies shopping, haircuts for the whole crew, and brainstorming healthy lunch ideas, just to name a few necessary tasks. But something you may not think to add to your checklist is pediatrician visits for your kids. You might be thinking, “Doctor appointments are too expensive and not necessary for my healthy children.” Truth be told, pediatric services, including annual checkups, are now covered by individual health insurance plans under the Affordable Care Act. This means if you have health…
 
  • add this feed to my.Alltop

    Q4intelligence

  • Technology Is Only As Good As the Strategy It Supports

    Kevin Trokey
    24 Aug 2015 | 1:00 am
    I recently heard an agency owner explain that they are NOT a “technology company”, but instead are a consulting company that happens to be strongly enabled by technology. What a simple but profoundly powerful perspective on what today’s business owners really need from their insurance advisor. I spoke as part of a technology panel recently and one of the questions posed to us was, “What technology do you feel is a must in order to service our clients in today’s ACA crazed world?’ One of the many client-facing technology solutions seemed to be the obvious answer. By now, we are all…
  • Stop the Stagnancy and Commit to Changing Agency Operations

    Wendy Keneipp
    17 Aug 2015 | 1:00 am
    We see it all the time. Insurance agency owners are afraid to make commitments to changing agency operations. They’re scared for many reasons and honestly, none of them are good reasons. Certainly none good enough to keep the business in the same painfully stagnant spot that it’s sitting in right now. As a business owner, you have an obligation to your employees to keep your business in healthy operation and hopefully thriving. When you act out of fear and choose to do nothing instead, you are being negligent to the people who depend on you for their livelihood. If this sounds like a big…
  • It’s NOT the Technology Stupid

    Kevin Trokey
    10 Aug 2015 | 1:00 am
    It seems as though every other article I read, webinar advertised, and sessions I see listed on conference agendas is about technology. You would think the industry had been asleep for decades and suddenly woke up in the year 2015 to an unfamiliar world of technology. Technology is being accused of everything from simple profit erosion to the industry equivalent of Armageddon. Wherever you are along that spectrum, I have some news for you: it’s not about the technology, it’s much, MUCH bigger. The technology and technology companies (yes, I mean Zenefits) have been hailed as innovative.
  • Put the Right People in the Right Seats to Catapult Your Business

    Kevin Trokey
    27 Jul 2015 | 1:00 am
    This is the fourth in a series of blog posts inspired by a conversation I had via webinar with Brett Rosen, VP of Mergers & Acquisition at Digital Insurance. During our conversation we discussed the “5 Surefire Ways to Catapult Your Benefits Business”. _________________________________________________________________________________ One of the most self-damning aspects of the insurance industry is that the financial reward for mediocrity has been too high. It has allowed us to succeed, often times in spite of ourselves and without a focus on growth. That’s changed. Growth is no…
  • To Save an Industry – We Need YOU!!

    Kevin Trokey
    20 Jul 2015 | 1:00 am
    How many of you grew up with the dream of getting into insurance? When I ask that question in a room full of industry professionals, there is rarely more than a hand or two that goes up. So, if you didn’t intentionally pursue insurance as a career, what is it that has kept you here? I’m guessing it’s the rewards that come from working in the insurance industry; the potential for a great income, good work/life balance, a nice working environment, etc. However, as nice as those things are, I believe they pale in comparison to two additional reasons. The first is the fact that virtually…
  • add this feed to my.Alltop

    Insurance

  • Fall into Fun!

    Fran Shaw
    31 Aug 2015 | 12:05 pm
    Even though it is back to school season, we still have many fun outdoor events to look forward to in September!  It’s hard not to be at least a little bit excited for fall when you have this much to look forward to! Every weekend has something going on.  Check out the ones we will be attending below. 9-3-15 SWINGIN’ SUMMER-THURSDAY 6:30-9:30pm Location: Downtown West Chester (between High St. & Matlack St.) Come join us for the final festival this Thursday in Downtown West Chester! Full of fun, family-oriented activities, there is something for everyone! The streets…
  • BBQ 101: What You Need to Know About Safe Grilling

    Fran Shaw
    26 Aug 2015 | 10:52 am
    What You Need To Know About Safe Grilling   Mmmm there’s nothing like the smell of burgers and hot dogs on the grill! In fact, outdoor cookouts are arguably the greatest perk of summer.  You want to be known for the awesome music and fantastic grub you cook up, right? Well then be sure to follow the tips below to ensure safe grilling- otherwise, your festivity could be memorable for all the wrong reasons. Charcoal Grills Charcoal grills are a favorite among many. The following tips were compiled with the help of The Health, Patio and Barbeque Association, and serve as a means…
  • 3 Tips to Overcoming the Cliques, Zits, and Friendships of High School

    Fran Shaw
    20 Aug 2015 | 2:03 pm
      Whether you are an incoming freshman, or a well-seasoned parent, everyone at one point in his or her life was scared of high school! For the freshmen and the nervous parents, HAVE NO FEAR, we at Miller’s have 3 tips to help you succeed.   BE Yourself For the 8th grade student who is nervous to move on to high school, please don’t worry. We have all been there. Most of your friends are scared too, and the “popular” kids in your grade who say they aren’t scared are lying. The most important thing to remember is to be you. There is no one in this world,…
  • Sewer & Drain Backups: Reduce Your Risk

    Fran Shaw
    12 Aug 2015 | 12:12 pm
    Reduce Your Risk of Sewer & Drain Backups! Municipalities, or local cities and towns, are responsible for proper cleaning and maintenance of city sewage systems. In situations where sewer lines get backed up, or blocked, water can run back into homes. Unfortunately, most homeowner and business insurance policies do not cover sewer back up unless specific coverage is applied. With the possibility of sewage backups occurring, it is crucial to follow the steps below to help contribute to lowering your risk:   Dispose of Paper Products Properly Toilet tissue is specially made to…
  • Simple Ways to Deter Burglars

    Fran Shaw
    6 Aug 2015 | 12:47 pm
      You lock the doors when you leave the house in the morning, ask your neighbors to collect your mail when you’re out of town, and even set timers on your lights to give onlookers the impression you’re home. But are you really doing all you can to ensure the safety of your home and what’s in it? Read on to find out how you could protect your home, loved ones, and investments. Lock Up Now sure, you lock up when you leave the house or go to bed, but is that enough? Many people believe break-ins only happen when residents are away, but that’s not always the case.
 
