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Tools For Brokers at the London Summit 2018 Tools For Brokers will present its new developments at the upcoming London Summit 2018 next month. The fintech event will be held 13-14 November in the British capital at Old Billingsgate Market. The London Summit is the most significant annual event for the trading industry. Tools For Brokers will present new versions of integrated developments to optimise brokers’ businesses at the gathering, and the company will also introduce a new corporate style for Tools For Brokers. This will be presented with a new logo, promotional materials and souvenirs. Tools For Brokers invites brokers to take advantage of a unique opportunity to find out about the latest enhancements of the company's products by visiting the refreshed booth 61 of Tools For Brokers' booth. The summit is also a chance for companies to view in action new features for managing order flows, switching between liquidity providers and more in Trade Processor, Tools For Brokers’ innovative risk-free liquidity bridge. Also to be revealed next month at the venue are new updates to Brokers’ Business Intelligence, the company’s analytic web-based development. Visitors will be able to test new integrated capabilities for working with and presenting data as well as compiling regulatory reports. Tools For Brokers will also unveil the updated version of the company’s PAMM-supporting account management software. Voting for the Summit's awards will also commence in earnest. Brokers have the chance to vote for Tools For Brokers for three awards: Best Automated Performance Tools, Best Connectivity Provider and Best Cryptocurrency Solution Provider. The new developments from Tools For Brokers are designed to optimise brokers’ workflows and enhance efficiency. For more information, Tools For Brokers’ team will be available in at the booth 61 of the London Summit. OF ANY PRODUCT

https://t4b.com/about-us/news/tools-for-brokers-at-the-london-summit-2018/

Afreximbank Floats Insurance Subsidiary AFREXInsure By Adedapo Adesanya The African Export-Import Bank (Afreximbank) has officially launched its wholly-owned insurance management services subsidiary, AFREXInsure, with a commitment to provide a single-entry point for all speciality insurance needs to assist in optimally managing related risks for the trade and commerce sector in Africa. The launch also witnessed the unveiling of AFREXInsure’s logo and brand identity under the slogan “Insurance Optimised”. Established in 2021, AFREXInsure is set up to offer speciality insurance solutions for trade and trade-related investments across Africa with access to quality, best-in-breed speciality insurance that is tailor-made for Africa. With credible knowledge of Africa, AFREXInsure will leverage its risk expertise by using its continent-wide presence and deep understanding of the African market to provide solutions around cargo handling, construction, operations, and energy – sectors critical for the growth and establishment of trade and investment intercontinentally. Speaking during the launch, which took place on the sidelines of Afreximbank’s 30th Anniversary Annual Meetings in Accra, Ghana, Mr Kanayo Awani, Executive Vice President, Intra-African Trade Bank, speaking on behalf of Mr Benedict Oramah, President and Chairman of the Board of Directors of Afreximbank, said that AFREXInsure was established to facilitate the insurance of specialty risks in order to support businesses in Afreximbank member countries to mitigate the problem of Africa having to rely on external partners to architect the continent’s economic resilience and development. “By reducing the risk of transactions or investments, insurance can help drive forward business strategy for those engaged in intra-African trade and enable global partners to further their commercial interests and ambitions in Africa,” said Ms Awani. Insurance penetration is relatively low in Africa compared to other regions, she noted. AFREXInsure will, therefore, strengthen efforts to address this need in Africa and in partner states in the Caribbean. It will also help retain insurance premiums in Africa and assist in ploughing back Africa’s investments into the continent for the enhancement of trade and economic development for the prosperity of the continent.

https://businesspost.ng/world/afreximbank-floats-insurance-subsidiary-afrexinsure/

THE AI IN INSURANCE REPORT: How forward-thinking insurers are using AI to slash costs and boost customer satisfaction as disruption looms The insurance sector has fallen behind the curve of financial services innovation — and that’s left hundreds of billions in potential cost savings on the table. The most valuable area in which insurers can innovate is the use of artificial intelligence (AI): It’s estimated that AI can drive cost savings of $390 billion across insurers’ front, middle, and back offices by 2030, according to a report by Autonomous NEXT seen by Business Insider Intelligence. The front office is the most lucrative area to target for AI-driven cost savings, with $168 billion up for grabs by 2030. There are three main aspects of the front office that stand to benefit most from AI. First, Chatbots and automated questionnaires can help insurers make customer service more efficient and improve customer satisfaction. Second, AI can help insurers offer more personalized policies for their customers. Finally, by streamlining the claims management process, insurers can increase their efficiency. In the AI in Insurance Report, Business Insider Intelligence will examine AI solutions across key areas of the front office — customer service, personalization, and claims management — to illustrate how the technology can significantly enhance the customer experience and cut costs along the value chain. We will look at companies that have accomplished these goals to illustrate what insurers should focus on when implementing AI, and offer recommendations on how to ensure successful AI adoption. The companies mentioned in this report are: IBM, Lemonade, Lloyd’s of London, Next Insurance, Planck, PolicyPal, Root, Tractable, and Zurich Insurance Group. Here are some of the key takeaways from the report: - The cost savings that insurers can capture from using AI in the front office will allow them to refocus capital and employees on more lucrative objectives, such as underwriting policies. - To ensure that AI in the front office is successful, insurers need to have a clear strategy for implementing the tech and use it as a solution for specific problems. - Insurers are still at different stages when it comes to implementing AI: a number of them need to find ways to appropriately build their strategies and enable transformation, while the others must identify how to move forward with their existing strategy. - Overall, incumbents should focus on a hybrid model between digital and human to ensure they’re catering to all consumers. In full, the report: - Outlines the benefits of using AI in the insurance industry. - Explains the three main ways insurers can revamp their front office using the technology. - Highlights players that have successfully implemented AI solutions in their front office. - Discusses how insurers should move forward with AI and what routes are the most lucrative option for players of different sizes. Interested in getting the full report? Here’s how to get access: - Business Insider Intelligence analyzes the healthcare industry and provides in-depth analyst reports, proprietary forecasts, customizable charts, and more. >> Check if your company has BII Enterprise membership access to the full report - Sign up for the Digital Health Briefing, Business Insider Intelligence’s expert email newsletter tailored for today’s (and tomorrow’s) decision-makers in the healthcare industry, delivered to your inbox 6x a week. >>Get Started - Purchase & download the full report from our research store. >> Purchase & Download Now Discover Past Posts

https://www.digitaldisrupting.com/the-ai-in-insurance-report-how-forward-thinking-insurers-are-using-ai-to-slash-costs-and-boost-customer-satisfaction-as-disruption-looms/

WELCOME TO The POLICY REPORT Insurance Office of America Feature market insights and perspectives from top C-Level executives, elite technology influencers and thought leaders from your company here. This signature initiative has garnered immense support... Insurance Business Magazine | January 16, 2020 Insurance start-up battleface, which provides travel insurance for unconventional travelers worldwide, has announced that it has successfully closed a seed funding round with backing from strategic and venture capital investors. Fintech Ventures Fund has invested in battleface, joining Greenlight Re and Tangiers Group. The investment will be used to expand software development, hire sales and business-development personnel, and expand battleface’s global reach, the company said. “We ... Aon | January 15, 2020 Global insurance brokerage and professional services firm Aon has officially completed its acquisition of CoverWallet, a US-domiciled digital insurance platform for small and medium-sized enterprises (SMEs). Now finalized, the deal enables Aon to expand its position in the fast-growing commercial insurance market for SMEs. The brokerage giant will also be able to leverage CoverWallet’s technology and data & analytics capabilities to develop and scale innovative digital client experienc... Ladder | January 14, 2020 Today, Ladder Insurance Services, LLC, (Ladder) announced that the LadderLifeTM term life insurance product issued by Allianz Life Insurance Company of New York (Allianz Life® of NY) will be offered to New York residents, marking the completion of its nationwide rollout. New York residents will now be able to enjoy the same quick insurance application process, real time underwriting, and flexible coverage that Ladder has been offering to California since 2017, and to the rest of the country ... North P&I Club | January 13, 2020 North P&I Club has launched a new initiative to help its members better understand their vulnerabilities to cyber risk and improve their cybersecurity ahead of the International Maritime Organization’s (IMO) January 2021 deadline for safety compliance. As part of the initiative, North has partnered with HudsonCyber to offer its members access to the HACyberLogix platform. HACyberLogix is a cloud-based program designed specifically for the maritime industry. It will enable North’s... Keep me plugged in with the best Join thousands of your peers and receive our weekly newsletter with the latest news, industry events, customer insights, and market intelligence. Put your news, events, company, and promotional content in front of thousands of your peers and potential customers. Not a member yet? Not a problem, Sign Up Sign up to contribute and publish your news, events, brand, and content with the community for FREE

https://policy.report/companies/insurance-office-of-america

Your Erie Insurance Agent in Johnson City 5 Star Agent in Johnson City Tennessee Erie Insurance sells auto, home and business insurance through our network of independent agents in 12 states and the District of Columbia. Veritas Risk Management was established in October 2009 in Johnson City, Tennessee. Principal agent Andrew Darlington says, “Located in the heart of the Tri-Cities, we are equipped and ready to serve the insurance and risk management needs of all of the Northeast Tennessee and Southwest Virginia area.” The agency offers home, auto, business and surety, and life insurance. Andrew has over 20 years of insurance experience. He and his six-person staff take pride in offering honest, friendly, professional, and reliable service to all of their clients. Every member of the staff strongly believes in spending time with their clients in order to fully evaluate their needs. Andrew says: “The vision of Veritas is to be the premier provider of risk management services in the region. We realize that not all philosophies will match ours and therefore, it is not our desire to be the largest agency in the area but instead, to be the agency that provides premier and personalized client service.” Veritas Risk Management is located on North Roan Street in Johnson City, Tennessee. The agency is in the same shopping center as Dave’s Wave’s, across the street from Ingles in Boone’s Creek. Erie Auto Insurance can provide you with excellent protection at a great value. Erie has a 90 year history of being above all in Service! Erie is older than Nationwide, Geico, Allstate, and many other major companies. Many new insurance companies have formed over the past few years – only a select few have the history & longevity of Erie. Erie’s founder, H.O Hirt had a founding principal: “To provide policyholders with as near perfect protection, as is humanly possible, and to do so at the lowest possible cost.”

https://veritasrm.com/erie-insurance/

Perhaps you've recently moved into a new place and are at a loss regarding how you want to decorate it, or you want a change. Fortunately, there's a style option available that will satisfy everyone's tastes. Look no further for the best pieces of today's home design trends. Take Your Home’s Interior to The Next Level! When it comes to interior decorating, you shouldn't go in headlong. Instead, you should invest some time in learning what interests you most. Finding your home design style may require some thinking. Don't forget to use the above ideas as a guideline for your research. At Robert Nichols Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (561) 406-6153. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help! Robert Nichols Insurance Group 1557 Park Ln S Ste 102 Jupiter, FL 33458 Click Here to Email Us Jupiter, FL Location Website by InsuranceSplash

https://www.robertnicholsinsurancegroup.com/blog/6-different-styles-for-your-home

