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The Zillow Pro for Brokers network has grown to more than 200 brokerages who receive more prominent placement of their listings, better reporting and enhanced access to a contact follow-up system in return for sending a direct feed of their listings to the portal. Under the Zillow Pro for Brokers program, which launched June 2012, data feeds provided by brokers via their multiple listing service will take priority over all other data sources the portal uses. The 11 new brokerage participants named by Zillow today include Bob Parks Realty, Keller Williams NYC, Re/Max of Michigan, and William E. Wood & Associates Realtors. “We are participating in Zillow Pro for Brokers because it is the right thing to do for our associates and their clients,” said Dan Troup, director of technology for Re/Max of Michigan, in a statement. “The program allows our brokers to maintain complete control of their listing data while ensuring their clients’ listings receive the best exposure on Zillow’s mobile apps and website.” “Zillow Pro for Brokers is the perfect way for brokers to stay in complete control of their listings, and we are thrilled to welcome these new brokers to the program,” said Greg Schwartz, chief revenue officer at Zillow, in a statement. The new brokerage participants include: - Bob Parks Realty LLC, Tennessee - Keller Williams New York City - Prudential California Realty, Cosner Group, California - Prudential Montana Real Estate, Montana - Prudential Prime Properties, Massachusetts - Re/Max of Michigan - Re/Max Allegiance, Washington, D.C., and Virginia - Rodeo Realty - Sellstate Realty, all locations nationwide - Troop Real Estate Inc. - William E. Wood & Associates Realtors, Virginia

https://www.inman.com/2013/10/29/zillow-pro-for-broker-network-surpasses-200-members/

Wednesday, June 20, 2018 to Thursday, June 21, 2018 “Innovate to Capture the Growth Potential”, is the theme for the Africa Insurance & Reinsurance Conference scheduled for the 20th & 21st June 2018 in Nairobi Kenya at The Villa Rossa Kempinski Hotel. The theme is informed by the overarching direction to transform product offerings & revolutionize distribution channels so as to generate returns and tackle the low insurance penetration in this region. Industry experts also agree that innovation is the only way traditional insurers can stay relevant in the ever-evolving consumer market. While innovation alone will not guarantee the sustainability of insurers, it holds the largest share of responsibility towards this end. It offers insurers an opportunity to reinvent and stay ahead of the pack even as new and well-funded technology-based start-ups continue to pose a real threat to the survival of the industry giants. Some issues that will be addressed include: - Capturing growth for the Regional Insurance Markets - Thematic: Market Growth Catalysts: – What are the most prospective areas for investment in the insurance sector in near future - Strengthening the Regional Reinsurance Market – Building Capacity through Economy of Scale - Credit Trade Insurance - Market Growth Catalysts- Fighting Fraud - Micro Insurance - Towards a More Robust Risk Management Framework for Regional Insurance Players - Managing Business System Transformation — Development an integrated technology for the enhancement of insurance penetration - Islamic Insurance Roundtable Debate: Advancing the Takaful Industry to the Next Level Members of the MiN can benefit from a 25% discount when registering for the event. Simply contact the Executive Team for the discount code. The event organisers are also looking for speakers on relevant microinsurance topics, so any members interested should also get in touch. Speakers, who are MiN members will be granted free admission to the conference!

https://www.rfilc.org/events/africa-insurance-reinsurance-conference/

Qualys Unveils TotalCloud 2.0 February 2024 by Marc Jacob Qualys, Inc. unveiled TotalCloud 2.0. This significant upgrade to Qualys’ AI-powered cloud native application protection platform (CNAPP) delivers a single prioritized view of cloud risk and is the first to extend its protection to SaaS applications. The shift toward multi-cloud and SaaS environments presents organizations with the opportunity for innovation and agility but also introduces complex security challenges. This has led to the adoption of numerous security tools, each providing different and sometimes conflicting perspectives on the organization’s risk level. Navigating these diverse risks across fragmented environments poses a challenge for organizations, impeding effective risk prioritization, reporting and remediation. TotalCloud 2.0 with TruRisk Insights provides a single, prioritized view of cloud risk. The solution correlates unique indicators from diverse Qualys sources, such as Cloud Workload Protection (CWP), Cloud Security Posture Management (CSPM), and Cloud Detection and Response (CDR). It combines these with SaaS and infrastructure posture to allow organizations to fix the most harmful threats quickly. Qualys TotalCloud 2.0 with TruRisk Insights Qualys TotalCloud 2.0’s enhancements streamline operations by providing: TruRisk Insights: Singular, Prioritized View of Cloud Risk – TruRisk Insights streamlines the identification of the highest-risk assets. In analyzing anonymized customer data, Qualys found 120,000+ internet-accessible cloud workloads, with less than 10% having confirmed vulnerabilities. Qualys TruRisk Insights correlated risk indicators and identified less than 0.3% of workloads with a confluence of suspicious activities, malware, and misconfigurations. This streamlined focus allowed organizations to prioritize critical issues by eliminating 99% of workloads that didn’t require immediate attention. Additionally, TotalCloud 2.0 integrates data from your External Attack Surface Management (EASM) solutions, giving you visibility into how external threats may perceive and target your cloud assets. Comprehensive Protection for SaaS Applications – Today’s threats extend beyond public cloud into organizations’ critical SaaS applications. Without adequate protection, these applications can serve as entry points for lateral movement into the cloud environment. The recent SEC regulation mandates that all public companies are now obligated to disclose cyber incidents and meet cybersecurity readiness requirements for data stored in SaaS systems. TotalCloud is the first CNAPP solution to incorporate SaaS security posture management (SSPM) ensuring that configurations and permissions in apps like Microsoft 365, Zoom, Slack, Google Workspace, etc. are seamlessly integrated into your overall security posture for enhanced decision making. Supply Chain Risk Mitigation - TotalCloud effortlessly scans all open-source software pre-and-post deployment across various compute workloads, including containers, utilizing both agent and agentless techniques. This comprehensive approach significantly diminishes supply chain risk by identifying vulnerabilities across multi-cloud environments. Operationalized Risk Reduction – Streamlines operations and removes silos between IT and security with ITSM integrations. Automatically assign tickets and enable orchestration of remediation with your ITSM tools such as ServiceNow and JIRA to significantly reduce risk and speed mean time to remediation. TotalCloud with TruRisk Insights is immediately available. To sign up for a free trial, visit qualys.com/totalcloud-2-demo. Learn more by reading our blog, Announcing TotalCloud 2.0: The Future of Cloud Security or registering for our thought leadership event, Cyber Risk Series: Cloud Security Edition, moderated by cloud expert, David Linthicum.

https://www.globalsecuritymag.com/qualys-unveils-totalcloud-2-0.html

We are excited to be attending Commercial Lines Innovation Europe! We have a keynote session, a booth, and we are sending our team of solution experts to talk about how we are harnessing the power of embedded traditional and generative AI in our end to end underwriting ecosystem for Commercial, Specialty & E&S lines. How can you connect with us? Join Sandeep Haridas, EVP and North America Business Head, for his session about the rise of generative AI and what insurers need to consider when embracing this innovation. Session: The Rise of Generative AI in Underwriting: Vital Tools and Considerations for Underwriters Wednesday, October 4, 12:15 pm The session will talk about enhancing underwriter capacity, plugging the talent and skills gap and balancing automation and human touch as key considerations for making generative AI successful in underwriting. 2.Meet us at our booth Meet with our solution experts to learn more about how we are building real AI applications for insurance underwriting. See how our end to end AI enabled underwriting ecosystem covers the entire insurance value chain from cognitive submission ingestion and real-time data enrichment to submission prioritization and comprehensive underwriting workbench capabilities. Make an appointment to meet with us in person to talk about how we can work with you on your journey to underwriting profitability. Business Head, North America and Chief Strategy Officer SVP, Insurance Go to Market Leader Vice President - Head of Wealth Management & ESG AVP Marketing and Media Relations Reimagining Wealth Management: Unlocking The Power Of Emerging Technologies Gen-AI in Insurance Global WealthTech Summit 2023 Target Markets Program Administrators Annual Summit 2023 WFIS Indonesia 2023 ESG Fintech Summit 2023

https://www.intellectai.com/commercial-lines-innovation-europe/

At present, two main technologies are mainly used in forest fire prevention and early warning monitoring: on the one hand, satellite and remote sensing image technology are used to monitor forest fire prevention. The satellite images are continuously transmitted to the ground satellite receiving station, which processes the satellite images to monitor the occurrence and development of forest fires. The method is mainly used for monitoring forest fires in large areas and regions. On the other hand, video monitoring technology with a video inspection camera is used to monitor the forest area in real-time, and then the images are transmitted to the command center. Through the forest fire prevention command and management system, the forest fire scene can be accurately located, and the fire can be analyzed and counted through various business functions, which can provide the basis for leaders to command and make scientific firefighting decisions. What capabilities do forest fire detection camera need: First, they need a larger detection range, so that they can cover enough areas; Secondly, it needs to run normally all the time because forest fires can happen at any time; In order to cope with the complex forest environment, anti-interference ability is also essential. - Infrared Thermal Imaging Sensor Camera Modules - Thermal Night Vision - EOS Electro Optic Sensor Systems - Inspection Camera

https://www.everaytech.com/how-to-prevent-forest-fire-prevention.html

Quick Question: Is Cyber Monday Passe? Cyber Monday. The phrase seems so quaint. Like floppy disk. Or information superhighway. But the idea of making a big deal about everybody shopping online on a given day seems even more quaint. So quick question: Is the notion of Cyber Monday passe? In one way it is: The term Cyber Monday — as we know it today — dates back to the mid 2000s. One of the earliest references was on Halloween in 2005, when David Kerley of ABC News referred to a graphic showing the millions of people who planned to buy something online on the Monday following Thanksgiving. "The first Monday after Thanksgiving," Kerley said, "has earned this nickname as people head back to work, log onto their work computers with high-speed Internet connections, and then start to shop. Online retailers are even launching major sales and discounts to try and drive the rush of online traffic on this Monday." Eight years later, laptops and WiFi and mobile gizmos allow Americans to shop Cyber Monday-style every day. As Wired magazine pointed out last go-round: Cyber Monday has evolved into Cyber Week with "a Cyber Month, a Cyber Year, a Cyber Decade, a Cyber Century to come." Many Americans, in fact, are living a Cyber Life. So Cyber Monday is somewhat anachronistic. In another way, it's not passe: Cyber Monday is an arbitrary day, says Brad Wilson, founder of Brad's Deals. "It is quite literally a creation. But it has become reality." Brad, who lives in Chicago, launched his retail filter site 12 years ago when he was a college student and the online retail world was young. He thinks Cyber Monday still has lots of room to grow. As evidence, he points to Commerce Department stats that show e-commerce sales in the third quarter of 2013 amounted to 5.4 percent of total retail sales. Brad says, "Walmart's sales are roughly seven times Amazon's." So "e-commerce has a long, long way to go," Brad adds, "as does Cyber Monday along with it." Copyright 2021 NPR. To see more, visit https://www.npr.org.

https://www.vermontpublic.org/2013-12-02/quick-question-is-cyber-monday-passe

Private Mortgage Insurance (PMI) Definition and Legal Meaning On this page, you'll find the legal definition and meaning of Private Mortgage Insurance (PMI), written in plain English, along with examples of how it is used. What is Private Mortgage Insurance (PMI)? It refers to that insurance company with whom the mortgage lender is attached. If the borrower defaults the repayments, the PMI safeguards and protects the mortagage lenders by the way of compansation. History and Meaning of Private Mortgage Insurance (PMI) Private Mortgage Insurance (PMI) is a type of insurance that lenders require from borrowers who put down less than 20% of a home's value as a down payment. The purpose of PMI is to protect the lender against loss if the borrower defaults on the mortgage loan. In other words, PMI is a way for lenders to manage their risk. PMI has been around for decades, and was created as a way to increase home ownership rates by making it easier for borrowers to obtain mortgages. Before PMI, lenders required much larger down payments (often 30% or more), which made it difficult for many people to buy homes. Today, PMI is a common requirement for many mortgage loans. Examples of Private Mortgage Insurance (PMI) The borrower was required to pay an additional $100 per month for PMI since they put down only 10% for the down payment. The lender calculated the cost of PMI to be $1,500 per year and this was added to the borrower's monthly mortgage payment. The borrower was able to avoid paying for PMI by putting down 20% for the down payment on their home. Legal Terms Similar to Private Mortgage Insurance (PMI) Mortgage Insurance Premium (MIP): This is a type of insurance that is required for certain types of government-backed mortgages, such as FHA loans. Hazard Insurance: This is a type of insurance that protects the borrower and lender from loss due to damage or destruction of the property, such as from a fire or natural disaster. Title Insurance: This is a type of insurance that protects the borrower and lender from loss due to problems with the property's title, such as liens or ownership disputes.

https://legal-explanations.com/definition/private-mortgage-insurance/

STRATEGY & POLICY SERVICES POLICY IMPACT ASSESSMENT STRATEGIC & POLICY RISK ANALYSIS POLICY-DRIVEN BUSINESS GROWTH: STRATEGIES FOR STRATEGIC ALIGNMENT Our 'Strategy & Policy Services' are meticulously designed to harmonize your business objectives with effective policy implementation, fostering sustainable growth. Our services, including Implementation Evaluation, Policy Impact Assessment, Strategic Risk Analysis, and Competitive Intelligence, work synergistically to ensure your business strategies align seamlessly with regulatory frameworks By evaluating policy execution, analyzing its impact, assessing strategic risks, and leveraging competitive intelligence, we aim to strategically align your business with policies, paving the way for sustained growth and competitive advantage. STRATEGIC POLICY MANAGEMENT: NAVIGATING INNOVATION AND COMPLIANCE The interplay between compliance and innovation lies at the heart of strategic policy management. Businesses that successfully navigate this landscape often demonstrate an innate ability to innovate within regulatory boundaries. They leverage compliance requirements as guiding principles to fuel innovative solutions, driving product development, operational efficiency, and market expansion. Moreover, strategic policy management encourages a culture of continual improvement and adaptation. Organizations adopt agile frameworks to pivot swiftly in response to evolving policies, allowing for rapid innovation cycles while ensuring compliance with legal and ethical standards.

https://skrifts.com/services-we-offer/policy-analysis-services/

Case Study: The Need of Installation of Safe Fire Protection and Detection Systems Electrical short circuit caused an undesirable fire incident. On 24 May 2019, a distressing incident shook entire India as a fire engulfed a commercial complex in Surat, Gujarat. According to India Today’s news article, twenty-two students died and several others were injured in an academic coaching center located on the third and fourth floor of the building. Almost 70 students were present inside the center when the fire broke out. Moreover, 19 fire tenders and two hydraulic platforms were pressed into service to douse the fire. It took an hour to contain the blaze. As reported, the fire started due to an electric short circuit on the ground floor which rapidly spread to other floors. Students in the coaching center were trapped because of the destruction of a wooden staircase. Also, there was no escape route available for the students who got trapped on the top floors, and students were seen jumping from the third and fourth floor amid the thick smoke. An electrical short circuit is reported to be the most common cause of fire incidents in buildings. Consequences of dreadful fire break out During the investigation the loss of lives of people and loss of property was reported, it was revealed that 16 students died due to fire or asphyxiation, 3 students died after jumping off the terrace of the building, and 3 succumbed to the fire-burns they sustained. Later it came to light that the building did not even follow the basic fire protection rules and no systems or equipment was installed to handle fire in the building. Safety guidelines laid by the Indian government The Indian government and fire experts through NBC (National Building Code) have laid down mandatory safety measures which need to be installed in any type of building depending on the type of occupancy/building/hazard. As Per NBC, Commercial complexes come under the moderate risk category. Independent Pump houses with suitable water storage tanks, External hydrants, internal hydrants for all levels, first aid hose reel, automatic detection system, and fire extinguishers are a few of the mandatory measures suggested by the NBC. In the above case, the fire safety regulations were ignored and poorly enforced in commercial buildings and none of the fire safety requirements were fulfilled. Prevention is Better than Cure Suitable Fire extinguishers should be strategically placed to encounter small fire incidents. A fire safety plan is very important in case of such incidents. A fire safety plan helps identify routes through a building in the event of a fire or other emergency. Additionally, it outlines how people should escape a burning building or evacuate when a fire threatens the area. At Nohmi Bosai India, we are committed to saving human lives and property with effective fire protection which can prevent or minimize such unfortunate incidents. Nohmi India team is fully expertise in designing all types of Fire Protection and detection systems as per the law. Moreover, we follow all rules and regulations and offer a wide range of services which includes designing fire fighting systems, risk assessment, fire fighting systems training, Annual maintenance contracts, etc. Nohmi India has successfully installed and demonstrated various fire protection and detection systems all across India including similar lethal categories. Early detection of fire is very crucial in suppressing fire at the initial stage. By preventing fires at an early stage, damage can be minimized. We commit to making the world a safer place Nohmi Bosai being a pioneer in the fire industry with more than 100 years of existence in Japan has a wide range of products for protection and early detection. Nohemi’s various Fire Alarm panels are user-friendly, faster and easier system operation. Nohemi’s protection view (Smoke Aspiration) system provides early detection. This system constantly sucks the air in the monitoring area from a large number of sampling holes and optically monitors the environmental air in the entire area. In addition, the sensor monitors at a Hyper-sensitive level that accurately captures normal environmental changes. Nohmi NN100 Gas based (Inert Gas) Room flooding system is one of the most recommended systems for electrical rooms. Hence, the system is 100% safe for humans as well as the environment.

https://nohmibosai-india.com/case-study-the-need-of-installation-of-safe-fire-protection-and-detection-systems/

OLDWICK, N.J.–(BUSINESS WIRE)–Best’s Review starts the new year with the publication of the Guide to Understanding the Insurance Industry as the January edition of the magazine. A high-level overview designed with students, new employees and prospects in mind, the Guide furthers the magazine’s mission to inform readers about the workings of the insurance industry, particularly in the United States. New features for this year include a section on delegated underwriting authority enterprises and resources to help readers navigate the global insurance industry, such as lists of U.S. college risk management and insurance programs, industry publishers, podcasts and more. Also included in the January edition are interviews conducted by AM Best TV with a variety of industry leaders throughout 2023: - In “Institutes: AI’s Predictive Powers Can Personalize Insurance,” Peter Miller, chief executive officer and president of The Institutes, talks about how artificial intelligence’s power can transform underwriting and the insurance workplace but needs transparency to avoid poor outcomes. - In “Heightened Life Insurance Demand Shaped by Pandemic, LIMRA Says,” Alison Salka, LIMRA’s senior vice president and director of research, discusses the surging interest in obtaining life insurance, particularly among younger adults. - “Rise in Injuries Highlights Athletes’ Insurance Needs, Attorney Says” features Richard Giller, partner and chair of the insurance recovery and counseling practice group at Greenspoon Marder LLP, who says professional sports teams need to balance risks tied to payments under guaranteed contracts. - In “Linux Foundation: Insurers Should Take the Lead in Targeting Cyberrisk,” Linux Foundation Chief AI Strategist Brian Behlendorf dives into how hackers are uncovering new vulnerabilities to target global trade. - “BMS Re: Collateralized Market, Capacity Create Opportunities for MGAs” features Desmond Bohan and John Speckman, both managing directors at BMS Re, who see flexibility with rates as a driving factor for ties between reinsurers and MGAs. - “North Dakota Commissioner: AI to Evolve in Underwriting While Targeting Bias” has North Dakota Insurance Commissioner Jon Godfread explain how artificial intelligence can transform the industry, reaching deep into risk assessment and claims processing. Best’s Review is AM Best’s monthly insurance magazine, covering emerging issues and trends and evaluating their impact on the marketplace. Access to the complete content of Best’s Review is available here. AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com. Copyright © 2024 by A.M. Best Company, Inc. and/or its affiliates. ALL RIGHTS RESERVED. Executive Editor, Best’s Review® +1 908 882 1771

http://www.worldgovernmentbonds.com/bests-review-presents-guide-to-understanding-the-insurance-industry/

UMBRELLA / EXCESS LIABILITY An additional limit of liability that is written over primary liability policies, such as: General Liability, Auto Liability, Employee Liability, and Employee Benefits Liability. Some umbrellas will even go over foreign liability. The umbrella provides excess limits once primary limits are exhausted. In special circumstances, it can drop down to claims not covered by an underlying policy.CONTACT US Provides Automobile Liability and Physical Damage coverage for “autos” used in your business. “Autos” can include cars, trucks, vans, trailers, or other vehicles designed for use on public roads.SEE DETAILS > Protection from third-party losses that result from your advice, expertise, and/or services performed, which cause an economic loss to your client. Various professions require professional liability, such as: lawyers, accountants, engineers, architects, and staffing companies.SEE DETAILS > “What our clients say” “Accident Fund has partnered with Goodman Venegas for over 25 years. Their desire to truly understand the intricacies of workers’ compensation insurance has given them a competitive advantage in the industry and has fostered our strong working relationship with them. They have been very active on our various agency councils, providing us input on how we can improve as a company to better assist their clients. Our shared goal of keeping workers safe and claims costs down has created a support network for policyholders that is second to none. We are proud to partner with agencies such as Goodman Venegas and look forward to doing business with them for many years to come.”-Keith Adkins, Vice President of Marketing- Accident Fund Holding, Inc.

https://www.goodmanvenegas.com/business-insurance/umbrella-excess-liability/

Portland, OR (June 11, 2020) – NAVEX Global®, the leader in integrated risk and compliance management solutions, today announced the availability of three new offerings designed to meet customer needs for solutions that address key risk management issues: Lockpath Third Party Risk Management; Lockpath Business Continuity Management; and Lockpath Privacy, Risk and Compliance Management. These focused solutions provide critical capabilities that leverage NAVEX Global’s award-winning Lockpath Integrated Risk Management (IRM) platform. Available individually – and fully upgradeable to the Lockpath IRM Standard or Enterprise editions – they enable organizations to quickly deploy solutions for risk issues that have become more apparent during the COVID-19 pandemic and are important for businesses to address quickly. Current business conditions have exposed or intensified many operational risks – from supply chain disruptions and gaps in business continuity plans to new data privacy and compliance risks as more employees work remotely. Now front and center, these concerns create an immediate need for a solution to identify, manage and remediate these risks, along with an urgency to implement solutions quickly. In response, NAVEX Global has packaged new solutions that allow organizations to rapidly implement targeted risk management programs. The solutions come with templates based on best practices – ensuring organizations can begin identifying and managing risks almost immediately – that can be tailored to meet each customer’s unique business needs. Further, the solutions are fully scalable, allowing organizations to address their most prominent risks today and build toward a more comprehensive integrated risk management program tomorrow. - Lockpath Third Party Risk Management helps organizations create a more effective, responsive and agile third-party risk management program. The solution enables companies to more efficiently assess their third-party risks, understand how those risks impact the business and work on remediation activities to reduce risk and ensure compliance. - Lockpath Business Continuity Management enables companies to strengthen business resilience by planning and preparing for disruptive events. The solution assists business and risk managers in identifying, assessing and quantifying risks to business processes, creating integrated plans for different scenarios that could impact business processes, testing those plans for effectiveness and compliance, and monitoring for organizational changes and conflicts that could impact plan execution and crisis management. - Lockpath Privacy, Risk and Compliance Management allows organizations to establish a risk-based privacy program that is compliant with the world’s expanding privacy laws. The solution assists risk and compliance professionals in recording data processing activities, understanding the types of data they possess and how it flows throughout the organization, identifying and managing data privacy compliance requirements and risks to those requirements and assessing the impact of potential breaches. “The COVID-19 pandemic has opened the eyes of Boards, C-Suites and investors that organizations need to proactively manage business risks,” said Bob Conlin, NAVEX Global President and CEO. “NAVEX Global’s newly packaged risk management solutions will help organizations address immediate business needs while providing a solid base to build a fully integrated risk management program going forward.” About NAVEX Global NAVEX Global is the worldwide leader in integrated risk and compliance management software and services that help organizations manage risk, address complex regulatory compliance requirements and foster an ethical, highly productive workplace culture. For more information, visit NAVEX Global’s website and our Risk & Compliance Matters™ Blog, follow us on Twitter and LinkedIn.

https://www.corporatecomplianceinsights.com/navex-launches-risk-management-solution-packages/

The Movo Partnership has greeted seven new appointed representative (AR) members into its fast-growing network this month, including a new broker start-up and dealers from other networks. Trinity Indemnity, a commercial broker based in Midlands, has joined Movo, where it will focus on its current book and execute expansive growth plans. Commercial and personal lines broker PHY Insurance Service – a new, London-based start-up – is likewise joining the partnership. Rounding up Movo’s new seven are Colin Halliday, previously a compliance officer and broker relationship director for system Ten Insurance; Scotland-based commercial broker Anderson Smith; Lancashire-based commercial broker Infina; Clipeus, a tech broker specialising in bespoke commodities for household brand names; and MNK Re Specialty, dealing with UK retail clients with global risks. The improvements bring Movo’s total number of AR members this year to 55 and a total GWP of £50m, a step is closer to its original target of 75 partners and £65m GWP by year-end. “It’s hugely exciting and rewarding to see so many independent brokers joining us,” said managing director Lea Cheesbrough. “The statement is getting out there that we are not like other networks. We’re committed to ensuring small independent brokers survive and thrive. For brokers looking for a way of growing their brokerage without selling out to the consolidators or giving up their hard-earned income for little value in return, we give them real options and ideal home.” Movo members retain 100% of commissions. Any profits generated by the network are reinvested for the benefit of the membership and the future of broking, furthering the partnership’s vision as the most cost-effective way to run a brokerage and encouraging new start-up brokers, replacing brokerages in the market being lost to M&A activity.