  • add this feed to my.Alltop

    Blog

  • Watch AFL-CIO President Richard Trumka on Meet the Press This Sunday

    4 Sep 2015 | 11:10 am
    In advance of Labor Day, AFL-CIO President Richard Trumka will appear on NBC's Meet the Press with Chuck Todd. The show airs Sunday, September 6, from 9-10 a.m. ET on NBC, and from 10:30-11:30 a.m. ET in New York and Washington, D.C.
  • Southwest Side Braces for Loss of Oreos and 600 Jobs

    4 Sep 2015 | 8:31 am
    On Monday, Aug. 24, NPR Chicago broadcast a special story detailing the recent announcement by Mondelēz International that it is shipping 600 union jobs — half the plant’s workforce — to Mexico. The program includes interviews with BCTGM Local 300 members at the Chicago bakery. The report also includes information on how the city worked with Mondelēz  the last time the company threatened to move production outside of the United States by providing $300 million in tax breaks to complete infrastructure work at the bakery.
  • Why the Fed Is Not Close to Achieving Full Employment and Shouldn't Be Discussing Raising Interest Rates: The Case of Young Workers

    4 Sep 2015 | 7:00 am
    Labor Day is soon. And while it is a day to celebrate the history and contributions of America’s working people in building our nation, it also marks a return to school for students. And, it is a time to reflect on those seniors, in high school and college, starting their final year before joining America’s labor market.
  • Unemployment Rate Edges Down to 5.1% in August

    4 Sep 2015 | 5:45 am
    Jobs numbers released this morning show workers continue to suffer the negative effects of a global economy where the rules are written to keep wages low. The U.S. economy added 173,000 jobs in August and unemployment was 5.1%, down from July's 5.3%, according to figures released this morning by the U.S. Bureau of Labor Statistics.
  • The Need to Win Schedules That Work

    4 Sep 2015 | 5:30 am
    The past 10 years have been a nightmare for retail and other working people who are subjected to automated scheduling. That’s a fancy term for a tool that allows employers to schedule staffing according to predictions of consumer demand with no discussion and often no notice. People in retail and other industries are instructed to select from predetermined options generated by a centralized database. 
  • add this feed to my.Alltop

    Car Insurance Comparison

  • Will my car insurance be cheaper if I am unemployed

    Ashley Jimeno
    4 Sep 2015 | 1:00 pm
    Losing your job can lead to financial turmoil when you are not prepared to cover your living expenses while you are shopping the job market. Your income has disappeared but that does not mean that the expenses you are obligated to pay will. One regular expense that you must cover regardless of your unemployment status is car insurance. As long as you own a vehicle that is registered to be operated you are required to maintain your coverage to prevent any lapses. If you do stop making payments on your coverage, you will start to face some serious consequences for failing to comply with…
  • How do I get car insurance for non US residents?

    Ashley Jimeno
    3 Sep 2015 | 1:00 pm
    Being a non-US resident who drives within the country does not make you exempt from mandatory auto insurance laws. If you are a foreign national on location in the United States and you will have regular access to a privately owned vehicle, you are required to carry your own insurance and maintain it. Unfortunately, some insurance carriers make it close to impossible to secure auto insurance because they will verify that you have a valid state-issued driver license. Start comparing car insurance rates now by using our FREE tool below! To get auto insurance, it will require research of the…
  • What should I do if I can’t afford car insurance?

    Ashley Jimeno
    2 Sep 2015 | 1:00 pm
    The average person would prefer not to spend their hard-earned paycheck on auto insurance bills. While this is not an expense that you look forward to paying, it is an expense that you must budget for if you want to be a responsible driver and if you want to stay legal. In virtually every state, you are required by law to carry liability coverage, personal injury coverage, or both. Failing to carry the state-mandated coverage when you own a vehicle registered for personal use can land you in some serious trouble with law enforcement, the courts and even with the Department of Motor Vehicles.
  • Why does car insurance go up when you move?

    Ashley Jimeno
    1 Sep 2015 | 1:00 pm
    When you have experienced regular insurance rate hikes, it is only natural to feel like your rates will go up every time that you pick up the phone. Calling your agent to update your car insurance after you have moved from one home to another is just an example of one type of change that can lead to more expensive rates. You might think that a move does not change your driving record or make you a bigger risk, but the insurance company will disagree with this statement. Start comparing car insurance rates now by using our FREE tool below! There are several different reasons why car insurance…
  • How do I compare the market for car insurance?

    Ashley Jimeno
    31 Aug 2015 | 1:00 pm
    If you are in the process of buying your dream car, or you are tired of doing business with a company that raises your premiums every time there is an opportunity, comparing the market is the key. By exercising your right to shop a competitive marketplace for car insurance coverage, you take back the buying power. You do not need to select a basic policy with bare minimum coverage to find competitively priced premiums. Instead of rejecting coverage that will pay for hospital and repair bills or selecting the lowest liability limits that would not even pay for a broken leg, you can comparison…
  • add this feed to my.Alltop

    IFAwebnews.com | P/C insurance

  • Untapped cyber insurance market could grow to $10 billion in 5 years

    IFAwebnews Staff
    4 Sep 2015 | 10:09 am
    The market for cyber insurance is set to hit $10 billion by the year 2020, driven largely by the increase in costs associated with cyber attacks and data breaches, according to ABI Research. While just a fraction of the total global insurance market, the growth rate is striking, ABI reported. According to ABI Research, continued and sustained cyberattacks are having a ruinous effect on enterprises and driving up the cost of incident response. ABI Research reports that with more than 900 million reported records exposed in 2014, more companies are seriously starting to consider transferring…
  • Kerner to step down at Zurich, Terryn to take reins

    IFAwebnews Staff
    4 Sep 2015 | 7:56 am
    Mike Kerner will step down as CEO of general insurance at Zurich Insurance Group Ltd. for personal reasons next month, and will be succeeded by Kristof Terryn, Zurich said in a statement. Kerner, who joined Zurich in 1992, will leave the insurer at the end of the year, Zurich said. Mike Kerner Terryn, currently CEO of global life, will take over as CEO of general insurance on Oct. 1 and continue to run the global life business until a replacement is announced, according to the statement. No reason was given for Kerner’s departure. Zurich is in the midst of analyzing RSA Insurance Group…
  • Andrew Agency acquires southern Virginia agency

    IFAwebnews Staff
    3 Sep 2015 | 3:43 am
    The Andrew Agency, a Richmond, Va.-based independent insurance agency has acquired Crowder & Holloway in South Hill, Va. Terms of the transaction were not disclosed. Founded in 1936, Crowder & Holloway is an insurance broker providing personal and commercial insurance services to clients throughout Virginia and North Carolina. The agency’s South Hill office, in Mecklenburg County about 75 miles south of Richmon, will continue to operate under the Crowder & Holloway name, and two employees from Crowder & Holloway will join The Andrew Agency as part of the transaction. The…
  • Firm launches pay-per-mile auto insurance in Pennsylvania, expands along East Coast

    IFAwebnews Staff
    2 Sep 2015 | 12:16 pm
    Metromile, which offers pay-per-mile car insurance in the United States, announced its Pennsylvania launch as part of an East Coast expansion. Metromile uses technology and a data-driven approach to deliver lower premiums by the mile and personalized data to make all aspects of owning and driving a car simpler, less expensive, and more convenient. Pennsylvania joins Virginia, California, Illinois, Washington and Oregon as states where Metromile offers per-mile insurance. Metromile says it is the first and only agent offering pay-per-mile insurance in the nation, specifically benefiting those…
  • Kingstone Insurance approved in Texas

    IFAwebnews Staff
    2 Sep 2015 | 8:53 am
    Kingstone Insurance Co., a multi-line regional property and casualty insurer based in Kingston, N.Y., was granted authority to write insurance in Texas. The company was previously authorized as an admitted carrier in New York and Pennsylvania. Kingstone said in a statement that it will continue to expand, and has applications pending in at least three additional states, each of which share similar catastrophe exposures and opportunities as New York. Kingstone’s Chairman and CEO, Barry Goldstein, commented, “We are pleased to move forward with our multi-state expansion plans outside of New…
 
  • add this feed to my.Alltop

    Insurance Forum

  • Bron Horton

    Thad.Sipple
    4 Sep 2015 | 2:00 pm
    Do you work for him? What is you commission level?
  • As a P&C Agent Looking for Referrals...