BI’s Article search uses Boolean search capabilities. If you are not familiar with these principles, here are some quick tips. To search specifically for more than one word, put the search term in quotation marks. For example, “workers compensation”. This will limit your search to that combination of words. To search for a combination of terms, use quotations and the & symbol. For example, “hurricane” & “loss”. A federal appeals court has upheld a ruling in favor of Axis Reinsurance Co. in a directors and officers liability coverage dispute with a pharmaceuticals company and a company executive over a claims-made policy. In May 2011, the U.S Securities and Exchange Commission began an investigation into possible securities violations by John Masiz, president and CEO of Danvers, Massachusetts-based BioChemics Inc., according to Thursday’s ruling by the 1st U.S. Circuit Court of Appeals in Boston in BioChemics Inc.; John Masiz v. Axis Reinsurance Co. et al. These possible violations included instances of fraud and misrepresentations that were aimed at distorting the value of BioChemics securities, according to the ruling. SEC subpoenas were served on BioChemics in May and September 2011, the ruling said. In October 2011, BioChemics and Mr. Masiz applied to Axis Reinsurance, a unit of Pembroke, Bermuda-based Axis Capital Holdings Ltd., to assume D&O coverage, in which they represented there were no legal claims pending against them. Axis agreed to provide the coverage. Additional SEC subpoenas followed, and in December 2012 the SEC began an enforcement action against BioChemics, Mr. Masiz and two other individuals alleging the company and Mr. Masiz had engaged in a “fraudulent scheme” to mislead investors about the company’s value. Mr. Masiz and the company sought coverage under its D&O policy, which Axis denied on the basis the claim was “first made” prior to its claims-made policy’s inception period. BioChemics and Mr. Masiz filed suit against Axis, charging it had breached its duty to defend. The U.S. District Court in Boston ruled in Axis’ favor and was upheld by a unanimous three-judge appeals court panel. Among the plaintiffs’ arguments was there was a “mistaken construction” of the policy’s definition of a D&O claim. The ruling said while “ambiguous contract language should be interpreted in favor of coverage against the drafter, we conclude that the Policy here is simply too clear in the relevant aspect to permit us to do so.” Attorneys in the case did not immediately respond to requests for comment. A ruling in favor of Starr Indemnity & Liability Co. in a dispute over a D&O liability insurance policy was affirmed in part and reversed in part by a federal appeals court in April. Insurer and reinsurer Axis Capital Holdings Ltd. said on Thursday that it expects losses in the range of $100 million to $120 million from Hurricane Michael, which hit the southeastern United States last month.

https://www.businessinsurance.com/article/20190524/NEWS06/912328639/Axis-wins-D&O-coverage-dispute-with-pharmaceutical-firm

The insurer’s GI claims director explained that collaboration has trumped the traditional adversity that typically reigns within the personal injury sector The Covid-19 pandemic has led to the “laying down of arms” within the personal injury sector, with adversity being replaced by collaboration, said Martin Milliner, general insurance claims director at insurer LV=. Speaking as part of a panel discussion on the first day of the ABI’s virtual motor conference on 4 November, Milliner noted that he had seen “a really good set of behaviours across personal injury” where there has been “a laying down of arms”. He continued: “The protocols and agreements reached with claimant lawyers and insurers around not suing each other during the process of lockdown is testament to the new collaboration that seems to have developed as a trend between insurers and claimant lawyers over the last few months, which is real pleasant out turn from the adversity.” The panel discussion, which also featured Mark Shepherd, assistant director and head of general insurance at the ABI, and Jane Pocock, Copart UK’s managing director, highlighted the impact of the coronavirus pandemic on the motor insurance industry. As an initial overview, Milliner noted that claims volumes have been picking up between Q2 and Q3. He said: “We’ve seen obviously a reduction in Q2 of claims volumes and frequencies – approximately a 50% drop. ”But in Q3, [we are] probably running [at] around 20%, 25% reduction versus normal volumes. But that has been slightly different across a variety of headings of claim. “We’ve seen a broadly similar experience in fire and theft claims – criminals still have to earn a living when it comes to stealing, particularly keyless entry vehicles.” For Pocock, the pandemic will lead to permanent changes in market practices – she believes that insurers will now closely look for resilience, national coverage and technology capabilities within their supply chain partners. She added that more cars are also entering the total loss arena (around one in three vehicles) because of the increase in repair costs and uptick in claims severity, led by speeding vehicles on quiet roads during lockdown as well as poor weather conditions. Looking at the results achieved on Copart’s global online auction site, Pocock said that salvage returns are amounting to 40% of vehicles’ pre-accident value. Around three-quarters of the cars being sold by Copart are easy to repair and so increasing numbers of buyers are spending their time in lockdown patching up these cars as hobby projects. The remaining quarter of vehicles sold are being broken down for use in the green parts market, Pocock explained. He explained: “We have seen a higher proportion of what I term PI claims farming going on [as well as] some new and emerging threats, particularly cyber-related threats in terms of impersonation, ID theft and some very simple scams essentially, for example bogus driving jobs being posted on social media sites, which invite innocent victims to put in all of their personal details, including insurance information, which can then be used to impersonate them later – [this is] certainly a trend we need to keep a watch on.”

https://www.insurancetimes.co.uk/news/personal-injury-sector-laying-down-arms-amid-covid-crisis-lv/1435313.article

New Hartford, NY, September 27, 2022– For the 16th consecutive year, Gilroy Kernan & Gilroy Inc. of New Hartford, New York has been named to an elite group of insurance agencies identified by the Independent Insurance Agents & Brokers of America (IIABA) and Reagan Consulting as employing the best business practices in the industry. The selection means that Gilroy Kernan & Gilroy’s operations, including its outstanding customer retention, growth, stability, and financial management have been reviewed, documented for excellence and are serving as models for other insurance agencies to adopt. More than 2,600 independent agencies throughout the U.S. were nominated to take part in the annual study, but only 282 agencies qualified for the honor. To be chosen, the agency had to be among the top-performing agencies in one of six revenue categories. The Best Practices Study was initiated by IIABA in 1993 as the foundation for efforts to improve agency performance. The annual survey and study of leading independent insurance agencies documents the business practices of the highest performing agencies and urges others to adopt similar practices. Founded in 1896, the Independent Insurance Agents & Brokers of America (the Big “I”) is the nation’s oldest and largest national association of independent insurance agents and brokers, representing more than 25,000 agency locations united under the Trusted Choice brand. Trusted Choice independent agents offer consumers all types of insurance—property, casualty, life, health, employee benefit plans and retirement products—from a variety of insurance companies. About Reagan Consulting Reagan Consulting is a financial and management consulting firm specializing in services to the insurance distribution system. Clients include the leading brokers, agents, and bank-insurance programs in the United States. They provide thought leadership to the banking and insurance industries through perennial research, seminars, and other industry forums. About Gilroy Kernan & Gilroy, Inc. Founded in 1904, Gilroy Kernan & Gilroy (gkgrisk.com) is one of Central New York’s oldest and largest independent insurance agencies. Blending innovative insurance solutions with leading-edge strategies, GKG helps individuals and businesses of all types and sizes manage risk. The firm is headquartered at 210 Clinton Road in New Hartford, from which it serves clients across New York State and increasingly around the nation and globe. GKG employs a professional staff of over 50 and represents more than 90 insurance carriers. # # # If you would like more information about this topic, please contact Jamie Critelli at 315.624.7837 or email at [email protected].

https://gkgrisk.com/staying-informed/gkg-named-best-practices-agency-for-16th-year/

FIRE SAFETY AUDIT SERVICES Keep Calm and Fire safety on FIRE Safety Audit :- Fire Safety is a systematic and independent evaluation of fire risks present in the premises and involves recommendation to control and mitigate the effect of fires for any facility. In the recent times, country has witnessed several calamitous fire hazards that have encountered thousands of life loss with damaged property hand in hand. These losses leave behind a huge monetary loss in billions or millions for a long span of time that seeks a new start for recovery. All these incidents calls up for the need of Fire Safety towards life and property. Inventum Power takes charge for conducting fire safety audit to identify and assess the existing fire fighting system along with the recommendations to address any loop hole in fire safety. We have been conducting Fire Safety Audit in India at all industrial sectors, corporate offices, hotels, malls, schools, colleges, residential societies, etc… Our Scope under Fire Safety Audit:; Fire Hazard Identification Evaluation of Fire Fighting System Review of Gas Suppression System Review of Fire extinguishers Review of passive fire protection system Review of Emergency Management Review of Life Safety System Make the most of it with Fire Safety Audit: Identifying all significant fire hazards Evaluation o the efficiency of existing control measures Determining the additional control measures required Evaluation of the present fire detection and firefighting facilities Testing of all fire safety equipment Availability of adequate means of escape from the premises in case of fire Availability of suitable emergency plan detailing responsibilities and actions of key personnel Training, information and instruction to all occupants of premises about fire safety Upkeep and testing of all fire safety equipment and precautions. Health Safety Audit; Inventum Power covers ergonomic design, ohc setup, ohc audit and medical check up of the employees ensuring a healthy employee working in a healthy surrounding Environment Audit; Inventum Power Covers EMS Audits, Zero Discharge System, Pollution Control, Plantation Ensuring A Healthy And Safe Working Environment Disaster Management; Inventum Power Covers Mock Drill, On Site Emergency Plan, Off Site Emergency Plan & Disaster Management Plan To Elude From Any Kind Of Disaster.

https://inventumpower.com/fire-safety-audit

COLUMBIA, Mo. – This summer, University of Missouri Extension’s Fire and Rescue Training Institute brought in 25 instructors for a train-the-trainer class on the institute’s new virtual reality system. Through a grant awarded by UM System President Mun Choi, FRTI had Pleiadian Systems develop a custom-built VR system to provide realistic scenarios for fire officers, said Harry Ward, FRTI assistant director and first-responder education coordinator. Scenarios range from responding to gas leaks to dealing with burning buildings engulfed in heavy smoke and flames. “As the firefighters are put into the VR environment, they will perform just as they would in a real-life situation,” Ward said. “The system uses real-world science so that the environment is consistent with what firefighters will encounter at an actual event. For instance, if a firefighter is slow getting to the area of the fire, the fire will continue to grow. When firefighters apply water to the fire, if they don’t direct the water appropriately, the fire will continue to grow.” Students start out in a virtual training room where they can learn how to move around, pick up tools, spray water from the nozzle, work with an air monitor and many other things, he said. “Once the students are comfortable with the controls they are put into the scenario.” During the simulation, participants must meet certain benchmarks, such as putting out a fire or rescuing a trapped victim. Afterward, trainees gather in a virtual meeting room for an after-action review of what went right and what could have been better. FRTI representatives will participate in a pre-conference roundtable on technology in the fire service at the International Fire Chiefs Association’s Fire-Rescue International this month in Kansas City.

