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A company's reputation is one of its most important assets. Years of good work can be jeopardized by just one incident that sours the public's view of an organization. A damaged reputation can result in a loss of sales and a lower stock price, and create long-term financial problems for a company. Given what's at stake, it is vital that companies respond effectively to any event that threatens their reputations. This latest white paper from Business Insurance explains what's at stake for companies, what they can do to manage the risk before and after an event happens, and what insurance coverage is available to meet the costs of restoring a damaged reputation. View a sample.
Rising prices for workers compensation insurance policies and for excess insurance purchased by employers self-insuring their workers comp risks are cause for rethinking insurance options and possibly assuming more risk. Reducing insurance costs will require employers’ greater attention to loss analysis, safety and claims management. And assuming more risk also could mean taking on greater responsibility for managing workers comp service suppliers. The soft market has vanished, taking with it policyholders’ ability to get the price reductions and favorable policies available from 2004 through 2010.
This Business Insurance white paper outlines various solutions for workers comp buyers to evaluate the advantages and disadvantages of different program structures. View a sample.
Remember when most insurance agent and broker business transactions were offline? Customers, employees, and all other business associates were likely to conduct searches online, but all other business transactions and interactions were offline. Today, the virtual and the real are merged into a larger ongoing experience. Activities online easily are switched offline and the other way around. As a result, all businesses need a digital strategy that is aligned with their overall strategy and takes into consideration all the stakeholders in an enterprise — employees, management, customers and suppliers. This latest Business Insurance white paper specifically addresses how insurance agents and brokers can evaluate the needs of their business and develop a digital strategy that will help their business thrive. View a sample.
This double directory includes 66 domiciles worldwide with more than 6,000 captives. Specific captive regulation and legislation is included if provided by the domicile. In addition, this directory includes 40 captive managers that manage over 5,000 captives worldwide. The PDF also includes the captive market charts published March 11, 2013 as well as all the articles included in the overview of the captive industry.
Workplace violence is a significant problem for employers. Recent well-publicized tragedies, such as the Sandy Hook Elementary School shootings and the Aurora, Colo., movie theater attack, show just how devastating acts of violence can be. While high-profile incidents are comparatively rare, numerous other acts of violence occur in workplaces every day, whether they are fatal attacks, violent robberies or fights on a factory floor. Employers often feel powerless in the face of random acts of violence, but the fact remains that they are responsible for the safety of their clients and workforces. This Business Insurance white paper explains how companies can prepare to respond to incidents of workplace violence and prevent incidents from occurring. View a sample.
Resolving the majority of workers compensation claims is a straightforward process. Other more problematic claims can be time-consuming and costly, particularly when obesity or comorbidity are involved, or when inappropriate pharmaceutical use enters the picture. Ironically, though, the real challenge for claims administrators may not come from those problematic claims. A look through the rearview mirror at unresolved claims shows a large percentage of them started as medical-only injuries. Whether they begin as minor or troublesome claims, this relatively small percentage of claims consumes a large proportion of an employer’s workers compensation costs. How can claims adjusters better manage lengthy and hard-to-close claims and, in turn, better manage their employer’s resources? This white paper explores the potential for difficult claims, offering suggestions at every stage in the claims process to ease the pipeline. View a sample.
Enterprise risk management is a goal of many organizations, yet efforts to achieve ERM often are stymied by what seems to be the insurmountable challenge of identifying and measuring many business risks. While many of those organizations see value in examining exposures across the enterprise, they find themselves unable to craft the mechanisms to do so or recognize the tools that might help them in that process. This latest white paper from Business Insurance explains that, with a commitment from the top, involvement across the organization, and a look at some of the techniques that have worked in ERM programs elsewhere, risk identification and assessment need not be a roadblock on the path to enterprise risk management success. View a sample.
Going “green” is easier said than done. While many organizations consider the social and economic benefits of environmentally friendly buildings, the risks involved in going green are not always top of mind. But environmentally conscious construction presents numerous questions and challenges which have yet to be resolved in this still-young field. What are the standards for green buildings? Who is responsible for tracking new laws and regulations? What happens when standards are not met? Who is liable? This latest white paper from Business Insurance answers these questions and provides insights into how to manage the risks of going green. View a sample.