    Derrick
    4 Sep 2015 | 12:23 pm
    If I can convince one, or a few, real estate agents in my area to get their P&C license, could I LEGALLY compensate them for referrals to their clients for homeowners (or even auto if I can talk them into the discount).
  • Anybody Using this New Script?

    unic.consulting
    4 Sep 2015 | 11:26 am
    Anyone using this company yet? (NSFW) https://www.youtube.com/watch?v=gMrNQbW5Am8
  • Anybody Use Postcards?

    billyb
    4 Sep 2015 | 10:18 am
    I have been contacted by a company that generates leads using postcards. They do all the work for a fee and the leads come from a landing page that the prospect uses to respond. I can see where this may work with Medicare because most seniors you are targeting has a computer. It may work for term insurance too. I do not think it will work with FE because most of these people are not ones who go online. Does anyone use this type of lead generation?
  • Aetna POS is Down.

    Gooner
    4 Sep 2015 | 10:08 am
    Computers are messed up. Fwiw
 
  • add this feed to my.Alltop

    McCormick Insurance Solutions, Auto Insurance, Home Insurance, Surety Bonds

  • The Key To Your San Diego Life insurance

    MccormickInsure
    12 Aug 2015 | 9:57 am
    Why Life Insurance? So, you’ve decided to purchase San Diego life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying San Diego life insurance shouldn’t be a budget buster either. Take a look at the following options which can help you save big time! We will give you free life insurance quotes. Naturally, you will want to talk to an agent. There are four types of life insurance plans from which you can choose: Term Life, Whole Life, Universal Life, and Variable Universal Life. Term Life…
  • New Technologies Have Helped Lower San Diego Homeowner’s Insurance

    MccormickInsure
    5 Aug 2015 | 7:54 am
    Home Innovations Can you believe all the new innovations that are available for your San Diego home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your San Diego homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.” Here are a few technologies that will help keep your home safe, and will also lower San Diego home insurance costs. Security systems — It seems like everywhere you go,…
  • Drive Your San Diego Auto Insurance Premiums Into Your Pocket

    MccormickInsure
    14 Jul 2015 | 9:03 am
    San Diego Auto Insurance As an independent agent we can shop many San Diego auto insurance companies and bring you the best possible combination of price, coverage, and service. There are a number of things that we consider to help you get the best auto insurance for your needs. Taking advantage of low mileage drivers — Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work. Your vehicle will also determine your overall insurance costs — Some cars are more inviting for thieves, and some cars…
  • Common San Diego Home Insurance Pitfalls

    MccormickInsure
    7 Jul 2015 | 1:00 pm
    San Diego Home insurance Owning a home is one of the most important investments you can make. As your family grows, your needs will change as well as your risk. We think it is very important to review your San Diego home insurance program every year to make sure it still meets your needs. Compared with investment decisions and estate planning issues, perhaps questions about the language in your homeowner’s policy may seem hardly worth considering. Yet the more successful you become, the more complicated your asset-protection needs are likely to be, and the more you have to lose. Gaps in San…
  • Did You know Your San Diego Homeowner’s Insurance Will Not Cover These Items?

    MccormickInsure
    17 Jun 2015 | 8:49 am
    San Diego Homeowner’s Insurance One of the most important financial decisions you will make is insuring your home. This important decision can’t be done on the internet in 7 minutes, because your home can go up in flames in less than 10 minutes and you might be left with a large un-insured loss. When most people think of damage to their home, they tend to think of fire or theft. Well, there are many other kinds of accidents and situations for which you can be liable that are not covered under most San Diego homeowner’s insurance policies. In Home Business Activities If you run an…
  • add this feed to my.Alltop

    Property Casualty Insurance Blog

  • Louisiana Insurance Verification System (LAIVS)

    Kerri Crocker
    2 Sep 2015 | 6:00 am
    The Louisiana Department of Public Safety (DPS) announced the new Louisiana Insurance Verification System (LAIVS). The state has chosen a vendor, MV Solutions, to develop the new system. LAIVS will require an online verification (OLV) service as well as a book of business (BOB) file. Both the OLV and the BOB file will use the Insurance Industry Committee on Motor Vehicle Administration (IICMVA) model. The state will require insurers to provide private passenger and commercial lines when submitting BOB files. Commercial insurance providers who capture the VINs will need to comply with the web…
  • It’s all relative

    Peter de Freitas
    1 Sep 2015 | 10:58 am
    It didn’t take long after we introduced the next generation of ProMetrix® reports, analytics, and our customer-facing delivery platform to start working on improvements. The feedback from customers has been overwhelmingly positive and very helpful. Internally, we addressed some issues related to the website platform to make it even more user-friendly. And we took a fresh look at some of our core reports and services to determine how we might provide additional risk insight to our clients. One such improvement crosses over two of our core competencies: field-verified property surveys and…
  • Louisiana House Bill 638

    Kerri Crocker
    1 Sep 2015 | 6:00 am
    Louisiana recently enacted House Bill 638. This legislation imposes the maximum fine of $525 on registrants who have not paid or resolved a notice of noncompliance with the state’s compulsory insurance law within 60 days of the violation. This can be problematic for registrants who do not take immediate and appropriate action when a noncompliance notice is received. As a result of this new law, regardless of whether a registrant had coverage and regardless of why the state may have incorrectly identified the motorist as uninsured, the registrant will be required to pay the $525 fine if the…
  • AAMVA MOVE Article Published

    Kerri Crocker
    31 Aug 2015 | 6:00 am
    We’re happy to note that a recent article in the American Association of Motor Vehicle Administrators (AAMVA) MOVE magazine features how Verisk CV-ALIR helps the Virginia DMV comply with Automobile Liability Insurance Reporting (ALIR) requirements. You can click here to read the article: “One-Stop Shop: Verisk Analytics Works with the Virginia DMV to Provide Better Insurance Reporting.”
  • Learn How to Solve the UBI Puzzle at Insurance Telematics USA 2015

    James Levendusky
    28 Aug 2015 | 6:12 am
    The Insurance Telematics USA 2015 conference (September 2–3 at the Radisson Aqua Blu in Chicago) is coming up fast, and I hope you can join me. Visit us at booth 30/31 to learn about our groundbreaking Verisk Telematics Data Exchange — the first-of-its-kind critical data link between insurers and consumers who drive connected cars. On September 2 at 12:15 p.m., don’t miss our president of underwriting, Neil Spector, deliver a keynote speech on Solving the UBI Puzzle. He’ll talk about the costs and technology constraints of collecting usage-based insurance (UBI) data and how a data…
 
  • add this feed to my.Alltop

    SelectNews Blog

  • How Much Life Insurance Do You Need?