https://altaworld.tech/seven-new-ar-members-join-movo/

June 20, 2022 Toronto, June 20, 2022 – The Insurance Brokers Association of Canada (IBAC) is pleased to announce that SGI CANADA and its subsidiary company, Coachman Insurance, remain supportive of the Broker Identity Program (BIP) at the Full Partner level. The sponsorship from SGI CANADA will support IBAC’s Broker Identity Program (BIP), a national advertising campaign that raises awareness of the significant value that insurance brokers provide for their clients – choice, advice and advocacy. In addition, their investment will contribute to important IBAC initiatives including IBAC’s technology leadership, professional development of the broker workforce, and our strong and effective federal advocacy to maintain the separation of banking and insurance, which protects consumers and promotes a fair and competitive marketplace. “We are pleased to be a Full Partner of the BIP again this year ” says Paul Mlodzik, EVP and Chief Customer Officer of SGI CANADA. “As a company 100% committed to broker distribution, SGI knows the value of local knowledge and advice, and we are proud to support these initiatives.” “We greatly appreciate SGI CANADA’s renewed investment and the continuation of our long-standing partnership,” said IBAC CEO Peter Braid. “SGI’s business model of offering products exclusively through the broker channel is a strong vote of confidence in the important role of the insurance broker, and clearly demonstrates a deep commitment to customer service excellence,” About SGI CANADA and Coachman SGI CANADA offers competitive property and casualty insurance products in Saskatchewan, Alberta, Ontario, Manitoba and British Columbia, and also under the Coachman Insurance Company in Ontario. Visit www.sgicanada.ca for more information. Founded in 1921, the Insurance Brokers Association of Canada is the national voice of over 38,000 property and casualty insurance brokers, advocating for the interests of both insurance brokers and consumers to the Government of Canada. The Broker Identity Program (BIP) was launched in 1988 to promote the value and professionalism of the insurance broker to consumers, insurers and governments. For further information, please contact: Denys Bégin, Manager, Marketing & Communications Insurance Brokers Association of Canada 416-367-1831 ext. 160 or [email protected]

https://ibac.ca/sgi-canada-and-coachman-remain-a-full-partner-of-the-broker-identity-program-for-2022/

NEW YORK, Feb. 12, 2024 (GLOBE NEWSWIRE) -- WTW (NASDAQ: WTW), a leading global advisory, broking, and solutions company, today announced a co-brokerage arrangement with the Solomon Agency Corporation. Focusing on insurance brokerage, risk management and related services, the agreement is intended to align resources to deliver industry-leading brokerage support and customized insurance solutions to North American exposures of companies with Headquarters in South Korea and Vietnam. With the extensive brokerage experience that WTW’s Asia Risk Division brings to relationship, the Asian clients that Solomon Agency Corporation brings to the engagement will benefit from the market relationships that WTW maintains throughout the industry. Asian companies with specific needs in addressing risk management will now have the benefit of accessing the breadth of market and coverage options from WTW’s carrier relationships. With the co-brokerage agreement between both firms, the intent is to deliver optimal risk transfer services and solutions to the unique exposure needs of clients with operations and risks in markets including South Korea, Vietnam, and other parts of Asia Pacific. One of the primary advantages of this partnership is aligning the value of CRB NA’s North American Industry Vertical Divisions (IVDs) with the brokerage team at the Solomon Agency. The Agency now has the opportunity to deliver expertise and IVD industry knowledge to Solomon’s clients throughout South Korea and Vietnam. Chris Condello, Head of the Asia Risk Division, Corporate Risk & Broking (CRB), North America at WTW, commented, “This partnership allows both brokerage firms to align in an effort to deliver the best risk management solutions to our Asian clients. Through the extensive experience and market relationships that both the Solomon Agency and WTW maintain within the industry, we can align our resources to deliver the very best insurance programs and risk solutions to our Asian clients. I look forward to deepening our partnership and providing optimal insurance solutions to our Asian customers.” Michael Chang, Head of Corporate Risk & Broking (CRB), North America, at WTW, added, “Bringing the deep industry knowledge of our IVDs throughout North America to Solomon’s Asian client base is a natural progression of CRB NA to serving their Asian client base. This new partnership bolsters our Asian growth strategy to bring expertise towards serving the needs of companies throughout Asia. I am proud to continue investing in our Asian expansion strategy, and this alliance with the Solomon Agency Corporation is a clear demonstration of our investment in Asia. This co-brokerage agreement reinforces WTW’s commitment to Asia within the US marketplace, initiated with the creation of the Asia Risk Division in July of 2023.” At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help organizations sharpen their strategy, enhance organizational resilience, motivate their workforce and maximize performance. Working shoulder to shoulder with our clients, we uncover opportunities for sustainable success—and provide perspective that moves you. Learn more at wtwco.com. [email protected] +1 (516) 972 0380 [email protected] +1 (718) 208-0474

https://pr.cottonwoodheightsjournal.com/article/WTW-enters-co-brokerage-agreement-with-the-Solomon-Agency-Corporation?storyId=65ca22f8ab492baec0f2d3aa

No matter the size or severity of the fire, Envista's goal is to provide a high-quality and seamless investigation from the initial site inspection, through the claims process, evidence handling, and any potential subrogation or litigation support necessary. Having investigated thousands of fires over the years, Envista fire experts can help perform origin and cause investigations to determine where and how the fire truly started. Our CFI, CFEI, and CFVI certified professional fire investigators have been involved with local police departments, fire departments, the ATF, IAAI, and other organizations over the years to become some of the best fire origin and cause experts out there. Fire Origin and Cause Expertise Our multi-disciplinary team has worked on massive origin and cause investigations, from multi-million-dollar cases to $500 million cases, at manufacturing facilities, warehouses, power production, refineries, and more. From loss of life to loss of business, we've been there for our clients, and their clients, through the worst of times. Our fire experts can assist you with: - Vehicle and heavy equipment fire investigation - Marine fire investigation - Fire and explosion - Fraud related fire investigation - Major and complex losses Our team's experience and expertise in forensic fire investigation is broad and covers several areas including: - Origin and cause - Examination of complex products - Investigation of process plant fires - Dust explosions (coal, grain dust, etc.) - Natural gas explosions - Spontaneous ignition - Pyrophoric materials In addition to our fire investigation expertise, our experts have years of litigation experience if the fire leads to subrogation or a lawsuit. Envista can equip you with an experienced investigator from the start to make sure you know the true origin and cause when one can be determined. Did you know? The Coalition Against Insurance Fraud estimates the cost of fraudulent insurance claims to exceed $80 billion every year. If insurance fraud were its own industry, it would rank 17th among the Fortune 500 in yearly income.

https://www.envistaforensics.com/services/fire-origin-and-cause/fire-investigation/

Share these talks and lectures with your colleaguesInvite colleagues Business Continuity and Risk ManagementPrinciples, practices and developments Iona College, USA Disasters and disruptive events can challenge an organization's viability. Numerous recent events have led to a heightened awareness of the need to be prepared for the worst. The objective of the Business Continuity and Risk Management series of talks is to provide a professional and scholarly venue in the critical... read morefield of business continuity and risk management with particular emphasis on decision making using a holistic approach. The growing body of knowledge of research, practical methods, theories and experiences is vital to lead an organization in the process of systematic decisions to protect people, assets and operations and to ensure the survivability of an organization from disaster. A broad spectrum of threats, vulnerabilities and risks are addressed and the most useful strategies and plans to prevent and mitigate disaster are presented. Because business continuity and risk management often deals with events that are improbable, analyzing these risks is challenging. Risks come in many varieties, and with this awareness there is a growing concern and concomitant effort for organizations to respond to the challenge. Organizational resiliency can be accomplished through an effective program in business continuity and risk management based on an understanding of risk methodologies and technologies.

https://hstalks.com/playlist/612/business-continuity-and-risk-management/

Mike Skinner, owner and founder, was born in San Francisco, raised in the Bay Area and graduated from Santa Clara University. Mike has been in the insurance business since 1968 and has been leading MG Skinner since its foundation in 1979. An avid sports fan, he has devoted much of his time to coaching, working with kids, and providing mentorship. He also serves as Chairman of the Board on the Palisades Community Center Committee and the Palisades Park Advisory Board, and was Pacific Palisades’ Citizen of the Year in 2003 for Outstanding Service to the Community. In 2006, he and his wife Carey established Skinner Vineyards and Winery in the Sierra Foothills, in pursuit of re-establishing a 150-year-old family legacy in winemaking. Ryan serves as Vice President of MG Skinner & Associates. Born and raised in Los Angeles, CA, Ryan played quarterback at Brigham Young University and graduated with a degree in Business Management from the Marriott School. Upon graduation, Ryan spent two years with Sotheby’s International Realty, specializing in residential income properties. In 2005, he joined MG Skinner, where he handles operations, management and marketing, solidifying its place as an industry leader well into the future. Recently, he served as Chairman of the Greenwich Group, an international organization of independent insurance brokers. Director of Compliance and Special Risk Gus Gallup joined MG Skinner in 2007 after an extensive career in insurance beginning in 1978. A graduate of the University of South Florida, Gus has experience on both the company and brokerage sides of the business and has succeeded in a variety of positions including underwriting, sales, risk management and senior management with a number of large national firms A Senior Vice President at Swett & Crawford by 1987, Gus developed their most profitable branch office in the nation and was also named Broker of the Year. He then was hired to manage the largest office of Alexander Howden, overseeing a team of 45 and successfully launching a National Utility Practice. A final move to Utility Management Insurance Services, saw him market and manage a Risk Purchasing Group for electric, gas and water utility industries from 1994-2002. With a wealth of experience and success under his belt, Gus finally launched a consulting firm, specializing in the formation of Captives, Risk Purchasing Groups and alternative insurance vehicles before being brought on by MG Skinner. Director of Programs Administration Bio coming soon. Director of HR Bio coming soon Director of Sales, Community Assoc. Joe is a former collegiate golfer and graduate of the University of Southern California. He has been a committed insurance professional since 1982, gaining experience at Jardine Emmitt & Chandler, Alexander & Alexander, IHG and finally AON, before joining MG Skinner in 2001. At first an Account Executive, Joe’s role expanded to service and develop relationships with newly formed broker partners as MG Skinner began to augment it’s traditional distribution channels. In 2007, Joe introduced Ian Graham to Mike Skinner in what would be first step in forming Graham West Insurance Services, and an eventual nearly $20 million book of D&O and Crime business. Since it’s founding, Joe has provided promotional and service support to this program in addition to being a minority partner. He now works to round out the existing community association clients with Property, Liability and Umbrella coverage. Director of Sales, Multi-Family John was born and raised in Cleveland, OH and graduated from the Goizueta Business School at Emory University with a Bachelors in Business Administration. Also playing baseball while at Emory, John pursued a career as a professional player before turning to his business acumen. In 2016 he moved into the insurance industry, joining MG Skinner and tasked to increase penetration of Skinner Select products throughout the existing strategic partner base. He has been instrumental in expanding and increasing the profitability of those relationships, while proactively prospecting to seek out new opportunities to drive growth. Director of Risk Management and Claims Yvonne joined MG Skinner in 1998, after serving as the Director of Risk Management with AppleOne Employment Services, the nation’s largest, privately-held employment agency – who still remains a client today. Yvonne has worked in the insurance loss prevention service industry for over 30 years and has extensive knowledge in claims and risk management in all commercial lines including Property, General Liability, Employer’s Liability, Workers’ Compensation and Unemployment Insurance. Yvonne oversees the Risk Management and Claims department, as well as manage the Workers Compensation and alternative risk programs for our largest and most-seasoned accounts. She recently completed an upgrade of the claims platform, leveraging historical data to guide current and future risk management initiatives. Senior Client Manager Senior Client Manager

https://mgskinner.com/team/

Propel provides innovative insurance solutions to thousands of companies across the country. We make it our business to know your world inside and out. Propel Insurance, An Alera Group Company, welcomes Michelle Mabry to our National Senior Care Practice as a Client Executive. Michelle joins Propel, bringing 20 years of insurance experience with a focus on the healthcare industry for the past 12 years. Michelle joins the Senior Care team, which provides deep experience working with nationwide senior care insureds. When asked about her new role, Michelle shares, “I am dedicated to my clients, who become like extended family members. I joined Propel because we share the same passion for helping them confidently understand and address their risks.” Brandon Adams, Director of Senior Care West in Portland, OR, notes, “Michelle brings an enormous amount of experience and passion to our Senior Care Practice, which allows us to continue our dedication within the Senior Care Industry. We are ecstatic with another key addition to our growing team.” Michelle lives in Denver, CO, and enjoys spending time with her husband, Nick, and their two kids: Grayson (7) and Stella (5). About Propel Insurance For almost 100 years, Propel Insurance (www.propelinsurance.com), An Alera Group company, has earned a reputation for helping companies reach their potential, providing innovative insurance solutions, risk consulting, workers’ comp cost containment, and employee benefits to thousands of businesses and individuals. Propel Insurance is one of the nation’s largest private insurance agencies.

https://www.propelinsurance.com/propel-insurance-welcomes-michelle-mabry/

Insurance for interior designers Who needs interior designer insurance? If you have an interior design or home decorating business, you're used to transformative before and afters. You’re likely busy working with clients, contractors and other designers. A lot of work occurs in clients' homes, business offices and even retail spaces. And, creating new or improved living and office spaces can include all kinds of fabrics, flooring, lighting and furniture. With your artistic vision and attention to detail, you also want to avoid common risks. An example is an unstable scaffold that collapses and damages an expensive piece of furniture in a client’s home or office. The client might sue for damages and even a single negative review can harm your stellar reputation. However, your insurance policy is there to protect you when things go wrong. Insurance can cover risks like these: • Damage to your clients’ property. • Using incorrect materials or making incorrect measurements. • An on-the-job slip, trip or accident. • Cyber breaches that expose client data. • Failure to complete projects within budget or on time. • Professional negligence or bad advice. • Weather-related damage, vandalism or theft. Reducing risks and losses can help you stay focused on growing your business. And, Hiscox can provide specialized insurance coverage as your business evolves. Other design and construction professions we insure Types of interior designer insurance policies available Why do interior design professionals choose Hiscox? At Hiscox, we know there are a host of challenges your business faces every day. Maybe you’re a new designer or you are adding more services to gain leverage. Our small business insurance policies help take the stress out of business ownership. There are fewer risks to concern yourself with. Here's why businesses choose Hiscox interior design insurance: - Claims responsiveness: Helpful agents are ready to assist with your covered claims. - Commitment to service: We have a 4.7/5 customer service rating. - Coverage for contracts: Our coverage satisfies most standard contract insurance requirements. - Custom insurance: We can customize policies specific to your risk factors. And, we work with businesses like yours every day. - Flexible payment options: We offer annual or monthly payment plans with no added fees. - Worldwide coverage: Have global locations? We cover work anywhere in the world, as long as you file your claim in the U.S., a U.S. Territory or Canada. Get a fast, free quote now and get that Hiscox confidence behind your beauty business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET. This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

https://www.hiscox.com/small-business-insurance/professional-business-insurance/interior-designer-insurance

Commercial auto insurance, which includes trucking, lost money in 2020. And yet a new report by insurance rating and benchmark company AM Best still declared last year’s performance as “the best underwriting results” in several years. Improved performance was recorded “across a number of key metrics, although the line still incurred an underwriting loss overall,” Best wrote in a recently released report. But the report noted that the improvement last year was driven in part by the sharp drop in the number of cars on the road. That decline “finally moved the needle substantially in 2020.” Commercial auto insurance includes a wide range of coverage, including trucks. It has been a poor performer for several years, and the woes it faces were summed up in AM Best’s inclusion of this number from the Council of Insurance Agents and Brokers: Pricing for commercial auto insurance has been increased for 40 consecutive quarters, starting with the third quarter of 2011. But from 2011 to 2020, commercial auto underwriters have recorded more than $22 billion in underwriting losses. The second quarter of 2021 had average increases of 6.8%. That was well down from the range of 9% to 11% recorded between the third quarter of 2019 and the first quarter of 2021. There is almost nothing in the report that buyers of commercial auto insurance would find comforting. “Despite more conservative pricing throughout the majority of the previous decade, commercial auto results have not yet shown sustained improvement — which demonstrates both the depth of line’s rate/price inadequacy, as well as the fact that increases in loss costs continue to outpace the increases in pricing and insurers’ gradual corrective underwriting actions,” the AM Best report said. “AM Best expects prices to continue to increase significantly over the near term,” it added. And the increases won’t be consistent across the board, AM Best said. An insured entity with a large fleet or a “poor loss history” will likely be hit with bigger increases. AM Best’s report has multiple charts. One shows the top 20 insurers in the commercial auto insurance business. Progressive Insurance is easily the biggest, with a 2020 market share of 12.7%. That is more than twice the next largest insurer on the list, Travelers Group, which had a 6.2% share last year. The top 5 are rounded out by Old Republic Insurance, Liberty Mutual and Nationwide. At its most basic definition, a net combined ratio less than 100 means profits are being earned; above 100, losses are being incurred. Progressive is not only the largest underwriter, it has some of the best metrics. Of the top 20 insurers on the list, Progressive’s net combined ratio, considered a benchmark for performance, was consistently under 100% between 2016 and 2020. In the latest three years — 2018 to 2020 — it was better than 90%. Of the other 19 companies on the list, there were only 16 instances out of a pool of 95 in which a company posted a net combined ratio better than 100%. Given the difficult years the industry has undergone, AM Best expects the list of providers to shrink. The report cited just five insurers as having produced profitable commercial auto underwriting in 2020 and doing so at a rate that was better than their overall performance for property and casualty underwriting: Progressive, Chubb, Cincinnati, Erie Insurance Group, and Tokio Marine. Why is this industry doing so poorly? AM Best cited a list of reasons that have caused a decade of unprofitability, including a tight market for drivers that result in people behind the wheel who “often lack training and have fewer years of experience, increasing the likelihood of accidents’; more delivery drivers for e-commerce, including some companies that hired delivery drivers for the first time because of the pandemic; distracted drivers; an increase in vehicles on the road in 2021; the higher cost of fixing more technologically advanced vehicles; legalization of cannabis; and “litigation trends,” which has been beset by third-party financing. That trend, in which a party finances a lawsuit in return for a share of an award, “has allowed more attorneys to offer services at no cost to plaintiffs and may be contributing to the increase in claims with attorney representation,” the report said. “With claimants feeling less pressured to resolve their claims quickly, we expect to see legal trends reemerge as a source of pressure on claim severity,” AM Best added. More articles by John Kingston Vehicle insurance report paints grim picture for industry rates 7 new indictments handed down in Louisiana stage accident scam Billion-dollar lawyer speaks; here’s what happened in tragic Florida wreck

https://soknacki2014.com/commercial-vehicle-insurance-markets-went-from-bad-to-less-bad-am-best.html

A two-storey building fire in Johannesburg's central business district (CBD) resulted in the deaths of two people on Sunday morning. Nana Radebe-Kgiba, spokesperson for Johannesburg Emergency Management Services (EMS), said rescue operations were still underway. "Two people were found dead as search and rescue operations continue at the building fire. City of Joburg EMS received a call about a residential building fire at Commissioner and Nugget streets in the CBD," said Radebe-Kgiba. During the fire, two people jumped from the second floor, and a further three were rescued from the building's balcony. "The fire spread very quickly, affecting different levels of the building because of the combustible materials used. EMS will conduct preliminary investigations to determine the cause of the fire after firefighting operations are done," Radebe-Kgiba said. A further four people were injured and transported to medical facilities for treatment. In a separate incident, South African National Parks (SANParks) reported an increase in fire incidents in January, leading to suspicions that the three major fires in Cape Town were started with malicious intent. From January 1 to January 18, a total of 22 fires were reported. The Table Mountain National Park (TMNP) has raised concerns, noting a pattern emerging with most recent fires occurring in the southern section of TMNP, namely in the Kalk Bay, Ocean View, and Redhill areas, as well as in the north of the park, in the Signal Hill and Pipe Track areas.

https://www.iol.co.za/news/environment/people-jump-from-joburg-residential-building-as-raging-fire-kills-two-in-cbd-78328ec0-7668-4030-afc1-0bfc7e5b3c2f

Directors and Officers Insurance, in another word, D&O Insurance is a form of Business Insurance that is designed to protect the directors and officers in certain liability claims while they are serving the board. D&O coverage includes directors and officers' spouses against claims by employees, competitors, investors, and customers. The Directors' and Officers' Insurance primarily protects the company from financial risks such as legal fees, settlements, and judgments, which are costly to cover out of pocket. In the Director's and Officers' Insurance policy, there are clauses which are called Side A - non-indemnified, Side B - indemnified, and Side C - entity coverage. In most states, compensating directors and officers are generally allowed; however, there are some circumstances that an insurance provider may decide to compensate or not compensate claims. Side A coverage is used to ensure that D&O policy will provide coverage for defense costs and settlements against directors and officers that an insurance provider may not repay. Also referred to as Corporate Reimbursement coverage, which provides reimburse the corporation or organization for the expenses used in defending its administration in certain. The insurance provider will cover all the legal expenses and settlements on behalf of the insured. It provides coverage that protects the listed corporate companies against claims from their own liability. In buying Directors and Officers' Insurance policy, it is essential to review all details before signing in an agreement to understand the coverage and exclusions in your policy. Directors and Officers insurance also have exclusions listed in the policy. Below are some of the essential circumstances which are beyond the Director's and Officer's coverage. Officers D&O Liability Insurance primarily covers claims, some aspects of the claim may not be covered by the policy. Basically, the policy will cover you and defend your interest up to the policy limit. Directors and Officers Liability Insurance provides protection for company executives from various types of claims that may arise. Here are some types of claims that D & O Insurance cover: It is the most common type of lawsuit filed against a director or an officer. An employee can decide to file a lawsuit if he or she may have been mistreated in the company. Here are the following claims that an employee can file against you: If a customer believes your company did not provide enough or proper service, he or may decide to file a complaint. The customer may file the following claims: Investors may file lawsuits for damages that arise in case directors or officers fail to perform their duties. If investors are dissatisfied with the results of the management decisions, they may file the following claims: Competitor claims may arise when the directors or officers of your company are involved in wrongful acts that damaged the competitor's firm. Common claims include the following: There may be times wherein government or regulatory agencies will conduct an investigation to corporations. Regulator claims can come up if wrongful activities are found in your company or you fail to comply with the established laws or regulations. From investors to the scope of business operations, every firm is different. Each area of a business is affected by the decisions and actions of the directors or officers. That is why selecting the level of your liability coverage is not that simple. Typically, larger and highly developed companies have higher possibilities of risks. Moreover, employees,investors, and executives are all exposed in the association of occupying management positions. Therefore, directors and officers will need to choose the right level of their coverage based on the specific situations of their company. Generally, directors and officers need to analyze their company's ability to fulfill its indemnification commitments. This is because any shortcomings without the protection of insurance will leave the company vulnerable. If a business is about to become bankrupt and the indemnification is not available, the executives of the company need to make sure that the limit of liability is enough when claims arise. Companies functioning within unstable and disputable industries have to consider setting policy limits that are high enough to compensate when the worst happens. The executives also need to apply wise strategies in their deductibles. Overall, the firm's financial capacities and resilience to risk helps determine the reasonable level of Directors and officers liability coverage. If a company aims to take merger and acquisitions as well as raise capitals, the executives must keep in mind that these are high risk activities. The directors and officers will then need to acquire for higher limits. Making changes or decisions on behalf of your company is a tough job as a director and officer. It may lead your company to certain types of claims. Every worker can make mistakes; however, as a director, it is your responsibility if your company will face significant risks caused by your leadership. Buying Directors' and Officers' Insurance policy is the best way to protect yourself from certain liability risks.

https://www.insurehopper.com/director-and-officers

Volante Global continue to operate during these difficult times. If you are experiencing financial difficulty and are struggling to pay your premium, or wish to discuss the potential impact of COVID-19 on your insurance arrangements, then please contact your broker or Volante directly on [email protected]. We want to help you. Affinity Solutions policies are underwritten by Liberty Mutual Insurance Europe SE (a Liberty Specialty Markets company). If you have purchased an Affinity Solutions policy, please click here for further information about the litigation being pursued by the FCA on behalf of policyholders in relation to UK non-damage business interruption insurance policies, and whether your claim might be affected. Insurance solutions providing protection over and above the primary liability for Directors and Officers, Employment Practices, or Fiduciary Liability. VSR and VGL Underwriting Manager Gundeep joins Volante as our VSR and VGL Underwriting Manager. He graduated from California State University of Fresno with a Bachelor of Science in Criminology following which he became the youngest Deputy to be promoted to a contracted solo town at the Fresno County Police Department. During this time, Gundeep simultaneously founded Chahal Freightway, a trucking company with projected annual revenues of over USD 3m. Gundeep is based in Fresno, California, establishing VSR’s office on the west coast and his role will span responsibilities across VSR, VIL and VGL. With over 35 years of experience in finance, insurance, and technology, Paul is a visionary leader and entrepreneur who has founded and led several successful companies in the USA across diverse sectors. Paul’s core competencies include insurance underwriting, new business development, custom relationship management, social networking, financial analysis and regulatory compliance. He has a proven track record of creating and managing Lloyds of London and domestic insurance company programs as an underwriter and broker, developing web-based payment processing and check scanning software as a technology pioneer, and designing high-end websites and eCommerce platforms as a digital agency owner. He is passionate about finding and solving problems, creating value, and building lasting relationships in the insurance and fintech industry. Paul is excited about Volante Nashville becoming a national leader in the SME financial institution and private company marketplace for professional liability and crime coverage solutions.