https://extension.missouri.edu/news/vr-enhances-fire-and-rescue-training

Founded in 1972, Lingong Machinery Group is one of the key players in construction machinery, one of the top 100 enterprises in the machinery industry and one of the top five groups in the construction machinery industry in China. The Group consists of three core companies,: Shandong Lingong Construction Machinery Co., Ltd. (SDLG),Lingong Heavy Machinery Co., Ltd.(LGMG) and Lingong Special Machinery Co.,Ltd. The Group's business cover five sectors: construction machinery, mining machinery, MEWPs, special machinery and component manufacturing. LGMG, located in Jinan, Shandong Province, China, is a privately-owned subsidiary of Lingong Machinery Group. Business segments include MEWPs and mining equipment. Today, LGMG has become an important player in the Chinese construction machinery industry, being one of the top 100 global construction machinery manufacturers, the top 30 Chinese construction machinery manufacturers and the top 5 Chinese MEWP manufacturers. LGMG offers a wide range of access equipment, electric and rough terrain scissor lifts, and articulating and telescopic boom lifts. In 2022, telehandler have been added to LGMG's product line. In 2018, LGMG Europe was established in the Netherlands to serve as a distribution and service hub for the EMEA market. In 2019, LGMG North America opened a headquarters in Pennsylvania together with other three warehouses across the country. In 2020, LGMG Japan was established, integrating marketing and technology research and development functions into one. In 2023, LGMG sets up subsidiaries in Korea and Australia. The Mexico plant starts production at the end of the year. It strengthens LGMG's determination in these local markets. LGMG will keep looking forward to internationalization, moving forward steadily, building LGMG into an international brand. PROVIDING COMPLETE EQUIPMENT SOLUTIONS CREATING MORE VALUE FOR CUSTOMERS Based on the business philosophy of "full set of solutions, all solutions and creating greater value for customers", the group adheres to "service winning", continuously improves its operation management ability and innovation ability, and provides safe, efficient, reliable and environmentally friendly products for customers all over the world. certifications & memberships

https://www.lgmglifts.com/about/company-profile.htm

AI is transforming the insurance industry and we have barely scratched the surface of what is possible. Through improved risk assessment, personalized policies, fraud detection, predictive analytics, automated processes, risk management, and e¬fficient data handling AI is enabling advancements in the industry. Innovation and technology have the potential to revolutionize various aspects of the insurance sector, from customer interactions to risk assessment, underwriting, and fraud detection. The insurance industry is at a crossroad, and the decisions made in this pivotal moment will profoundly shape its future landscape. Innovation and technology have the potential to revolutionize various aspects of the insurance sector, from customer interactions to risk assessment, underwriting, and fraud detection. Infosys is hosting an exclusive networking event as a part of “Being AI First Conversations series”. The event scheduled on 13th March 2024 in Chicago is themed around Reimagine Insurance with AI-First to enhance Speed, Accuracy, Trust. The discussion delves into the potential of AI to unlock e¬fficiency, build connected ecosystems and accelerate growth in Insurance. We will also showcase the recently launched offering, Topaz, at the event. Infosys Topaz combines the power of AI with enterprise operations to revolutionize business processes and drive customer experience. This will be followed by an insightful panel discussion and VIP reception. |Registration & Welcome Drinks Kannan Amaresh, Senior Vice President & Global Head – Insurance, Infosys |Practitioners’ Perspective – Being AI First in Insurance |Preparing Data for AI First Business Transformation Kannan Amaresh Senior Vice President & Global Head - Insurance, Infosys Kannan Amaresh is the Senior Vice President and Global Head of Insurance at Infosys, bringing over three decades of industry experience. In his current role since 2018, he leads global insurance vertical, fostering client relationships and driving new client acquisitions across key markets. Kannan is passionate about leveraging technology for business model disruption and applies a unique "Speed, Accuracy, Trust" (SAT) approach to address customer challenges. Kannan chairs the Infosys Insurance Advisory Council and is a frequent speaker at events and webinars, promoting industry thought leadership. His leadership reflects Infosys’ core values of excellence, trustworthiness, and industry leadership. Kannan is also a strong advocate of Diversity and Inclusion, embedding these principles into his leadership style. Kannan is a member of the Institute of Chartered Accountants and holds a patent pending in the USA for his work on passionate about inventing, with a patent pending in the USA for his work on ‘Predicting Financial Impact of Business Frameworks’. Beyond work, he enjoys tennis, F1, and NBA.

https://registration.pmi-live.com/tc-events/infosys-13-march-chicago/

The House of Representatives Committee on Insurance and Actuarial Matters, on Tuesday, began its investigation into the failed $500 million launches of the Satellite 1-R, as well the N180.9 million insurance premium allegedly paid for the failed Satellite 1 project which was launched in 2011. The committee has given seven days ultimatum to Nig-Comsat for the submission of all documents on insurance transactions and details on the expenditure of the contract sum. Chairman of the Committee, Rep Darlington Nwokocha, also quizzed two Managing Directors of Fasahal Insurance and A & G engaged by NigComSat management over alleged irregularities surrounding the unilateral appointment of the insurance brokers without recorded to due process. He declared that the panel’s inquiry was based on about 6 petitions written by “concerned Nigerians” within the insurance industry and those working within some of the organizations invited. He added that the investigative hearing was to expose breaches by the operator who allegedly influenced the contract as well as financial infractions that have held down the multi-million dollar satellite contract(s) After exhaustive deliberation on the issues, the Chairman issued a 7-day ultimatum for all the parties to provide relevant documents relating to the transactions. While responding to questions on the appointment of the Lead insurance company, NigComSat Managing Director/CEO, Abimbola Alale argued that the Chinese company which manufactured the satellite unilaterally nominated the UK based insurance firm to ensure NigComsat 2 which was launched in 2014. On her part, NigComSat Legal Adviser, Mrs. Alina Okpalefe who affirmed that she was the Secretary of the Project Committee disclosed that no legal official accompanied the delegation to China where the contract was sealed in the year 2011. However, in his presentation, the Managing Director of Fasahal Insurance company, Mr. Frederic Adejo who affirmed that he is not a chattered Broker, disclosed that NigComSat introduced him to the Lead Insurance firm. While responding on the actual premium paid for the satellite project, Mr. Adejo who disclosed that the sum of N180,992,836.35 was paid in 2014 argued that he shopped for Marsh outside the Nigerian shore. In a double-speak, he denied knowledge of the relationship between Marsh – Nigeria with the Lead Insurance company. On his part, the Managing Director of A & G Insurance company, Mr. Abiola Ajibowu, informed the Committee argued that all relevant documents required by the Committee have been transmitted. He disclosed that the only evidence of the contract is the policy document which contained the value of the asset, premium paid, and the period of the insurance policy. To this end, the Committee Chairman demanded bank statements on all the transactions, schedule insurance policy, just as he stressed that there is no classified information that should be hidden from the Parliament. Vanguard

https://apcnewsonline.ng/reps-probe-alleged-waste-of-500m-nigcomsat-satellite-project-fund-others/

Dive into the dystopian future with our review of Cyberpunk 2077: Phantom Liberty, where shadows dance with neon lights, and the narrative unfolds in a cybernetic symphony. Unveiling a Futuristic Narrative: Beyond the Neon Cityscape Our exploration begins with the narrative, an essential element of any Cyberpunk experience. Phantom Liberty takes players on a journey through the intricate web of a futuristic society. We delve into the storyline’s twists, turns, and the impact of player choices on the unfolding cybernetic saga. Cutting-Edge Visuals: The Neon-Lit Aesthetics One cannot discuss Cyberpunk 2077 without highlighting its visual prowess. In this review, we dissect the cutting-edge visuals of Phantom Liberty. From the neon-soaked streets to the cybernetic enhancements, discover how the game pushes the boundaries of what is visually possible in the cyberpunk genre. Impact on the Cyberpunk Universe: A Franchise Evolution Phantom Liberty isn’t just a standalone game; it’s a piece of the larger Cyberpunk universe. We examine how this addition fits into the franchise, its contributions to the lore, and the evolution it brings to the Cyberpunk 2077 experience. The Highs and Lows: A Balanced Perspective No review is complete without addressing the highs and lows of the gaming experience. Our analysis provides a balanced perspective, acknowledging the strengths that make Phantom Liberty shine and the aspects where it may fall short of the towering expectations set by its predecessor. In conclusion, our review encapsulates the essence of Cyberpunk 2077: Phantom Liberty, exploring its narrative depth, visual brilliance, and its impact on the expansive Cyberpunk universe. Whether you’re a die-hard fan or a newcomer to the Cyberpunk genre, Phantom Liberty beckons with promises of a thrilling cybernetic adventure. For an in-depth journey into the shadows and neon dreams of Cyberpunk 2077: Phantom Liberty, read the original article on IGN: Read the full review. Source: Link to the original article

https://newsin500.com/2023/12/10/cyberpunk-2077-phantom-liberty-a-review-of-shadows-and-neon-dreams/

It probably isn't surprising that New York-based PwC, in creating its "Top Issues: The Insurance Industry in 2012" report, deemed 2012 "the year of the customer" in insurance. Customer experience initiatives are in full swing at insurers regardless of size, line of business, or technological maturity. Insurers are "redesigning their operating models' focus to serving customers' needs rather just pushing products," PwC says in the report, adding that this "requires a transformation of leadership models, internal culture, and performance drivers." The major technological enabler of this is "big data," which PwC defines as the combination of sophisticated technologies and devices communicating with each other in real-time and the use of of unstructured multimedia data such as audio and video. The company believes this gives insurers the a ability to "enhance underwriting processes, reduce cycle time, facilitate better pricing, improve loss control and better inform decision making related to customer acquisition and retention." [Read how big data is changing claims.] "One of the largest challenges insurers will face in 2012 and beyond is capturing and interpreting data from a growing number of structured and unstructured sources, including but not limited to social media, policy-holder behavior and telematics," Jamie Yoder, PwC's US insurance advisory practice co-leader, says in a statement announcing the report. "Insurers that apply advanced analytical techniques to harness the power of big data will be better able to understand their customers, tailor products to meet their needs, and enhance the overall customer experience." Other trends PwC identified are a focus on emerging markets as an important part of insurers' growth strategies and an increase in investments to meet regulatory demands and better manage risk. "In preparing for NAIC ORSA and Europe's Solvency II regulation, insurers are starting to integrate strategic and risk management analyses for planning and decision-making purposes," says Joe Calandro, PwC US insurance advisory managing director, in a statement. "This benefits customers and other stakeholders because it could help insurance companies manage their capital more efficiently, especially with respect to potential unexpected changes in the marketplace." Nathan Golia is senior editor of Insurance & Technology. He joined the publication in 2010 as associate editor and covers all aspects of the nexus between insurance and information technology, including mobility, distribution, core systems, customer interaction, and risk ... View Full Bio

https://insurancetech.com/data-and-analytics/big-data-has-big-applications-for-customer-experience-pwc/d/d-id/1313511.html

Alastair Sawday's ,, Special Places to Stay'' series of accommodation guides covering Britain, Europe and beyond, together with the Fragile Earth imprint, are distributed by Penguin Group UK. Alastair Sawday Publishing publishes in these languages: English Corporate: Go to the website Submissions: For premium subscribers only Rights: For premium subscribers only LinkedIn: For premium subscribers only FaceBook: For premium subscribers only Feature available to premium subscribers only. PubMail gets delivered to the on-line mailbox of the profile. Corporate: For premium subscribers only Editorial: For premium subscribers only Submissions: For premium subscribers only Rights: For premium subscribers only Permissions: For premium subscribers only Sales: For premium subscribers only The Old FarmyardYanley Lane Long AshtonBristolUnited KingdomBS41 9LR Phone number(s): + 44 (0)12 75 39 54 30 Alastair Sawday Publishing, Bristol, United Kingdom is just one of over 20,000 publishing company profiles in our database. Alastair Sawday Publishing is listed in the directory of publishers of United Kingdom. You can find more such publishers from United Kingdom here: By language: English language publishers of United Kingdom By city: Bristol Some of the other prominent cities in United Kingdom for which we have publishers in our database include: London, Oxford, and Edinburgh If you represent a publishing company/organization that belongs here and is not already profiled, you can submit a request to be listed in the publishers' directory. There are no charges associated with this subject -- it is totally free.