    SelectQuote
    3 Sep 2015 | 6:41 am
    Not sure how to determine your coverage amount? You’re not alone. By adding up your basic expenses, you can get a pretty good sense of how much life insurance you need to protect your family. It’s not difficult to understand why life insurance is a great way to protect your family’s financial future in case something happens to you – after all, when your life ends, so does your earning potential. The difficult part is figuring out how much life insurance you need to make sure your family can carry on without you. There are several ways to go about doing this. One method…
  • Cash In On Your Marriage

    SelectQuote
    28 Aug 2015 | 12:37 pm
    With the fall wedding season right around the corner, what better time to think about the financial benefits of holy matrimony? These five perks make a strong case for joining lives – and wallets – with your significant other. 1. Joint income tax returns. Tax rates for married taxpayers filing joint income tax returns are lower than for single or married taxpayers filing separately. And the standard deductions of a married tax filer are typically higher than itemized tax deductions. Filing jointly also helps if one of you earns a much higher income than the other. Why? Because…
  • Longevity For Less

    SelectQuote
    20 Aug 2015 | 8:02 am
    Most of us are all too familiar with the standard formula for living a longer life: Don’t smoke, drink only in moderation, eat well, exercise, and get plenty of sleep. While no one can argue with that advice, a specific list of action items tends to be more helpful – especially for those of us who are creatures of habit. Here are five simple – and inexpensive – steps you can take to improve your longevity today. Sit less. Sitting for less than three hours a day can add two years to your life expectancy. A sedentary lifestyle increases your risk of developing…
  • Is A Home And Auto Insurance Bundle Right For You?

    SelectQuote
    13 Aug 2015 | 8:27 am
    When it comes to getting the most bang for your buck, purchasing your home and auto insurance in a bundle makes a lot of sense. To reward your loyalty, most insurance companies will offer you a discounted rate – usually on your auto insurance. It’s also convenient: Having one bill and one agent for both policies reduces the hassles associated with using multiple insurance carriers. But there can be a downside to bundling, too. In some cases, you may save more by using one carrier for your homeowners coverage and another for your auto insurance. And then there’s the question of…
  • Should You Switch Doctors?

    SelectQuote
    6 Aug 2015 | 7:16 am
    The decision to switch doctors can be difficult, especially if you’ve been seeing the same one for several years. Many of us develop personal relationships with our medical providers, which makes it easy to forget that health care is a service we pay for – just like cable, utilities, or a cellular plan. Here are five signs that it may be time to begin finding a new doctor. Your doctor doesn’t listen to you. Does your doctor have a habit of interrupting you as soon as you start talking? Do you find your doctor taking phone calls or attending to other matters while you are…
  • add this feed to my.Alltop

    The trading forex

  • How to Use Fundamental Analysis in FX Trading

    admin
    4 Sep 2015 | 11:07 am
    How to Use Fundamental Analysis in FX Trading Demand and supply of a currency are influenced mostly by central banks and monetary policy. When a central bank decides to add to money supply or lowers interest rates, the value of the local currency goes down since there is more of it in circulation … Read more on ForexMinute.com Gundlach warns that US equity markets face another leg down ForexLive.com blog posts feature leading edge technical analysis charting tips, forex analysis, and currency pair trading tutorials. Find out how to take advantage of swings in global foreign exchange…
  • AUD/USD Technical Analysis: Treading Water Below 0.75

    admin
    4 Sep 2015 | 12:15 am
    AUD/USD Technical Analysis: Treading Water Below 0.75 The Australian Dollar is treading water having recoiled upward after dipping to a six-year low against its US namesake. A daily close above the 23.6% Fibonacci retracement at 0.7438 exposes the 38.2% level at 0.7577. Alternatively, a reversal below the … Read more on DailyFX US Dollar Technical Analysis: Stalling at Rising Trend Line The Dow Jones FXCM US Dollar Index remains in consolidation mode above a trend line guiding prices higher since early May. Near-term support is at 11968 (trend line, 23.6% Fibonacci retracement),…
  • Lastest Brokers For US Traders News

    admin
    3 Sep 2015 | 11:12 am
    Oil surges 25% in three trading sessions Oil prices have rocketed more than 25 per cent in three trading sessions, with the latest boost coming from data on US production and vague hints of a change of thinking inside the Opec producers' cartel. The rise has been brutal for bearish traders … Read more on Financial Times Quantitative Brokers and InfoReach Partner to Deliver Relative Value Trading … Quantitative Brokers ("QB") is a fully-independent, NFA and FINRA-registered, broker-dealer and a leading provider of agency algorithms in US cash treasury and futures…
  • Lastest Forex Basics News

    admin
    3 Sep 2015 | 12:12 am
    Greek crisis: Germany pushing for a Grexit – EUR/USD gaps lower The talks in Brussels are going from problematic to bad and much worse . The Eurogroup text included things that seemed fictional not so long ago. One suggestion is that Greece passes state assets worth 50 billion euros to separate fund, basically … Read more on Forex Crunch
  • Forex technical analysis: EURUSD wanders back to the 100 bar MA

    admin
    2 Sep 2015 | 11:17 am
    Forex technical analysis: EURUSD wanders back to the 100 bar MA Get the latest breaking foreign exchange trade news and current updates from active traders daily. ForexLive.com blog posts feature leading edge technical analysis charting tips, forex analysis, and currency pair trading tutorials. Find out how to take … Read more on ForexLive US TIPS inflation breakeven rates hit 7-month lows Falling oil prices, together with a strong dollar, will likely feed persistent concerns about weak price growth among Federal Reserve policy-makers who traders speculate would decide whether…
  • add this feed to my.Alltop

    Insurance Blog | Insurance News & Articles | Quoteline Direct

  • More younger travellers setting off without insurance

    qldb_admin
    4 Sep 2015 | 9:51 am
    Younger holidaymakers are being urged to pack travel insurance or risk being left seriously out of pocket. A recent report by the Association of British Travel Agents shows that one in five travellers jet-off without insurance. It’s a headline figure that remains more or less unchanged year on year, but dig a little deeper and the report makes for interesting reading. The findings reveal that younger travellers are much more likely to travel uninsured with one in three holidaymakers aged under 35 putting themselves and their families at financial risk. Cost is often cited as a reason for…
  • First time buyer home insurance explained

    qldb_admin
    31 Aug 2015 | 7:08 am
    Buying your first home can be a daunting experience and with a million and one things to do; it’s easy to overlook the basics. However, no matter how hectic things get it’s essential to arrange the right home insurance; otherwise if things go wrong you could be left seriously out of pocket. Recent research has thrown light on the lack of understanding amongst first time buyers surrounding certain aspects of the purchasing process. Nearly half of those questioned admitted they hadn’t budgeted for buildings insurance when calculating costs and a third were unaware that buildings cover was…
  • Cyber Risk Insurance: Lessons from the latest high-profile hack attack

    qldb_admin
    28 Aug 2015 | 9:55 am
     No matter where you stand on the on the ‘extramarital dating’ debate; the recent hacking of Ashley Madison has taught us all one clear lesson: leaky cyber security can destroy businesses, reputations and lives. Cyber crime can be catastrophic to both businesses and individuals, and as we live more of our lives online we all become increasingly vulnerable. Last year 800 million people worldwide had their personal data hacked, and the latest figures show that one in four Brits have had their identity stolen. For businesses the picture is just as bleak with 80% of big businesses and 60% of…
  • Flat owners are being warned to check their contents are insured