The more science discovers about obesity, the more chilling the effects of this condition appear. It is not only a disease in itself, but also a huge risk factor for numerous other diseases, from diabetes to cancer and joint damage. In addition, obesity compromises recovery from illnesses and injuries, which can result in relatively minor injuries remaining unresolved two or even three years down the road. This latest Business Insurance white paper explores the epidemic and explains why employers, and particularly workers compensation managers, should focus on this issue. Additionally, it offers steps that workers comp managers can take to prevent and/or mitigate the problem. View a sample.
Pressures at work against the health insurance market have caused the cost of health benefits to increase steadily for years and that trend will continue. The nation's health care reform law has the potential to offer relief, but mainly to individuals. Still, for insurers, costs are expected to increase as providers struggle to meet new requirements and regulations. Employers are caught in the middle. They can expect to assume burdens passed on from individuals and insurers. Furthermore, the new health care reform law requires most employers to provide insurance for all full-time workers or pay a per-employee fee. This latest white paper explores health coverage options and available alternatives and explains how, with creativity and dedicated effort, employers can find ways to keep health plan costs at reasonable levels. It also reveals alternative financing arrangements employers can adopt to provide the health benefits they desire to offer to workers. View a sample.
Demographic changes are set to have a huge impact on society as baby boomers enter their 50s and 60s. How that vast generation of workers born after World War II will affect everything from pensions to health care has long been discussed by policymakers, actuaries and others as they seek to ready workers and the rest of the society for the inevitable realities that will have to be faced when those workers retire. But what if those workers choose to continue working? This white paper discusses the issues that employers must address as their workforces age, outlines strategies to make workplaces safer for older workers, and gives examples of how some employers have successfully implemented those strategies. View a sample.
China's story over the past three decades has been truly extraordinary. The nation has an average annual GDP growth of more than 10%, it is now the world's largest exporter and manufacturer, and it is becoming an important consumer market in its own right. With such booming growth, the business o opportunities for insurers, brokers and other companies are obvious. But with opportunities come risks. Economic hiccups loom, and regulatory and political risks are also ever present in a country dominated by a one-party system. This Business Insurance white paper will discuss the current insurance market in China and the opportunities it offers, explain the regulatory system, and point out some of the risks for insurers, reinsurers and brokers doing business there. View a sample.
Is self-funding health benefits right for your company? Too complex to manage? Not anymore! With health care cost increases still outpacing inflation, the savings from self-funding health care coverage is an option that employers can't afford to ignore. Traditionally seen as a cost-control strategy for large companies, self-funding benefits is now a realistic alternative for midsized and smaller businesses, too. This 2012 white paper from Business Insurance explains the advantages of self-funding health care benefits, how to avoid obstacles in the way of self-funding, and outlines how to manage the move from buying insurance to taking control of your benefits program. View a sample.
Organizations operating internationally need to be aware of bribery and corruption risks and have measures in place to curb their exposures. Laws and guidelines barring bribery of foreign officials, such as the U.S. Foreign Corrupt Practices Act and the U.K. Bribery Act, detail which activities are unacceptable and outline penalties that will be imposed on companies that breach the rules. But offering bribes, gifts or other facilitation payments often is seen as simply a cost of doing business, and breaking longtime habits is a difficult task. This latest white paper from Business Insurance details the laws that organizations need to comply with, examines trends in the enforcement of the laws, offers a framework for managing the risk, explains how insurance coverage might respond to liabilities arising out of bribery incidents, and analyzes defenses available to executives accused of corruption. View a sample.
The 2012 Directory of Agents and Brokers provides detailed information about 126 brokers. For each broker, the directory lists gross revenue, brokerage revenue, percentage of brokerage revenue from U.S.-based business and from non-U.S.-based clients, brokerage retail revenues, reinsurance revenues, employee benefits revenues, and service revenues. Also included is the total number of employees, the number of retail offices, the year the company was founded, and company officers. This 43-page report includes the complete 2012 directory of 126 brokers, the Business Insurance profiles of the world's 10 largest brokers. The premium PDF combines the research and analysis published in print along with the complete directory. View a sample.