https://www.publishersglobal.com/directory/publisher-profile/1147

Press — January 30, 2024 We’re a preeminent specialty risk-assumption organization. Designed as a modern-era company operating through an ecosystem of interconnected global operating platforms, we’re bound by a common mission and purpose: One Ascot. Our greatest strength is a talented team who flourish in a collaborative, inclusive, and entrepreneurial culture, steeped in underwriting excellence, integrity, and a passion to find a better way, The Ascot Way. Ascot’s unique, worldwide ecosystem allows us to source specialty risk through multiple geographies and distribution channels while assuming risk through a diverse set of underwriting platforms: Lloyd’s of London, United States and Bermuda. The Ascot Way guides our people and our organization. Our underwriting platforms collaborate to find creative ways to deploy our capital in a true cross-product and cross-platform approach. Ascot Group collaboration is powered by technology — a core component of our Fusion Model. A client value proposition focused on speed, channel management, and specialization A premiere risk consumption organization that views itself as a servicing company — UaaS & PaaS Connective fiber for an efficient, mobile, flexible, multi-platform ecosystem An industry leading, in-house Ocean Marine claims team with over 300 years of combined underwriting experience and expertise. Our suite of Management Liability insurance solutions ensure our clients have adequate protection for their company, employees, directors and officers. Ascot handles a variety of inland marine and property coverages to commercial clients in the construction, logistics, manufacturing, and transportation industries. Ascot Environmental team brings deep understanding and experience to environmental issues, navigating our clients through the ever-changing risk landscape. Cyber & Professional Liability Insurance Solutions are designed to protect against evolving cyber and business threats and exposures facing today’s organizations. Ascot is a specialized provider of Primary and Excess Liability insurance coverage, supporting a wide range of unique industries and clients.

https://ascotgroup.com/

In a current improvement, AM Greatest has upgraded the Lengthy-Time period Issuer Credit score Rankings (Lengthy-Time period ICRs) of American Worldwide Group, Inc. (AIG) and its property/casualty (P/C) insurance coverage subsidiaries to “a+” (Glorious) from “a” (Glorious). The Monetary Power Score (FSR) of A (Glorious) for AIG PC has additionally been affirmed. Moreover, the Lengthy-Time period ICR for AIG as an entire has been upgraded to “bbb+” (Good) from “bbb” (Good), reflecting a optimistic outlook for the corporate. The improve is predicated on AIG PC’s robust stability sheet, marked by very robust risk-adjusted capital place measured by Greatest’s Capital Adequacy Ratio (BCAR). AIG PC’s underwriting efficiency has notably improved, contributing to the elevated Lengthy-Time period ICRs. The steady outlooks for each Lengthy-Time period ICRs and FSR mirror AM Greatest’s confidence within the stability and power of AIG PC’s operations. AIG PC’s working efficiency, whereas traditionally lagging behind composite friends, has been on a constant upward trajectory lately. This enchancment is attributed to varied underwriting and danger administration initiatives, coupled with optimistic pricing momentum in key enterprise strains. The group’s risk-adjusted capital place stays sturdy, supported by robust rinsurancequotesfl backing from extremely rated reinsurers. AIG PC’s beneficial enterprise profile is underlined by its market place and international presence. The group boasts experience in industrial strains and utilises various distribution channels. Notable subsidiaries included within the improve are Nationwide Union Hearth Insurance coverage Firm of Pittsburgh, PA, American Residence Assurance Firm, Lexington Insurance coverage Firm, and AIG Property Casualty Firm, amongst others.

https://insurancequotesfl.net/am-greatest-upgrades-aig-and-its-p-c-insurance-coverage-subsidiaries-scores-to-glorious/

In the dynamic and complex landscape of the legal world, where every decision carries significant consequences, having a reliable compass is paramount. As a leader in the legal malpractice insurance industry, I have had the privilege of not just offering coverage but serving as a trusted guide for law firms navigating the intricate waters of risk management. In this blog, I will share my personal insights on leadership and delve into the unique approach I bring to working with law firms, understanding their challenges, and ensuring they make the right choices with ALPS. I recently assisted a mid-sized firm in Missouri considering a switch to ALPS for their malpractice coverage. By working collaboratively, we identified their risk management needs and tailored a malpractice insurance solution. This not only protected the firm but also provided the peace of mind necessary to focus on their legal responsibilities. Joe K., my point of contact at the firm, shared a kind review of our process, stating, "Working with insurance rep. Robin was smooth and efficient, and she was very helpful. The website app procedure was seamless and not cumbersome like my experience with some insurers. All told, very pleased with ALPS so far." Knowing I played a role in their journey underscores the meaningful impact leadership in the legal malpractice insurance industry can have. Understanding the Needs of Law Firms In the legal malpractice insurance industry, my work goes beyond providing policies; it's about deeply understanding the varied risk management solutions and insurance policies essential for law firms. As law firms grapple with the challenges of practicing law and meeting evolving client expectations, they seek comprehensive solutions that will protect their firm in the event something should happen. My approach involves: Immersing myself in the legal landscape Staying updated on industry trends Learning new ways to implement technology to make the process of selling our products easier Proactively identifying the specific risk management needs law firms may face. This commitment ensures that the offered insurance policies are not only tailored but also aligned with the nuanced requirements of law firms seeking effective risk mitigation strategies. Building Trust through Knowledge Effective leadership in the legal malpractice insurance sector requires comprehensive knowledge of the myriad of risk management products we offer. Law firms need more than just malpractice coverage; they need a partner well-versed in various insurance domains. As a knowledgeable guide, I assure law firms that their decisions are well-informed across professional liability, general liability, cyber liability, employment practices liability and more. This trust is built on expertise and a commitment to staying ahead, ensuring law firms receive guidance on the full spectrum of insurance coverages essential for their protection. Leading in the legal malpractice insurance industry is more than a professional responsibility; it's a commitment to understanding, guiding, and caring for the law firms that entrust their protection to us. Through a personalized, knowledge-driven approach, I aim to redefine what it means to be a leader in this field, ensuring that every law firm feels confident in their choices and empowered to navigate the law firm insurance landscape with resilience and success. With over two decades of distinguished experience in sales and leadership, Robin Kendall brings a wealth of expertise to the role of Outbound Business Development Team Lead at ALPS. Combining her background in tech sales with her proven track record in leadership roles, she possesses a unique blend of skills that drive results. Throughout her career, she has consistently demonstrated a remarkable ability to drive revenue growth, forge strategic partnerships that enhance the sales process, and mentor high-performing teams. Her deep understanding of the legal insurance landscape, coupled with her proven track record of exceeding targets, makes her an invaluable asset in expanding ALPS Insurance's market presence and delivering unparalleled client satisfaction. Robin was named a 2024 Emerging Leader by the American Property Casualty Insurance Association (APCIA). To connect with Robin, email [email protected]

https://www.alpsinsurance.com/blog/leading-with-integrity-a-journey-in-the-law-firm-insurance-industry

PARTNERS RISK STRATEGIES ANNOUNCES VINCENT P. FODERINGHAM AS NEW CHIEF EXECUTIVE OFFICER June 20, 2023 Charlote, NC – Partners Risk Strategies is pleased to announce that effective June 1, 2023 Vin Foderingham has been appointed as the Company’s Chief Executive Officer. Vin is a widely respected industry executive with more than 30 years of experience in the risk management and insurance industry. He has built a national reputation for understanding and managing complex risk. Vin is a proven leader, whose experience in risk positions him well to take Partners Risk Strategies to its next phase of growth. “We are thrilled to welcome Vin as our new CEO” says Walter Davis, co-founder, and Director. “Vin is an innovative and strategic growth leader who has a proven track record of using data to mitigate risk and drive results. His background and experience will perfectly complement our brand and focus on delivering excellence to our clients. My partners (Angela Webb and Milton Jones) and I are fortunate that he has agreed to lead this organization”. Prior to becoming CEO of Partners Risk Strategies, Vin served as the Chief Insurance Officer at Amazon where he led the Global Risk Management and Claims organization with an operating budget of $2.3B and with nearly 300 employees. This included leading one of the largest captive insurance companies in the world with over $3B in annual gross written premium. Prior to his time at Amazon, Vin was the Corporate Director of Risk Management & Assistant Treasurer at Northrop Grumman Corporation, a $30B aerospace and defense contractor. He led a team of risk professionals across multiple business segments with a new vision of innovative risk management techniques using fact based and data driven processes to manage risk. “I’m excited to build on the foundation that has been laid by the three co-founders” says Vin Foderingham. “I look forward to capitalizing on the many opportunities ahead and to ushering Partners Risk Strategies into its next chapter of growth and success”. About Partners Risk Strategies Partners Risk Strategies, a fully owned subsidiary of Peachtree Providence Partners Holding Company, is an independent commercial insurance and risk consultancy firm, supporting an array of entities including small and large businesses, colleges and universities, and nonprofit organizations. Founded by a team of expert risk professionals with more than 100 years of collective experience. Partners Risk Strategies specializes in a “risk management first” approach to identify risk, define a scope to effectively mitigate and manage risk and create specialty insurance programs. Additionally, the firm provides risk management consulting services for clients to build a holistic approach to address risk, whether insurable or not, to protect clients’ operational and financial interests. These risks can be transferred through insurance or mitigated through proactive business strategies.

https://www.partnersrisk.com/press-release-17-11-2023/

A wedding is one of the most beautiful events in your entire life. There are so many different themes a wedding can have and so many different venues to host one in. There are also many different accessories you can have during a wedding, including umbrellas. There are many cute umbrellas for weddings one could buy and there are even some for different themes or personalities. The website of Wedding Umbrellas has many different types of umbrellas for any type of person. They offer fast delivery and high quality products as well as a large catalog to choose from. They have an umbrella sale every now and again for you to choose your next brightly coloured umbrellas for that beautiful wedding. Even clear umbrellas may be an option if you are going for that elegant look. Many people do not think of umbrellas as being a big deal for a wedding but they can really bring a touch of class, creativity, and atmosphere to the event. Beautiful umbrellas can come in all shapes and sizes and they can even range in price; anywhere from $2 all the way to $238 depending on what you get. They ca e made of lace, be frilly, or even have spots on them. Many people like umbrellas to add a theme to their wedding and have a lot of photographs centered on the umbrellas. Along with having an aesthetic value, there is always the practical use of having the umbrella. If you are having an outdoor wedding, you may want an umbrella for your guests or at least the people in the wedding, regardless of it being a fashion accessory or not. There are different types of umbrellas to get depending on who you are getting it for. You can get particular umbrellas for your bride, the groom, or even the children of the wedding. They all play a part in your big day and the decision should be treated as serious as the next. Like flowers and the color of the card, the umbrella can really be a big hit with your guests. It is important to think of all these different elements and pick out the best umbrella possible when thinking of how you want your wedding to look. They will be fast with your order, give you exactly what you ask for, and will give you a high level of customer service and promises satisfaction. Let Wedding Umbrellas be your one-stop shop for all your umbrella and accessory needs and allow them to be a part of your special day!