    qldb_admin
    26 Aug 2015 | 10:06 am
    Sometimes shared property ownership can get complicated especially when it comes to the relationship between freeholders and leaseholders. Misunderstandings often arise over ‘who’ is responsible for ‘what’ and as a result properties can be left accidentally uninsured. A recent report has found that one third of leaseholders mistakenly believe their buildings and contents are insured by the freeholder when they are actually uninsured. When it comes to lease agreements the devil really is in the detail, and it is essential to go through the terms and conditions with a fine-tooth comb.
  • Making a house a home

    qldb_admin
    25 Aug 2015 | 9:54 am
    It’s difficult to put your finger on exactly what makes a house a home, but as the age-old saying goes ‘home is where the heart is’. Given that homes are made of memories rather than bricks and mortar; it’s hardly surprising that our prized possessions aren’t necessarily our most expensive. In a recent survey nearly three quarters of homeowners reported that their most treasured possessions often cost nothing at all. While electronic equipment and jewellery were the most expensive items; the majority of householders said that mementos were much more precious. At the top of the list…
 
  • add this feed to my.Alltop

    Esurance Blog

  • 7 Unforgettable Movie Homes You’d Hate to Insure

    Alex Glenn
    3 Sep 2015 | 10:24 am
    You've laughed, cried, and gasped over these movie homes. But it takes insuring them for things to really get messy. The post 7 Unforgettable Movie Homes You’d Hate to Insure appeared first on Esurance Blog.
  • #DormLife: 4 Tips for First-Time Dorm Dwellers

    Jennifer Wood
    1 Sep 2015 | 9:19 am
    Ready to pack up Mom’s minivan and head to campus? Upgrade your space with a few extra dorm-room essentials. The post #DormLife: 4 Tips for First-Time Dorm Dwellers appeared first on Esurance Blog.
  • Attention Tennesseans: Esurance Homeowners Insurance Has Arrived in the Volunteer State

    Jonathan Noble
    27 Aug 2015 | 10:11 am
    Tennessee has a lot to offer. Music, history, beautiful scenery — and now, homeowners insurance from Esurance. The post Attention Tennesseans: Esurance Homeowners Insurance Has Arrived in the Volunteer State appeared first on Esurance Blog.
  • Esurance Homeowners Insurance Is Available in the Land of Enchantment

    Rachael Heller
    27 Aug 2015 | 10:11 am
    Esurance homeowners insurance is now available in New Mexico! So what does this mean for New Mexico homeowners? The post Esurance Homeowners Insurance Is Available in the Land of Enchantment appeared first on Esurance Blog.
  • 7 Iconic Clock Towers Worth Making Time For

    Ellen Hall
    25 Aug 2015 | 11:13 am
    From Chicago’s Wrigley Building to Philadelphia’s Independence Hall, these famous clock towers rise high above the rest. The post 7 Iconic Clock Towers Worth Making Time For appeared first on Esurance Blog.
  • add this feed to my.Alltop

    Insurance Marketing Blog

  • 34 Customer Loyalty Strategies for Insurance Agents – Part 2

    John F. Carroll
    11 Aug 2015 | 11:10 pm
    In this podcast episode of Insurance Marketing I share 17 creative and actionable ways to improve your agency’s customer loyalty and retention. This is the first of 2 podcasts about the subject. In this episode I’m discussing the first 17 and in the next episode I’ll share another 17 ideas to build loyalty. Click Here to Subscribe via iTunes Listen to this episode to find out: The number of policies with one customer that pushes your retention to practically 100%. Why offering annual coverage reviews helps customer loyalty even if no one ever agrees to have one. An…
  • Why Insurance Agents Can’t Measure ROI on Lead Sources

    John F. Carroll
    11 Aug 2015 | 10:50 pm
    I made a cool free tool for insurance agents last night. If you want to download it right now just scroll down and look for the download link. If you want to learn the story of why I made it and why you need to use it, here you go. I used to work for one of the nation’s largest carriers as an agent consultant. During those years, I witnessed a lot of perplexing things back then, but there was one unexplainable phenomenon that blew my mind for a long time. It didn’t make any sense. I could ask an agent who the best lead company was and she’d tell me: “We love ABC Lead…
  • Local SEO For Insurance Agents: Read This First!

    John F. Carroll
    9 Dec 2014 | 10:51 am
    Forget everything you think you know about SEO. It’s probably not helping. SEO is complicated. The rules change daily. It’s highly technical. And there’s so much information out there it’s hard to tell what really works. The biggest mistake I see agents making is that they hear a few random tips about a specific part of local SEO and think they “get it”. They don’t. It’s good to know tactics, but only after you understand how they fit into the big picture becuase otherwise you’ll create an online footprint for your agency that misses…
  • 26 Ways to Get More Sales From Insurance Producers

    John F. Carroll
    18 Nov 2014 | 8:21 am
    Want more sales from your producers? Stupid question, huh? Getting the most from your salespeople is one of the biggest roles of an agency owner but it’s also one of the most difficult. I’ve worked with hundreds of agents across the US, and the ability to draw the most from their producers is a quality I’ve seen in the most successful agents. And it’s always missing in the agents who fail. I thought you might benefit from a few ideas to get your producers producing and your agency growing. So here it is, 26 ways to get more out of your current insurance…
  • 19 Reasons to Contact Your New Insurance Clients

    John F. Carroll
    28 Oct 2014 | 10:49 am
    This article is going to disappoint three insurance agents. That’s because three different agents in the past three weeks asked me for an email template to follow-up with new customers. And I’m not going to do it. I was actually going to when I realized I couldn’t make one email (or phone script, letter, etc.) that fit every agency’s unique needs. I also realized there are A LOT of reasons to follow-up with new insurance customers and one email isn’t going to do it. Not even close. So I put together a bunch of reasons you should/could follow-up with new…
  • add this feed to my.Alltop

    Insurance Protection Blog

  • Manage Healthcare Costs and Simplify Benefits Renewal

    RJ Weiss
    11 Aug 2015 | 8:03 pm
  • A Common Insurance Mistake Made By Churches & Religious Organizations

    RJ Weiss
    26 May 2015 | 7:02 pm
    After service, a member drives their own vehicle to pick up  coffee to bring back to the church. There's an accident... A member volunteers to drive their minivan to take youths to a weekend camp. There's an accident... The church rents a van or bus to drive members to visit another church. There's an accident... In all three of these instances, the church may be held liable for damages.  Non-Owned & Hired Auto - Why Churches Should Have It Fortunately, there's a very inexpensive endorsement churches can add to their policy for coverage.  For coverage against accidents…
  • 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.   But...it 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…
 