https://volanteglobal.com/products/management-liability/

Hub International Ltd has acquired Hometown Insurance Brokers, a Vonda, Saskatchewan-based full-service insurance brokerage. Terms weren’t disclosed for the deal, which will see business owners Garth Wruck and Denise Wruck join Hub Manitoba. Founded in 1977, Hometown offers personal and commercial insurance solutions, including crop hail insurance. Hub, a Chicago-based full-service insurance company, was bought in 2013 by U.S. private equity firm Hellman & Friedman (H&F) for about US$4.4 billion. Hub International Acquires Saskatchewan-Based Hometown Insurance Brokers CHICAGO, Sept. 11, 2018 /CNW/ — Hub International Limited (Hub), a leading global insurance brokerage, announced today that it has acquired Frontier Business Centre Ltd. o/a Hometown Insurance Brokers (Hometown Insurance). Terms of the transaction were not disclosed. Hometown Insurance is a full service, independent insurance brokerage headquartered in Vonda, Saskatchewan. Hometown offers personal and commercial insurance solutions, including crop hail insurance, which supports Hub’s recent launch of its Specialty practices by complementing and strengthening Hub’s existing solutions. Garth and Denise Wruck, owners of Hometown Insurance, will join Hub Manitoba. Mr. Wruck will report to Doug Trapp, Vice President of Sales Saskatchewan, and Mrs. Wruck will report to Danah White, Vice President for Saskatchewan Operations. About Hub’s M&A Activities Hub International Limited is committed to growing organically and through acquisitions to expand its geographic footprint and strengthen industry and product expertise. For more information on the Hub M&A experience, visit WeAreHub.com. About Hub International Headquartered in Chicago, Illinois, Hub International Limited (Hub) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, Hub’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit hubinternational.com. Media: Marni Gordon M&A: Clark Wormer

https://www.pehub.com/hfs-hub-international-buys-hometown-insurance-brokers/

What is electronic equipment insurance and how is it different to machinery breakdown? Many small to medium businesses across Australia have the need to insure the equipment they use on a daily basis that generates their revenue under the sections provided in their business insurance, but what piece of equipment should be insured under what policy section? Many medical practices across Australia have the need to insure the equipment they use on a daily basis that generates their revenue under the sections provided in their practice insurance, but what piece of equipment should be insured under what policy section? With each insurer offering different versions of cover – some even combining the electronic equipment and machinery breakdown – it can be confusing, and it’s important to understand the differences in coverage in each policy section and where your equipment should be insured. What does electronic equipment breakdown cover? One insurer, as an example, defines the breakdown of electronic equipment as: The actual breaking, distortion or electrical burnout of any item of electronic equipment or part thereof whilst in use at an insured location, causing stoppage of its normal function and requiring its repair or replacement before normal operating conditions prevail. The insurer goes on to specify what electronic equipment is: Electronic equipment means: 1. Electronic data processing equipment; 2. Telecommunication transmission and receiving equipment; 3. Lighting facilities, audio visual, amplification and surveillance equipment; 4. Any electronic machine, device or instrument used for research, diagnosis or medical treatment; and 5. Office machines owned by you or for which you are legally liable. Alternatively, machinery breakdown is defined as: The actual failure, distortion, breaking or burning out of any part of a machine whilst in use, arising from either mechanical or electrical defects in the machinery or failure or fluctuation of the electricity supply causing sudden stoppage of the functions thereof and necessitating repair or replacement before it can resume working. It will not include within its meaning damage from any extraneous cause. The insurer then provides a broad definition of what classifies as machinery and plant: Machinery and plant means any: 1. Boiler, fired pressure vessel, unfired pressure vessel normally subject to vacuum or internal pressure other than weight of its content, refrigerating and air conditioning vessels, including metal piping and accessory equipment connected thereto; and 2. Mechanical or electrical machine apparatus used for the generation, transmission or utilisation of mechanical or electrical power. As you can see, the definitions and what is required to be covered under each section can be confusing. iMed Insurance can assist in identifying the risk that your company equipment carries and how best to alleviate that risk via the appropriate insurance program.

https://www.imedinsurance.com.au/blog/what-is-electronic-equipment-insurance

SACRAMENTO, Calif.–(Business enterprise WIRE)–Could 10, 2022– Inszone Insurance plan Companies, a promptly expanding, nationwide supplier of rewards, own and business strains coverage, announced nowadays the acquisition of Trucking Insurance policy & Accounting. Began in Arizona in 2019 by Jose Olivares, Trucking Insurance policies & Accounting was established with the frame of mind of supporting truckers to come across the best coverages at reasonably priced rates. They grew very promptly, producing small business is 4 states in fewer than 2 decades. Trucking Insurance policy & Accounting had a distinctive expertise for assisting their clients. Their strategy for retaining purchasers was to provide the very best assistance achievable. The changeover to the Inszone model will allow that devotion to keep on when maximizing the good quality and aid that the truckers want to go on performing what they do most effective: manage the highway and maintain the source chain energetic. “Trucking Insurance policies & Accounting furnished additional than just insurance policy to the trucking market, they presented a committed resource holding their best fascination in brain,” said Norm Hudson, CEO of Inszone Insurance policies. “We search forward to continuing that same worth to the industry, when also staying capable to offer more resources via the energy of having a more substantial company to back again you.” Inszone Insurance policies is predicted to announce many acquisitions as effectively as new destinations in the future months. About Inszone: Launched in 2002 and headquartered in Sacramento, California, Inszone is a total-support insurance coverage brokerage firm which delivers a broad array of assets & casualty coverage, alongside with employee benefits remedies. With a robust, experienced administration team, Inszone carries on to mature organically, as nicely as by acquisitions. With 26 locations throughout California, Arizona, Nevada, Utah, Colorado, Missouri, Texas and Illinois, the enterprise is seeking to even further expand during the United States. For additional data about Inszone, make sure you go to www.inszoneinsurance.com View supply edition on businesswire.com:https://www.businesswire.com/information/home/20220510006198/en/ Make contact with: Inszone Insurance policies Norm Hudson – CEO Key word: UNITED STATES NORTH The united states CALIFORNIA Business Search term: Insurance policy Qualified Providers Source: Inszone Insurance policies Services Copyright Business Wire 2022. PUB: 05/10/2022 02:00 PM/DISC: 05/10/2022 02:02 PM Copyright Business enterprise Wire 2022.

https://ymlp207.net/inszone-insurance-services-completes-acquisition-of-trucking-insurance-accounting-national-business.html

February 6, 2024 Accident Fund Holdings Named 2014 Best Places to Work September 5, 2014 Lansing, Mich. – Accident Fund Holdings, Inc. has been named to Business Insurance magazine’s list of Best Places to Work in Insurance in 2014. The award recognizes Accident Fund Holdings, and its four brands (Accident Fund, United Heartland, CompWest, and Third Coast Underwriters) for being one of the best employers in the insurance industry. “We are excited to have our Enterprise recognized by Business Insurance as one of the best places to work in insurance,” said Liz Haar, president and CEO of Accident Fund Holdings. “As we celebrate another year on the best places list, I believe our strategies have positioned us to provide a customer experience that is the gold standard in the industry, and I am proud of our outstanding team that makes this happen every day.” The prestigious Best Places to Work in Insurance program is a joint effort of Business Insurance and Best Companies Group. Its two-part assessment process recognizes companies that have created high-quality workplaces in which employees can thrive and enjoy doing so. One part, responsible for 75 percent of a company’s score, involved a confidential employee engagement and satisfaction survey, which was used to evaluate employees’ workplace experience and the company’s culture. The second part consisted of an employer questionnaire, which collected information about each company’s benefit programs, policies, and practices. The final report and rankings will be unveiled in the Sept. 29 issue of Business Insurance. October 23, 2023 October 17, 2023

https://www.accidentfund.com/news/accident-fund-holdings-named-2014-best-places-to-work/

Actuaries at Inform have experience in personal and commercial insurance, reinsurance, and the brokerage industry. This diverse background allows us to tackle almost any project. Our expertise ranges from the traditional lines of insurance – workers’ compensation, auto, and general liability, to the unique – medical malpractice, construction defect, and warranty. Our services include: Evaluation of Liabilities – We offer loss reserve analysis and statements of actuarial opinion to assist clients in establishing proper liabilities for their financial statements. For each project, our consultants take into account socio-economic trends, operational changes, and legislative reform that may impact the reserves. Pricing and Funding Support – We assist insurance companies in determining fair and reasonable prices for their products and develop loss forecasts for self-insured organizations to use in the planning and budgeting process. Our team has experience with filing rates in almost every jurisdiction and has worked with self-insured entities from a variety of industries. Reinsurance and Retention Analysis – Our analysis of loss activity by layer can prove invaluable to insurers making decisions about reinsurance programs and to self-insured organizations deciding on appropriate retention levels. We rely on both company-specific and industry loss experience to estimate expected costs. Having access to a wide range of insurance industry statistics allows us to compare client’s expenses, losses, and other claim statistics to broader industry standards. Benchmarking studies can highlight areas for improvement and assist companies in developing future risk management strategies. Other Services – - Expert Testimony and Litigation-Related Consulting - Cash Flow and Net Present Value Analysis - Premium and Loss Allocation Models - Market Research & Competitive Analysis We offer actuarial services to a variety of groups including: Self-Insured Organizations – Inform provides a full range of actuarial services to self-insured organizations such as corporations, private companies, healthcare facilities, and governmental entities. Having served numerous self-insured clients while working in the brokerage industry, Inform’s consultants have developed specific reports that address the unique requirements of these organizations. From accruals and allocation models, to retention analysis and funding projections, the actuaries at Inform have the knowledge and experience to meet all your actuarial needs. Insurance Companies – The consultants at Inform Actuarial Consulting have backgrounds in personal lines, commercial lines, and reinsurance. In addition to the traditional actuarial tasks of pricing and reserving, Inform can assist insurers with market research, competitive analysis, and reinsurance program design. The actuaries at Inform meet the NAIC’s qualification standards for issuing Statements of Actuarial Opinion, and have also filed rates for various lines of insurance in almost every jurisdiction. Captives and Risk Retention Groups – Inform’s team of consultants has assisted several companies in the formation and administration of captives and risk retention groups. We supply potential captives or risk retention groups with loss forecasts prior to formation, and offer loss reserve studies and reserve opinions once the entity has started writing business. Our actuaries meet the requirements necessary to evaluate reserves in all major captive domiciles. Having worked in the Risk Management department of a large national broker, the Inform team understands the tools brokers need to attract and retain large national accounts. Our consultants provide expertise with loss forecasting, retention analysis, collateral analysis, benchmarking studies, and cash flow modeling. Whether you choose to work with us on a project basis, or seek our assistance in developing your own proprietary models, we deliver solutions to help you stay ahead of the competition. Accounting Firms – When reviewing the financial statements of insurance company and self-insured clients, auditors frequently require the services of actuaries to examine premium and loss reserves. Inform has worked with the Big Four and several other accounting firms during the audit process to assist in these evaluations. Our reports contain considerable documentation and are explained in plain English so the audit team can be assured liabilities have been established using generally accepted actuarial principles. Insurance Departments – Regulators seek sound, objective advice to evaluate companies doing business in their state. Inform provides state insurance departments with loss reserve analysis in conjunction with the financial examination process and rate reviews as part of the state’s regulation of rates. If needed, the actuaries at Inform can also deliver expert testimony to support insurance departments in either of these two areas. Mergers and Acquisitions – Inform’s actuaries have worked with several large private equity groups and other companies to provide insight during the due diligence phase for mergers and acquisitions. Our evaluation of liabilities plays a critical role in determining the value of insurance companies and other organizations that retain significant loss reserves. We know that timing is critical for potential mergers or acquisitions, and tailor our services to meet the specific time constraints of each deal.

https://informactuaries.com/services-industries/

Pryce, Willett Promoted by Union Mutual March 13, 2019 MONTPELIER – Jeffrey S. Pryce and Emile F. Willett were recently promoted by Union Mutual, the Company’s President and CEO Michael W. Nobles announced. Jeff was elevated to Assistant Vice President, Claims, and Emile was promoted to Assistant Vice President, Underwriting and Product Development. “Our Companies and independent agency partners have experienced tremendous growth over the last few years and I am thrilled that we are able to recognize the efforts of our dedicated staff through continued expansion of their roles and responsibilities,” Nobles said. The promotions of Pryce and Willett were effective March 1, 2019. Both are based in the Company’s Montpelier, Vermont office. Jeff joined the Companies in 2014 and was most recently the Director of Underwriting and Loss Control. Emile joined the Companies in 2017 and was most recently the Assistant Vice President, Marketing and Product Development. Union Mutual of Vermont Companies, founded in 1874, is a property casualty insurance group consisting of Union Mutual Fire Insurance and New England Guaranty Insurance Company Inc., both based in Montpelier, Vermont; Eastern Mutual Insurance Company, based in Greenville, New York; and Community Mutual Insurance Company, based in Troy, New York. The four companies write a total of $187 million in direct premium annually through independent agents throughout New England and New York, and are all rated A-(Excellent) with a Positive Outlook by A.M. Best.

https://www.unionmutual.com/news/pryce-willett-promoted-by-union-mutual/

Underserved Agent & Loss Adjuster Training Program Pilot INCREASING THE IMPACT OF CROP INSURANCE BY ENGAGING COMMUNITY MEMBERS DIRECTLY USDA's RMA and IAC seek to engage with underserved agricultural communities through recruiting, training, and establishing crop insurance agents and loss adjusters. Strategic engagement with minority-serving institutions and underserved stakeholder groups will establish a pipeline of crop insurance agents and adjusters. As a result, our goal is to increase the representation of insurance agents and loss adjusters providing service to underserved communities. Building Resiliency is a collaborative pilot program. Joining forces with our partners—Rural Coalition, Annie’s Project, and Alcorn State University—enhances delivery efforts and ensures a lasting effect across the crop insurance sector to deliver available risk management options. Diversity and representation are lacking in the number of insurance agents and loss adjusters Non-utilization of agriculture insurance products beneficial to underserved agriculture communities Need for increased risk mitigation education and outreach to underserved producers Building Resiliency Solution Target audience of existing agriculture producers, young professionals, and agriculture organizations Applicants will gain education, certification, and potential placement with an agency to start work immediately Insurance agents and loss adjusters that serve within their communities Emphasis on the value of including people from various social and ethnic backgrounds in the crop insurance industry

https://www.indianag.org/building-resiliency-crop-insurance

Physical Damage Insurance for Vaccines from Maksure After a year of uncertainty, millions of doses of the Pfizer/BioNTech, Oxford/ AstraZeneca and Moderna Covid-19 vaccines have now been approved and manufactured, and with recent analysis indicating 95% efficacy, ready to be deployed, distributed and administered. Maksure Risk Solutions has partnered with leading London Market Cargo Insurers to support the cold chain supply system in developing a Physical Damage insurance policy addressing the specific and critical risk issues for vaccines in transit or storage including: - Fire, collision, overturning and theft whilst in transit; - Power failure, breakdown of refrigeration and theft whilst in store. The complexity of distributing vaccines in Africa is unique and requires a specialist broker that understands that landscape. Maksure Risk Solutions is at the forefront in establishing a “Stock-throughput” programme, with large limits available upon request and policy wording designed specifically to protect valuable vaccines ensuring the safety, respect and security of the global population. For more information regarding the Vaccine Transit Policy, contact our Elizabeth Mpofu on Tel +27 11 805 0086 or WhatsApp +44 73 9885 7206 or Email: [email protected] About Maksure Risk Solutions Maksure Risk Solutions is an Afro-Global independent specialist insurance and reinsurance broker with business footprint in Africa, Asia, East & Western Europe, South America and the Caribbean. We provide innovative and tailor-made risk solutions in Insurance and Reinsurance as well as Risk Financing and Actuarial Consulting geared towards capital management and strengthening our client’s balance sheet. Maksure is also one of the major players in Captive Management (Establishment & Management) in South Africa, Mauritius, Bermuda and various other jurisdictions. We have access into the Lloyds of London with a deep understanding of African markets. Our global nature ensures that our clients access quality capacity as well as some of the world’s latest thinking and solutions.

https://www.maksure.co.za/physical-damage-insurance-for-vaccines-from-maksure/

Qatar Insurance Company (QIC) has been named ‘Insurer of The Year in Qatar” for the third consecutive year at the prestigious MENA IR Awards 2024. The recognition took place at the programme’s annual awards ceremony held last week in Dubai and was attended by senior representatives of regional and global insurers, rating agencies, and auditors. This prestigious accolade comes in recognition of QIC’s exceptional performance at the levels of product digitisation and customer service excellence over the last 12 months, offering customers the best coverage options and the unique ability to be in full control of all their insurance needs. The company has also succeeded in cementing its market leadership position by providing the best online insurance services to retail customers, namely with the launch of the fastest digital service to get visitors’ mandatory health policies earlier in 2023, shortly after the introduction of this new travel requirement in Qatar. QIC has also succeeded in expanding its network of branches in the country, thus allowing and being closer to further larger customer segments across Qatar more convenient access to its services, in addition to reducing the turnaround time for completing different transactions from onboarding to policy management and claims. Commenting on the new award, QIC Group Chief Executive Officer Salem Al Mannai said, “Winning this prestigious accolade for the third year in a row is a strong testament to QIC’s success in maintaining its leadership position while meeting all our customers’ needs by continuously offering exclusive insurance products, effective customer services, and the fastest and most effective digital services in Qatar. “This award also reflects our customers’ trust in the solutions we provide them to make their lives safer and worry-free, and this is per se a major incentive for us to keep offering the best to all our customers in Qatar, the region, and beyond.” The MENA IR Awards is an annual awards programme that recognises and rewards the leading insurers, reinsurers, and insurance brokers within the wider MENA region. The programme sheds light on innovators, creative minds, and customer care professionals who have outperformed their competitors and demonstrated the highest levels of excellence across all parts of the region every year. Qatar Insurance Company is a publicly listed insurer with a consistent performance history of 60 years and a global underwriting footprint. Founded in 1964, QIC was the first domestic insurance company in Qatar. Today, QIC is the market leader and the first digital insurance company in Qatar and a dominant insurer in the GCC and MENA regions. QIC is one of the largest insurance companies in the MENA region in terms of written premium and total assets and is listed on the Qatar Stock Exchange and has a market capitalisation above QR87 billion.

https://qbusinessgate.qa/qic-named-insurer-of-the-year-in-qatar-at-mena-ir-awards-2024/

Verisk, the leading global data analytics provider located in Jersey City, announced Thursday that Elizabeth Mann has been named executive vice president and chief financial officer, effective Sept. 15. The role of Verisk CFO was left vacant when Lee Shavel became CEO in May. David Grover, Verisk’s controller and chief accounting officer, has been serving as interim CFO. As CFO, Mann will lead Verisk’s global finance organization, which includes accounting and controllership, financial planning and analysis, investor relations, strategic sourcing and procurement, tax and treasury. “We’re excited to welcome Elizabeth to Verisk. Elizabeth’s global and multifaceted finance experience, coupled with her leadership, make her the perfect candidate to lead Verisk’s dynamic finance team,” Lee Shavel, CEO of Verisk, stated. “Elizabeth will be a great partner in achieving our longer-term growth and return objectives and an invaluable resource for valued stakeholders who want to better understand Verisk’s financial and competitive strengths.” An accomplished financial leader, Mann comes to Verisk from S&P Global, where she was chief financial officer for the Ratings and Mobility divisions, and, prior to that, senior vice president of capital management. She also held roles of increasing responsibility at Goldman Sachs. “Verisk occupies a unique position as a trusted partner to the industries it serves. I’m looking forward to working with Lee and the leadership team to expand on Verisk’s position and accelerate the company’s strong financial performance and strategy for growth,” Mann said.

https://www.roi-nj.com/2022/07/22/tech/mann-to-lead-verisks-global-finance-organization-as-cfo/

(FINDLAY, OH) – Families who have lost their homes and items in a house fire find hope and support from the Fire Relief Foundation in Findlay, OH. Thanks to a $2,500 grant from ARK Insurance and their partner MutualAid eXchange (“MAX”), the organization can now assist more people in their time of need. Kathy Coppes heads ARK Insurance Services. She reached out to MAX and its Mutual Aid Ministries Community Grant Program to help support the Fire Relief Foundation. “This great organization stands beside families after their loss and offers household items, monetary assistance, and a shoulder to lean on until the families can get back on their feet,” Coppes said in her application for the grant. “They function solely through the help of volunteers, many of whom have been fire victims themselves. Our agency has donated clothing, furniture and food in the past and we are pleased to partner with MAX Insurance® and its community grant program to make this gift possible.” ARK Insurance Services is an independent insurance agency representing MAX Insurance® in Findlay and surrounding areas. MAX Insurance®, based in Overland Park, KS, is a unique fair, faithful and socially responsible insurance enterprise. Founded on religious principles, the company’s mission is to restore wholeness to communities and individuals in need. It lives out its mission through a variety of quality, fairly-priced insurance products, outstanding personalized customer service and its non-profit Mutual Aid Ministries (“MAM”) program. “MAX is more than an insurance company. We truly care beyond the contract,” said David Wine, President and Chief Executive Officer. “That’s why we are excited to partner with ARK Insurance Services to help families rebuild physically and emotionally after experiencing the devastation of a fire loss.” MAX Insurance® and Mutual Aid Ministries, visit www.MAXInsurance.com.

https://maxinsurance.com/ark-insurance-and-max-insurance-contribute-to-fire-relief-foundation/

A major fire took hold of over 200 motors in the late hours of yesterday evening, from what information we have found out fire crews were called out to the scene at around 9PM on Friday. With a few thousand vehicles held at this site a good 200+ managed to catch fire at a well known car auction storage yard in Essex, locals were urged to keep their windows closed and over 60 firefighters were on scene. Fire crews tackling the scene Crews managed to start to get the blaze under control within a few hours, as it was posted on their social media feeds. Essex County Fire and Rescue ServiceFirefighters are making good progress at the scene of a fire in a scrap yard in Rochford. Fire crews will remain at the scene until all hot spots are extinguished and the scene is fully cooled. An investigation will be carried out. It has also cancelled the fire fighters car wash event scheduled for today from their latest updates, investigation is taking place into the cause of the fire which is not yet clear or reported, stacked in rows of three there is plenty of damage which will sadly be a great loss for customers and the business involved. This will effect hundreds if not thousands of transporter deliveries which are regularly collected from storage facilities across the UK and delivered every single day. Crews remain on scene until everything is fully cooled down and safe to be left, no further updates have yet been provided by the teams.

https://www.delivermymotor.com/blog/rochford-scrap-yard-blaze-major-fire-purdeys-way/

Gloria Loomis Literary Agent – This article about Literary Agent Gloria Loomis and the Watkins Loomis Agency is part of a series about books and Finding a Literary Agent. Publishing Agent Gloria Loomis is an agent at the Watkins Loomis Agency. DO NOT QUERY THIS AGENT AT THIS TIME: Gloria is not currently accepting unsolicited submissions. She is also President of the agency. Book Agent Gloria Loomis is interesting in representing authors of nonfiction and fiction for adults. Gloria Loomis Literary Agent is on our list of Book Agents New York (publishing agents in New York State), Book Agents NYC (publishing agents in NYC), Book Agents USA (publishing agents in the United States), Fiction Book Agents (publishing agents who represent fiction authors), and Nonfiction Book Agents (publishing agents who represent nonfiction, not just novels). Gloria Loomis Literary Agent Biography The profile about Gloria Loomis Literary Agent that you see here contains some of the information you’ll find in our free Directory of Literary Agents, with literary agent listings for both established and new book agents. Scroll below now to learn more about Literary Agent Gloria Loomis or click here to get free instant access to our official Publishing Agents Directory. Book Genres – Gloria Loomis Literary Agent Gloria Loomis Literary Agent represents the following book genres: Representative Sales – Gloria Loomis Book Agent Scroll below now to view representative titles and a complete profile for Gloria Loomis FREE in our Book Agents Directory. AAR Status – Gloria Loomis Publishing Agent Scroll below now to view the AAR status and a complete profile for Gloria Loomis FREE in our Book Agents Directory. Contact Information – Gloria Loomis Literary Agent Scroll below now to view the email and postal address for Gloria Loomis FREE in our Book Agents Directory. Gloria Loomis Literary Agent Directory of Literary Agents Join thousands of other subscribers today. Simply enter your first name and email address for free, instant access to the Directory of Literary Agents. Get complete access to comprehensive profiles for both established book agents and new literary agents like Gloria Loomis.

https://literary-agents.com/gloria-loomis-literary-agent/

HAMILTON, Bermuda–(BUSINESS WIRE)–Vantage Group Holdings Ltd. (Vantage) announced today that funds managed by Carlyle and Hellman & Freidman have committed up to an additional $200 million of capital to fund the continuing growth of Vantage, with the majority of the proceeds intended to take advantage of opportunities in its US insurance platform. Vantage is also pleased to announce it closed on the purchase of an admitted lines carrier, Vantage Risk Assurance Company (formerly known as Heritage Casualty Insurance Company), from Union Fidelity Life Insurance Company (UFLIC). Vantage offers a wide array of specialty re/insurance products covering global risks through its operating subsidiaries, including niche property and casualty classes. Vantage CEO Greg Hendrick confirmed, “We are pleased to have closed on the purchase of Vantage Risk Assurance Company. Work is ongoing to complete the necessary filings to enable Vantage to offer admitted products later this year.” Commenting on the capital raise and admitted carrier acquisition, Mr. Hendrick added, “We are thrilled that our two majority shareholders have affirmed their commitment and belief in Vantage with their additional capital investment. Furthermore, our acquisition of an admitted lines carrier serves to complete the build-out of our insurance platform. We will have capabilities to assume risk on US admitted and non-admitted paper, as well as in our Bermuda entity. We are also pleased to be entering our second full year of reinsurance underwriting in Bermuda, having successfully launched that business in 2021. We look forward to continuing to expand the ways we are helping our clients and brokers solve their most pressing (re)insurance challenges with this complete platform in place.” Vantage Group Holdings Ltd. (Vantage) is a re/insurance partner designed for the future. Driven by relentless curiosity, our team of trusted experts provides a fresh perspective on our clients’ risks. We add creativity to tech-enabled efficiency and robust analytics to address risks others avoid. Vantage operating subsidiaries Vantage Risk Ltd. and Vantage Risk Specialty Insurance Company are rated “A-” (Excellent) by AM Best. Carlyle and Hellman & Friedman, global investment firms with deep experience in the re/insurance industry, are lead investors in Vantage. For more information, please visit www.vantagerisk.com/ For the latest AM Best Credit Rating information, access www.ambest.com. Meridith Bridge, Vested [email protected]

https://caribbeannewsglobal.com/carlyle-and-hf-commit-additional-capital-as-vantage-group-acquires-an-admitted-carrier/

One of the UK’s leading independent insurance brokers, Towergate Insurance Brokers, has renewed their sponsorship deal with the Cardiff Devils for another year. The agreement coincides with the start of the new season and sees Towergate Insurance Brokers’ branding featured across the Devil’s hockey kit, the team’s website, programmes and rink-side at the Vindico Arena. Towergate Insurance Brokers, which has over 100 offices nationwide, has a strong Welsh presence and a strong relationship with ice hockey, having been one of the Devils’ key sponsors since 2019. They recently supported the Devils with their travel insurance needs alongside their annual plan, as they travelled to France to compete in the Continental Cup. Howard Phillips, Commercial and Claim Executive for Towergate Insurance Brokers in Wales, said: “We’re very excited to be sponsoring the Cardiff Devils again. As a long-standing sponsor we thoroughly enjoy seeing the team in action in an arena full of fans each week, and wish them luck for this season.” Todd Kelman, Managing Director, Cardiff Devils, said: “The Cardiff Devils are pleased to partner with Towergate Insurance Brokers for all our insurance needs, as well as bringing them onboard as sponsors once again. “Towergate has really supported us over the years, so it was an easy decision to partner with them again. We look forward to welcoming them back to the arena and having them cheering the team on throughout the year.”