https://www.weddingumbrellas.com.au/beautiful-umbrellas-for-weddings/

Fully Invested: Cover for Financial Institutions The UK financial services industry faces many challenges, all of them presenting risks as well as opportunities. We are totally committed to our broker partners, giving you the expert advice and support needed to tread confidently and trade profitably in an uncertain world. We have dedicated, specialist underwriters with deep Financial Institution expertise and the backing of an AA rating. We commit without compromise, investing fully in your success. - Strongest credit rating (AM.Best A++, S&P AA) - Team industry knowledge spanning over 34 years combined. We are technical underwriters with in-depth, detailed knowledge, and have experience in the Australian, London and European markets. - Consistent approach, writing FI since 2008 with a continued appetite for Asset Managers, Banks and Insurance. - Dedicated, in-house claim handlers with complex FI knowledge and expertise. - International reach: We offer cover both through our company and through our Lloyd’s Syndicate, giving us the wide-reaching capacity to write business for clients that operate worldwide. Our appetite guide is specifically designed to improve the way we do business with brokers to provide clear examples of our appetites within different sectors and product lines. Please contact us if you need to speak to a member of the team. Coverage and Policy Details - Business Interruption - Employers’ Liability - Public and Products Liability - Criminal Protection Response - Office Recovery - Legal Expenses - Professional Indemnity - Directors’ and Officers’ Liability - Crime Insurance - Investment Management Insurance - Pension Trustees Liability - Employment Practices Liability - Cyber Liability GBP10m / EUR10m / USD10m / AUD10m ERISA capacity up to USD10m Travelers insured an investment manager based offshore. The insured’s IT team noticed some unknown files on the company server, following which a further review by the IT team revealed that a third party had obtained access to the insured’s computer systems. The insured was concerned about the theft of money or client data, as well as the risk of a subsequent regulatory investigation. Having the right cover helped our insured investigate the problem and get back to business quickly. Our insured’s Financial Institutions insurance policy underwritten by Travelers included the option of cover for forensic investigation following discovery of a data security breach. Fortunately, the investigation had isolated the threat at an early stage and there had been no theft of money or data from the insured or any of its clients. Travelers insured a London-based investment advisor that operated an in-house fund on behalf of professional investors. In response to market conditions at the time, the insured’s investment committee decided to reduce the fund’s equity exposure by selling a proportion of futures contracts on the S&P 500 index in two tranches. However, in the process of initiating two sales, the insured inadvertently sold twice the number of contracts intended. A reversal was attempted but came too late. The insured aimed to rectify the error by repurchasing the extra S&P contracts on the reopening of the relevant futures market on the evening of the following day. However, in the time between the erroneous sale and the repurchase, the markets moved against the insured, resulting in a loss of approximately USD 1 million. Financial Institutions liability insurance protects against claims of negligence or error. Following an investigation of the incident and a review of available evidence, Travelers reimbursed the insured for this loss. Travelers insured a UK high-street bank. One of the bank’s customers (a UK-listed plc) routinely made quarterly payments to a third party of amounts ranging from £350,000 to £500,000. In respect of each payment, a director at the firm would email the bank, setting out instructions for the transaction in a pre-agreed format. The insured received a set of instructions requesting it to make eight payments of £100,000. Even firms with controls in place can be the victims of fraud. The request for payment was discovered to be fraudulent, though not until after approximately £450,000 had been transferred. This kind of situation is increasingly common. Sophisticated fraud requires sophisticated protection. As fraud becomes increasingly complex, financial institutions must have protections in place to prevent it, investigate it and minimise the damage it can cause. Once the insured notified Travelers of its loss under the terms of its crime policy, we paid the legal costs it incurred when investigating the extent of its responsibility for the fraud. We then reimbursed the insured after it reached a settlement with the customer. If looking for insurance, please contact your local broker and ask for Travelers information.Find a broker If you’re interested in receiving a quotation or learning more about our capabilities, contact our experts through the link below.Contact us The world of cyber risk is constantly evolving. Travelers' CyberRisk product helps businesses of all sectors, shapes and sizes prepare for and overcome the ever-increasing cyber challenges.

https://www.travelers.co.uk/industry-solutions/financial-institutions-insurance

Global Mobility Insurance Solutions for Specialty Risks A Complete Suite of Global Mobility Programs for Brokers and International Companies. Our Global Mobility Insurance Solutions FOR INTERNATIONAL ASSIGNEES Employers play a key role in protecting the well-being of their international assignees, wherever they may go. These international assignees face specific risks that often differ from the ones at home, a new country can be unsettling. XN offers comprehensive health care plans to brokers and international clients that support the peace of mind of expatriates and their families so they can focus on their job from the start. Our underwriting professionals will assess the risks depending on the client’s needs, budget, and assignment geographies, for a tailored insurance program. We offer healthcare insurance solutions and group policies for short- and long-term assignment as well as business travel to all types of international companies or organizations such as NGOs/IGOs. XN also offers global insurance programs to cover personal belongings and personal liability, at every step of the move or during the assignment abroad. With XN, your insured members can count on responsive service with a curated worldwide medical network, digital tools, and efficient treatment of claims. Global Mobility Insurance Programs Comprehensive Coverage of International Assignees Personal Belongings and Liability Insurance XN’s program covers a wide range of risks to personal belongings and liability during an international assignment or relocation. Global Moving Insurance From professional packing to unpacking, XN provides comprehensive coverage of international assignees’ belongings. International Health Insurance This corporate program offers international assignees peace of mind through a comprehensive healthcare plan. It covers medical insurance, emergency evacuation and repatriation, with options such as dental and vision. Expatriate Corporate Life, AD&D, and Disability As an ancillary coverage to the International Health Insurance program, XN’s solution provides coverage for loss of life, short-term or long-term disability, and income replacement benefits for accidents. Business Travel Insurance Supplement to a domestic healthcare insurance or as a stand-alone program, the short-term plan provides coverage for emergency care in case of accident or illness when assignees are travelling outside of their home country. Globally mobile assignees to protect? GLOBAL MOBILITY INSURANCE Worldwide medical network Access to over 1.7 million partners worldwide, including some of the most remote locations. 24/7 year-round support for members Service available in 34 languages along with an easy-to-use member portal and digital tools. Comprehensive direct-billing network of hospital and outpatient medical services. Streamlined administrative support Dedicated account managers make enrollment and policy implementation easy. Efficient online claims and reimbursement Treatment of claims available in most local currencies. Global risk intelligence alerts Daily monitoring of potential security and evacuation threats with our global evacuation partner. Learn more about OUR GLOBAL MOBILITY INSURANCE PROGRAMS Why choose us? International Underwriting Expertise Building on our international expertise in specialty risk assessment and underwriting, XN provides insurance solutions that can be tailored to your circumstances. Risk Placement with A-Rated Carriers As a Coverholder of Lloyd’s of London, we represent the world’s oldest and largest insurance market. We have the authority to issue coverage on their behalf. In addition, we foster privileged relationships with other A-rated carriers. International Standards of Compliance Drawing on our 20 years of experience and an in-depth understanding of the insurance market, XN is committed to respecting the highest standards of compliance in our policies. Streamlined Claims and Administration For policy management, our broker-partners and clients count on the responsive service of our dedicated Key Account Management team and our simplified administration process.

https://welcome.xn.com/global-mobility-solutions/

BI’s Article search uses Boolean search capabilities. If you are not familiar with these principles, here are some quick tips. To search specifically for more than one word, put the search term in quotation marks. For example, “workers compensation”. This will limit your search to that combination of words. To search for a combination of terms, use quotations and the & symbol. For example, “hurricane” & “loss”. American International Group Inc. said Thursday it has recruited Anthony Vidovich from XL Group Ltd. to be AIG’s chief claims officer, general insurance, effective May 14. Mr. Vidovich joins New York-based AIG from Hamilton, Bermuda-based XL, which does business as XL Catlin, where he served as global head of claims, insurance and reinsurance, since 2015, AIG said in its statement. In his new role, Mr. Vidovich will be responsible for general insurance claims’ strategic direction, encompassing governance and policy, settlement authorities, claims handling and global best practices, said AIG. He will report to Peter Zaffino, chief executive officer, general insurance, and serve as a member of the general insurance executive leadership team, the statement said. The appointment is one of several senior appointments at AIG since Brian Duperreault returned to head the insurer last year. American International Group Inc. cut back on unprofitable lines of business and bought more reinsurance protection during the fourth quarter last year as the new management team continued its efforts to turn the insurer around.

https://www.businessinsurance.com/article/20180412/NEWS06/912320565/AIG-snags-executive-chief-claims-officer-Anthony-Vidovich-from-XL-Group-Brian-Du

You call New England home… …We do, too. From varied geography to long standing history, New England means many things to many people. As New Englanders, we believe our home is a special place, where four distinct seasons combine with one-of-a-kind natural features and a population of diverse cultures to produce a unique experience that can only be described as New England. Union Mutual got its start in 1874 in Montpelier, Vermont, where we have remained for over 140 years providing excellent personal service to our policyholders and agents. We now provide insurance in every New England state, and have full-time marketing representatives who reside and work in every state except Rhode Island. In handling claims we rely on our own employees or independent adjusters who are familiar with the climate, culture, agents, and service providers where the claim occurred. We believe this approach provides the best in insurance products and services to our policyholders. Buying insurance is not all about price. Working with an agent, you want to determine whether the company insuring your risks is “a good fit”. Does it share your values? Does it have a track record of performance? Do its products meet your needs? Only then should you consider the price and then decide accordingly. In providing “Service Second to None” we strive to always treat our agents and policyholders as neighbors, because they truly are.