  • add this feed to my.Alltop

    autoinsuresavings.org

  • 4 Ways Your Car Maintenance Should Change With the Weather

    Anica Oaks
    14 Aug 2015 | 6:45 pm
    The way you maintain your car is likely dependent on the weather. No, not the weather for the next day or even the upcoming week. We are talking seasonal weather here. Depending on where you live, you may face a seasonal temperature minimum/maximum difference of more than 100 degrees. Hot summers and frigid winters change the way cars should be maintained for the season. Winter Vs. Summer Battery Maintenance Car batteries are engineered to take the heat of engine compartments along with the ambient temperature, whether you are driving in Death Valley in the summer or going skiing in Vale in…
  • How to Make Your New Motorcycle Safe and Legal for the Road

    Anica Oaks
    16 Jul 2015 | 9:36 am
    Cool ride! Image credit: chicagomotorcycleswap.com. There are few things in the world that can match the exhilaration of a motorcycle. These vehicles offer a level of freedom unlike anything else, but they also come with some unique risks for even the most experienced riders. Anyone who is getting ready to get on their new bike and hit the road should take a look at these tips to make their next adventure both safe and legal. File Paperwork Early Waiting until the last minute to file legal and financial paperwork can be disastrous, and most new riders should expect at least 30 to 60 days of…
  • Hottest Cars in the United States 2015-16

    Shaun Fyffe
    3 Jul 2015 | 6:56 am
    Buying a car is a big decision, so when it’s time for you to get your next set of wheels, you want to make sure you get the most bang for your buck. Unfortunately, with so many options out there, it can be hard to decide what’s right for you – and, worst case scenario, you could be stuck with a lemon for the next few years. This guide will attempt to help you avoid that terrible fate. Below, we’ve highlighted a few of the best cars rolling off the lots in the 2015-16 model year. No matter what your needs or budget, you’re sure to find a great car for you on this list. 2015 Hyundai…
  • DUI by the Numbers with Alarming Statistics

    Kristen Geil
    6 Jun 2015 | 8:06 pm
    When you drive under the influence, you risk several dangerous consequences, one of which is the effects that a DUI can have on your insurance rates. Here’s exactly how driving under the influence affects your insurance. First, know the facts about driving under the influence. The typical drunk driver has driven drunk 80 times prior to their first arrest, and 50-75% of convicted drunk drivers continue to drive on a suspended license. Nearly a fourth of drunk drivers are 21-25 years old, and drunk driving costs the U.S. $199 billion per year. Sadly, two out of three people will be involved…
  • Affordable Insurance Made Easy: A Life-Long Expense to Help You Save?

    Shaun Fyffe
    8 May 2015 | 5:13 am
    Buying car insurance can seem like one of the great paradoxes of life: you have to spend a bunch of money on something you pray you’ll never use. You still have to have it, though – but that doesn’t mean that you have to pay through the nose for it. Since you’re going to be paying an insurance bill for the rest of your life, you might as well save some money on it, right? Below are a few tips to help keep your insurance costs down, so that you can use more of your money on something fun (like a new car, perhaps?). Short-Term Tips Some money-saving tricks only really pay off over the…
  • add this feed to my.Alltop

    Jim on Insurance

  • Usage-Based Insurance Could Become a Problem for Your Agency

    jamesrholm
    16 Aug 2015 | 5:05 pm
    Unfortunately, usage-based insurance (UBI) could become a problem for your agency. You can always tell the pioneers because they’re the ones with the arrows in their backs. When insurance companies wander into uncharted grounds, they often drag agencies along with them. If you have a company who is involved in UBI using telemetrics to collect […]
  • Killing a Sacred Cow

    jamesrholm
    29 Jun 2015 | 11:31 am
    “Sacred cows make the tastiest hamburger.” Abbie Hoffman Abbie Hoffman was a counter-culture revolutionist of the 1960s with a strange sense of humor, yet his attitude toward scared cows rang true. Sacred cows are those ideas that, though unreasonable, are held to be above criticism. There is one sacred cow that I would like to […]
  • People respect insurance agents, but do they trust them?

    jamesrholm
    8 Oct 2014 | 9:26 am
    A Gallup poll in 2012 indicated only 15% of those responding stated they rated the honesty and ethical standards of insurance salespeople as either “very high” or “high”. In comparison, 82% rated nurses as either “very high” or “high”. To give you perspective here are some other professions and the percentage of people who rated […]
  • Are Youth Sports A Lightning Rod for Legal Action?

    jamesrholm
    4 Sep 2014 | 12:43 pm
    My daughter played multiple youth sports growing up and eventually played soccer for Coe College. It was a wonderful experience for her, which has taught her a great deal she can call upon her entire life. She is a math teacher in a middle school just outside of Madison WI and has already started coaching.I’m […]
  • Mazda, Google, Or You? Who Will Decide If You Will Continue to Drive a Car?

    jamesrholm
    24 Jun 2014 | 10:31 am
    “After a lifetime of driving, repairing and studying automobiles, I have come to an unavoidable conclusion – we are the weakest link in a car. As car components go, human beings are deeply substandard – we have imperfect perception, we are ruled by emotion, and we vary wildly in quality.” Peter Cheney, award winning Canadian […]
 
  • add this feed to my.Alltop

    Assetsure

  • The Great Mogul Diamond

    Sara Jaspan
    1 Sep 2015 | 2:21 am
    The story of the Great Mogul is one of a stone that disappeared from records over 250-years-ago, when its last known owner, the Persian ruler, Nadir Shah, was assassinated. We, therefore, have only replicas and the descriptions and drawings of past witnesses to go by, when picturing what this mysterious diamond must have looked like. While, by one account, the stone was “generally deemed unparalleled in size and beauty,” another (by the famous, 17 century jeweller and traveller, John Baptiste Tavernier) is less rapturous, comparing its form to simply that of “an egg cut through the…
  • Why standalone jewellery insurance pays, over and again

    Sara Jaspan
    13 Aug 2015 | 1:38 am
    Saving money by insuring your jewellery separately, in addition to your home contents insurance, may sound counter-intuitive; yet there are a number of ways in which this does in fact work out. Not to mention, by doing so you’ll also probably receive a higher standard of cover, avoiding many of the pitfalls and scare stories that relying solely on general contents insurance can present. Are you fully covered? Many standard home contents policies set a single item claim limit of around £1,000 to £2,000. Items (such as pieces of jewellery) that exceed this value will not be covered unless…
  • The Orlov

    Maha
    29 Jul 2015 | 12:01 am
    Like many of those in this series, the Orlov is another example of a famous diamond believed to have been stolen from a Hindu temple, or more specifically, from the eye of a temple deity. Yet what makes the Orlov unusual is that we know rather more about the specifics of by whom, from where and how. The 38g egg The stone, which is described as having the shape and proportions of half a chicken’s egg (though weighing 190 carats (38g) and of a faint bluish-green tinge), comes from the Kollur Mine in Andhra Pradesh. Its history has been traced back to the second century Sri Ranganathaswamy…
  • It takes two

    Sara Jaspan
    13 Jul 2015 | 3:17 am
    Throughout history and across almost all cultures, precious stones have been attributed with many different meanings and symbols. But sometimes, it’s the relationship between two gems that says it all. Such is the case for the exceptionally lavish, 15th century ring that sold for auction at Sotheby’s last week, coming in over the estimated price, at £35,000, as part of the ‘Old Master Sculpture & Works of Art’ sale. In this early, rather rare example of a ‘love or marriage ring’, the bond between husband and wife is symbolised by two different gems: an impressive point-cut…
  • The Idol’s Eye

    Sara Jaspan
    30 Jun 2015 | 1:27 am
    The largest known natural blue diamond in the world. Legend has it that the Idol’s Eye was first discovered in the early 17th century (or before). However we need to wait over another two centuries – until 1865 – for the first authenticated account of the diamond to surface. This was when the stone appeared at a Christie’s sale in London, but the story of how and why it got there has been contested many times over the years. A stone of many beginnings Some trace the first mention of the stone all the way back to the tales of the A Thousand and One Nights collection of Middle…
  • add this feed to my.Alltop

    Enhanced Insurance

  • The Top 7 Items You Probably Don’t Have Insured (And Should!)