https://www.wales247.co.uk/towergate-insurance-brokers-sponsors-cardiff-devils

Arthur J. Gallagher has announced that its subsidiary Risk Placement Services (RPS) has acquired Florida-based SeaCoast Underwriters for an undisclosed sum. Established in 1996, SeaCoast Underwriters is a wholesale specialist that serves as a managing general agency (MGA) with binding authority for a wide range of admitted and non-admitted insurers. The surplus lines broker specialises in commercial property & casualty, flood & excess flood, personal lines, and transportation & garage risks. SeaCoast Underwriters’ services are available in 14 states of the US. Under the terms of the agreement, Shawn Chaffin and his team will continue to operate from their Lake Mary location. Gallagher chairman, president and CEO J. Patrick Gallagher, Jr. said: “SeaCoast Underwriters has a strong team of dedicated underwriting professionals who will bring additional products and programs to RPS’s retail agent and broker clients. “We are very pleased to welcome Shawn and his associates to our growing global team.” How well do you really know your competitors? Access the most comprehensive Company Profiles on the market, powered by GlobalData. Save hours of research. Gain competitive edge. Your download email will arrive shortly Not ready to buy yet? Download a free sample We are confident about the unique quality of our Company Profiles. However, we want you to make the most beneficial decision for your business, so we offer a free sample that you can download by submitting the below formBy GlobalData Chaffin’s team will work under the direction of Laura Allen who heads RPS’s Southeast region binding operations. RPS operates as Gallagher’s wholesale brokerage, binding authority, and programs division in the US. Recently, the UK’s Competition and Markets Authority (CMA) revealed that Arthur J. Gallagher’s proposed acquisition of certain operations of Willis Towers Watson (WTW) is being probed. In August this year, Arthur J. Gallagher agreed to purchase the treaty reinsurance brokerage operations of WTW for $3.25bn.

https://www.lifeinsuranceinternational.com/news/arthur-j-gallaghers-subsidiary-buys-seacoast-underwriters/

Thomas Matthew Braniff, CPCU, passed away peacefully at his home in Houston, Texas on February 12, 2021, at the age of 75. A dear friend to countless Texas insurance agents, Tom will be remembered for his vast insurance expertise and steadfast advocacy for the industry. Tom was the president and owner of Texas Insurance Consulting, an insurance and risk management consulting firm that provides regulatory and technical assistance, primarily to insurance agents and insurance companies. He represented numerous clients in connection with acquisitions, sales and mergers of insurance entities. Prior to founding Texas Insurance Consulting, Tom was a major stockholder and Executive Vice-President and General Counsel of Braniff & Braniff Insurance, a large regional Insurance Agent/Broker, which provided property, casualty, life and employee benefits coverages, as well as risk management advice. The firm merged with Arthur J. Gallagher & Co. to form Gallagher-Braniff, Inc. Tom was an active member of the IIAT community for over 35 years. He was a regular at IIAT conferences and events, participating and volunteering his time and talents. Besides being a staple speaker at IIAT’s Joe Vincent Management Conference, Tom developed sample contracts that IIAT and agency leaders have used for years. The Texas insurance industry always counted on Tom for his guidance and legal expertise as agents made critical business decisions. Tom and his wife, Wendy, have always been avid supporters of ICT’s Education Foundation which directs member contributions to university insurance programs throughout Texas and promotes student and graduate careers in the P&C insurance industry. With his interest in advocacy, Tom played an instrumental role in setting up and chairing IIAH’s Legislative Committee and was very involved in IMPACT in Houston. He also served as a Past President of IIAH. In 2007, IIAT recognized Tom with the Paige Eiland Political Action Award. This premier award recognizes the person whose political involvement has greatly benefited independent insurance agents. The award is named for Paige Eiland of Stanton, TX, a longtime member who worked tirelessly on behalf of agents in both state and federal political arenas. Tom will be missed dearly as a friend and colleague. In lieu of flowers and other customary remembrances, the family requests that memorial gifts in Tom’s name be made to Texas Insurance Education Foundation, 8980 Lakes at 610 Drive, Suite 100, Houston, Texas 77054. Read Tom’s obituary published in the Houston Chronicle.

https://www.iiat.org/texas-agent-news/thomas-matthew-braniff-1945-2021

Ancient town popular with tourists ravaged by fire Two-thirds of town was destroyed, but no casualties were reported The town, Dukezong, is known for its well-preserved Tibetan dwellings Fire has also sparked concerns over commercial development in ancient towns Most of a 1,300-year-old Tibetan town popular with tourists was destroyed by a fire over the weekend, renewing concerns over commercial development at Chinese heritage sites. The blaze, which raged for 10 hours on Saturday, destroyed at least 240 houses or two thirds of the ancient settlement of Dukezong in Yunnan province, southwest China, according to Xinhua state news agency. The town was known for its well-preserved Tibetan dwellings and the fire spread easily from one wooden house to the other after starting in a small hotel. Some 2,600 residents were evacuated from the scene, but no casualties were reported, Xinhua added. The possibility of arson has been ruled out, and the cause of fire is still under investigation, local authorities said. More than 1,000 firefighters and volunteers battled the flames, officials said, but the narrow streets made it difficult for fire trucks to maneuver. Fire fighters also found that hydrants were empty due to a shutdown in water supply during sub-zero winter conditions, according to Chen Tianchang, head of the fire service for the Deqen Tibetan Autonomous Prefecture, the region where the town is located. The town forms part of a county now called Shangri-La, which with its dramatic scenery claims to have inspired the fictional paradise described in the 1933 novel by British author James Hilton. The fire also renewed concerns over commercial development in China’s ancient towns, which have witnessed growing numbers of tourists in recent years. There have been a string of fires at heritage sites in recent months, Xinhua reported. In October, a blaze tore down an ancient building complex in Hongjiang, central China and a covered bridge in the Western city of Chongqing was destroyed by fire in November. Another fire also raged in the old town of Lijiang, Yunnan in March. Li Gang, director of the region’s cultural relics protection department, told Xinhua that the traditional gaps between the wood buildings in Dukezong to prevent fires had been filled in by restaurants, shops and guesthouses as “tourism booms.” “We have to reconsider the traditional principle of architecture while enhancing fire extinguishing facilities,” Li said.

https://edition.cnn.com/2014/01/13/world/asia/china-shangrila-fire/

What is TTM? Your one stop shop Insurance for “Things That Move”™. - Transportation — risks involving the movement of property or people by water, road, rail, and air; - Trade — risks involving the exchange of goods or services, either domestically or internationally; and - Movable property — risks involving property whose characteristics are constantly changing or moving “Most Insurers take their measure from the past – Innovators have an eye on the future.”Eagle is able to create value by being a “One Stop Shop,” offering the right mix of specialty coverages that enable clients to get the best products and services available. Keeping up with the modern movement Eagle can develop new segments of business that is currently underserviced in the insurance market, while also strengthening relationships with existing clients by identifying special and emerging risks. Our recent acquisition by GroupAssur enables us to take the next step in our development of the most comprehensive products on the market for “Things That Move”. “We provide client-centric risk and insurance solutions to specialized businesses, so that they can grow more effectively.”Eagle’s approach has three key differentiators: - Industry and product knowledge — we have specific expertise that enables us to deliver innovative products and solutions suited for “Things That Move” - Operational fitness — we have efficiencies that facilitate an entrepreneurial environment and cost containment - Client Experience — we are the industry’s only ‘one-stop shop’ for insurance and risk management for “Things That Move.”

http://www.eagleunderwriting.com/what-is-ttm/

General Search & Recruitment (GSR) is a professional firm specializing in insurance staffing. With over 43 years of experience in the industry, we have perfected the art of finding top talent in the insurance sector. Our focus areas include underwriting, claims, and sales. At GSR, we have built valuable relationships with professionals and employers in the insurance industry. Through our continuous adaptation to the industry's pulse, we stay up-to-date with the latest trends and developments. This enables us to identify and connect with the very best and brightest individuals in the field. Our recruitment process involves thorough sourcing and screening, ensuring that we present you with only the most qualified candidates. We understand the unique requirements of the insurance industry and strive to refine and redefine the recruitment process to meet those needs. As insurance audit recruiters in Wyoming, we offer our expertise in finding candidates with skills and experience in auditing within the insurance sector. We understand the importance of meticulous auditing to identify risks, control costs, and ensure compliance. When you partner with GSR for your insurance audit recruitment needs, you can expect: - Access to a pool of pre-screened and qualified candidates specifically skilled in insurance auditing - Expert guidance throughout the recruitment process - A tailored approach to meet your unique requirements - Efficiency and professionalism in handling the entire recruitment process If you're looking for insurance audit recruiters in Wyoming, we invite you to explore our website to learn more about how we can assist you. You can also find us on insurancerecruiters.com and connect with us on LinkedIn and LinkedIn for more updates. For additional industry news and insights, we recommend visiting Insurance Journal. Don't settle for less when it comes to insurance audit recruitment. Trust the experts at General Search & Recruitment to find the perfect candidate for your organization. Contact us today to get started!

https://gsr4you.com/insurance-recruiters/insurance-audit-recruiters-in-wyoming-2/

Trends toward protectionist regulation would expose local reinsurers to catastrophe risk An increase in protectionist regulation across Latin America could pose “very serious” problems for the reinsurance of catastrophe perils in the region, according to Aidan Pope. Speaking during a panel debate on Day 2 of the Latin American Reunión 2012 the director general - Latin America and Caribbean, Guy Carpenter & Company LLC, said moves by other countries in the region to embrace protectionist regulation similar to that already seen in Brazil and Argentina could prove disastrous in the event of a major natural catastrophe. “Other countries [in Latin America] are looking at the example set by Brazil and Argentina and from what I have heard and seen are trying to see if they can regulate in such a way so that more premiums are kept within the country,” Pope said. However, he pointed out that while “Argentina and Brazil don’t have big catastrophe perils,” this was not the case for all countries in the region. Only last week, for example, a large earthquake in Guatemala devastated the country and left over a million people without homes. Pope said regulators in other countries must think twice before implementing any protectionist regulation in the reinsurance sector, saying such action would be “a worrying development because the whole principle of catastrophe reinsurance is that you distribute the risk as widely as possible”.

https://www.globalreinsurance.com/latam-reunion-2012-natcat-risk-must-remain-widely-distributed-/1399653.article

Our Promise to YouWe will work with you to help you find the coverage you need at the best price available anywhere in Louisiana. Let our agents help you find the insurance coverage that your family needs. Contact us today. “JDI is a professional agency that I highly recommend. They saved me $1829 on my auto ins. And $281 on my homeowners ins. JDI is “Looking Out For Me”!” - Diana Bourque Hebert, Jennings “I’m so impressed! The guys at Jeff Davis Insurance saved me a whopping $2282 per year on my Homeowners!” - Wilma Terry, Jennings "Their service is excellent. I’ve been with them for a few years and expect to be with them for years to come!” - Beaulah Cottrell, Roanoke Tag Archives: Gas Station Insurance Shreveport Shreveport Gas Station Insurance – Call Now To Save! Call Jeff Davis Insurance right now toll-free at 337-824-4455 for big savings on Gas Station Insurance in Shreveport! Our insurance office is open for business Monday through Friday from 8:00 AM till 4:30 PM, with … Continue reading

https://homeinsurancelakecharles.net/tag/gas-station-insurance-shreveport/

Arch Insurance Company is a premier property and casualty insurer providing insurance solutions to both individuals and businesses. The company has received strong financial strength ratings from AM Best, a leading credit rating agency focused on the insurance industry. But what do these ratings really mean? This article will provide an in-depth look at Arch Insurance’s AM Best ratings and what they signify about the financial health and claims-paying ability of this insurer. An Introduction to AM Best Ratings AM Best issues independent opinions on the financial strength and ability to pay claims of insurance companies. These AM Best ratings are an important benchmark that insurance buyers can use to compare the relative financial strength of insurers. AM Best uses a rating scale from A++ (Superior) to D (Poor). Companies rated A or higher are considered to have an excellent ability to meet their ongoing policy and contract obligations. An AM Best rating of B or lower indicates some financial uncertainty or an elevated risk of the company not being able to pay out claims. In addition to the main letter ratings, AM Best may append modifiers such as “+” or “-” to indicate whether a company falls on the higher or lower end of a rating category. The ratings can also include an optional “u” subscript to denote an insurer’s under review status during rating evaluations. Some key facts about AM Best ratings: - Independent analysis based on comprehensive quantitative and qualitative evaluation of insurers. - Focus on balance sheet strength, operating performance, business profile, and enterprise risk management. - Widely recognized as an important benchmark across the insurance industry globally. - Ratings can change periodically based on updated analysis by AM Best analysts. Overview of Arch Insurance’s AM Best Ratings Arch Insurance has received strong financial strength ratings from AM Best: - Financial Strength Rating: A+ (Superior) - Long-Term Issuer Credit Rating: “aa-“ These ratings were affirmed by AM Best in August 2022 indicating the agency’s continued confidence in the financial standing and claims-paying ability of Arch Insurance. The A+ (Superior) rating received by Arch Insurance means AM Best has assessed the company as having a superior ability to meet their ongoing insurance obligations. An A+ rating is the second highest in AM Best’s rating scale. Similarly, the “aa-” Long-Term Issuer Credit Rating indicates AM Best’s view that Arch Insurance has excellent financial security characteristics over the long-term. This rating is the third highest in AM Best’s credit rating scale. In general, the A+ (Superior) rating signifies that Arch Insurance has very strong balance sheet strength, operating performance, and business profile when compared to other insurance carriers. The “aa-” credit rating echoes this assessment of Arch Insurance being an insurer with very low default risk based on their balance sheet and competitive market position. Assessing the Balance Sheet Strength of Arch Insurance A key factor behind Arch Insurance’s strong AM Best ratings is their assessed balance sheet strength. This refers to the adequacy of an insurer’s capital relative to the risks they underwrite and investments they hold. AM Best considers Arch Insurance to have the highest category of balance sheet strength – “Strongest.” Insurers need very strong risk-adjusted capitalization and high quality invested assets to achieve this designation. Some positive factors influencing Arch Insurance’s balance sheet assessment: Very strong risk-adjusted capitalization – Arch Insurance maintains capital well above the threshold for the highest regulatory risk based capital requirements, providing a buffer to absorb potential losses. High-quality investment portfolio – The investment portfolio of Arch Insurance is structured conservatively, with a heavy concentration in highly rated corporate and government bonds. This reduces overall investment risk. Strong liquidity – Measured by metrics such as days sales outstanding, Arch Insurance’s balance sheet liquidity has been assessed by AM Best as exceptionally strong and more than sufficient to pay claims. Low financial leverage – Arch Insurance utilizes low leverage, indicating balance sheet resources are not heavily tied up supporting debt obligations. The “Strongest” balance sheet assessment indicates Arch Insurance has financial flexibility to grow its insurance operations while also retaining a margin of safety to absorb adverse business or economic conditions. It is a major supportive factor behind the company’s AM Best ratings. Reviewing the Operating Performance of Arch Insurance In addition to balance sheet strength, AM Best also analyzes profitability and operating performance trends when rating insurance companies. This helps assess an insurer’s ability to consistently generate returns and maintain a competitive position in the marketplace. Arch Insurance has exhibited a track record of favorable operating earnings relative to its insurance peers: Five-year average operating ratio: Arch Insurance has maintained an excellent five-year average operating ratio (operating expenses as a percentage of net premiums) of approximately 90%, outperforming many insurance sector competitors. A lower ratio indicates greater premium revenue left over after paying claims and expenses. Underwriting discipline: The company has achieved consistent underwriting profits and avoids excessive pricing competition that could jeopardize profitable business. Net investment income: Arch Insurance generates steady investment earnings to supplement underwriting performance. Factors such as underwriting discipline, paying careful attention to market segments that offer an adequate risk-return profile, and practicing conservative reserving have enabled Arch Insurance to deliver outperformance on profitability metrics: - Return on equity: Arch Insurance has produced a strong five-year average return on equity in the 15% range, which AM Best views very favorably in comparison to the industry. The track record of strong earnings and operating fundamentals provide Arch Insurance with internally generated capital to support growth and fund capital initiatives, further strengthening the overall balance sheet. AM Best believes this level of operating performance enhances financial flexibility and demonstrates management expertise, contributing to the high ratings assigned to the company. Evaluating the Business Profile of Arch Insurance To arrive at a comprehensive rating opinion, AM Best also considers qualitative factors such as an insurer’s business profile, market position, and management. Arch Insurance excels on these dimensions: Established reputation and brand recognition: Operating since 1950, Arch Insurance has built a widely recognized brand name as a leading commercial property/casualty insurer in specialty areas such as construction, healthcare, and professional liability coverage. Diversified distribution channels: Arch Insurance writes business across insurance agents, brokers, wholesalers, and directly with consumers, giving them access to multiple markets and diversifying their credit risk exposure. Management experience and expertise: The executive leadership of Arch Insurance has decades of insurance experience to effectively steer operations and financial management. Long-standing customer relationships: Many clients have partnered with Arch Insurance for over 30 years, signifying strong customer retention and service levels. Innovation and new product development: Arch Insurance continually assesses market needs and has demonstrated an ability to develop creative insurance solutions, for example in the growing cyber insurance segment. This positive assessment of Arch Insurance’s management, market reputation, distribution capabilities, and customer profile point to an insurer with solid brand strength and underwriting expertise – key qualitative factors supporting their AM Best rating. The Significance of a Stable AM Best Rating The AM Best ratings process involves ongoing monitoring and analysis of insurers’ balance sheets, operating trends, and market profiles. Ratings are periodically re-evaluated and updated by AM Best analysts. Arch Insurance having a stable AM Best rating over multiple years provides additional assurance and confidence about their financial strength. Key points regarding the ratings history: Arch Insurance has maintained its A+ (Superior) rating since 2009, evidencing a long period of consistent financial health. Through various economic cycles since the early 2000s, Arch Insurance has retained ratings in the upper levels, demonstrating resilience regardless of macro conditions. Annual affirmation of current ratings indicates AM Best has not identified issues warranting a downgrade over more than a decade of reviewing Arch Insurance’s finances and operations. This ratings stability indicates diminished risk of Arch Insurance experiencing abrupt changes in credit quality or balance sheet deterioration that could impact their ability to pay claims. The long-term maintenance of high ratings provides further support for policyholders and business partners to rely on the financial security of Arch Insurance. Using AM Best Ratings as Part of Insurance Buying Decisions For individuals or companies purchasing insurance policies, reviewing AM Best ratings can be a crucial step in selecting a financially stable insurer that demonstrates long-term viability. Some key advantages of choosing a highly rated insurer like Arch Insurance include: Reduced risk of non-payment of claims – The high ratings suggest superior financial resources to fulfill policy obligations and handle unexpected claim spikes. Confidence in renewal stability – Renewal prices and availability are less prone to fluctuation with an insurer having a strong capital cushion and steady operating performance. Added legal and regulatory assurance – In some jurisdictions, insurers are required to maintain minimum AM Best ratings to be licensed to write new business. Reassurance for lenders/partners – Third parties have greater comfort with insured’s risk management programs knowing coverage is with a highly rated carrier. While AM Best ratings are not the only criteria in selecting an insurance provider, they provide a valuable third-party assessment of financial strength that can help buyers pick reliable insurers and avoid unnecessary risk. Conclusion: AM Best Ratings Affirm the Stable Position of Arch Insurance What are AM Best insurance and NAIC Number ratings? Is Arch Insurance company good? What is the AM Best insurance rating? Who is Arch Insurance owned by? What is a good rating for an insurance company? AAA Exceptionally Strong AA+ Very Strong AA Very Strong AA- Very Strong

https://themoneyknowhow.com/arch-insurance-company-am-best-rating/

Posted: December 5th, 2022 LTD Acceptance is a private property and auto insurance carrier that specializes in sports cars and motorcycles. This organization is owned by LTD Capital, a large equity group with over 15 holdings. LTD Acceptance is the parent company’s single largest holding as it drives 70% of total revenue. Due to the inherent risk involved in that segment of the market, many of LTD Acceptance’s competitors do not offer policies for sports cars or motorcycles. This market segment is underserved which is why the organization has 20,000 active policies for a sports car or a motorcycle. LTD is headquartered in Houston, TX. LTD does not sell insurance directly to the public. Instead, it uses third-party agents to sell its policies. LTD handles all customer service needs including claims intake, policy services, and general questions. The company operates in four states: California, Texas, Louisiana, and Florida. Currently, LTD does not have an active system in place to ensure that its agents are in fact using LTD guidelines to screen potential policyholders. However, no evidence of negligence has emerged so far as the organization has yet to have a year in which it was not profitable. LTD has also had the good fortune of not suffering losses because of natural disasters or catastrophic events. You have been hired for the role of Senior Risk Analyst. This means that you are responsible for overseeing and managing the organization’s all risk management activities. Before you can design a plan to manage risks, your first task is to identify the primary risk exposures the organization should acknowledge. The organization is also concerned about threats to its operational efficacy. Therefore, you need to also identify operational risk exposures and explain why operational losses must be categorized. The board is also seeking your input on the relationship between risk and reward and how it pertains to the company’s investment portfolio. Your supervisor has asked you to create a PowerPoint presentation of your report. Remember your audience when crafting your presentation, and include the following slides: Place an order in 3 easy steps. Takes less than 5 mins.

https://professionalsessays.com/2022/12/05/deliverable-7-senior-risk-analyst-presentation/

WHITEHOUSE STATION, N.J., July 19, 2017 /PRNewswire/ -- Chubb has launched a multi-line industry practice within its Major Accounts division, dedicated to providing innovative insurance products, industry-leading service and risk management solutions for best-in-class large risk transportation clients in the United States and Canada. Chubb's Transportation Industry practice provides a broad range of coverages and services to transportation companies with fleets in excess of 500 power units that are willing to utilize large retentions/deductibles. This includes truckers, bus operators, waste haulers, rental car companies, and airlines, as well as manufacturers and distributors with large vehicle fleets. The formalization of this practice, with its experienced leadership and broad portfolio of product and service offerings, will help these types of organizations to take a more holistic approach in managing exposures that pose a significant threat to their businesses. "Large transportation companies are becoming more susceptible to a range of risks, including extensive auto, technology, and supply chain liabilities, in addition to the regulatory and compliance exposures involved in the use of independent contractors," said Chris Maleno, Senior Vice President, Chubb Group, Division President, North America Major Accounts. "This new practice reinforces Chubb's commitment to ensuring that brokers and risk managers in this industry continue to have access to a range of core coverages, including primary and excess casualty, as well as more specialized coverages, such as environmental, surety and cyber." Leading the practice is David Brown, who has been appointed Executive Vice President, Transportation Industry Practice, Major Accounts Division. Mr. Brown will manage a team of dedicated underwriters with deep industry knowledge and insurance expertise across multiple lines of business. He will be based in New York and report to Matt Merna, Chief Operating Officer, North America Major Accounts Division. "Chubb's commitment to helping our clients manage their specific coverage needs, coupled with our disciplined approach to underwriting and use of industry-leading technologies, such as our web-based solution, Chubb AcceleratorSM, used to assist clients in documenting coverage elections, enables us to provide the very best experience for customers and their brokers," said Mr. Merna. "The formal establishment of this practice further supplements our commitment to expanding focus on industries that can benefit from more customized risk management solutions." Mr. Brown brings more than 28 years of underwriting and management experience in the large risk transportation segment to this new role. He most recently served as Senior Vice President and Transportation Practice Leader for Chubb's Global Casualty business unit, which he will continue to oversee as part of his expanded responsibilities. Mr. Brown joined ACE Group in 1999 as a casualty underwriter and was instrumental in formulating the transportation industry strategy that has been in place since 2000. In addition, Mr. Brown has held various management positions at Chubb, including, casualty underwriting manager in the New York Branch. Mr. Brown received a Master of Business Administration degree with concentration in Finance, and a Bachelor of Science degree in Actuarial Science from St. Johns University. For additional information about Chubb's offerings for the transportation industry, please click here. About Chubb's Industry Practices The Transportation Industry Practice is one of several Chubb industry-specific practices, including Broadcasters, Clean Tech, Construction, Educational Institutions, Energy, Entertainment, Financial Institutions, Government Contractors, Healthcare, Law Firms, Information & Network Technology, Life Sciences, Manufacturing, Museum & Cultural Institutions, Non-Profits, Private Equity, Real Estate and Hospitality, and Wineries. Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide. Additional information can be found at www.chubb.com. Chubb Insurance Company of Canada has offices in Toronto, Calgary, Montreal and Vancouver and provides its products and services through licensed insurance brokers across Canada. For additional information, visit: chubb.com/ca. All products may not be available in all states. Surplus lines products are available only through licensed surplus lines producers. Coverage is subject to the language of the policies as actually issued.

https://news.chubb.com/2017-07-19-Chubb-Launches-Dedicated-Multi-line-Practice-Focused-on-Large-Transportation-Clients-in-North-America

PARTNERS RISK STRATEGIES ANNOUNCES Gloria Watson AS NEW CHIEF OPERATING OFFICER November 17, 2023 Charlotte, NC – Partners Risk Strategies is pleased to announce that effective October 2023, Gloria Watson has been appointed as the Company’s Chief Operating Officer. Gloria is a highly respected industry executive with more than 30 years of experience in the risk management and insurance industry. She has built a national reputation for underwriting and managing complex risk. Gloria is a proven leader, whose experience in technical underwriting, distribution, field management and portfolio management positions her well to help take Partners Risk Strategies to its next phase of growth. “We are delighted to welcome Gloria as our new COO” says Vin Foderingham, CEO of the company. “Gloria is an innovative and strategic growth leader who has a proven record of orchestrating business strategies for risk management across multiple products, industries, and distribution sources. Her background and success in building trusted client relationships will perfectly complement our brand and our focus on delivering industry-leading products and services. We are fortunate that she has agreed to join our organization”. Prior to becoming COO of Partners Risk Strategies, Gloria served as an Executive with AIG, most recently as Senior Vice President of Client Solutions. In this role she was responsible for building an underwriting and distribution platform for broader access to AIG’s expansive risk solutions and product offerings for emerging businesses. During her 25+ year career at the company, Gloria held increasing roles of responsibility. She served as the North America Head of Aerospace and was later promoted to the North America Head of Specialty, which included Aerospace, Marine, Energy, Trade Credit, Political Risk and Surety. Gloria also served as a Managing Director and as a Zonal President for the company. Earlier in her career, she led businesses across several product lines, including Risk Management, Excess Casualty, and Workers Compensation. “I am extremely excited to join this team of talented individuals who have a proven track record across many facets of Risk Management and in building successful businesses” says Gloria. “I look forward to capitalizing on the many opportunities ahead and helping drive Partners Risk Strategies towards even greater success”. About Partners Risk Strategies Partners Risk Strategies is an independent commercial insurance and risk consultancy firm based in Charlotte NC, with offices in Atlanta GA and Sarasota FL. The firm provides services to an array of entities including small and large businesses, municipalities, colleges and universities, and nonprofit organizations. The firm consults closely with clients to build a holistic approach to address risk, whether insurable or not, to protect their operational and financial interests.