https://www.unionmutual.com/blog/call-new-england-home/

Technical terms around umbrellas This is the famous British umbrella made by Swaine Adeney Brigg, the epitome of a British gentleman. This is the fabric that covers the umbrella, usually polyester fiber. This is because polyester does not change when stretched in wet or dry state. However, nylon and cotton are also used. In addition, plasticized fabrics are used-but in cold weather, they can be very clumsy. The cover is located above the notch at the top of the umbrella cover and is used to transfer water from the ferrule to the umbrella cover. This prevents water from flowing down the axis. In order to further improve the impermeability of this area, a rosette made of the same fabric as the canopy is usually placed between the canopy and the cover. Cherry is the most beautiful wood, its grain and color are the most expressive. It is used with ash, chestnut, hickory, ebony, etc. to make umbrella shafts. Most umbrellas (over 90%) sold on the German market are made in China. Even though the current wages are low, the cheapest models are still made by domestic workers. Almost all umbrella fabrics today are coated with Teflon. This makes the umbrella rain-proof, and most of the fabrics are stain-proof. The coating itself is not visible. The color of the material is maintained, and the fabric maintains its soft feel. Dedicated wires are used to connect the ribs with the notches and runners. Continuous rod shaft (also: solid rod) These are wooden shafts made from a continuous piece of natural wood. In principle, these are crutches with handles that have been bent for months during the manual process of using steam. In each case, the most exquisite umbrellas have continuous shafts made of various high-quality woods. These are umbrellas that can also be used as crutches or crutches, and as opposed to straight or round handles, they are equipped with handles at right angles to the shaft. When using an umbrella as a walking or standing support, this handle can achieve a stable grip. They also have a particularly strong shaft to ensure stability. They are smaller than designer umbrellas and have non-slip washers (usually made of rubber) at the end of the shaft. In fact, there are real designer umbrellas that originated from fashion studios such as the artist Giorgio Armani. There are also “fake” designer products that use conventional fabric collections and attach designer labels to patterns without being based on the original concept or design. Umbrellas that are the same size as golf umbrellas are named because they are used by hotel guards. All umbrellas should be opened and allowed to dry overnight. Drying of metal parts is not as easy as the roof material, and when the umbrella is closed, the roof will keep air away from the frame. Insufficient drying is the main cause of umbrella damage. This is a button release system used to open the umbrella and then close it in the same way. After closing, the umbrella shaft must be pressed further by hand to generate the tension required for the opening operation. If you use a long umbrella for walking support, you can slide it on the end of the shaft on a rubber ferrule to make it slip resistant on a flat surface. Wooden shaft umbrellas have a ferrule made of tough plastic, while high-end umbrellas have a ferrule made of corners. All good long umbrellas have a loop made of non-slip nylon, which also prevents the umbrella from falling when placed on the floor. This includes all parts of the umbrella, except the canopy and handles. The 10-piece or 8-piece variant refers to the number of ribs. Usually 8-piece frames are used for long and pocket umbrellas. For micro-pocket products, a 6-piece frame is also used. A particularly stable and high-quality umbrella consists of a 10-piece frame. These are oversized umbrellas with an umbrella length of 67 to 75 cm. They have straight handles for clean placement in golf clubs in golf bags. The handle can also be fitted into the adapter to fix it to the golf stroller. This is the name of each fabric segment used in the canopy. Usually, these are printed separately and carefully stitched together. These are umbrellas that will not stretch or fold. This term is most commonly used for longer female umbrellas. The canopy of a long umbrella is larger than a pocket-sized product. Malacca Sugar Cane Malacca sugar cane is used to make many high-quality and lightweight umbrella handles. It is a sugarcane grown in Asia and consists of long, smooth parts. It is especially beautiful when several layers of ship paint are applied to highlight its natural wood grain. We also use continuous Malacca shafts (handle and shaft are made from a single cane). The small pocket umbrella has its shaft stretched in multiple stages, and its ribs can also be folded in multiple stages. This is the middle of the umbrella cover, where the ribs are connected by connecting lines and therefore the connecting point of the umbrella. The notch itself is directly connected to the shaft. Today, the cuts are almost entirely made of plastic, and extremely high-quality hand-made umbrellas have cuts made of metal. All umbrellas can be opened by moving the wheel, whether it is automatic or manual. Piccolo (meaning “small” in Italian) is the name of a mini-pocket umbrella that is less than 20 cm in length when retracted. All small foldable and retractable umbrellas are called pocket umbrellas. 80 years ago, Knirps brought the first pocket umbrella to the market. The rib is the part of the umbrella that supports the awning. They are connected to the shaft through runners and notches. The materials used include steel, fiberglass, aluminum, and even bamboo. The stability of the umbrella largely depends on the strength, material and form of the ribs. Rivets are used to hold the various parts of the ribs together and keep them moving. In this respect, the rivet acts like a wheel axle. Rivets absorb a lot of pressure and therefore must be manufactured very accurately. Solid, non-rusting and brass rivets achieve the best results. By moving the wheel along the axis, the automatic and manual umbrellas can be opened and closed. The shaft is a part fixed with a handle and a frame. The shaft is usually made of steel and can be nickel-plated or brass, or painted. They can also be made of glass fiber, aluminum, carbon fiber, sugar cane, and of course wood. The high-quality, stable umbrella has a continuous (ie, one-piece and solid) shaft, so it is a core elegant cane. Shoulder strap umbrella These are actually long umbrellas, with suitable handles and caps with hoods. This way you can carry the umbrella on your shoulders. The automatic umbrella has a strong spring force, and the umbrella can be opened by pressing the shaft and ribs apart. The unusual thing about an automatic spring is that the spring and its pressure point move in the same direction. In the double umbrella, a rubber drawstring embedded in the shaft and coil spring is used. These are umbrellas, usually stored in aluminum tubes. Such a tube has the appearance of a detachable handle and cane. When using an umbrella, the shaft can also be used as a support when walking. The tip is fixed at the end of the rib. The headliner is sewn in the same way as the knob of the shirt. optimal The pin is located on the upper part of the umbrella shaft to prevent the umbrella from rising too high and turning from the inside to the outside. On a pocket umbrella, the top is a detachable upper part above the collar. U-shaped or imitation rib U-shaped profile or diagonal rib refers to the U-shape of steel or aluminum ribs-a characteristic that can be stabilized by greater strength and elasticity. In some golf umbrellas, the principle of ventilation is used to better protect the large canopy from strong winds. In the face of strong winds, part of the canopy rises and releases the accumulated pressure through a series of vents. This type of umbrella is hardly blown out. “Windproof” and similar terms indicate that the umbrella can be restored to its normal position after being blown by strong winds. However, “windproof” does not mean that a particular umbrella will continue to withstand the process. The term mainly applies to items imported from the Far East. Long umbrellas usually have wooden shafts, mainly due to the charming rustic look of the combination of wood and cotton. However, the problem with the discontinuous wooden axle is that it is not suitable for walking support. This is because the handle is glued to a small piece on the shaft. This problem can be avoided when the umbrella is equipped with continuous wooden poles. Encyclopedia of Umbrellas Technical terms around umbrellas

https://www.guderumbrella.com/encyclopedia-of-umbrellas/

Three-Year Limited Warranty Limited Lifetime Warranty Limitation of Liability Disclaimer THIS WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OR MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IMPLIED WARRANTIES, IF ANY, WHICH CANNOT BE DISCLAIMED, ARE LIMITED IN DURATION TO THE DURATION STATED ABOVE. ALL OTHER OBLIGATIONS OR LIABILITIES, INCLUDING LIABILITY FOR LOSS, OR CONSEQUENTIAL DAMAGES ARE HEREBY EXCLUDED. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS OR THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. Bonita reserves the right to alter models, change colors, specifications, materials, equipment, component parts and prices, or cease production of certain models at any time without notice. Such changes shall be made without incurring obligations to equip or modify units produced prior to the date of such changes.

https://bonitaboats.com/warranty-information

Philadelphia, May 1, 2023 — Weber Gallagher welcomes two powerhouse lawyers Neal Novak and Colleen Costello, formerly of Novak Law, adding to the firm’s prominent insurance practice and expanding its geographical reach to Chicago. Novak and Costello join as Partners of the firm and will spearhead the opening of Weber Gallagher’s new Chicago presence. With the addition of a Chicago office, Weber Gallagher now has 10 offices in the Mid-Atlantic and the Midwest. “The addition of Neal and Colleen was both driven by our clients’ needs and the quality of their offerings to their clients,” said Andrew Indeck, Weber Gallagher’s Firm Chair. “Our insurance clients rely on us to skillfully guide them on developments in the law and business of the insurance industry so they can make informed decisions on how to best move ahead with their goals. Neal and Colleen add significant experience to our bench of insurance professionals and bring a keen understanding of the insurance industry. We are happy to welcome Neal and Colleen to the firm.” Neal and Colleen bring more than 60 years of collective experience focusing their practice on insurance law, litigating, mediating and managing insurance coverage disputes throughout the United States, including, but not limited to, disputes implicating professional liability, commercial general liability, umbrella and excess commercial general liability, commercial property, business interruption, extra expense, commercial auto, trucking, technology and accident and health policies. Weber Gallagher continuously seeks to complement our growth strategy and provide our clients with expanded services and resources to maintain our strong reputation. These attorneys and the addition of a new office reflect the firm’s commitment to ensuring our clients’ needs are met across vast jurisdictions and practices. “Our team is thrilled to bring on the Novak Law team. Their reputation and experience in the Chicago market will be of tremendous value to our existing clients,” said Denise Marra DePekary, Managing Partner of the Insurance Practice Group at Weber Gallagher. “In addition, our growing team is looking forward to expanding and solidifying our reach outside of the United States and in the London Market.” Neal and Colleen represent U.S. and U.K.-based carriers and have litigated coverage issues and disputes in Federal and State courts throughout the country, representing clients in more than 25 states and the Virgin Islands. Neal focuses his practice on reinsurance, commercial general liability insurance, commercial/first-party property insurance and personal accident and disability insurance. Drawing on his vast experience, Novak keeps an eye towards managing costs to assist clients in product development and risk analysis. Novak has resolved complex casualty claims, provides coverage opinions, and more. He works hand in hand with his clients to produce unique strategies and insights into handling complicated questions of allocation, aggregation and related problems arising out of long-tail liability business. Neal received his J.D. from the University of Cincinnati in 1977. He is admitted to practice in Ohio, Illinois, Hawaii, and the Virgin Islands. Additionally, he is admitted to the United States District Court for the Southern District of Illinois, United States Court of Appeals for the Seventh Circuit, and the United States Court of Appeals for the Fourth Circuit. Colleen focuses her practice on insurance law, successfully litigating, mediating and managing insurance coverage disputes throughout the United States. Colleen’s experience includes handling disputes implicating professional liability, commercial general liability, umbrella and excess commercial general liability, commercial property, business interruption, extra expense, commercial auto, trucking policies, and more. She has significant experience litigating extra-contractual and bad faith disputes in multiple jurisdictions. Colleen received her J.D. from Loyola University Chicago School of Law. She is admitted to practice in Illinois and the United States District Court for the Northern District of Illinois. About Weber Gallagher At Weber Gallagher, lawyers work collaboratively with clients to understand their legal and business needs and develop impactful results for them. The firm encompasses more than 110 legal professionals working interactively across 10 offices in Mid-Atlantic and Midwest United States. Weber Gallagher provides legal counseling and representation to local, national, and international businesses, financial institutions, and insurance companies. With a strong commitment to excellent service and innovative solutions, and a dominant reputation, the firm has an exceptional ability to efficiently address clients’ legal and business concerns, distinguishing Weber Gallagher from other law firms. To learn more, visit www.wglaw.com.

https://www.wglaw.com/Trending/Press-Releases/233420/Weber-Gallagher-Expands-Insurance-Practice-with-the-Opening-of-Chicago-Office