    Jenna Christianson
    18 Aug 2015 | 8:17 am
    There are certain types of insurance that you need to purchase because it is required by law, like health insurance, car insurance, worker’s compensation insurance (if you have a business with employees), and malpractice insurance (if you are a medical professional). Many other insurance policies are optional. So, if other types of insurance are not legally required, then are they necessary? Experts would argue, yes, certain insurance policies are important to purchase. Would you own a home and not have homeowner’s insurance? Probably not considering the risks involved like poor weather,…
  • Drawbacks Involved in Cheap Business Insurance

    Jonathan Farris
    12 Aug 2015 | 8:00 am
    What are the drawbacks involved in cheap business / commercial insurance? Like so many insurance topics, this is a seriously large pot with many ingredients. I’ve included some information and feedback received from three commercial insurance friends. These individuals understand the complexities of commercial coverage and deal with them every day. My thanks and a huge shout-out to Dave Adams in Alaska, Gary Hetzel in Minnesota and David Backs in Florida. Thank you, gentlemen! The phrase “cheap business insurance” gets many hits on Google, the majority of which are insurance company,…
  • Health Insurance for Low Income Individuals

    Jenna Christianson
    11 Aug 2015 | 8:00 am
    Beginning in January 2014, the Affordable Care Act, also known as Obamacare, came into effect. Through this legislation, the federal government now requires that every American be covered under a health insurance plan. For many individuals, this has had no impact on their life, as they were already covered under their employer’s healthcare plan. However, many Americans that were self-employed, do not have coverage through their employer, or have a low income had to find health insurance. For low-income individuals, it can be difficult to determine which plan has the most coverage, but has…
  • Health Insurance Rate Increase and You

    Jim Holm
    16 Jul 2015 | 1:12 am
    It’s that time of year when stories start to fill the newspapers about expected health insurance rate increases. With renewals coming up in a few months, an indication of a large rate increase isn’t welcome news for anyone. But – what does it actually mean to you as an individual, when a company files a 30% increase in health insurance rates in your state? The answer is quite vague. It could mean you will have a 30% increase in your health insurance premium, but the odds are it doesn’t. How your individual policy will be impacted depends on many, many factors such as your provider…
  • What is the Cheapest or Least Expensive Used Car to Own?

    Jim Ketterson
    6 Jul 2015 | 7:34 am
    While there are many articles on the internet about the best new cars or used cars to buy, few of them address the question on the minds of the most value-conscious consumers – what vehicles will have the lowest overall total cost per mile driven. Years ago, a friend of mine introduced me to an interesting strategy.  Here is what he told me: 1) Buy used.   When you drive off the lot, a car loses a substantial amount of value, some vehicles lose more than 30% of their value in the first year. 2) Buy the cars that depreciate the most quickly.  While the typical car (according to…
  • add this feed to my.Alltop

    Law360: Insurance

  • Birth Control Waiver No Burden On Faith Orgs: 7th Circ.

    4 Sep 2015 | 12:33 pm
    The Affordable Care Act's mandate to provide contraceptive services doesn't pose a substantial burden on organizations that object on religious grounds, and neither does filing a waiver stating those objections, the Seventh Circuit said on Friday, reversing an injunction barring the government from enforcing the mandate.
  • Ore. Justices Take On Construction Defect Coverage Query

    4 Sep 2015 | 12:25 pm
    The Oregon Supreme Court will hear arguments Sept. 10 on whether a policyholder can establish insurance coverage for an entire judgment based on a general verdict issued in a construction defect suit potentially involving both covered and excluded causes of loss. Here, Law360 delves into the issues in the case in advance of the hearing.
  • 7th Circ. Revives Borrower’s CitiMortgage Class Action

    4 Sep 2015 | 12:21 pm
    The Seventh Circuit ruled Friday that missed payments didn’t sink a man’s breach-of-contract claim against CitiMortgage Inc. in a proposed class action accusing the company of using mortgage payments to pay off outstanding balances rather than repair damaged homes, reversing an Illinois federal judge’s order.
  • Ore. Judge Faces Ethics Probe Over Gay Marriage Opposition

    4 Sep 2015 | 10:50 am
    An Oregon county judge is being investigated by the state judicial ethics commission after refusing to perform same-sex marriages.
  • Insurer Says TE Connectivity Policy Restricted Legal Fees.

    4 Sep 2015 | 10:49 am
    Ace American Insurance Co. has asked a Philadelphia judge to throw out a lawsuit by TE Connectivity Ltd. accusing it of refusing to pay legal fees from a $25 million settlement with New York state over a wireless network project for emergency communications, claiming these fees were not covered under the policy.
 
  • add this feed to my.Alltop

    SimplyWorkComp

  • Are your employees sleep deprived? These tactics can help

    Simply Work Comp
    3 Sep 2015 | 6:00 am
    The dangers of sleep deprivation are well-documented—grogginess, short-temperedness, memory lapses, slower reaction time, and many more. Yet, according to Gallup, 40 percent of Americans get less than the minimum recommended seven hours of sleep each night. That means there’s a good chance some of your employees are sleep deprived, and since lack of sleep reduces productivity and could pose a safety hazard, that should concern you. Obviously, you can’t control what your employees do at home, but you can take steps to encourage them to get an adequate amount of sleep each night,…
  • Telemedicine may offer employers lower healthcare costs and higher productivity

    Simply Work Comp
    18 Aug 2015 | 6:00 am
    It can be a delicate situation when employees take time out of a scheduled workday for a doctor’s appointment. Should they go before or after work? Should they go on their lunch hour? If not, do they use sick, vacation or PTO time? Do they make up the time? These questions are less frequent now for a lot of employers who are offering employees telemedicine or similar options. Telemedicine gives employees the opportunity to have office visits with their physicians electronically via a secure computer system. They can do it at home during off hours and not miss work. Or they can do it at work…
  • Minnesota, Iowa, Wisconsin legislators change state laws regarding workers’ comp

    Simply Work Comp
    13 Aug 2015 | 6:00 am
    A number of changes to state workers’ compensation laws took place this year. Here’s a roundup of the more significant changes in SFM’s core states. Minnesota A new Minnesota law will limit most workers’ compensation hospitalization costs to 200 percent of what Medicare pays. The law is effective Jan. 1, 2016. Currently, large hospitals can charge employers 85 percent of their “usual and customary charges” and small hospitals can charge 100 percent. This has led to wide variations in pricing. The new law will apply to inpatient treatment of up to $175,000. The law also…
  • OSHA focusing on healthcare facilities