https://www.partnersrisk.com/press-release/

Azerbaijan, Baku, Sept. 20 /Trend A. Akhundov/ Russian Insurance company Soglasie, which established its base in Azerbaijan, doesn't consider the only reinsurance company in the country AzRe to be its rival. This was said to the journalists by the general director of the company Elnur Suleymanov. The company has set its goals on the establishment of partnership relations with Azerbaijani insurance companies in their risk reinsurance with Soglasie. The Soglasie team, headed by Emin Aslanov, was registered with the Azerbaijan tax authorities on June 19. "We have no objections to AzRe, as our interests don't cross. Moreover, AzRe is our partner, and its risks are partly reinsured by us", Suleymanov said. He added that the company has already launched its work in Azerbaijan in this field. "We obtained authorisation to conduct reinsurance operations in Azerbaijan about six months ago. We have already received risks and have contracts", Suleymanov said. Soglasie is currently cooperating with major companies in the reinsurance market such as Hannover Re, Swiss Re, Munich Re, Gen Re, SCOR and Lloyd's syndicates. "The company's financial control departments are successfully examined by international brokers such as the AON Group and Willis. The company is approved by brokers to place Central and Eastern Europe and CIS countries' risks", Suleymanov said. The Soglasie Insurance Company was established in 1993. The company is currently offering more than 90 types of insurance and reinsurance activities. Its authorised capital amounts to 4.3 billion roubles (134.8 million dollars). The regional network of Soglasie consists of more than 700 different offices operating in all the federal districts of Russia. In the first half of 2012 the volume of insurance contracts given to Soglasie amounted to 16.4 billion roubles (514 million dollars), of which insurance payments were 8.3 billion dollars (260 million dollars) The Expert RA Preference Rating Agency raised the assurance rating of Soglasie to A++ 'exceptionally high level of assurance'. The rating notes the forecast to be stable.

https://en.trend.az/business/economy/2067430.html

Congratulations on being a proud member of Onsurity! With your membership, you and your loved ones can enjoy a plethora of incredible benefits. From convenient doctor teleconsultations to comprehensive insurance coverage, discounted pharmacy services, and lab tests, the Onsurity Super App offers an array of advantages for you and your loved ones. However, we would like to shed light on a crucial aspect of your membership that deserves your attention: adding a nominee in insurance plan. This simple step holds immense importance in ensuring a smooth claims experience, preventing legal complications, and providing absolute peace of mind for your family. So, let’s dive in and understand the significance of adding a nominee to your insurance. What is the nominee in Insurance plan? When purchasing life or personal accident insurance, it is essential to know about the role of a nominee. Nominees play a significant role in ensuring that the intended beneficiaries receive the death benefits in the unfortunate event of the insured’s demise. Without a designated nominee, the benefits of the insurance policy may face delays and complications. To ensure the protection of both the insured and their family, it is essential to understand and assign a nominee on priority. Who is a nominee in the Insurance plan? A nominee in insurance is an individual who is designated to receive the death benefit in the event of the insured person’s demise. The death benefit encompasses the policy’s sum assured, along with any applicable bonuses. Insurance companies typically advise policyholders to designate family members as nominees, as they are more likely to utilize the benefits provided by the policy. Section 39 of the Insurance Act, of 1938, permits policyholders to nominate one or more family members or relatives. The nominee can be anyone, including a spouse, parent, sibling, or child. If you are an Onsurity member and have not yet added a nominee, it is important to do so. Read on to understand the significance of naming a nominee in insurance. Importance of nominee in insurance The primary reason for appointing a nominee in insurance is to ensure that the accumulated policy benefits are transferred to the nominee in the event of the policyholder’s disability or death. Naming a nominee also offers the following advantages: - Avoidance of legal complications: According to the Indian Succession Act, if a policyholder does not designate a nominee, the insurance policy’s proceeds are distributed among the legal heirs. This can lead to legal issues and delays in the disbursement of the claim amount. - Protection of your family’s financial future: By naming a trusted individual in your family as a nominee, you can ensure that the funds are utilized to meet the financial needs of your family. - Swift claim settlement process: When the insured has named a nominee, the claim settlement process becomes more streamlined for insurance companies. The nominee is required to submit the necessary documents to receive the policy benefits. Types of nominees When selecting a nominee, insurance companies provide flexibility and offer various options. It is crucial to choose a trustworthy person who will receive the death benefit in your absence and take care of your entire family. Here are the types of nominees in insurance: - Beneficial nominee: Immediate family members such as your spouse, parents, or children can be appointed as beneficial nominees. Only these family members are eligible to receive the death benefit. - Minor nominee: Many policyholders choose to name their children as nominees. However, if the child is below 18 years of age, a custodian must be assigned to handle the policy proceeds. The death benefit is paid to the custodian if the nominee is below 18 at the time of the policyholder’s death. It is important to select a trustworthy individual as the custodian who will manage the funds until the child reaches 18. - Non-family members as nominees: If you do not have immediate family members (spouse, children, or parents), you have the option to nominate a non-family member as a nominee. This can be a friend or a distant relative. However, it is crucial to note that even if a non-family member is nominated, the legal heir can still claim the death benefit under the same policy. The non-family member nominee acts as a custodian of the death benefit. It is important to inform the legal heir about the nominee to avoid future legal disputes. - Multiple nominees: If you wish to distribute the death benefit among different family members, you can name multiple nominees. You can assign a specific percentage of the coverage amount to each family member to prevent future disputes. - Successive nominees: A policyholder can name multiple successive nominees under the insurance policy. If the first nominee fails to receive the policy benefits, the insurer will pass on the benefits to the second nominee. There is no predefined limit to the number of successive nominees you can name. Understanding the different types of nominees can assist you in selecting the right nominee for your insurance policy. Things to consider when selecting a nominee in the Insurance plan When selecting a nominee, it is crucial to consider the following factors: - Age of the nominee: Ensure that the nominee is of an appropriate age. Choosing a minor as a nominee or selecting an elderly individual who may have difficulty handling finances can lead to complications. - Relationship with the nominee: Select a nominee whom you trust completely. This can be your spouse, children, siblings, or parents. - Health of the nominee: Consider the nominee’s health status. If their health is not stable, they may face challenges in managing their finances and taking care of dependents in the event of their untimely death. - Financial dependents: Consider the number of financial dependents you have. If you have a large family and multiple dependents, choose a nominee who can distribute the benefits within the family equally. - Personal and professional background: Consider the personal and professional background of the nominee. It is important to ensure that the nominee is not involved in criminal activities or does not have a negative reputation in society. For your Onsurity membership, it is mandatory that you add only blood relatives as nominees. Difference between the nominee and legal heir - An individual is chosen by the policyholder to receive the policy benefits. - The nominee holds the property or benefits in trust for the legal heir. - The nominee has limited rights over the assets. - The process of nomination is relatively simple and quick. - The person designated by the policyholder’s will or as determined by the law to receive the policy benefits. - The legal heir is the actual owner of the property or benefits. - The legal heir has full rights over the assets. - Inheritance through legal heirship follows the legal process, which may involve legal formalities and can be more complex and time-consuming compared to the nomination. A nominee is someone chosen by the policyholder to receive the benefits on behalf of the legal heir. The nominee holds the benefits in trust, while the legal heir is the rightful owner of the property or benefits. The legal heir has full rights over the assets, whereas the nominee has limited rights. Nomination is a simpler and quicker process compared to the legal inheritance procedure. Dos and don’ts when naming a nominee in your Onsurity Healthcare membership You can declare your nominee easily through the Onsurity app. Dos to follow when adding a nominee: - Add nominee details through the app or our WhatsApp bot - Update nominee details as per government ID card - Only blood relatives (father, mother, siblings, spouse, and children above the age of 18) can be added as nominees - A custodian needs to be declared in case a minor is added as a nominee - Log on to the Onsurity app to check policy coverage and benefits Don’ts to remember when adding a nominee: - Don’t add yourself as a nominee - No friends can be added as a nominee - Wrong nomination can lead to claim rejection or delay in claim settlement - If the wrong nominee is added, benefits will be given to the legal heir(s) If you do not opt for a nominee, it will mean that you agree with the T&Cs, as given hereunder: “I hereby confirm that I do not wish to appoint any nominee in my GPA/GTL policy and understand the issues involved in non – appointment of the nominee and further are aware that in case of death of the insured, my legal heirs would need to submit all the requisite documents/information for claiming the amount in my policy, which may also include documents issued by Court or other such competent authority, based on the value held in the policy.”

https://www.onsurity.com/blog/nominee-in-insurance-plan/

Appulate Media Coverage 28348 Roadside Dr. Agoura Hills, CA 91301 175,000 Submissions Processed Through Appulate Leading Insurance Automation Company Achieves Major Milestone Agoura Hills, CA – October 29, 2014 Appulate, Inc., the leading provider of submission automation to the property and casualty sector of the insurance industry has announced that its technology has now been used to process nearly 200,000 submissions between retail agents and carriers. Since launching its state of the art, “Submission Management” portal in 2011, retail agents have made more than 175,000 submissions using Appulate, nearly 100,000 of which were completed in 2014. As a fully functional portal (offering rate, quote, bind and issuance), carriers and MGA’s use Appulate to make it easier to do business with retail agents. The program offers agents upload directly out of their agency management system to save data entry time, provides real-time quote and allows agents to bind policies with ease. “This milestone is a confirmation that the industry is embracing automation,” said Vanessa Duliere, Director of Customer Development at Appulate, Inc. The automation that Appulate provides was initially developed for a single line of business (Workers’ Comp) and primarily used in Appulate’s home state of California. Today, the product serves the needs of more than 15 lines of business and has usage nationwide. “There is no better feeling than to know that the work you do has a positive impact and we take tremendous pride from knowing we are helping agents, brokers, MGAs and carriers operate more effectively,” noted Duliere. Appulate, “The Insurance Automation Company™” offers an unprecedented level of automation to streamline the submission processes through its innovative abilities to bridge data between insurance systems. Today, Appulate technology is used by more than 14,000 retail agents and has been recognized by key industry groups and analysts for its contribution to time and cost savings. The combination of Appulate’s advanced technology, outstanding level of service and high value proposition has made them one of the fastest growing technology companies that serve the insurance industry.

https://blog.appulate.com/175000-submissions-processed-through-appulate/

The Data analytics module provides an at-a-glance overview of the company's performance. Insight generation and explanations help insurance professionals explore and analyze data more effectively than they could do manually.BOOK A DEMO The Data analytics module provides real-time decision-making capabilities embedded directly in the AdInsure platform. Using data from a dedicated analytical data warehouse, the architecture is fully optimized to be used together with all available business intelligence tools. The visualizations and architecture are fully configurable and can be tailored to each client separately. Executives can use the feature to track and analyze company-wide KPIs at various business levels (i.e., Policy, Premium, Claims, Reinsurance). The sales staff can track individual statistics and planned amounts to spot trends faster, perform more efficiently, and predict outcomes. Get business intelligence insights on premium, policy, claim/recovery, reinsurance, and commission levels. Carefully considered insurance risk and underwriting dimensions for intelligent portfolio tracking. The most advanced IT pipeline designed specifically for data analytics purposes. Cross-filter or cross-highlight the related values in other visuals on the same report page. Use white-label data analytics software directly within AdInsure. Analyze planned amounts across several different dimensions. Easily configure the back end based on a variety of different client needs. Automatic updates and newly added functionality. Basic functionality and predefined insurance reports already included in core AdInsure licensing. Normalized analytical data warehouse constructed with data analysis needs in mind. Easily export the highlighted or filtered data to .csv or .xlsx formats.

https://www.adacta-fintech.com/platform/data-analytics

Grant Baxter joins MS Amlin Underwriting Limited from Liberty and replaces Matthew Wilken, who left the firm in January MS Amlin Underwriting Limited has appointed Grant Baxter to the newly created role of head of Reinsurance & deputy chief underwriting officer. He replaces Matthew Wilken at head of reinsurance. Wilken departed the firm in January after less than a year in the role to become CUO for Hiscox Re & ILS in Bermuda. Baxter will report to Andrew Carrier, chief underwriting officer of MS AUL and will take up his role towards the end of the year, subject to regulatory approval. He will be based at MS AUL’s London office. Baxter joins from Liberty, where he held a number of senior roles, most recently as head of Portfolio Management in Liberty’s Global Risk Solutions division, and prior to that managing their global ceded reinsurance strategy. He also has experience on the broking side, with roles at Aon and latterly Willis Re, as an executive director for the firm. Andrew Carrier commented: “Grant will be central to the execution of our underwriting strategy, leading our reinsurance teams, as well as providing broader support across our entire underwriting faculty.”

https://www.globalreinsurance.com/home/ms-aul-names-head-of-reinsurance-and-deputy-cuo/1441643.article

Who we are? Cafeinsurance.com.au was designed to provide operators and property owners of cafe’s, coffee shops, restaurants, Pizza shops, take away shops and those in the hospitality business a simple and easy solution for their business insurance needs. The one place that can explain business insurance in simple language and provide you with real time fair insurance pricing. We work hard to ensure the insurance covers we provide are broad in the insurance market by ensuring a minimum level of protection for all our customers. Under our business insurance policy, a minimum level of cover is provided under sections such as burglary, money, glass and liability . Most important of all we understand the importance of ensuring our premiums are very competitive whether you are a small one person business, part of a franchise group or a corporate customer. Who is Cafeinsurance.net.au? Cafeinsurance.net.au is part of Steadfast Eastern Insurance Brokers P/L. Steadfast Eastern Insurance Brokers P/L is an Australian General Insurance Broker authorized by the Australian Securities and Investment Commission under licence number 449768 to provide general insurance advice in Australia. We are members of the National Insurance Brokers Association (NIBA) and Steadfast Group Limited(SDF). Who is Steadfast Group Limited? Steadfast is the largest network of general insurance brokers in Australia (based on number of insurance brokers and gross written premiums) and a leading network in New Zealand. Established in 1996, Steadfast’s network comprises of 285 insurance brokerages, represented by over 455 offices across the metro and regional areas of Australia and New Zealand. With a network generating in excess of $4.3 billion in insurance sales (GWP + levies and fees). This provides Steadfast with enormous buying power, flexibility and influence when negotiating with insurers. Steadfast’s strength and size gives Cafeinsurance.net.au the ability to offer our customers a broad choice of insurance products, exclusively built policies at a competitive price and a unique claims escalation process. Steadfast Group Limited are shareholders in Steadfast Eastern Insurance Brokers P/L.

https://cafeinsurance.net.au/who-we-are/

Insurance - Beaumont, Tx AUTO - HOME - BUSINESS - LIFE - INSURANCE TWFG (The Woodlands Financial Group) is the largest independent agency in Texas, representing over 100 insurance companies. Our specialty is house insurance and car insurance. TWFG's Bobby Counts provides house insurance, car insurance, business insurance, flood insurance, and builder's risk insurance to the residents and businesses of Southeast Texas. Call our office or use one of our online quote forms below Insurance you need, prices you can afford! While we can't predict the future, one thing we do know is - that life is full of surprises. That's why we offer an abundance of protection options, from car and recreational vehicle to home and flood insurance. TWFG Bobby Counts Insurance, helping you protect - what you can't predict. Wherever life takes you, we'll be right there with you. What Our Clients Are Saying "Great insurance agency. They always find me competitive rates and look for ways to save me money." ~ Kevin S. "The staff is friendly and very fast with their responses to us. They shopped around for us and got us the best deal. Good insurance with a great price is so hard to find. My family is grateful for Bobby Counts, our Agent Carly, and our customer service representative Donna Matthews. We always get fast, professional service. You cannot beat that." - Virgie S. "Excellent service, Great group of staff all keen to provide solutions. good value and GREAT value'" - Chis A. © Copyright 2022 • TWFG Bobby Counts Insurance • 2508 Mcfaddin Ave, Beaumont Tx 77702 • 409.924.0050

https://www.myinsurancecounts.com/

Insurance aggregator Turtlemint has secured $30 Mn in series D round led by GGV Capital. The round also saw new investors American Mass Ventures, Mass Mutual Ventures and SIG coming on board. Clutch of existing investors Sequoia Capital, Blume Ventures, Nexus Venture Partners and Trifecta Capital also took part in the latest round. Among other things, the Mumbai based startup will use the latest capital infusion for penetrating deeply in tier 2 and tier 3 towns. The startup’s last funding round reportedly took place in January last year. This round saw Sequoia Capital leading $25 Mn in the Mumbai based startup. The company basically deals in four major verticals including Car, Bike, Health and Life. According to its official website, the startup has so far sold more than 10 lakh policies and processed 15 crore claims Being an aggregator, it essentially brings best possible and suitable products offered by different insurance companies. Digital payment major Paytm has now almost become a full-fledge insurance player, after acquiring 100% stake in the Mumbai based insurance company Raheja QBE. Insurance sector was one of the few sectors that benefited from the coronavirus pandemic. With India witnessing second-highest coronavirus cases globally, health insurance witnessed robust sales in 2020. Over all, India’s startup insurance industry is upbeat about its future for two main reasons. Firstly, insurance penetration in India at 3.69% is one of the lowest in the entire world. This means that the insurance industry has a big headroom to grow. Secondly, growing internet and smartphone penetration will come in handy for the startup insurance industry to grow their marketshare.

https://www.techpluto.com/insurance-aggregator-turtlemint-fetches-30-mn-in-series-d-round/

The insurance industry is global in nature. Insurers and reinsurers are critically important to the world economy, assuming and transferring risk across each continent and serving as an enormous investor base for the world’s capital markets. Risk generated in one part of the world is distributed immediately across multiple markets to traditional and new market entrants alike — insurers, reinsurers, private equity sponsors, capital market investors, and others. Regulatory issues arising in one market may influence the way in which similar regulatory concerns are addressed in other markets; the insurance industry constantly evolves, requiring regulatory regimes and market participants to adapt to changing circumstances. For a full understanding of the insurance industry, it is essential to consider the global trends and developments that bear upon that industry. Each year, we prepare the Sidley Global Insurance Review as a tool to assist readers in obtaining such an understanding. This publication provides an overview of major legal and market developments in the global insurance industry over the past year, with a focus on the United States, United Kingdom, European Union, Asia Pacific, and other markets with significant insurance industry activity, such as Bermuda. The Sidley Global Insurance Review has been produced by Sidley’s Insurance and Financial Services group. Sidley is one of the world’s premier law firms, with over 2,300 lawyers across 21 offices in North America, Europe, and Asia Pacific. Our firm is one of only a few internationally recognized law firms to have a substantial, multidisciplinary practice devoted to the insurance industry. We have more than 70 lawyers devoted to providing transactional, regulatory, and dispute resolution services to the insurance industry throughout the world. Our Insurance and Financial Services group has a deep knowledge of, and appreciation for, the insurance industry and its unique issues and challenges. Regular clients include many of the largest insurance and reinsurance companies, their investors and capital providers, brokers, banks, investment banking firms, and regulatory agencies for which we provide corporate, capital markets, securities, mergers and acquisitions, private equity, insurance-linked securities, derivatives, tax, reinsurance dispute, class action defense, insolvency, and other transactional, regulatory, and litigation services. We hope you find the 2023 edition of the Sidley Global Insurance Review to be a valuable tool in navigating the insurance market.

https://www.sidley.com/zh-hans/insights/publications/2023/03/sidley-global-insurance-review

Jackson Insurance Brokers Welcome to Jackson Insurance Brokers LLP. We are proud to be opening our new office in Wokingham. We are a general insurance brokerage specialising in all forms of commercial and high value personal insurances. Our aim is to provide high quality, professional and reliable insurance broking and risk management advice to our clients. Insurance & risk management advice is undertaken by Senior Partner Peter Jackson, ACII qualified and with over 30 years experience in this profession. Peter is backed up by a full compliment of staff responsible for administration, compliance, accounts & IT. Peter has acted for numerous clients for whom he has been entrusted with their insurance requirements for decades. We are able to offer insurance and risk management advice over a wide spectrum of industry & personal sectors. However we tend to specialise in family owned & run businesses where the emphasis is on gaining a thorough understanding of the business and being able to put together an insurance portfolio of covers to meet with the exact requirements of that business. We deal at a personal level, with all matters relating to the insurances and effectively become the "in house" insurance department for that Company allowing Owners/Directors to get on with the day to day tasks of running their business. Jackson Insurance Brokers LLP are a part of the A One Insurance Group who are completely independent. We are not affiliated to any insurers or beholden to any financial intuitions or investor share holders. We are here to look after your insurance matters and serve you.

https://jacksonib.co.uk/

The Trustees of the American Council of Engineering Companies (ACEC) Business Insurance Trust (BIT) and EPIC Insurance Brokers & Consultants announced today that Greyling Insurance Brokerage & Risk Consulting – a division of EPIC was selected as the broker and program administrator for the ACEC BIT Program effective January 1, 2018. SAN FRANCISCO, Calif. /Mortgage and Finance News/ — The Trustees of the American Council of Engineering Companies (ACEC) Business Insurance Trust (BIT) and EPIC Insurance Brokers & Consultants announced today that Greyling Insurance Brokerage & Risk Consulting – a division of EPIC was selected as the broker and program administrator for the ACEC BIT Program effective January 1, 2018. “Unlike other insurance brokers and consultants vying for the business of design professionals, Greyling/EPIC has built its business with the singular goal of thoroughly understanding the business of construction and design and providing unrivaled service to engineering firms,” said Gary E. Loesch, P.E. DEE, Chair of the BIT Trustees. Founded in 2005, Greyling/EPIC is now the 10th largest commercial insurance broker in the United States and is ranked among the top 20 brokers globally. Providing risk management and insurance protection to engineering firms across the country and internationally is Greyling’s principle focus and expertise. Greyling/EPIC is staffed with a diverse group of professionals with one thing in common – a dedicated focus on the engineering profession – and is the only insurance broker serving architects and engineers with: * Attorneys on staff who have been in private practice, focused on construction law and general counsel for engineering and architecture firms * A member of the American College of Construction Lawyers (ACCL) * A former professional liability underwriter for engineering firms * A licensed engineer who served on the risk management committee of one of the largest engineering firms in the country * A former Brownfield developer and environmental consultant Said Robin S. Greenleaf, P.E. LEED AP, Trustee, “The ACEC BIT program provides access to some of the very best risk management strategies and insurance products specifically designed by engineers for engineers. Nowhere else will you find a more comprehensive, cost-effective program engineered for peace of mind. We have long known and respected the team of top professionals at Greyling/EPIC and we are confident that they will help us take our Business Insurance Trust to new levels of excellence for the benefit of participating ACEC member firms.” For decades, Greyling/EPIC has been a proud member of ACEC National and has actively participated in the affairs of many state MOs. Greyling/EPIC leaders and team members provide valuable risk management training programs, support legislative issues and industry advocacy, and have invested personal time on committee work, sponsorship funding and PAC donations at both the National and State levels. For additional information regarding the ACEC BIT Program, please contact Jeff Connelly at Greyling/EPIC (833-223-2248 or [email protected]) or any of the following BIT Trustees: Gary E. Loesch, P.E. DEE Phone: 631.756.8000, ext. 1140 Robin S. Greenleaf, P.E. LEED AP, F.ACEC Robert A. Overfield, P.E. Doris I. Willmer. P.E. LEED AP, F.ACEC Stephanie A. Wagner, P.E., P.L.S., LEED AP, BD+C, F.ACEC Michael D. Klingner, P.E. Rachel Hayden, P.E. Marc Alper, P.E., S.E., F.ACEC About EPIC Brokers and Consultants: EPIC is a unique and innovative retail property & casualty and employee benefits insurance brokerage and consulting firm. EPIC has created a values-based, client-focused culture that attracts and retains top talent, fosters employee satisfaction and loyalty and sustains a high level of customer service excellence. EPIC team members have consistently recognized their company as a “Best Place to Work” in multiple regions and as a “Best Place to Work in the Insurance Industry” nationally. EPIC now has more than 1,400 team members operating from 50 offices across the U.S., providing Property & Casualty, Employee Benefits, Specialty Programs and Private Client solutions to more than 20,000 clients. With run rate revenues greater than $400 million, EPIC ranks among the top 20 retail insurance brokers in the United States. Backed by Oak Hill Capital Partners, the company continues to expand organically and through strategic acquisitions across the country. For additional information, please visit https://www.epicbrokers.com/. Learn More: http://www.epicbrokers.com/ This version of news story was published on and is Copr. © 2018 Mortgage & Finance News™ (MortgageAndFinanceNews.com) – part of the Neotrope® News Network, USA – all rights reserved. Information is believed accurate but is not guaranteed. For questions about the above news, contact the company/org/person noted in the text and NOT this website.

https://mortgageandfinancenews.com/news-acec-business-insurance-trust-looks-to-the-future-appointing-greyling-epic-as-new-broker-and-program-administrator-2701/

The good folks of Live Fire Gear™ took the popular 550 parachute cord and added an extra strand of waterproof “Fire Tinder”. This 8th strands can be pulled out of the cord and used in the fire making process, meaning this cord the perfect replacement for zipper pulls, bracelets, lanyards and other items. Survival paracord crafted projects often have additional survival tools such as flint lock buckles, compasses, etc. added to make the item that much more survival functional. By making your next survival paracord project out of 550 FireCord, your survival item will be even more survival ready. In a survival situation making fire is a critical function. Anything you can do to make the fire making process easier significantly increases the likelihood of survival. 550 FireCord simplifies the fire making process. It’s as simple as: - untying your zipper pull or unravelling your survival bracelet made from 550 FireCord, - pulling out the strand of “Fire Tinder”, - flatten and slightly pull “Fire Tinder” apart to create a more frizzy surface - apply spark - build fire - return or use the paracord (now with the “Fire Tinder” removed) as you would normally. On your next survival paracord project make it with 550 FireCord to provide an additional level of survivability. One common question is: If it contains ignitable “FireTinder”, how do you melt the end to prevent fraying? To prevent fraying, you melt the end just like you would with regular paracord. The slow burning nature of the “Fire Tinder”, plus the fact that it is wrapped with the other strands and casing ensures the end of the cord will melt similar to regular paracord.