About Us | Why Candice Morrish is proud to be an ALIGNED Advocate We’re different. That is to say, our exclusive focus on business insurance sets us apart. Certainly, being different is just one of the many reasons why Canadian insurance professionals decide to join the ALIGNED team. Above all, we’re always proud to welcome new members to our team and share their story. Most importantly, our About Us features are just one example of our commitment to connecting with our community. In the same vein, many of us are sharing useful business insurance content on social media every day. Candice Morrish recently joined our growing team. Candice is an Advocate and Assistant VP who reports to SVP & Team Leader Darcy Franko-Felice. She works closely with ALIGNED colleagues across Canada. Candice is proud to be part of the ALIGNED Insurance team. In her own words, here’s what Candice has to say about ALIGNED. Q. Why did you join ALIGNED? Candice: I was ready for a change – a breath of fresh air in the insurance world. This is exactly what ALIGNED offered – an opportunity to grow, for mentorship and a great team environment. Q. How did you first hear about ALIGNED? Q. In your opinion, what sets ALIGNED Insurance apart? Candice: I think the specific focus on Commercial Insurance sets ALIGNED apart – a whole team of dedicated, specialized insurance professionals! Supporting the needs of business insurance clients only is very unique in this industry. Q. Why did you choose an insurance career? Candice: Like many others, I fell into insurance. I knew I wanted to study business, but I also wanted to make sure I had some direction as to what type of business. I landed a part time summer job at Intact Insurance, and the rest is history! Q. In your career to date, what are you most proud of? Candice: I am proud to teach the Business Insurance program part-time for Fanshawe College in London, Ontario. It has been an amazing experience sharing industry knowledge and following the students after graduation as they start their careers in the insurance industry. Q. Tell us about your most recent professional designations. Candice: I have my CIP (Canadian Insurance Professional) and CRM (Canadian Risk Management) designations. I have also completed the Instructor Certification Program with the Insurance Institute of Canada. Q. In your opinion, what’s the single most important service an insurance broker delivers to a client? Candice: We are involved with our clients’ businesses at many stages. This can include when a client is just starting up, expanding, merging, buying equipment, property or vehicles or experiencing a claim situation. I believe it is most important for brokers to help ensure that their clients feel comfortable with their policy and coverage. Offering risk management advice is another important service that brokers deliver. Q. Which of ALIGNED’s 18 points of differentiation do you find the most personally meaningful and why? Candice: For me, I’d say – “Business Insurance Only”. Basically, my whole insurance career has been on the commercial (business) side of insurance – both as an underwriter and a broker. Working for a company that specializes in business insurance seems like such a natural choice. Being different is a point of pride for every ALIGNED insurance broker and Advocate. And it’s because our founder, president & CEO Andrew Clark wants to deliver different kind insurance broker experience to Canadian business. Since day one, we’ve taken pride in 18 things that we do differently for our clients. Ultimately, what gives us the most pride is delivering the best solutions and more value to every Canadian business that we support. Have you met these ALIGNED team members? What Robyn Selmes believes to be the single most important service insurance brokers deliver… “Buying insurance is never anyone’s favourite purchase, especially as there are so many expenses already for businesses. The most important part of being an insurance broker is to help make the entire “insurance experience” as seamless and simple as possible. This can mean helping someone determine the right coverages or finding the best insurance companies to meet their specific needs. And, at the end of the day, it also means being there and helping people through any claims or concerns if and when they arise.”Robyn Selmes, Advocate, ALIGNED Insurance Why Tyler Mitchell decided to choose a career in insurance… “Actually, I started out pursuing a career in a totally different sector. However, a close friend of mine spoke highly of the insurance industry so I ended up going back to college for it and have never looked back! One of my first jobs and arguably the most satisfying in my insurance career to date was working as an adjuster. A lot of people have negative thoughts about the insurance industry as a whole. This is because – thankfully, more often than not – you purchase an intangible product that you really hope you will never have to use. While it’s great to not have to make a claim, it means that the value of business insurance can be hard to quantify. Unfortunately, it is only when you actually suffer a loss that you realize the true importance of protecting your business with insurance.”Tyler Mitchell, Advocate, ALIGNED Insurance What Pam Lecavalier believes to be the single most important service insurance brokers deliver… “The most important service a Broker can deliver to a client is to be that trusted resource and fully understand all of their business needs and risk exposures. To navigate through policy language and make coverage recommendations that best suits an individual business’s specific needs.“Pam Lecavalier, Advocate, ALIGNED Insurance Social responsibility is yet another way we deliver a different employee and client experience Our Give Generously campaign connects our clients directly with our social responsibility work. Each year, a portion of ALIGNED Insurance profits are donated to a registered Canadian charity that is selected by our clients. Learn more about our Social Responsibility program. In addition, we support two annual volunteering days for every employee. We are proud that ALIGNED Insurance team members partner with the organizations that they are passionate about helping. In short | Are you interested in joining the ALIGNED team? Each and every day, our team members across Canada are proud to provide a different kind of insurance experience to each and every ALIGNED client. We are actively looking for entrepreneurial and growth-focused people. If you’re interested in joining our rapidly growing team, we’d love to hear from you! To sum up | ALIGNED is our passion as business insurance brokers We’re aligned with each other as colleagues, with the best insurance companies in Canada and, most importantly, our clients. This is why why being as good as one’s word is so important to all of us at ALIGNED. And while there are 18 things that we do differently for our clients, what gives us the most pride how we get better solutions and more value ALIGNED for each and every business we support. That is to say, it’s a privilege to handle our clients’ insurance needs across Canada. Above all, helping others consistently, frequently and generously is vitally important to each one of us.

https://www.alignedinsurance.com/candice-morrish-is-a-proud-aligned-insurance-advocate-2/

2022 will go down as a pivotal year for the (re)insurance industry. Three major events have permanently upset the balance of our sector. The first, in order of appearance, is of course the war in Ukraine. This high-intensity conflict, unprecedented in Europe since the end of the Second World War, is turning European geopolitics upside down and having a devastating impact on Ukrainian civilians, with whom we stand in solidarity as they embody the values of freedom and democracy that Europe holds dear. Even if everything may seem minor beside the human tragedy, this war is also impacting the (re)insurance industry. It is doing so directly through its repercussions on people and property, such as the seizure of aircraft by Russia, but also indirectly with the rise in the price of energy and particularly of gas, which has accelerated the inflationary trend already present in Europe at the end of Covid. The second major event of the year was the end of the low interest rate environment. And for the insurance industry, that’s a big change. Because of inflation, central banks have changed their doctrine and are no longer absorbing the supply of government bonds to artificially maintain a low-rate environment. Quantitative easing is over. Interest rates are rising, inflation is rising, and so in the short term, the cost of risks and claims is rising too. At the same time, higher interest rates also mean better returns on the invested assets we manage over the medium term. If inflation lasts and wages don’t increase fast enough, that will fuel social risks. Finally, there will be more risk for public finances if the most vulnerable countries in the Eurozone can’t withstand the rise in rates. In the third change for the sector, 2022 demonstrated that the increased economic and insurance cost of climate change is not cyclical. For the second year in a row, insured losses linked to natural disasters exceeded USD 100 billion, compared with a ten-year average of USD 72 billion. The mismatch between premiums and observed risks has never been so strong. The (re)insurance industry will not stand still against this backdrop. Of course, rates will have to adjust to the new environment. But we must go further and collectively invest in prevention, prepare our clients for the challenges raised by the paradigm shift we have entered, and innovate by developing new tools. One example of these is parametric insurance, which guarantees that an insured will receive a pre-determined sum of money if certain thresholds set out in the insurance policy are crossed. This facility has become more relevant with the increasing granularity of available data, and more accessible thanks to technological advances. It is particularly useful in providing rapid assistance to the countries most affected by the impacts of climate change, which are often also the most economically vulnerable. This is what we are doing in Fiji, for example, to protect local farmers against the risk of cyclones and torrential rains, and in Kenya, Ethiopia and Pakistan to protect local shepherds and farmers against the risk of drought. In this world where uncertainty has become the norm, insurance has a major social utility. It allows us to project ourselves into the future by pooling risks over time and space. Risk pooling is a real driver of solidarity: if everyone takes out insurance, each person is covered. And that coverage costs less, because the smooth functioning of the system means that the more risks are covered, the lower the rates become. This is a key issue, particularly for agricultural crop insurance and cyber insurance where pooling mechanisms are prevented from working efficiently by the fact that insureds don’t buy enough cover in these areas. The economic model of insurance is built around this value of solidarity. Insurance provides a social foundation that makes it possible to organize life within a society. That’s why, in a world where risk is increasing, governments should develop legislation to encourage economic actors to better prevent risks and better insure themselves. Going forward, this will be the best way for the community to lower insurance rates and enable economic agents to take risks. The development of a social and solidarity-based economy is essential: our values have a price, as two renowned economists have illustrated perfectly. As for insurers, they must — through technology, the expansion of their customer base and a keen appreciation of market trends — provide a service that is, more than ever, in the public interest. Source: Howden (NOVA) Le Prix de nos Valeurs (The Price of Our Values); A. Landier and D. Thesmar This article is also published in French in Le Monde and translated on the author's blog. illuminem Voices is a democratic space presenting the thoughts and opinions of leading Sustainability & Energy writers, their opinions do not necessarily represent those of illuminem.

https://illuminem.com/illuminemvoices/2022-a-tipping-point-for-insurance

There is a new chief underwriting officer at specialty MGA Banyan Risk Ltd. Ben Munro has taken the role and will be responsible for overseeing its plans to grow profitably around the globe. He will also use his experience in the Bermuda market and insurance industry to enhance its models. Who is Ben Munro? Munro boasts an insurance career spanning more than three decades. During that time he has held senior underwriting roles at the likes of Markel, Chubb, and AIG. He also co-founded Briza, a software firm, back in 2018 – it focuses on enabling digital connections between insurers, distributors, and customers. “I am extremely excited to be joining the Banyan Risk team as they continue to expand globally and look forward to helping to achieve our ambitious growth goals,” he said. “We have a phenomenal opportunity in front of us.” What role will he play at Banyan Risk? Banyan Risk is regulated by the Bermuda Monetary Authority and provides bespoke D&O solutions for life sciences, IPOs, technology firms, and SPACs. According to co-founder and CEO Tim Usher-Jones, Munro will bring “market-leading” experience in the D&O, financial institutions, and cyber business lines. “With half a decade spent building a successful insurance company, we will continue to build out a best-in-class data and technology offering,” he noted. “He will greatly enhance our client and broker experience, and strengthen our global team.”

https://altaworld.tech/banyan-risk-names-new-cuo/

The temporary Trade Credit Reinsurance (TCR) scheme that helped struggling supply chain firms secure insurance protection during the pandemic will close at the end of June, it has been confirmed. In a statement, the government and the Association of British Insurers said the scheme will close on 30 June as planned. The TCR scheme was designed as a temporary solution to companies struggling to get insurance cover for transactions because of the pandemic. The government says the TCR has directly benefitted over half a million businesses but is now ending in the context of a positive outlook for economic recovery in 2021. Participating insurers have indicated to the government that the scheme is no longer required and they are keen to take back full underwriting control. The government says it will work with participating insurers to ensure there is a smooth transition to the private sector resuming its normal role of providing cover. Chris Wilford, Head of Financial Services Policy at the Confederation of British Industry, said: ‘There is growing concern amongst businesses about the future of the Trade Credit insurance market following the end of the government’s guarantee at the end of June. ‘It is vital that there is clear guidance on what businesses need to do to ensure coverage beyond the end of the TCI guarantee to smooth the transition towards a normalised market. The CBI welcomes the joint statement by the government and insurance industry and will continue to actively engage to find a solution.’

https://asmataccountants.co.uk/news/trade-credit-insurance-scheme-to-close/

SARASOTA, Florida – July 10, 2017 – Cindy Gaul joins Centauri Insurance as Assistant Vice President of Claims. Gaul brings more than 23 years of claims experience and executive level leadership to Centauri. In this newly created role, Gaul will contribute to the company’s focus on customer service orientation, accuracy, innovation and robust oversight in the claims process. This investment in leadership infrastructure reflects Centauri’s continued dedication to providing best-of-class claims service. Prior to joining Centauri, Gaul spent 23 years at FCCI Insurance Group in Florida where she progressively took on more responsibility. She most recently served six years as Vice President of Claims where she successfully led the company’s largest claims region. “We feel very fortunate to have Cindy bringing her wealth of experience to our team,” said Brock Howard, Vice President of Claims. “More than that accumulated claims expertise, Cindy brings a wide range of diverse talents to bear that will be crucial to the overall success of our growing organization.” ABOUT CENTAURI INSURANCE Centauri Insurance is a property and casualty insurance company based in Sarasota, FL which currently operates across nine states with continual plans for expansion. The company’s success and growth is founded on a culture of financial stability, unparalleled customer service and solid coverage. Visit www.centauriinsurance.com for more information.