    Simply Work Comp
    5 Aug 2015 | 5:30 am
    OSHA announced in late June, that it will be focusing on injury prevention procedures and equipment in healthcare facilities by conducting more inspections to gauge employee safety. According to the OSHA memo, “Inpatient healthcare settings have some of the highest rates of injury and illness among industries for which nationwide injury and illness rates were calculated for Calendar Year 2013.” The memo includes guidelines for inspections and mentions that musculoskeletal disorders and overexertion accounted for approximately 44 percent of the injuries reported. OSHA’s guidelines…
  • Preventing repetitive stress injuries

    Simply Work Comp
    31 Jul 2015 | 5:30 am
    Some work injuries happen in an instant, but many happen over a much longer period of time. They might start with a little neck pain after working at a desk all day, or some back pain after repeatedly moving heavy boxes without rest, and then worsen over time. Repetitive stress injuries are the second most common workplace injury resulting in lost time from work. (The first is slips and falls.) They can affect any type of employee — young or old, new or longtime, office or manufacturing. The good news is that these types of injuries are preventable, even for employees who do repetitive…
  • add this feed to my.Alltop

    Agency Nation - Insurance Marketing, Sales and Automation

  • Why Should a Successful Independent Insurance Agency Embrace Digital Marketing?

    Ryan Hanley
    1 Sep 2015 | 11:41 am
    Get more Insurance Marketing Live. Click the button below to subscribe to Agency Nation on YouTube: This episode of Insurance Marketing Live aired on August 31st, 2015 and was titled The State of Insurance Marketing. We had over 100 insurance professionals at the show with more than 40 live viewers at the peak. Click here if you would like to subscribe to future episodes. Learn more about episode guests: Joey Giangola: Fearlessly Questioning Podcast Brent Kelly: The Insurance Coach Insurance Marketing Live Transcript Ryan Hanley: How do you fit…There are people who naturally get it, so…
  • The Appetite Engine: How to Write More of the Business You Want

    Ryan Hanley
    27 Aug 2015 | 3:00 am
    Not a TrustedChoice.com Advantage Subscriber? Click here to learn more about how your agency can begin receiving new inbound referrals today! We know successful independent insurance agencies are fueled, not just by more referrals, but by more of the RIGHT referrals. That’s why we’ve been working so hard on the TrustedChoice.com Appetite Engine. What is the TrustedChoice.com Appetite Engine? The TrustedChoice.com Appetite Engine is an algorithm. In layman’s terms, it’s a bunch of proprietary computer code our engineers have been working on since the original release…
  • 5 Email Marketing Mistakes Insurance Agencies Make

    Josh Monen
    26 Aug 2015 | 5:30 am
    Do you know what the most common activity people do on their smartphones is? It’s not checking Facebook, browsing the web or watching video. The #1 activity people do on their phones is ‘check email,’ according to a study conducted by the International Data Corporation. The study revealed that “email” was the most popular app for 78% of people. Web browsing came in at 73% and Facebook (who happened to sponsor the study) came in at 70%. Not only is email one of the most popular apps used by the modern consumer, it’s also one of the most profitable marketing channels. According to…
  • Moving a Classic Industry into a New Future

    Beverly Connelly
    25 Aug 2015 | 5:30 am
    Present-day Millennial consumers are a far cry from the customers of the first reported insurance company, which came to America in the mid-1700s. Yet while plenty has changed since then in the industry, studies show that insurance has evolved more slowly than many other industries—particularly when it comes to new technology adoption. Where We Are The 2015 Insurance Marketing Survey found that while referrals are agents’ primary marketing channel—delivering up to 60 percent of all of their new business—80 percent of the agents surveyed still rely solely on informal phone, email, or…
  • Fighting Wildfires with Squirt Guns

    Marty Agather
    17 Aug 2015 | 5:00 am
    This has been a dry summer, and not surprisingly, a large number of forest fires are burning out west. The causes of these fires can be debated, as can the long term impacts, costs and benefits. In the short term the destruction and loss is significant. One thing is certain: The West is Burning. States and even countries work together when large fires get out of control. If they don’t, the intensity of the disaster quickly overwhelms even well organized and equipped fire fighters. In July 2015, the National Inter-Agency Fire Center out of Boise, Idaho announced that 5 US fire teams (aka…
  • add this feed to my.Alltop

    Bullfrog Insurance

  • Bonds Now Available Through Bullfrog!

    Bullfrog Insurance
    2 Sep 2015 | 11:10 am
    Everyone at Bullfrog is very excited to announce that we now offer bonds! Depending on your industry regulations and the operations of your small business, there may be a point in time when you might need a bond for your small business. Not sure what a bond is?  Bonds are essentially a guarantee that your small business will carry-out its performance and meet a regulatory or financial obligation to your clients/fellow businesses. Depending on your industry regulations and the operations of your small business, there may be a point in time when you might need a bond and Bullfrog is now ready…
  • Confusing Insurance Lingo Explained: Part 1

    Bullfrog Insurance
    27 Aug 2015 | 1:07 pm
      We agree with you – insurance can be really confusing. With all the lingo and various terms used within the industry, and documents available to you, we understand why one might find them self confused . No worries though, we are here to help demystify the beast that is insurance! It’s important to note that understanding various terms and elements of insurance is a huge leap forward towards better protecting your small business. How exactly? This allows you to be more informed on what your small business insurance policy covers and what it may not cover in the event of a…
  • Avoid the Burnout by Making Work-Life Balance a Priority

    Bullfrog Insurance
    20 Aug 2015 | 12:25 pm
    As a small business owner and/or entrepreneur, you most likely find yourself working 24/7 and the idea of having a work-life balance is a mystical concept that doesn’t fit within modern day society. Although it can be difficult to implement and maintain, developing a work-life balance is possible and essential when it comes to avoiding the dreaded burnout. It’s important to understand that everyone is different and so are our responsibilities, which is why there is no cookie cutter plan to ensuring an effective work-life balance approach and strategy . Between organizing effective…
  • Importance of Arranging a Builder’s Risk Policy

    Bullfrog Insurance
    12 Aug 2015 | 2:18 pm
    When building a new home, and sometimes even during a renovation, it’s essential to make sure that a Builder’s Risk/Course of Construction policy is in place. This policy provides coverage for the physical building while it’s under construction, from losses such as fire, vandalism, water damage and more. As a general contractor, you are responsible for the build and for the site, and as such, you could find yourself on the hook if you don’t arrange the Builder’s Risk policy yourself. Some of the pitfalls you might encounter if you don’t arrange the policy include:   No…
  • 6 Tips for Taking Advantage of the Summer Slow Down

    Bullfrog Insurance
    5 Aug 2015 | 1:38 pm
    Time goes by so fast! It’s now August and the summer is almost coming to an end. As your staff are finishing off their summer vacations and the business has slowed down, it’s a great time to take a breather and plan ahead for the coming months or catch up on some items. Here are a few tips that you and your small business can implement and take advantage of before business begins to pick up again in the fall:   Review Invoices. Make sure invoices are paid on time so that clients are happy and that there is no negative financial impact to your business. Instead of having only…
 
Log in