https://www.canadaparacord.ca/550-firecord-olive-drab-25-feet-by-live-fire-gear

By not fighting insurance battles alone Throughout history, Greeks have fought for freedom, truth and right. Whether it was the heroic 300 Spartans resisting the invading Persian hordes at Thermopylae in 480BC or responding to the dictator Mussolini’s ultimatum to surrender in 1941, with a blunt “Ochi” (NO), then staunchly repelling the invading Italian forces, Greeks have a history of defending what is right. The defeat of Mussolini’s invading troops led the UK Prime Minister Churchill to declare: “…Until now we used to say that the Greeks fight like heroes. Now we shall say: heroes fight like Greeks.” So, what does this have to do with insurance in 2022? The key to knowing how to deal with insurance companies is to have a Greek fight your insurance battles! For us at UProtectNZ, fighting for our clients’ rights is deeply embedded in our DNA. Several years ago, we “inherited” a 39-year-old client who had had insurance covers placed by a previous adviser. Following a diagnosis of terminal pancreatic cancer, we immediately lodged the trauma cover claim, including all the detailed oncology reports and everything the insurer required to process the claim. But the claims assessment dragged on and on, without justification. As a last resort, I posted on the company’s public Facebook page: “Sorry to say that I am appalled with your extremely dilatory and poor claims servicing processes. I lodged a Crisis Cover claim for a very ill client over three weeks ago. We were requested to provide additional medical information which was done immediately. The family is under huge emotional and financial stress as a result of this trauma, which is exactly the role this Crisis Cover was put in place to relieve! We need this sorted now, no more delays, no more excuses for the delays! Now!” The claim was duly paid within 24 hours to the great relief of the stressed and grateful family. Fighting for our clients’ rights is an important part of the total commitment we at UProtectNZ make to our clients. Whether at claim time or when challenging unfair underwriting assessments, we are always there to help. Insurance companies have been known to go to great lengths to avoid paying out clients when things go wrong. If this were ever to happen to you, there would be no need to feel helpless or suffer financial or emotional hardship. We understand how to deal with insurance companies, and we’ll always be in your corner to fight your insurance battles for you! It’s what we do! UProtectNZ Insurance Services

https://www.uprotectnz.com/have-a-greek-fight-your-insurance-battles/

HIGH QUALITY, MANUAL OPEN GOLF UMBRELLA You’ll love the usage of this sporty, great-lookingumbrella at the golf course or around town. LARGE SIZE AND COVERAGE This big umbrella has a 62″” arc / 51″” diameter and covers 2-3 people. SPORTY, UNIQUE HANDLE Soft-grip ergonomic take care of is comfortable and beautiful at the same time. WIND, RUST AND LIGHTNING RESISTANT Vented fabric and fiberglass frame offer protection to this umbrella from wind, rust and lightning. EASY TO CARRY Convenient carrying with matching case and shoulder strap. With 75 years in the umbrella industry, StrombergBrand stands by our motto of being “”The only umbrella brand You can ever need! Be certain this fits by entering your model number. BET ON BEAUTY AND HIGH QUALITY. You can stand out at the golf course or around town with this sophisticated, manual open umbrella. BIG COVERAGE MEANS YOU STAY DRY. With a 62″ arc (51” diameter), this large umbrella covers 2 or as much as 3 people. STAND OUT WITH A SOPHISTICATED TOUCH. The color-coordinated soft-grip ergonomic take care of gives a cool, sporty look. WEATHER THE STORM. Vented canopy and durable, all-fiberglass construction assist to windproof this umbrella against strong gusts and to give protection to it against rust and lightning. High grade Pongee Polyester fabric for quick drying. BE PREPARED. Take this umbrella around conveniently in its carry case with shoulder strap.

https://www.proshopstyle.com/product/windproof-waterproof-golf-umbrella-pga-professional-quality-golf-umbrella-ultimate-portable-golfers-golf-umbrella-for-men-and-women/

Insurance software provider chosen to enhance efficiency and competitiveness for Europa Underwriting. Europa Underwriting, a leading MGA, has selected Covernet, a premier insurance software provider, to streamline its policy management processes and elevate operational efficiency through the implementation of the Covernet ISMIS platform. Europa Underwriting joins a growing list of MGAs benefiting from the Covernet ISMIS platform, a fully functional MGA solution designed from the ground up to meet the sector’s specific needs. This strategic move underscores Europa's commitment to leveraging cutting-edge technology for data-sharing processes and gaining a competitive edge in the insurance industry. The Covernet ISMIS platform will automate the collection and processing of full cycle EDI messages for Europa Underwriting, ensuring data integrity and automatically identifying exceptions for prompt attention by the Underwriting Team. Additionally, the platform facilitates the transformation and relay of messages to Europa's capacity providers, optimizing communication channels. One of the key features of the ISMIS platform is its ability to enable further efficient underwriting at Europa. The platform's user-friendly policy screens provide underwriters with immediate access to comprehensive policy histories, including account breakdowns across every transaction. Moreover, the platform generates user-friendly PDF policy documents with all policy details readily available for review. Europa Underwriting will also benefit from a suite of reports provided by the ISMIS platform, offering easy access to Management Information (MI) across their entire book of business. This capability allows Europa to monitor portfolio performance, track individual broker performance on a daily, weekly, and monthly basis, and make data-driven decisions. The ISMIS EDI Self Service module empowers Europa Underwriting with the ability to search, review, and manage processed EDI messages independently, enabling quick resolution of exceptions and ensuring seamless operations. In addition to these features, the ISMIS platform incorporates bespoke risk engines for each product, running policy transactions through Premium Validation functionality. This process identifies any inconsistencies or issues in transacted policy premiums from broker platforms, providing Europa with valuable MI for pricing strategies. A robust accounts module within the ISMIS platform enhances efficiencies in managing both broker and insurer accounts. Brokers can access statements and process monthly accounts directly through the platform, further streamlining financial operations. Jonathan Dixon, Commercial Director of Europa Underwriting, said: "Europa Underwriting is excited to partner with Covernet and leverage the advanced capabilities of the ISMIS platform. This strategic move aligns with our commitment to operational excellence and positions us at the forefront of technological innovation in the insurance industry.” Jim Campbell, Business Development Director at Covernet, said: “We are delighted to announce this new partnership with Europa Underwriting Limited. Their team’s expert understanding of what they wanted and needed, coupled with our own team’s experience and our platform’s rich functionality and flexibility meant we were able to deliver their solution and migrate their existing business successfully within challenging deadlines. We are very much looking forward to working with the team at Europa over the months and years to come as we support their exciting plans for the future.” Covernet continues to solidify its position as a leading insurance software provider, enabling companies like Europa Underwriting to transform their operations and thrive in an ever-evolving insurance landscape.

https://www.cover.net/news/europa-underwriting-partners-with-covernet-to-achieve-policy-management-ambition/

Analysis puts Amlin, Hiscox and Catlin in UK top 10 The three biggest LLyd’s players Amlin, Hiscox and Catlin Group are among the 10 best-performing large British companies this year, boosted by forecasts of higher premiums in 2009 and gains at the expense of AIG, Bloomberg claims. In an anlysiss the agency says the insurers have risen more than 14% this year, while banks have plummeted and the FTSE 100 index of leading British businesses has fallen about 34%. Jardine Lloyd Thompson, which trades at Lloyd’s, is up 35%. Highlights of the Bloomberg report include: Amlin and Hiscox are increasing their underwriting capacity to benefit from rising insurance premiums - The structure of the Lloyd’s market allows insurers to share a common capital pool that spreads risk among several smaller companies rather than use one big one like AIG. - Amlin, Hiscox and Catlin write much of their business in dollars and their earnings will gain from the currency’s surge against the pound this year. - Amlin, up 20% in London trading this year, became the first independent Lloyd’s insurer to break into the FTSE 100 index on 22 December, and the company raised £50m of private capital to help it write more reinsurance next year. - Reinsurance, which made up about one-third of premiums written at Lloyd’s last year, is well positioned to benefit from an increase in demand - Hiscox, which has gained 18% this year, will increase 2009 underwriting capacity at its global markets syndicate by 7% to £750m pounds. - Catlin is up 14% in 2008, while the FTSE ASX Nonlife Insurance Index has risen 3%. - Amlin, which wrote 40% of its premiums in the US last year, and Bermuda-based Hiscox and Catlin will benefit from the pound’s 25% drop against the dollar this year.

https://www.insurancetimes.co.uk/lloyds-insurers-perform-best/1376083.article

Boston-based Brokerage firm adds another agency Risk Strategies is on a roll. For a second week in a row, the Boston-based insurance brokerage firm has announced another agency acquisition. This week’s acquisition is the New York-based firm Reiff & Associates, a brokerage firm providing insurance for the entertainment industry. “Reiff & Associates has a fantastic reputation for both innovation and high-touch customer service,” said Mike Christian, Risk Strategies’ Chief Executive Officer. “We are extremely excited about the strength of skill and knowledge this will bring to our efforts in expanding our entertainment and media practice.” Founded in 1983 and based in New York City, Reiff & Associates has provided customized risk management and insurance coverage for a variety of entertainment mediums including theater, television, film and media production, staging and rigging, live music, and special events. According to Risk Strategies, just some of the noteworthy productions covered by Reiff & Associates includes the musicals Hamilton and Hello Dolly, as well as film productions such as “Black Swan,” “Precious,” “The Wrestler,” and “Lost in Translation.” While initially focused on independent film and television productions, over the years the brokerage firm expanded its reputation and offerings to serve larger producers as well as insureds within the music, concert, and entertainment support industry. In total, the agency’s executive staff boasts more than 5 decades of collective experience in insuring all aspects of the entertainment industry. “We’ve built our firm by providing specialty expertise focused on very unique industries,” said Dennis Reiff, Managing Director, Reiff & Associates. “Risk Strategies understands the value of our unique expertise. For us, the ability to scale our business by becoming part of a company with an understanding of the resources we bring made all the sense.” The addition of Reiff & Associates will further strengthen Risk Strategies’ expertise in the entertainment space, while adding significant expertise in other areas such as music, staging and rigging and special events. Risk Strategies’ financial backing from private equity firm fuels growth Founded in 1997, Risk Strategies has grown over the last 18 years to become one of the largest insurance brokerage firms in the U.S. The privately-held Risk Strategies focuses on middle and upper-middle market commercial and high-net-worth clients with its vertical industry expertise including healthcare, higher education, manufacturing, professional liability, construction, entertainment, fine arts, private equity, private client and real estate. In October of 2014 Risk Strategies acquired the DeWitt Stern Group, significantly expanding its Private Client practices into New York City, Chicago, Los Angeles, and Sacramento. In July 2015, it went on to acquire the Burlingame, California-based MacCorkle Insurance Services giving it a foothold in the San Francisco area. In October 2015, the firm established a new Private Client practice in the Southern states of Tennessee, Georgia, and Alabama via its previous acquisition of the Crow Friedman Group. In November 2015, Kelso & Co., one of the oldest and most established firms in the private equity industry as well as a leading investor in the insurance sector, announced that it had acquired a majority stake in Risk Strategies.

https://agencychecklists.com/2019/07/30/risk-strategies-acquisition-reiff-31388/

Insurance plays an important role in providing relief to its customers from accidents or mishappenings in the future. Therefore, it is always important to ensure all the important and precious things. These include houses, cars, life, etc. Car insurance is very important to make sure if any accident happens, the insurance company can handle all the expenses; not only this, some of the insurance company offers several discounts and other special feature to policyholders. Examples of such companies are MetLife and Allstate. They offer similar benefits and hence can be very confusing; to make a choice between them, it is important to understand the differences between them. - MetLife and Allstate offer various insurance products, including auto, home, and life insurance. - Allstate provides more comprehensive coverage options and local agents for personalized service. - MetLife offers competitive pricing and has a strong presence in the group insurance market. MetLife vs Allstate Metlife is a global insurance company that covers car, auto and home insurance. It is an affordable option that offers the advantage of roadside assistance to the insured. It does not include accident forgiveness and employment discounts. Allstate is an American insurance company that covers auto, home, RV, condo and term life. It is a costly option that offers many discounts and benefits, such as accident forgiveness and special employment discounts. MetLife, or Metropolitan Life Insurance Company, is a company that offers insurance policies in more than 60 countries. CEO of MetLife is Michel A. Khalaf, and the founder is William P. Stewart on 24 March 1868. This covers roadside assistance, under which three ways you can have help if your car breaks in the middle of somewhere. It comes in several plans; they can be monthly or yearly with different price ranges. Allstate is a company offering insurance to over 50 countries. It was founded on 17 April 1931 by Sears, and the CEO of this is Thomas J. Wilson. It is best known for its car insurance. It offers accident forgiveness, special employment discounts, paid-in-full discounts, roadside assistance, etc., to its policyholders. It is said to be best as it covers overall all features and benefits to the policyholders. |Parameters of Comparison |Special employment discount |Paid in full discount What is MetLife? The main insurance offered by MetLife is car insurance. Following are some benefits that can be added by the policyholder for an extra price: - Replacement Cost Coverage for Major Parts. - New Car Replacement. - Custom Sound Equipment Coverage - Glass Repairs without Deductible. - Gap Coverage. - Rental Car Insurance. - Rental Car Reimbursement Coverage. Some of the benefits of MetLife are: - It offers roadside assistance under which you can have help in between roads or places if a car breaks down. - It offers several discounts. There is some disadvantage to this, such as it does not include accident forgiveness, and online application of it is not available everywhere. - User friendly. - Care program. - Roadside Assistance Reimbursement. - Fewer discounts. - Unavailability of some benefits. Overall, except for two or three discounts it offers, all discounts and benefits to their policyholder, and it is older too. Along with all the benefits, it is quite affordable and a good option for a budget-friendly person. What is Allstate? Allstate offers several types of insurance, mainly car insurance. It is famous for its features and benefits provided under the car insurance policy. It offers three types of roadside services to its policyholders. Along with this, it also offers additional discounts, such as utility vehicles, seniors, farm vehicles, etc. tops states where they are used are Arizona, California, Florida, Illinois, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Texas. Other than car insurance, it also offers the following insurance products: - Home Insurance - Renters Insurance - Condo Insurance - Rideshare Insurance (insurance for Uber and Lyft drivers) - Motorcycle Insurance - Business Insurance - Off-Road Vehicle Insurance, - Life Insurance - Roadside Assistance - Identity Protection There is an option of bundling up several auto insurances. It has a larger market share. Some pros of this insurance company are: - Work-Life Balance. - Good Benefits. - Several Discounts. Cons of policies: Overall if compared to other insurance companies, it offers more discounts and better benefits, which justifies its price range. Main Differences Between MetLife and Allstate - The feature of accident forgiveness is important to protect the driving record from getting affected by the insurance company. This feature is very important for policyholders; this feature is not included in MetLife, while Allstate has an advantage in this as it also has this feature included in the policy. - Few insurance policies offer several types of discounts, although both MetLife and Allstate offer a similar type of discount, one discount that is offered by Allstate but not MetLife is a special employment discount. - Another difference in terms of policies offered between MetLife and Allstate is in paid in full discount feature. Here also MetLife has a disadvantage as it does not offer paid in full discount to their policyholder, whereas Allstate, being advantageous, has this option as well for their policyholders. - Another coverage feature that plays an important role in protecting the interests of policyholders is roadside assistance, which is very helpful if the car breaks in the middle of the road. This assistance or feature is included free in MetLife, whereas it is optional to have this feature. The policyholder can choose if they don’t want this. - Although different plans under these insurances have a different price if looked at generally. MetLife is comparatively more affordable as all of its prices are lower than Allstate. Allstate is expensive and hence less affordable. This may be due to the reason it offers more features and discounts to policyholders. Last Updated : September 8th, 2023 I’ve put so much effort writing this blog post to provide value to you. It’ll be very helpful for me, if you consider sharing it on social media or with your friends/family. SHARING IS ♥️ Chara Yadav holds MBA in Finance. Her goal is to simplify finance-related topics. She has worked in finance for about 25 years. She has held multiple finance and banking classes for business schools and communities. Read more at her bio page.

https://askanydifference.com/difference-between-metlife-and-allstate/

General Search & Recruitment (GSR) is a professional firm specializing in insurance staffing. With over 43 years of expertise in the industry, we have become experts in identifying the best talent in the insurance sector. Our primary focus areas include underwriting, claims, and sales. We have a deep understanding of the industry's requirements and the skills needed for success in these areas. At GSR, we believe in building valuable relationships with both professionals and employers. We continuously adapt to the industry's pulse, staying up-to-date with the latest trends and changes. Our comprehensive approach spans from sourcing to screening candidates, ensuring the perfect fit for each job opening. We have a proven track record of successfully refining and redefining the recruitment process to meet the evolving needs of the insurance industry. Why Choose Us? - 43 years of insurance staffing expertise - Specialization in underwriting, claims, and sales - Deep industry knowledge - Valuable relationships with professionals and employers - Continuous adaptation to industry trends - Refined and redefined recruitment process At GSR, we offer a range of services to meet the unique needs of our clients: - Sourcing and screening of candidates - Job placement - Consultation and guidance in the recruitment process - Industry insights and trends Call to Action Looking for expert insurance underwriting recruiters in NC? Trust General Search & Recruitment to find you the best talent in the industry. Contact us today to learn more about how we can help. Visit our website for more information and to browse our job listings.

https://gsr4you.com/insurance-recruiters/insurance-underwriting-recruiters-in-nc-2/

Post Podcast: Insurance is now having to compete with a whole new breed of companies, including Deliveroo, for fresh talent, according to Grant Clemence, chair of the QBE Foundation. RSA’s chief of staff, Alina Jipa, shares ways to tackle insurance’s boring image and improve the sector’s career path. After a decade with Ageas UK, its CEO, Ant Middle, speaks to Tom Luckham about the changes he’s witnessed, reflects on 2023, muses on his early dreams of footballing stardom, and shares plans to grow the business in 2024. Friday Round-Up: Insurance Post wraps up the major insurance deals, launches, investments and strategic moves of the week. Frank Streidl, UK head of commercial insurance at Zurich, has said the insurer has had to “go on the defence” as competitors look to reshape and retool their commercial lines businesses. Emsal Arslan, wording technician at RSA, has an alarm clock with a waggy tail and shares her work to ensure policy wordings are clear and easily understandable. Amanda Blanc, the group chief executive officer of Aviva, has been awarded a Damehood in King Charles the Third’s second New Years Honours List. Gemma Jackson RSA’s head of DEI shares how the insurer is taking a data driven approach to improve inclusion and build a competitive advantage in the industry. Following the £115m deal to buy RSA’s direct home and pet business, Admiral’s deputy CEO of UK insurance explains how the business intends to continue to grow these lines. A former RSA employee, who stole customer details and sold the information to claims management companies, has been jailed. Proposals to make Pool Re a treaty reinsurer could lead to a greater proportion of UK SMEs taking out terrorism cover, senior industry figures have said.9 Admiral is the preferred bidder for the RSA household and pet insurance books, Insurance Post can reveal. As COP 28 kicks off on 30 November, Emma Ann Hughes examines how the race to net zero is creating stranded assets, affecting insureds and insurers. View from the top: Yasemin Dogu, chief auditor at RSA, reflects on her career journey, moving to the UK from Turkey, and how it informs her commitment to improving the diverse make up of the industry. A law firm claiming to represent thousands of SMEs has initiated dozens of fresh Covid-related business interruption court proceedings. Data analysis: Admiral, Direct Line Group, Aviva, Axa and RSA were the most complained about general insurers in the first half of 2023, according to the latest Financial Ombudsman Service data. Editor’s View: Artificial intelligence is taking over Insurance Post from 13 to 17 November, causing Emma Ann Hughes to consider how generative AI is transforming the insurance sector and your favourite trade title. As sister title Insurance Age takes over the Birmingham NEC for Broker Expo and the Broker Awards, Insurance Post looks at the challenges and opportunities facing the city’s insurance sector. Allianz chief claims officer Graham Gibson, pictured, won the prestigious Achievement Award at the Insurance Post Claims and Fraud Awards yesterday evening (5 October) at The Brewery. Susanna Nicholls, senior business analyst at RSA, shares the struggles she has faced as a carer to her son and how she is shaping policies to ensure colleagues can strike a balance between fulfilling their career ambitions and looking after loved ones. Content Director’s View: With RSA and parent Intact floating the idea of a possible sale of its remaining personal lines business, Jonathan Swift looks at who could be in the market for a new pet and/or household book.

https://www.postonline.co.uk/organisations/rsa

Intelligent Capacity Matching Our AI Dispatch Agent seamlessly taps into your TMS, such as LOST FR8, to provide brokers with up-to-date capacity information. The AI analyzes available truck lists and schedules, offering brokers accurate details on available transport space, helping to maximize load efficiency. Real-Time Load Updates With a single query from brokers about specific load numbers, our AI Dispatch Agent consults your TMS, like Transport Pro, delivering real-time updates on load status. This feature ensures that brokers receive timely information, enhancing trust and streamlining communication. ELD Integration for Asset Tracking The AI Dispatch Agent offers precise location tracking by interfacing with ELD systems such as Samsara. Whether it's finding the nearest truck or trailer, the AI provides exact locations, reducing wait times for updates and improving overall logistics management. - Reduce manual workload for dispatchteams by automating routine inquiries. - Enhance broker satisfaction with instantaneous responses and updates. - Improve asset utilization through smart, AI-driven dispatch solutions. - Ensure compliance and oversight with integrated ELD data analysis. This comprehensive AI solution is not just about providing information; it's about transforming the way carriers operate, making every interaction more efficient and every decision data-driven.

https://www.happyrobot.ai/usecase/ai-dispatch-agent

Elite Insurance Brokers Elite Insurance Brokers Private Limited is Group company of Elite Wealth Advisory Ltd which was established in 1990, One of today’s upcoming financial service company of India. Elite Insurance Brokers offers a wide range of risk management solutions to individuals and institutions. Elite Insurance Brokers Private Limited License Number is 512 and License code is IRDA/DB507/11. Elite Insurance Brokers Private Limited is promoted by a team of professionals with decades of domain experience in the Insurance Industry. We provide a wide array of services from identifying potential risk, analyzing risk, providing the solution that is suitable to the risk evaluated, underwriting risk (evaluation of risk and classification of risk), determine coverage, and most importantly the assistance and guidance for claim settlement. About Elite Wealth Advisors Ltd Through the years, Elite Wealth Advisors Ltd has developed itself into a Financial Planning and Wealth Management Company. Mr. Ravider Prakash Seth, the founder started the journey of Elite in 1991. Today he is the Chairman of a strong and visionary leadership team, & experienced wealth managers & financial planners at the forefront of the organization. Elite Wealth Advisors Ltd. offers a wide spectrum of services that include Wealth Management, Discretionary Portfolio Management and Financial Planning. To be a trusted leader, providing valued products, services, and solutions. Elite Wealth’s ardent endeavor is to offer its esteemed customers quality investment services based on meticulously researched investment strategies to add value to their money. Elite Wealth’s mission is to pursue long-term relations with its customers by offering competitive business terms, latest technology based infrastructure and well researched information to enhance their investment decision making. Elite Wealth is committed to offer expertise to its clients in managing their portfolio with the aim of bringing returns on their investment. - Trust & Integrity - Employee Engagement - Customer Focus - Behaviors aligned to Core Values — “We Will” Expectations

https://insuranceelite.in/about-us/

Insurance Company Comparisons / Compare Buying Insurance: Coverage Cat vs. PolicyGenius Coverage Cat makes an opinionated choice about what you should buy to match up with your risk policy preferences. By making this choice and fighting for price transparency we think we have what it takes to shake things up in the consumer insurance brokerage space. PolicyGenius is an online insurance marketplace that compares quotes and coverage options from multiple insurers for consumers. They offer a range of insurance products, including life insurance, disability insurance, pet insurance, and renters insurance, among others. Founded in 2014, PolicyGenius is a leading player in the online insurance space, it attracts millions of users and has earned a reputation for its easy-to-use platform and comprehensive coverage options. Coverage Cat is an insurance brokerage on the quest to provide our users with the best-fit insurance coverage at the best price. We work across car/auto, homeowners/renters, and umbrella insurance to help users in CA, FL, NY, TX, and WA never have to think about their insurance again. We’re impressed by the progress that PolicyGenius has made in improving the customer journey for insurance buyers. It’s much easier now to buy insurance online than when they first kicked things off! But we still think there’s more ground to be covered in making it seamless for users to buy insurance off the shelf. Coverage Cat makes an opinionated suggestion about what you should buy to match up with your risk policy preferences. By making this choice and fighting for price transparency we think we have what it takes to shake things up in the consumer insurance brokerage space. Copyright © 2024 Coverage Cat. All rights reserved. Built with ♥ in 🗽 Coverage Cat, Inc. is a licensed insurance broker (or producer). In California Coverage Cat does business under the name Coverage Cat Insurance Services. Coverage Cat’s license numbers are listed here. Coverage Cat places insurance with a number of insurance companies, each of which is not an affiliate of Coverage Cat.