Brazil is brimming with potential. The country has seen a transformed economy, lower unemployment and a decline in income inequality. As the industrial sector and middle class grow, Brazil is more attractive to foreign companies and their insurers and brokers. Although it is an emerging market, Brazil has large, established agricultural, mining, manufacturing and service sectors, with many companies looking to expand outside of the region. Demand for commercial insurance and broking services is rising. But the country's tax and labor rules bring levels of bureaucracy that would shock many foreign companies. The government also continues to protect industries it sees as strategic, including insurance and reinsurance. This white paper explores the opportunities Brazil holds for insurers, reinsurers and brokers, explains how the insurance regulatory system works, and discusses issues that must be faced when doing business there. View a sample.
Like it or not, your company is exposed to a growing number and array of cyber risks. Do you know how to manage these evolving and ever changing risks? This Business Insurance white paper identifies the different types of cyber threats that organizations face and what companies need to do to proactively identify, approach and manage these risks. In addition, the paper explores the unique risks created by the growing use of cloud-based computing solutions. The white paper also reviews the results of Business Insurance's proprietary 2012 Risk Manager Cyber Risks Survey. View a sample.
In business, expect the unexpected … but make sure your company is financially protected! Relying on business partners to execute their responsibilities as promised and on time is such a crucial element of today's economy that many firms have supply chain specialists dedicated to managing the task and buy insurance to guard against the risk. This new white paper from Business Insurance evaluates the supply chain risks that companies face, analyzes the coverage available under contingent business interruption coverage and offers advice from leading industry experts about how to manage this catastrophic exposure. View a sample.
Catastrophic events can be shocking, but many of them shouldn't come as a surprise. It's a given that coastal areas will suffer windstorms and that seismic zones will experience earthquakes. The key to surviving these disasters is preparation. Companies can minimize a catastrophe's damage by understanding their exposures, predicting a potential event's likely impact, taking steps to mitigate losses and having plans in place to deal with a disaster and its aftermath. This white paper offers steps to disaster planning and points out important exposures that businesses may overlook to their detriment. View a sample.
This new white paper examines the factors already at play that will sooner or later turn the market; how risk managers can use detailed data to their advantage in negotiations with insurers; what discussions buyers and sellers of insurance should be engaging in now to ensure neither side is sucker punched when the hard market hits; alternatives to consider when traditional capacity contracts; and what to do when the market turns if you are not adequately prepared. View a sample.
Opioid use and misuse by workers is a major concern for employers. An increasing number of workers are prescribed these powerful and addictive drugs to alleviate pain, but frequently they are prescribed to treat the wrong kinds of pain and don't eliminate the source of pain. Too often, opioid use results in extended disability and additional medical concerns for claimants. This white paper provides background on opioid misuse; offers concrete steps that workers compensation managers can take before and after opioids are prescribed to prevent harm from the drugs; and suggests ways of measuring the effectiveness of the steps taken. View a sample.
Taking a hands-on, collaborative approach to your workers compensation TPA relationship can help control costs and improve outcomes for employers and injured workers. This white paper from Business Insurance explores the business case for taking a more proactive approach to TPA relationships, as well as some of the best practices to ensure the success of those partnerships, including how to establish accountability and manage caseloads. In addition, the white paper offers perspectives on deciding whether to pay extra for some services—such as additional adjusters or nurse case managers—that might save money in the long run. Also included is Business Insurance's exclusive directory of TPAs View a sample.
Today's risk managers face a daunting array of legal, business, regulatory, political and environmental challenges. They need a powerful, flexible tool to help navigate this environment and provide meaningful reports and analyses, database management and accuracy. The risk management information system is such a tool. The focus of this Business Insurance white paper is to look at today's RMIS and see how risk managers can harness its true potential. View a sample.
Executives at many middle-market companies are very comfortable with their insurance brokers. For some, their broker seems like part of the corporate family, for others the executive in charge of insurance is too busy to analyze broker performance. But shouldn't this key advisory role be subject to more rigorous scrutiny? This Business Insurance white paper examines the role that brokers play for middle-market firms, how executives should measure broker performance, and what they should look for in a broker if they believe it is time for a change. View a sample.