https://www.coveragecat.com/comparison/policygenius

Growth Trends for Related Jobs A Job Description for a Ticketing Agent A ticketing agent is responsible for selling tickets to passengers for various modes of transportation. This includes airliners, commercial bus lines and railroads. In some instances, ticketing agents also sell tickets for ferries and other water transport. However, a job as a ticketing agent isn't only limited to selling tickets but includes other responsibilities as well. Ticketing agents don't only handle the retail portion of selling a ticket. They also deal with planning schedules for customers and helping them reach their destination via the best route and at the lowest cost. Ticketing agents must be familiar with schedules and be able to answer questions about travel times, connections and layovers. Other duties include helping passengers who missed a flight or connection to re-schedule their travel plans and get them to their destination as quickly as possible. Ticketing agents often are the first people to handle your luggage. When you check in at the airport, ticketing agents weigh your luggage and then take it from you so it can be sent down to the baggage handlers. Ticketing agents must display patience in stressful situations because traveling can bring out the worst in people. The best ticketing agents can solve problems quickly and easily placate angry customers. Because people travel at all times, ticketing agents should expect to work at any hour, including nights, weekends and holidays. Most travel companies require their ticketing agents to be well-groomed and well-dressed. Ticketing agents need the equivalent of a high school diploma before being considered for the job. Possibilities for Advancement There is not much upward mobility for a ticketing agent. In some situations, they may be promoted to supervisors or sales representatives. Some of them even move on to become flight attendants. Pay and Outlook According to the U.S. Bureau of Labor Statistics, ticket agents and travel clerks averaged $34,710 per year as of 2013. The BLS predicts a 3 percent loss of jobs for ticket agents between 2012 and 2022, compared to a 11 percent increase for all occupations. The Internet is making booking your own travel arrangements easier, thus reducing the need for ticketing agents. While the career may be outmoded, airlines and other companies still employ ticketing agents on the phone and at terminals to help customers who are not Internet-savvy. David Harris is a writer living in Portland, Ore. He currently is the editor-in-chief of the online magazine Spectrum Culture. He holds a Master of Fine Arts in creative writing from Sarah Lawrence College.

https://careertrend.com/about-6693509-job-description-ticketing-agent.html

Written by The Insurer | 14th February 2023 Gracechurch has awarded its Service Quality Marque to eight London insurers in 2023, The Insurer can reveal. The insurers that have achieved the 2023 Service Quality Marque are: Aegis, Beazley, Chaucer, Chubb, Convex, Fidelis MGU, Liberty Specialty Markets and Tokio Marine Kiln. All the listed insurers were recommended by claims broking specialists and exceeded the threshold of 75+ percent positive ratings for communications and commerciality. On the insurers, Ben Bolton, managing director of Gracechurch, said: “The people and cultures in these businesses should be exemplars for the rest of the market because their teams are 100 percent committed to delivering excellent service, even in challenging conditions.” However, Bolton added: “There is still too, sadly, a rump of insurers who struggle to get service right and this is a drag on service overall, but the signs are that the best will help raise the bar over time. “The evidence shows that many claims teams in the London market really are some of the best in the world: unfortunately this is not sufficiently recognised and the market isn’t selling this as a point of superiority, even though placing and producing brokers want the ‘proof’. “Going forwards I’d like to see honest recognition of the best and for this to be built into broker recommendations so that the bar is raised. We also want to see the London modernisation programme prioritising claims for technology investment,” he said. Christopher Croft, CEO of the London & International Insurance Brokers’ Association, concluded: “Congratulations to the Service Quality Marque achievers in 2023. It’s great to see the Gracechurch Quality Marque, which was originally agreed with LIIBA, being so widely used by successful claims teams and also to know that behind the scenes many more are working hard to improve service and achieve the accreditation so that the London claims bar is raised over time.” The London Service Quality Marque achievers are also showcased at https://theinsurindex.com/service-quality-marque-achievers-2023/ In November, Gracechurch revealed that Lockton’s Maxim De Prins had retained his position as London’s top overall broker for the second year in a row.

https://www.gracechurchconsulting.co.uk/post/gracechurch-awards-service-quality-marque-to-eight-london-insurers

Welcome to the 11th Actuarial Post Awards 2023 Proudly Sponsored by Aon, Bolton Associates and Star Actuarial Futures Actuarial Post Awards Welcome to the 2023 Actuarial Post Awards. We have been celebrating and rewarding talent and achievements of individuals in the actuarial arena since 2012. We would like to thank our sponsors who continue to support the awards, this year AON continue to sponsor Actuary of the Year and Bolton Associates likewise with GI Actuary of the Year and Star Actuarial Futures sponsor Sustainability Actuary of the Year. WINNERS ANNOUNCED IN THE DECEMBER ISSUE OF ACTUARIAL POST Stars of the Future It’s vital to remember that we all started somewhere and becoming an actuary is no easy feat. We relish in acknowledging the emerging talent within the actuarial market and celebrate the ones to watch with our Stars of the Future Awards. 20+ finalists are celebrated and highlighted with three lucky winners taking home an award. VOTE HERE NOW – WINNERS ANNOUNCED IN THE NOVEMBER ISSUE OF ACTUARIAL POST Latest Actuarial Post Actuary of the Year 2021 Star of the Future 2021 Actuary of the Year 2019

https://apawards.co.uk/

A vehicle catching fire is no more newsworthy than a dog bite—unless of course it’s an EV that goes up in flames. Tesla, which suffered a spate of bad publicity following three highly-publicized vehicle fires in 2013, wants to set the record straight. In its 2020 Impact Report, the company presents data to demonstrate that ICE vehicles catch fire at a vastly higher rate than do Teslas. In 2019, there were almost 190,000 vehicle fires in the US alone—only a tiny fraction of them involving EVs. “From 2012 to 2020, there has been approximately one Tesla vehicle fire for every 205 million miles traveled,” Tesla tells us. “By comparison, data from the National Fire Protection Association (NFPA) and US Department of Transportation show that, in the US, there is one vehicle fire for every 19 million miles traveled.” “In order to provide an apt comparison to NFPA data, Tesla’s data set includes instances of vehicle fires caused by structure fires, arson and other reasons unrelated to the vehicle, which account for some of the Tesla vehicle fires over this time period.” Battery fires are rare, but they do happen—Chevrolet recently recalled 51,000 Bolt EVs after a few fires that appear to have been caused by defective battery modules. The laws of physics dictate that any medium that can store enough energy to drive a car—gasoline, a battery, or anything other than “distilled unicorn tears,” as one wag quipped back in 2013—can cause a fire if something goes wrong. Tesla and other automakers go to great lengths to minimize fire risk when they design their battery packs. Tesla co-founder Marc Tarpenning told me back in 2013 that, when the Tesla team designed the Roadster, their efforts to ensure that its batteries were safe “verged on paranoia.” Tesla’s battery packs are designed so that each cell is isolated from its neighbors, so a single overheating cell won’t cause a chain reaction. They contain sensors that monitor acceleration, deceleration and tilting of the vehicle, in order to detect a crash, as well as sensors that detect smoke and overheating. Will the risk of fires increase in the future, when there are large numbers of older EVs on the road? Following the release of Tesla’s data, some online commenters surmised that the majority of ICE fires probably occur in older, poorly maintained vehicles, and suggested that in order to get the whole story, we need to know the average age of vehicles that catch fire. Fortunately, efforts to improve safety are ongoing. “We continue to improve our battery chemistry, cell structure, battery pack structure and vehicle passive safety in order to decrease fire risk to as close to zero as possible,” says Tesla. “Finally, for the rare instances where Tesla vehicles are involved in a fire, we make detailed information available to first responders so they can safely handle those emergency situations.” Source: Charged EVs

https://www.chargingrentals.com/tesla-says-fire-incidents-are-11-times-lower-for-its-vehicles-than-for-the-average-us-vehicle/

Zurich Life & Investments has expanded its operations staff by appointing Suzi Leung as its new chief claims officer (CCO), efficient instantly. Earlier than taking over the brand new position, Leung was the chief operations officer (COO) of Zurich Common Insurance coverage since January 2021. Earlier than that, she spent two years as the pinnacle of operational providers and delegated claims, and eight years in numerous claims and operational roles inside Zurich Australia, Switzerland, and North America, with roles and tasks starting from private harm claims and enterprise transformation to oversight of Zurich’s actual property belongings in Australia and New Zealand. As the brand new CCO of Zurich Life & Investments operations staff, Leung will concentrate on sustaining Zurich’s claims method and delivering on its claims transformation journey. She’s going to report back to Zurich Life & Investments COO Hilary Bates. Leung, who will proceed in her present place as COO for common insurance coverage till mid-March, commented: “I stay up for persevering with my journey at Zurich and can preserve our greatest in market claims philosophy by approaching every declare with care and empathy. That is particularly vital as we migrate our OnePath retails claims onto Claims Vantage.” Zurich has been increasing its Life & Investments management staff for the reason that starting of 2022, with Leung’s appointment following the doorway of Ahmad Racheha as the brand new head of digital and member engagement.

https://visualassembler.com/zurich-unit-hires-new-chief-claims-officer/

Australia largest general insurance group Suncorp has announced it has successfully integrated a Watson-based liability verification engine to support its online claims process. Utilising IBM Watson’s Natural Language Classifier, the system analyses customer descriptions of motor vehicle accidents to determine liability. The technology has been rolled out across Suncorp’s main subsidiaries, including AAMI, Suncorp, GIO and Bingle, but is currently limited to processing online claims only. Since its initial launch in July 2017, Suncorp said it has tripled the proportion of customers fast-tracked through the AI-backed system. The insurer claims the system can lodge, pay any excess (if required) and book repairs within five minutes. Gary Dransfield, Suncorp chief executive, insurance, said the technology serves not only to “augment our claim consultant’s knowledge and expertise,” but also instil “greater confidence in our liability decisions.” “By integrating Watson, not only is our claims process streamlined, but we have further improved the consistency of our liability decisions while establishing a reliable reference point based on a very large history of claims and industry guidelines,” he said. In its initial test phase prior to its full rollout, Suncorp claimed Watson was able to accurately determine liability in around 90 per cent of cases. As a failsafe, if the system is unable to determine liability with full confidence – by not meeting a minimum predetermined confidence rating – claims will be automatically routed to a human adviser for final assessment. Suncorp trained Watson on the complexities associated with determining liability in motor vehicle accidents using nearly 15,000 de-personalised claim scenarios and the resulting liability determination, in line with guidelines from the Australian Prudential Regulatory Authority (APRA). The company said its unique adaptation can process conversational statements, including Australian colloquialisms and slang, to effectively determine liability. Developed in IBM’s DeepQA project by a research team, Watson is an AI-backed ‘cognitive computing’ system designed to answer questions posed to it in natural language. Suncorp’s online claims platform utilises Watson’s Natural Language Classifier to analyse text submitted by claimants, applying business rules and recognised keywords from which it makes a determination. The system then attaches a “confidence level” to the decision, based on what the system knows of similar decisions that have occurred in the past.

https://fst.net.au/financial-services-news/suncorp-deploys-watson-ai-in-claims-processing/

- Britain’s leading luxury motor dealer group, H. R. Owen, has launched a bespoke insurance concierge service for its high-net-worth clients’ private and corporate needs - H. R. Owen Insurance Services allocates a personal and confidential broker to manage and oversee the policy – from creating a bespoke package, to renewals, amendments and claim management - H. R. Owen Insurance Services covers a client’s entire high-value personal and business portfolio; from fine art, luxury cars, yachts to investment properties and corporate insurance H.R. Owen – Britain’s leading luxury motor dealer group – has launched its new luxury stand-alone insurance service for its high-net-worth clients’ private and corporate asset portfolio. This is the second high-profile launch from the group this month, and follows the successful launch of H.R. Owen Classic Cars. H. R. Owen is world-renowned for providing the very highest levels of customer care offering a concierge level of service for clients; making the process of purchasing a luxury car exactly tailored to its clients’ needs. To take the client experience to new levels, H. R. Owen partnered with Stackhouse Poland Ltd to create an insurance service second to none. Proving a bespoke, personal insurance service, H.R. Owen Insurance Services (HROIS) tailors packages for a client’s entire personal and corporate luxury insurance needs – from fine art, luxury cars, yachts to investment properties and corporate insurance needs to create one single policy. HROIS provides a personal and confidential Client Relationship Manager to review a client’s current insurance in its entirety, reviewing prices and providing a bespoke report and recommendations to ensure that cover and premiums remain competitive and assets remain protected. This service can be offered on just one vehicle or an entire asset portfolio. HROIS can provide a complimentary and ‘fee free’ service to clients visiting their home address to review current arrangements and advise on how to provide the best risk management services at a bespoke level. Once cover is taken out, the Client Relationship Manager will be on hand to provide advice, make any amendments and review and renew the policy, as well as overseeing managing a claim. H. R. Owen Insurance Services Managing Director Claire Manton said: “I have been in the classic and luxury car insurance industry at the highest level for over 15 years, looking after wealthy clients worldwide. Launching H. R. Owen Insurance Services provides something new to the market – a completely one-off luxury insurance purchase and management process tailor made for high-net worth individuals around the world. H.R. Owen completely understand the needs of their client base and this new launch further strengthens our ability to offer a complete customer experience and concierge-levels of service” Insurance Services is just another demonstration of the full-service approach that H.R. Owen dedicates to its clients. The H.R. Owen Group not only operates in sales and service of premium luxury cars, but it also offers a number of related divisions in the dealership, including Luxury Car Hire and Chauffeur Drive alongside the recently launched H.R. Owen Classic Cars division. Influence Associates was built to be the best automotive PR, motorsport PR and classic car PR agency in the world. With the most senior leadership team in the auto PR sector, we’re perfectly placed to deliver a world-beating service to our portfolio of blue-chip clients. We are brand builders, content creators, reputation managers and strategists. With a team of ex-managing directors, global PR directors and national magazine editors, we go beyond PR to help shape the overall business strategy of all our clients.

https://influenceassociates.com/h-r-owen-launches-luxury-full-service-insurance-service/

Strength. Knowledge. An integrated, value-focused approach. In an ever-changing risk landscape, the partner you choose to help protect and strengthen your business needs to offer you all of these things. For two years running, we’re honored to have been named “Best Insurance Broker in North America” by Global Finance magazine, based on responses from more than 1,200 readers around the world and a panel of risk management and financial executives from major global companies. Tailored insurance and risk management solutions from a premier team Across all industries and across the globe, we understand the unique risk exposures your business faces, and are dedicated to tailoring the right solutions to help protect your company both now and in the future. From property and casualty, professional risk and life products to employee benefits and private risk, our offerings run deep. Just as importantly, so does our knowledge. Every day, our experienced teams help businesses navigate smoothly through a myriad of issues — from healthcare legislation and complex cyber risk to special risks and enterprise risk management. The strength of a bank partnership We also understand that in today’s environment, it’s critical for businesses to look beyond just insurance and consider their total cost of risk. That’s where Wells Fargo Insurance brings something to the table that’s unavailable from most other firms: a bank partnership. As part of one of the most respected financial institutions in the world, we draw upon the vast knowledge and experience of our commercial and corporate banking partners to bring our customers an integrated, value-focused perspective. Our dedicated, industry-focused professionals engage with you in meaningful conversations not only about your insurance needs, but your finance, treasury and risk management strategies as well. And with our strong relationships with highly rated insurance carriers and international reach, we’re able to customize our programs and negotiate competitive rates on your behalf. In a market where change is one of the few things you can be certain of, you can rely on Wells Fargo Insurance. We’ll work together with you to help you get more value from your insurance coverage, strategically manage your exposures, and ultimately achieve a stronger competitive position.

https://insuremypath.org/careers-in-insurance/partner-profiles/wells-fargo-insurance

Name: Gavriel Schneider Current title: CEO Current organisation: Risk 2 Solution Dr Gav Schneider is an acknowledged leader in the field of human based risk management and the psychology of risk. He is the creator of the concept of Presilience. He is a highly experienced, security, safety, emergency and risk specialist with decades of experience. A serial entrepreneur, Dr Gav has conducted business in over 17 countries and provided a wide range of services for a very diverse client base, ranging from heads of state to school teachers, he has built several multimillion dollar businesses since starting his first business in 2001. He is a leading academic in his field and heads up the Post Graduate Psychology of Risk program at the Australian Catholic University (ACU). Dr Gav is a much sought after international speaker and author. He is the CEO of the Risk 2 Solution group of companies which are a group of 4 companies that focus on delivering innovative and cutting-edge solutions in the Risk, Intelligence, Safety, Security, Medical and Emergency response sectors. He is also the author of the highly acclaimed ‘Can I See your Hands: A Guide to Situational Awareness, Personal Risk Management, Resilience and Security’ available for purchase, here. Dr Gav has been recognised for his work and was the RMIA Risk Consultant of the Year for 2019 and one of the top twenty global thought leaders in fire and security in the IFSEC Global Security & Fire Influencer Awards for the last 3 years in a row. He is also a lifelong martial artist holding several Master grades and has been acknowledged as one of the worlds leading martial arts masters by the World Martial Arts Masters Association (WMAMA). Resources mentioned in this episode:

https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy50cmFuc2lzdG9yLmZtL2xlYWRlcnNoaXAtY29udmVyc2F0aW9ucw/episode/MmZkN2NmYjctM2VjNC00MmQ3LThlNDYtZjJlNzlkMzgzNjE5?sa=X&ved=0CAUQkfYCahcKEwiY1rfrzK73AhUAAAAAHQAAAAAQAQ

UR Asia 2021 brought together experts and practitioners from Asia and all around the world to showcase the best practices and latest innovations in the field of disaster risk identification and communication. Understanding Risk (UR) BC 2020 is a collaborative, online symposium that will foster place-based risk reduction strategies to proactively enhance resilience and improve disaster recovery pathways in BC. Tanzania's first zero waste event brought 250+ participants to discuss issues of urban resilience. idRc 2019, “from Risk to Resilience” is the organization of the international peer-reviewed Resilience Journal and its editorial group. Toward a Resilient British Columbia: Implementing strategies to reduce natural hazard risk in BC's Built Environment. April 16 & 17, 2018, at the Victoria Conference Centre. What did you miss in Tanzania? Check out our post-conference summary An exploration of actionable strategies to reduce earthquake and flood risks in the Georgia Basin, Vancouver, Canada. Thank you for joining us in Venice! We saw more than 650 attendees from 100 countries and over 350 institutions, making this the most global forum yet. The Understanding Risk and Finance (UR&F) conference is part of the program, “Building Disaster Resilience to Natural Hazards in Sub–Saharan African Regions, Countries, and Communities”. UR Boulder convened the talent and expertise of Boulder, Colorado's communities, scientists, technologists, and government to develop shared understanding of the challenges we face relating to risk. UR Boulder is a local spinoff of UR events.

https://www.understandrisk.org/event-type/conference/

An international insurance arm of Starr Companies’ earned some positive ratings attention from A.M. Best. The ratings agency assigned a financial strength rating of “A” (Excellent) and an issuer credit rating of “a” to UK-based Starr International (Europe) Ltd. (SIEL). The outlook assigned to each rating is stable. Starr International’s ratings reflect its excellent risk-adjusted capitalization, the expectation of good prospective operating performance and its good business profile as a subsidiary of Starr Insurance & Reinsurance Ltd. (SIRL), which is itself a subsidiary of Starr International Co. Inc., said A.M. Best. A.M. Best also noted that Starr International gets explicit support from its parent company in the form of a capital maintenance agreement. At the same time, it relies on reinsurance, with the company expecting premium retention to be approximately 30 percent, said the ratings agency. “In March 2016, the UK insurance regulator, the Prudential Regulation Authority, authorized SIEL to write non-life insurance, enabling it to write business previously written by the existing London branch of SIRL with effect from July 1, 2016,” A.M. Best continued. The new company received US$100 million of capital from SIRL, “thereby ensuring an excellent level of risk-adjusted capitalization for the immediate future,” A.M. Best said. The ratings agency expects SIEL’s prospective operating performance to be good, with earnings underpinned by solid underwriting profits, boosted by reinsurance commission and modest investment income, a reflection of SIEL’s conservative investment portfolio and the low interest rate environment. Potential volatility will be reduced by quota share and other reinsurance arrangements, A.M. Best said. “SIEL is likely to benefit from a good business profile as a member of the Starr International Insurance group, a global group providing property, casualty, and accident & health insurance products, as well as a range of specialty coverages including aviation, marine, energy and excess casualty insurance,” said A.M. Best. The London branch of the Starr International Insurance group has been operating since 2010, and in 2015 it led on almost 40 percent of risks written, the ratings agency said. “With nearly all of its business written on a direct and facultative basis, SIEL has an established market presence with insurance brokers,” it added. Source: A.M. Best

https://www.carriermanagement.com/news/2016/08/08/157552.htm

Markel UK, Leading insurance, legal and tax service provider to UK SMEs, has announced a partnership with Cytora to administer the latter’s platform to streamline rise intake across property and casualty lines. Markel UK has partnered with Cytora to deploy Insurtech’s platform to facilitate its risk intake across UK P&C lines. Cytora’s platform can digitally and automatically filter risk submission to the right underwriter. Cytora is an insurance technology platform that provides digital processing of risk. Through this partnership, Markel will enhance its capacity and accelerate profitable growth by providing better service to brokers and clients. Cytora platform will become a core part of Markel’s new business workflow by Increasing the capacity for growth in target segments through a more effective, efficient and intelligent in to end pipeline quote and deal process. This partnership between Cytora and Markel comes as Markel has grown significantly over the past 24 months while achieving a market-leading service level, which includes being awarded commercial lines Insurance of the year by insurance Times. Markel UK’s divisional Managing Director, Neil Galjaard, says that the company is committed to giving brokers and clients an enhanced service level. And Cytora will enable Markel to create capacity to effectively grow companies scale in its key sectors and allow underwriters to provide improved service to customers and brokers. Richard Hartley, Cytora’s CEO, said that the commercial insurance industry is undergoing a fundamental transformation. The company is excited to partner with Markel, building on the success of this relationship and excellent translation to become a digitally enabled Insurance Company.

https://altaworld.tech/markel-uk-partnership-with-insurtech-platform-cytora/

School of Public Policy The School of Public Policy (SPP) opened its doors in the fall of 1997 with a unique curriculum designed by the famed social scientist, James Q. Wilson. The mission of the School of Public Policy is to prepare public leaders across the government, nonprofit, and policy-related business sectors. The school's 20-month master of public policy (MPP) degree is one of the highest-ranked programs of its kind in the West, and is widely recognized for its distinctive coursework that balances analytical coursework with classes in the history of policymaking and a Great Books approach to moral leadership. With its "1 Degree / 5 Specialization" curriculum, students customize their class schedule with options in: - American Policy and Politics: Careers on Capitol Hill and think tanks, private sector consulting firms - Applied Economic Policy: Careers in academia and policy research organizations/nonprofits - International Relations and National Security: Careers in Foreign Service, intelligence agencies, and international NGOs - State and Local Policy: Careers in state and local governments, education policy and school districts, local nonprofits, and private sector consulting firms - Public Policy and Dispute Resolution: Careers in national/international policy and private-sector companies SPP's 1,000+ alums work throughout the country and around the world in positions ranging from city management to Capitol Hill and the World Bank. While the school's largest alumni chapter is in Southern California, its second largest is in Washington, DC. The School of Public Policy hosts a busy events calendar on both its Malibu campus and in Washington, DC, welcoming leading policymakers and political leaders to discuss their careers as well as current events. SPP places a premium on professional development throughout its 20-month program, and continues to support graduates with career services for years after graduation. The School of Public Policy operates four centers: - Davenport Institute for Public Engagement and Civic Leadership: One of America's leading academic institute's focusing on training local government leaders in public engagement and the use of technology to improve government transparency - HSAC@SPP: The Homeland Security Advisory Council at SPP has quickly become a noted center teaching and training in emergency management and crisis leadership - Education Policy and Impact Initiative: This program teaches and trains the next and current generations of education policy leaders through coursework and events - American Project: The "Project" is comprised of leading academics and activists exploring the future of the American conservative movement through opinion writing and panel events

http://library.recoverysoftw.com/academics/schools/spp/

It’s a sad truth that building owners have to worry about burglars breaking into their buildings to steal copper wire and pipes. Many insurance companies don’t cover damage as a result of theft, but a lot of them do cover any damage related to burglars breaking in and exiting a building. However, a recent case from the Texas Court of Appeals demonstrates that you may not be covered for everything you thought you were. In a case of first impression, Essex Ins. Co. v. Eldridge Land, L.L.C., no. 14-09-619, 2010 WL 1992833 (Tex. App. – Houston [14th], May 20, 2010, pet. pending), the Texas Court of Appeals for the 14th District in Houston interpreted provisions in a commercial property insurance policy concerning vandalism and damage from theft. In Essex, Eldridge owned a vacant building insured by Essex. On March 28, 2006, Eldridge’s property sustained considerable damage when some intruders forced their way into the building and damaged sheetrock, ceiling tiles, electrical conduit boxes, and wall coverings. They also removed copper wiring and copper pipe from the building. With respect to vandalism, the policy stated: 8. Vandalism, meaning willful and malicious damage to, or destruction of the described property. We will not pay for loss or damage . . . [c]aused by or resulting from theft, except for building damage caused by the breaking in or exiting of burglars. Eldridge argued that: (1) the damage caused to the property in the course of removing the copper wiring and pipes was vandalism and was not excluded from coverage by the theft exclusion; (2) alternatively, the damage was caused by the intruders “breaking in” to parts of the building to retrieve the copper and thus fell under the exception to the theft exclusion; and (3) at a minimum, Eldridge’s interpretation was reasonable and the contract should be construed in its favor. The Court construed the policy “in accordance with the ordinary rules of construction,” according to the ordinary and generally accepted meaning of the terms used unless the policy states otherwise. With respect to ambiguous policy language, the Court “construe[s] an ambiguous insurance policy strictly against the insurer and liberally in favor of the insured.” The Court ruled in favor of the insurer for two reasons. First, the Court did not believe the language was ambiguous. Second, the Court concluded that the evidence was clear that all of the damage was done for the purpose of removing the stolen pipes and wiring, which the Court determined was not “breaking in,” and was not covered by the policy. The Court decided that the only damage covered by the policy was that caused by the intruders in entering and exiting the building – as in through a door or window. Because Essex was a case of first impression, you should expect additional case law in the future that will better define what is and is not covered under theft exclusions. For the time being, however, be aware that insurers with policies having language addressing “breaking in or exiting” the building may attempt to disclaim coverage because of the language in this opinion.

https://www.propertyinsurancecoveragelaw.com/blog/texas-insurance-law-vandalism-coverage-and-theft-exclusions/

5 Hotel Magento Themes & Templates Choose from our premium range of magneto themes and templates dedicated for hotel websites. We have integrated cool features in these templates like flex sliders, unlimited banners, cloud zoom capability, advanced mega menu, custom tabs, dropdown menus and a lot more. You May also visit Salon Magento Templates. You can customize these templates according to your preference with the help of multiple color schemes, Google fonts, background variants etc. You can also see Hotel Bootstrap Themes. Hotel Magento Responsive Theme Royal Hotel Magento Theme Restaurant Responsive Magento Theme Travelers Paradise Hotel Magento Theme To make your hotel website classier than the rest, use the Travelers Paradise Hotel Magento Theme which has integrated features like flex sliders, plethora of banners, and wide range of mega menu with advanced custom tabs. Travel Agency Hotels Magento Theme Create a customized hotel website with Travel Agency Hotels Magento Theme. It has the advanced features like cloud zoom capability, advanced mega menu, various dropdown menu, multiple colour schemes, plenty of background HD images etc. Dream Hotels Magento Travel Theme Integrated with trendy features, the Dream Hotels Magento Travel Theme has been widely used by designers. The customisable menus, cloud zoom capability, flex sliders, and numerous display ready background images makes is a favourite among the designers. To add more we offer multiple lingual support, installation guide and necessary contents for blocks that make it easier to figure out the available features. Download these and make your own functional hotel website quickly.

https://www.template.net/ecommerce-templates/magento-templates/hotel-magento-theme/

Taylor Whatcott joined Wilde Wealth Management Group in May of 2022 to lead Insurance Services for the firm. As President of Insurance Services, Taylor oversees all corporate and individual insurances services, business insurance – including general liability, property, workers compensation and more – life and disability insurance, long-term care insurance, and homeowners and renter’s insurance. He is also working to grow the practice within the firm, both via business development as well as through recruitment and training. His focus is white-glove, customized service to businesses of all sizes as well as individuals and families, enhancing the elevated in-house service offerings currently available directly under Wilde Wealth Management’s umbrella. Prior to joining Wilde Wealth, Taylor worked in commercial insurance services for Federated Insurance, including for several years as a marketing representative and a district manager. He also brings experience from Progrexion, where he served in a senior representative role. Known for his personal approach to helping clients, Taylor earned several awards for his work, including being named among the top producers within Federated Insurance for multiple years. An Arizona native, Taylor graduated from Highland High School in Gilbert. After serving a two-year volunteer mission in Nicaragua, Taylor earned his bachelor’s degree in Business Administration from Northern Arizona University. Today, Taylor lives in Scottsdale with his wife and two children.

https://www.wildewealth.com/team/taylor-whatcott

As insurers look to the following horizon of growth with an inclusive and numerous strategy, there are a variety of alternatives influencing scale potential together with acquisitions, capital investments, the metaverse and the emergence of insurtech 2.0. On this month’s Insurance coverage Information Evaluation, Joanne Laffan and I focus on how a pre-scale insurer like Lemonade is planning to leapfrog its rivals by its current acquisition of Metromile, a pay-per-mile automobile insurance coverage firm. With the appearance of Ethereum Merge in an effort to fight the carbon-intense power consumption from blockchain in cryptocurrency, we focus on what it means for insurers’ capital investments as they’re attempting to remain on prime of each new know-how and web zero targets. We additionally focus on a few of the early methods we anticipate to see the metaverse influence insurers’ operations and their buyer and worker experiences. Plus we give attention to the implications of so-called ‘insurtech 2.0’ which emerged as a sizzling matter of dialog at ITC 2024 in Las Vegas. Lastly, after a brand new U.S. Home Committee report discovered there was little change in racial, ethnic and gender illustration amongst workers on the largest U.S. insurers between 2017 and 2021, we focus on practices that insurers can implement to make sure inclusion and variety is promoted.

https://ojenews.org/insurance-news-the-next-horizon-of-expansion/

Akur8 and MS&AD Insurance Group Announce Strategic Partnership PARIS & TOKYO--(Business Wire / Korea Newswire)--Akur8 and MS&AD Insurance Group are pleased to announce their new partnership to foster further innovation. With this deal, Akur8 continues to expand in Asia and beyond, hand-in-hand with a leading global insurer. Specifically developed for insurers, Akur8’s solution enhances model development processes by automating risk modeling, using Transparent Artificial Intelligence proprietary technology. Core benefits for insurers include increased predictive performance and speed-to-accuracy for higher market reactivity and immediate business impact, while maintaining full transparency and control on the models created. The partnership has started with Mitsui Sumitomo Insurance Co., Ltd. (MSI), a part of MS&AD Insurance Group, which comprises five major insurers and benefits from over a hundred years of experience in the insurance industry. MS&AD Insurance Group covers 50 countries and jurisdictions worldwide, and is the largest insurer in terms of non-life insurance premiums in the ASEAN region. Over the years, MS&AD Insurance Group has formed alliances with prestigious partners, and this strong partnership with Akur8 shows its commitment to innovation, collaboration and integrity. “Akur8 is delighted to announce this partnership with MS&AD Insurance Group! We are proud to support such a top-tier insurer. This is definitely a key milestone for Akur8’s growth in Asia-Pacific as well as an important step for our global development”, says Samuel Falmagne, CEO at Akur8. “We foster innovation through various initiatives, and value integrity and fairness: Akur8’s transparent solution is perfectly aligned with these core principles. Akur8 will provide us great potentialities to be able to become the company and the group which sustainably have capabilities to develop various products and services for realization of a safe and secure society”, states FUJIOKA Takeshi, Section Manager of International IT Planning Section in MSI’s IT Planning department. “We highly appreciate Akur8’s great capability: quick and high degree of control over the models, and the no-code and friendly user interface. We also aim to expand the potential business partnership with Akur8 to the other Japanese Domestic Insurance business like Aioi Nissay Dowa Insurance Co., Ltd. as well as the overseas network covering to strengthen the group synergies”, adds SUZUKI Tomohiro, Manager of Innovation Section in MS&AD Insurance Group Holdings’ Digital Innovation department. About MS&AD Insurance Group MS&AD Insurance Group Holdings, Inc. is a leading global insurance organization, engaging in the management of its group companies which are Mitsui Sumitomo Insurance Co., Ltd., Aioi Nissay Dowa Insurance Co., Ltd. and others. Our mission is to contribute to the development of a vibrant society and help secure a sound future for the planet. MS&AD Insurance Group enables safety and peace of mind through the world-leading insurance and financial service businesses to customers in 50 countries and jurisdictions. For a sustainable and resilient society, MS&AD Insurance Group commits to build on creating shared value with stakeholders. Akur8 is revolutionizing insurance pricing with transparent AI. Akur8 developed a unique AI-based insurance pricing solution that automates modeling for insurance companies while keeping full transparency and control on the models created, as required by regulators worldwide. Akur8 is the only solution on the market reconciling Machine Learning and Actuarial worlds - enabling customer lifetime value based price optimization. View source version on businesswire.com: https://www.businesswire.com/news/home/20220606005105/en/ Press contacts for Akur8 +33 (0)6 63 79 44 74 This is a news release distributed by Korea Newswire on behalf of this company.

https://www.koreanewswire.co.kr/newsRead.php?no=945734

Total Risk Advisors LLC: Deeply Committed to the Communities We Serve Trust, integrity, deep community roots since 2011, Total Risk Advisors, LLC has been serving its clients based on these three basic principles. We are a family-owned, full-service, independent insurance agency providing Texas with a broad range of financial services, including business insurance, employee benefits, personal insurance, and financial planning. Total Risk Advisors, LLC is comprised of four distinctive divisions that work seamlessly to meet all our clients’ needs: Our Commercial Division handles all lines of business insurance, and we take pride in being a generalist that can handle the needs of the small business and middle market clients it serves. But we also have the ability to specialize in contractors, volunteer fire and emergency service companies, marinas, pizzerias, and landscapers. We proudly serve fire and rescue departments in Texas. Our Personal Division covers personal auto insurance, homeowners insurance, personal umbrella insurance, recreational vehicles and more. We specialize in the needs of high-net-worth individuals and families, offering insurance as well as wealth planning and perpetuation services, and we have been appointed with the Teachers Insurance Plan of Texas, which means our clients in the teaching profession have special auto coverage opportunities through us. Our Employee Benefits Division has both group benefits and voluntary products available for employers throughout our region. We represent all the major carriers, understand the market, and help our clients work through the health insurance maze. Life & Annuities Our fourth division, Life & Annuities, specializes in helping you plan for retirement and protect your heirs. Our wide selection of products can assist those just starting out as well as those who have a great deal of wealth to protect and pass on. We invite you to become part of the Total Risk Advisors LLC Insurance family. Total Risk Advisors LLC is a Trusted Choice agency and a member of the Independent Insurance Agents and Brokers of America (Texas) and the Professional Insurance Agents (PIA). Named a Best Practices Agency each year since 2011, we are in the top 100 agencies in the nation in our revenue segment. Our customer service, insurer selection and professionalism continue to earn us this distinction and are emblematic of our commitment to you. We are deeply committed to the communities we serve and strive to be an integral part of our rich local culture. We take an active role through community organizations, and our leaders sit on multiple non-profit boards.

https://www.totalriskadvisors.com/

Home > Gallery > Clyde & Co Clyde & Co Potjiekos Cooking Team Building Event in Sandton Clyde & Co Potjiekos Cooking team building event in Sandton, Johannesburg facilitated and coordinated by TBAE. Click on the thumbnails to view bigger photos. This Potjiekos Cooking event was facilitated by TBAE for Clyde & Co, their team in Johannesburg advises domestic and international insurance clients, including brokers, underwriters and insureds, across all lines of insurance and reinsurance business. They advise in relation to all claims from small to large complex losses, and on policy drafting and review, coverage issues, and regulatory considerations. TBAE’s Potjiekos Cooking Competition team building activity is an excellent way for your team members to get to know each other better while working together on a common goal. This activity is great for building camaraderie and team spirit! The Amazing Place has excellent facilities for a wide variety of team building activities. The activities are facilitated on lush green lawns among beautiful gardens. The venue is suitable for a variety of outdoor team building activities including Tribal Survivor Challenge, SA Mini Olympics, Corporate Fun Day, Boeresport, Sports Day and Hitting the Target. www.theamazingplace.co.za.

https://www.tbae.co.za/events-17/clyde-and-co-potjiekos-team-building-sandton.htm

BOSTON (Jan. 4, 2024) – Liberty Mutual Insurance Global Risk Solutions today announced the appointment of Elisabeth Case as Global Product Manager, Cyber. In this new role, she will manage cyber product and underwriting strategy across the globe, reporting to Matthew Hogg, Global Product Leader, Cyber. Case’s appointment is the latest addition to Liberty Mutual’s Global Cyber team, which launched in February 2023 with the appointments of Hogg, and Dan Frusciano as North American Head of Cyber Underwriting. Patrick Thielen joined the team as Global Head of Cyber several months later. “Elisabeth’s strong cyber leadership and expertise make her the ideal candidate for this critical role,” said Hogg. “She will be instrumental in bringing together Liberty Mutual’s cyber product, underwriting, and rating approaches into a cohesive global framework that helps companies better understand, mitigate and manage ever-evolving cyber risks.” Prior to joining Liberty Mutual, Case was a Managing Director within Marsh’s U.S. and Canada Cyber Practice, where she served for over 16 years. She also brings extensive carrier experience, serving in various underwriting and leadership roles within Chubb, St Paul, The Hartford and CNA. “Together, Matt and Elisabeth provide Liberty Mutual with an incredibly well-rounded cyber product leadership duo,” said Thielen. “Elisabeth’s robust experience solving the needs of some of the largest and most complex cyber risks in the world on the broker side — combined with Matt’s extensive experience as an innovator and thought leader within the London cyber market on the carrier side — ensure that a well-balanced set of perspectives and experiences inform our strategies, underwriting and products going forward.” About Liberty Mutual Insurance At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow. In business since 1912, and headquartered in Boston, Mass., today we are the fifth largest global property and casualty insurer based on 2022 gross written premium. We also rank 86th on the Fortune 100 list of largest corporations in the U.S. based on 2022 revenue. As of December 31, 2022, we had $50.0 billion in annual consolidated revenue. We employ nearly 50,000 people in 29 countries and economies around the world. We offer a wide range of insurance products and services, including personal automobile, homeowners, commercial multi-peril, property, general liability, commercial automobile, surety, workers compensation, specialty lines, and reinsurance. You can learn more about us by visiting www.libertymutualinsurance.com. For more information, visit www.libertymutualinsurance.com. Contact: Liberty Mutual Insurance Public & Media Relations

https://www.libertymutualgroup.com/about-lm/news/articles/liberty-mutual-insurance-continues-grow-cyber-insurance-team-appointment-elisabeth-case-global-product-manager-cyber

Johnson Adjusting & Mediation Services, LLC Johnson Adjusting & Mediation Services, LLC (JAMS, LLC) is a mediation and dispute resolution firm which also provides property damage appraisal services. Cynthia Johnson is the owner and founder of Johnson Adjusting & Mediation Services (JAMS, LCC); an emerging dispute resolution and property damage appraisal firm, servicing the South Florida community. She is a Florida Supreme Court Certified Circuit Civil Mediator and property damage appraiser. Cynthia is a woman and minority entrepreneur, and an engine for social and economic growth in her community. Cynthia has over 15 years of experience in the insurance industry with heavy hitter corporate insurance companies. Her career started as a frontline adjuster handling auto and property claims, which led her to field adjusting, and then managing a team of adjusters across 7 southeastern states. Ms. Johnson has handled a large number of business and personal claims for insurance, ranging from minimal damage, to exposures well into a million dollars. As corporate representative in numerous insurance mediations, Cynthia successfully negotiated settlements and mediations among first and third parties at a rate of 85% and also served as corporate representative in depositions and trial. She is a Florida resident, by way of Colorado, North Carolina, Maryland, and Texas. (yeah you guessed it! She's was a military brat born into a West African/Liberian family of 8!). Johnson holds a Bachelors in Political Science from Colorado State University and Master of Arts in Organizational Management from Ashford University. She is an avid supporter of the National Museum of African American History, Feeding South Florida, a member of Antioch Baptist Church, and a proud member of Alpha Kappa Alpha Sorority, Incorporated in which she volunteers monthly via partnerships.

https://business.tnlcoc.org/directory/Details/johnson-adjusting-mediation-services-llc-1195106

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https://www.swiftink.com/product/compatible-canon-069-h-high-yield-magenta-toner-5091c001-5500-page-yield/

Why Leadership Skills Are Important to Insurance Brokers July 17, 2020 People outside of our industry may not look at insurance brokers as leaders, but we do. Insurance brokers are leaders in as much as they help clients navigate the complex world of employee benefits to ensure that they come up with a package that is good for them and their workers. If you know how complicated our industry is, you should know why leadership skills are so important to insurance brokers. A leader, by his or her nature, points others in a particular direction. Leaders have a very good big-picture view. They are able to see pitfalls ahead. They are really good at assessing risk versus reward. Employers attempting to come up with a good benefits package need an individual broker or a brokerage with those skills. From our perspective, there are five reasons leadership skills are so important to insurance brokers: Brokers who work with BenefitMall have access to more than 120 carriers and have a plethora of knowledge to guide clients on the right path. Now, imagine being a small business owner having to research all 120+ options before coming up with a good benefits package. These small business owners can quickly fall into uneducated decisions about what benefits package makes the most sense for their employees and their financial situation. It is the broker's responsibility to know carriers, the options they offer and how to best explain the variations in products clients can choose from. Armed with knowledge, the broker knows what benefits packages are appropriate to each client. He or she can answer questions and propose solutions. He/she is the expert, which is what the client needs. Today's benefits and insurance environment is growing ever more dependent on technology. Again, we cannot expect employers to understand and adapt to insurance and benefits tech. They have their own technology to worry about. Brokers bridge the gap between clients and carriers by learning, knowing, and using available technology. Next up, experienced brokers know that benefits packages come with tax and legal implications. As such, not every carrier product is right for a particular client. Brokers know how to match clients with those products that will put them in the best tax positions. They understand how companies can use benefits packages to meet legal requirements. A big part of leadership is the ability to communicate. If nothing else, clients need brokers who offer clear and consistent communication at all times. Clients often need to know what is going on with her benefits packages. They need to be kept abreast of changes. They need to know what's coming for the next year, and so forth. Without effective communication, clients are left in the dark. That often leaves them unhappy as well. On the other hand, the broker committed to clear and consistent communication keeps clients happy and well-informed. Finally, the most effective leaders are committed to honesty and transparency in everything. Again, this is something clients desperately need. They need to know exactly where they stand with their benefits and insurance at all times. They need to know that they are doing right by their employees. Leadership that does not embrace honesty and transparency isn't leadership at all. It is self-serving and ultimately bad for clients. An insurance broker willing to do business this way will not last very long. On the other hand, a broker committed to honesty and transparency creates loyalty among clients that can turn into long-lasting relationships. Whether they know it or not, insurance brokers are leaders to their clients. That's why we believe leadership skills are so important to brokers.

https://www.benefitmall.com/resources/allperspectives-blog/why-leadership-skills-are-important-insurance-brokers/

Testament to Next Insurance’s Success Next Insurance’s ability to secure such a significant amount of funding is a testament to the company’s success and the confidence investors have in its business model. Since its inception in 2016, Next Insurance has disrupted the traditional insurance industry by leveraging technology to provide small businesses with tailored insurance solutions. By offering a seamless digital experience, simplified underwriting processes, and competitive pricing, Next Insurance has quickly gained traction in the market. The Series 4B funding round was led by FinTLV Ventures, with participation from existing investors including Munich Re Ventures, Ribbit Capital, and CapitalG. This strong support from both new and existing investors highlights the trust they have in Next Insurance’s ability to continue innovating and disrupting the insurance landscape. Fueling Growth and Expansion With the additional $250 million in funding, Next Insurance is well-positioned to accelerate its growth and expand its market presence. The company plans to invest heavily in product development, technology infrastructure, and customer acquisition efforts. This will enable Next Insurance to enhance its existing product offerings and introduce new insurance solutions tailored to the needs of small businesses across various industries. Next Insurance has already made significant strides in expanding its customer base. The company currently serves over 200,000 small businesses, covering a wide range of professions such as contractors, fitness professionals, and photographers. The latest funding will allow Next Insurance to reach even more customers and solidify its position as a market leader in the digital insurance space. The Rise of Insurtech Startups Next Insurance’s successful funding round is indicative of the growing interest and investment in the insurtech sector. Insurtech startups have been gaining momentum in recent years, as they leverage technology to streamline processes, enhance customer experiences, and offer more personalized insurance solutions. The COVID-19 pandemic has further accelerated the adoption of digital solutions, making insurtech companies even more relevant in today’s market. Investors are recognizing the potential of insurtech startups to disrupt the traditional insurance industry and capture a significant market share. Next Insurance’s latest funding round is a prime example of this trend, as it showcases the confidence investors have in the company’s ability to revolutionize the insurance landscape. The Future of Next Insurance With its strong financial backing, Next Insurance is well-positioned to continue its growth trajectory and shape the future of the insurance industry. The company’s focus on leveraging technology to provide tailored insurance solutions for small businesses has proven successful thus far, and it is likely to continue resonating with customers. Next Insurance’s ability to adapt to changing market dynamics and customer needs will be crucial in maintaining its competitive edge. By continuously investing in product development and technology infrastructure, the company can stay ahead of the curve and deliver innovative solutions that meet the evolving demands of small businesses. Next Insurance’s successful Series 4B funding round marks a significant milestone for the company and the insurtech sector as a whole. With $250 million in additional funding, Next Insurance is well-equipped to fuel its growth, expand its market presence, and continue disrupting the traditional insurance industry. The strong support from investors showcases the confidence they have in Next Insurance’s business model and its ability to revolutionize the insurance landscape. As the insurtech sector continues to gain momentum, Next Insurance is poised to play a leading role in shaping the future of the industry.

https://www.allthegagefaces.com/next-insurance-250m-series-4b/

DocDoc, a patient empowerment platform recently announced that it secured strategic investment from Cyberport Macro Fund . Following this investment round DocDoc will be opening a new office in Hong Kong’s Cyberport This recent investment from Cyberport brings the total funding DocDoc has raised to date to US$18.5 million. DocDoc, combining a large Asian network of doctors with a powerful AI-powered doctor discovery platform, will use the proceeds from its latest fundraising to expand its market presence in Hong Kong and strengthen its network of doctors in the region. It will leverage the Cyberport facilities, infrastructure and its network to continue to expand its insurance footprint in the region, providing data-driven doctor discovery services to insurance policyholders. “We believe the investment from CMF reflects Cyberport’s commitment to empower leading health technology companies. We are proud to have received this tremendous vote of confidence from Cyberport and look forward to embarking on the next wave of growth alongside Hong Kong’s thriving Cyberport community of ultra-innovative high-growth companies. said Cole Sirucek, DocDoc Co-founder and CEO. Cyberport has accelerated the growth of the city’s vibrant technology community. The innovation hub combines world-class facilities, capital investments, and a vision to develop the digital technology industry as a key economic driver for Hong Kong. “Cyberport is committed to promoting and facilitating the development of digital technology. The Cyberport Macro Fund in cooperation with resourceful tech investors aims at providing funding to tech start-ups with high growth potential. I believe this co-investment fund can help to connect start-ups with suitable investors and open up more funding opportunities for entrepreneurs to grow their business.” Dr. George Lam, Chairman of Cyberport continues, “DocDoc is a member of the Cyberport community. The company combines an artificial intelligence powered doctor discovery platform with great customer service to effectively connect patients to high quality care based on the patient’s unique medical needs. This offering is available to insurance companies as a value-added service. I believe this unique business model can bring forth new momentum and innovation to the insurance market in Hong Kong and Asia. With the establishment of DocDoc’s new office in Cyberport, we look forward to this start-up’s bright future.” Featured image credit: Edited from https://unsplash.com/photos/P5SgKnCDZJg

https://fintechnews.hk/8658/various/docdoc-secures-investment-from-cyberport-macro-fund/

Ghana’s insurance industry has advanced over the course of the years with gross premiums increasing around ten times from GH¢458 million in 2010 to GH¢6.6 billion in 2022. Nonetheless, the protection entrance rate in the country is still under two percent with more than 75% of Ghanaians, representing 25 million people, being uninsured. According to the Ag. Commissioner of the National Insurance Commission (NIC) Michael Andoh (MA), they are putting across measures to address that shortage and further grow the industry. The NIC was established under Insurance Law 1989 (PNDC Law 227), but now operates under Insurance Act, 2021 (Act 1061). The object of the commission, as detailed in Act 1061, is to ensure effective administration, supervision, regulation and control of the business of insurance in the country. NIC is mandated to perform a wide spectrum of functions, including licensing of entities, setting of standards and facilitating the setting of codes for practitioners. The regulator is also mandated to approve rates of insurance premiums and commissions, provide a bureau for the resolution of complaints and arbitrate insurance claims when disputes arise. Other responsibilities include the provision of recommendation to the sector minister for policy formulation, supervision of practitioners, enforcement of compliance and public education. The development of strong relationships with regulators from other countries and international bodies such as ensuring the conformity of practitioners to internationally accepted standards are also key mandates of the commission. The enactment of Act 1061 was a major milestone towards a robust insurance regulatory environment, as it empowers and grants adequate powers to the commission. Together with several other initiatives in the past decade, the new law provides a strong regulatory framework for Ghana’s insurance industry. On how the insurance industry is so far faring, particularly in 2023, Michael Andoh said: “The insurance industry has been doing quite well in recent times. It is now made up of 28 non-life companies, 20 life companies, three reinsurance companies, 118 broking firms and 5,000 agents across the country”. In the interview with Graphic Communications, Mr Andoh said, the Insurance Act which regulates the industry provides the NIC with a supervisory oversight for the life and non-life business, leaving health insurance to the National Health Insurance Authority (NIA) and pensions to the National Pensions Regulatory Authority (NPRA). The industry in terms of total assets was about GH¢13.6 billion at the end of 2022, with life contributing GH¢6.7 billion, non-life bringing in GH¢5.5 billion, while reinsurance offered GH¢1.1 billion. Gross premium has also jumped more than tenfold from GH¢458 million in 2010 to GH¢6.6 billion in 2022. It was made up of GH¢3.5 billion for life and GH¢3.1 billion for non-life insurance. Adding to it, Mr Andoh revealed that, the industry has been growing about two to five per cent per annum in the last 10 years. But motor and life insurance have become a major contributor to the growth. The performance of motor insurance can be attributed to the motor insurance database (MID), which has seen the issuance of more than 4.4 million insurance stickers to vehicles. This represents a 25 per cent increase over the number of all insured vehicles on the country’s roads between January 2020 and now. “The objective of the introduction of the MID is to curb the menace of vehicles with fake motor insurance stickers plying our roads, thus endangering lives and property”. Since being introduced on January 1, 2020, the platform is helping to ensure compliance of the law and reduction of undercutting. “Life insurance, on the other hand, has overtaken non-life insurance. We believe that the Act 724, which has been replaced by the new Act prohibited composite companies and separated life insurance firms from non-life companies and so the dedication of resources to life insurance also contributed significantly to the growth”. He said, his outfit feel that the trend could be credited to the huge improvement in the economy throughout the long term. In most advanced economies, life insurance is bigger than the non-life and so I think our growth curve is normal. There are two factors to consider when measuring the actual size of the insurance industry and its significance to national output. The first is the penetration rate, which is the percentage of gross domestic product (GDP) that the industry contributes in terms of gross premium. And the other is the coverage, which refers to the percentage of the population that have insurance services. So, because the majority of people are low-income earners in Ghana, even though the coverage has gone up significantly to 44.6 per cent, the penetration rate is still low. The current insurance penetration is about 1.16 per cent, but we have instituted a number of measures, including insurance education, to get people to understand and appreciate insurance in order to boost effective demand. It is not just enough for people to hear about insurance; they need to also appreciate its use and benefits. So, the Insurance commission need to improve insurance education on radio, television and newspapers. According to them, they also have market education through an initiative dubbed micro and small businesses clinic. The Acting Commissioner says, the industry is still considered small compared to other countries but we aspire to grow further by developing measures that can correct the anomaly. Some of the measures to shore up market development and improve financial resilience of regulated entities include risk-based supervision, a forward-looking supervision model that seeks to evaluate the risk profile of regulated entities and prioritise cash supervisory resources on entities with high-risk profiles, as well as the risk that poses the most threat to financial stability. With these measures, we are highly optimistic of increased insurance penetration in the coming years. On how the insurance industry is faring after the debt exchange programme, Mr Michael Andoh stated that, “The industry is doing quite well after the DEP; our biggest fear was liquidity but thankfully the bond market has picked up and has not been as bad as we thought and so you can see the insurance firms are still paying claims, and have not collapsed. “Yes, the insurance firms took some kind of knocks as a result of the DEP but the industry has been resilient and it is still functioning appreciably well”. Credit: Graphic Communications Group Ltd.

https://www.oseiagyemang.com/ghanas-insurance-industry-challenges-and-how-it-is-running-now/