https://www.tampabaynewswire.com/2017/07/21/cindy-gaul-joins-centauri-insurance-as-assistant-vice-president-of-claims-59551

Automotive & Mobility Get in touch For media enquiries, please contact Download press kit Wrisk Europe is launched and Stephan Ruby joins from Allianz Automotive as Managing Director Wrisk begins new partnership with global automotive manufacturer Wrisk partners with global automotive business to provide innovative customer focussed insurance solution Flow Capital announces an investment in Wrisk Wrisk partners with FCA Automotive Services UK Ltd to offer subscription car insurance propositions across FCA Group brands Wrisk designs, builds and launches an innovative embedded insurance product for the all-electric Renault ZOE. heycar and Wrisk launch digital subscription product with heycar motor insurance Wrisk recruits additional automotive insurance specialists to support its growth in the UK Wrisk announces the formation of a new subsidiary in the USA, which will be headquartered in Hartford, Connecticut. Wrisk makes four appointments to further its growth in the global automotive insurance sector Wrisk makes three appointments to cement its place as the insurtech leader in the global automotive B2B2C sector Wrisk raises £4.6m in Series A funding to transform the B2B2C insurance market Wrisk named in three prestigious insurtech publications Wrisk partners with RAC to offer Pay by Mile subscription car insurance Wrisk launch pay monthly insurance for MINI with three months of free cover. Wrisk appoint Nimeshh Patel as new CEO Wrisk announce partnership with Allianz We help the world’s largest brands protect the things their customers care about the most. Request a demo

https://www.wrisk.co/press

Fire safety is a critical aspect of any construction, especially in a bustling city like Chennai. The devastating consequences of fire accidents underscore the need for robust fire protection measures. In this blog, we will explore the crucial role of fire-resistant best steel TMT bar in Chennai, in enhancing fire safety for structures. We will also delve into the best steel TMT bar options available, including the reputable best tmt bar company in India, Extra life TMT bars manufacturer, known for being the Leading Steel Manufacturing Company in India and offering the best steel TMT bars in Chennai. India witnesses over 200,000 fire accidents annually, resulting in significant property damage, injuries, and loss of lives. Around 60% of fire accidents occur in urban areas, making it vital to address fire safety in densely populated cities like Chennai. Construction materials play a crucial role in determining the fire resistance of buildings, with TMT bars being an integral component. The Importance of Fire-Resistant TMT Bars: TMT (Thermo-Mechanically Treated) bars are widely used for structural reinforcement in construction due to their high tensile strength and ductility. In the event of a fire, the behaviour of TMT bars is crucial in maintaining the structural integrity of a building. Fire-resistant TMT bars are specially designed to withstand high temperatures, preventing them from losing strength and shape during a fire emergency. - Delaying Structural Collapse: Fire-resistant TMT bars can withstand elevated temperatures for an extended period, providing valuable time for occupants to evacuate safely and for firefighting efforts to be initiated. This delay in structural collapse is crucial in saving lives and minimizing property damage. - Maintaining Load-Bearing Capacity: During a fire, conventional steel may weaken and buckle, reducing the load-bearing capacity of the structure. Fire-resistant TMT bars, however, retain their strength, ensuring the building's stability during and after the fire event. - Protecting Critical Infrastructure: In Chennai's urban landscape, numerous critical infrastructure facilities, such as hospitals, schools, and commercial centers, require enhanced fire safety. Fire-resistant TMT bars offer added protection, safeguarding these essential structures and the people within them. Best Steel TMT Bar Options in Chennai: When it comes to choosing the best steel TMT bars in Chennai, it's essential to consider the reputation of the manufacturer and the quality of their products. Among the list of tmt bar companies in India, no 1 tmt Steel manufacturers in India out as a trusted and reputable choice. As the leading steel manufacturing company in India, they offer the best steel TMT bars in Chennai, ensuring fire resistance and meeting stringent fire safety requirements. Benefits of Extra Life TMT Bars: - Superior Fire Resistance: Extra Life TMT Bars are manufactured using advanced technology and carefully selected raw materials, ensuring excellent fire resistance, which is crucial in fire-prone environments like Chennai. - High Tensile Strength: Their TMT bars possess high tensile strength, making them ideal for reinforcing structures, enhancing their load-bearing capacity, and resisting deformation during fires. - Corrosion Resistance: Extra Life TMT Bars are designed with corrosion-resistant properties, ensuring long-lasting durability, especially in Chennai's coastal climate. - Trusted Manufacturing Practices: As the leading steel manufacturing company in India, Extra Life TMT Bars adheres to rigorous quality assurance procedures and standards, ensuring that their products meet the highest benchmarks of safety and reliability. The Role of Fire Safety in Urban Planning: Chennai's urban planners and policymakers must also play a pivotal role in ensuring fire safety within the city. Incorporating fire-resistant building materials, such as TMT bars, in construction regulations and building codes can significantly improve fire safety standards. Encouraging fire safety audits for existing structures and implementing fire safety drills can further strengthen Chennai's resilience against fire accidents. Fire Safety Education and Awareness: Raising awareness about fire safety among architects, engineers, contractors, and building owners is crucial in promoting the adoption of fire-resistant TMT bars. Providing educational resources and organizing workshops can empower stakeholders to make informed decisions when it comes to enhancing fire safety in their projects. The Vulnerability of Chennai's Urban Landscape: Chennai's rapid urbanization and high population density have led to the construction of numerous residential and commercial buildings, making fire safety a top priority. The city's bustling infrastructure and congested areas can pose challenges for fire-fighting operations, making it crucial to fortify structures against potential fire hazards. Code Compliance and Certifications: Fire-resistant TMT bars must adhere to specific fire safety standards and certifications. In India, these standards include IS 1786:2008 and IS 13620:1993. Additionally, international certifications, such as ASTM E119, BS 476, and EN 1363-1, are recognized for their rigorous fire testing protocols. Always ensure that the TMT bars you choose meet these critical fire safety benchmarks. Public Awareness Campaigns for Fire Safety: Public awareness campaigns play a crucial role in disseminating fire safety information to residents, business owners, and the general public in Chennai. Engaging in multimedia campaigns, workshops, and community outreach programs can educate individuals about the importance of fire-resistant TMT bars and other fire safety measures. Empowering citizens with knowledge can create a more fire-conscious community and foster a culture of safety. Fire Safety in High-Rise Buildings: Chennai's skyline is dominated by high-rise buildings, which pose unique fire safety challenges. Discussing specific fire safety considerations for tall structures, such as fire escape plans, smoke control systems, and the use of fire-resistant TMT bars in skyscrapers, can offer valuable insights for architects and developers. Government Initiatives and Incentives for Fire Safety: Chennai's government can play a proactive role in promoting fire safety. Offering incentives or tax benefits to builders who incorporate fire-resistant TMT bars in their constructions can incentivize the adoption of fire safety measures. Fire Safety Audits and Inspections: Regular fire safety audits and inspections of buildings can help identify potential vulnerabilities and ensure that fire-resistant TMT bars are properly installed and maintained. Government agencies and fire departments can collaborate to conduct these inspections and enforce compliance with fire safety regulations. Fire safety is of utmost importance in Chennai's bustling urban environment, where fire accidents can have devastating consequences. The role of fire-resistant TMT bars in enhancing structural integrity during a fire event cannot be overstated. Choosing the Best steel TMT bar in chennai, such as those provided by Extra life TMT bars manufacturer, ensures that structures in Chennai are fortified against fire hazards, protecting lives and property. Prioritizing fire-resistant TMT bars in construction is an investment in safety and peace of mind, ensuring that buildings stand strong even in the face of adversity.

https://www.dostally.com/read-blog/130956_forging-safety-how-fire-resistant-tmt-bars-shield-chennai-039-s-constructions.html

President of the Board of Directors of the Association of Greek Insurance Brokers Michael Tzortzoris is the President of the Association of Greek Insurance Brokers (AGIB) and Managing Director of Amt Insurance Brokers. He is a second-generation insurance intermediary, with his family being active in the Greek insurance market since the early 1970s. He has worked as an insurance consultant, insurance agent, Coordinator of Insurance Advisors, and Insurance Broker. He also has significant experience in the UCITS and AIF Mutual Funds market, the secondary market of Government-Corporate Bonds, as well as Financial Derivatives. 1994: His professional career began in July 1994, alongside his studies at the National and Kapodistrian University of Athens and the School of Physical Sciences (Department of Mathematics). 2002: In 2002, he took over the position of Branch Manager at Phoenix Metrolife Commercial (Groupama) in Piraeus, as an Agency Manager. Over the next five years, he created, trained, and coordinated new insurance advisors. He was also awarded for his productive performance in the Life and Investment Insurance Programs. 2010: In 2010, he founded “AMT Insurance Brokers,” which specializes in insurance for individuals and has significant expertise in health insurance. 2017: In 2017, he became a member of the Board of Directors of the Association of Greek Insurance Brokers and was responsible for the Members Committee. 2019-until Today: Two years later, he was elected President of the Board of Directors of the Association of Greek Insurance Brokers.

https://ethosevents.eu/en/speaker/michalis-tzortzoris-4/

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https://www.directory-listing.net/insurance/

Roosted, the first app-based real estate referral brokerage, is pleased to welcome over 30 agents from Hall Referral Network (HRN) to the Roosted family. HRN is a referral brokerage in Arizona that sees the value in their agents becoming part of the Roosted umbrella. The partnership allows licensed agents from HRN to take advantage of Roosted’s technology to easily create and make money from real estate referrals. “I’ve researched several companies to help make the transition smooth,” said Carole Sexton, designated broker, as she announced the sunsetting of HRN. “I found, what I feel, will be the perfect fit in Roosted.” Roosted knows the value of experience in the real estate industry. Roosted places all referrals with REALTORS® nationwide for a 35% referral fee. Our Partner Agents are active, licensed agents with a proven record of success. “Our goal is to create a win-win for agents and brokerages,” said Dane Briggs, founder and Designated Broker for Roosted. “Roosted’s Broker Program allows the brokerage to retain transactions, while allowing agents to keep an active license with minimal fees.”

https://roosted.io/roosted-welcomes-agents-from-hall-referral-network/

The Board of Directors of First City Monument Bank Limited (the Bank) have announced the appointment of Mrs. Oluwatoyin Olaiya as Executive Director, Risk & Compliance. This follows the approval of the Central Bank of Nigeria (CBN). Mrs. Olaiya is a finance and risk management professional with over 30 years of experience. Prior to her appointment, she was the Chief Risk Officer / Divisional Head Risk Management at FCMB, overseeing Enterprise Risk Management, Risk Policy, Credit Administration, Credit Underwriting and Monitoring. She has been responsible for redefining the Bank’s risk policies, improving risk management culture across the institution, and proactively ensuring the implementation of a cyber security strategy for the Bank. She started her career as an auditor with KPMG, from where she moved to different roles in domestic operations, internal audit, business development, financial control, compliance and enterprise risk management in the banking industry. She joined FCMB in 2016 from Sterling Bank, where she was the Acting Chief Risk Officer. Mrs. Olaiya is an Accounting graduate of the University of Ife (now Obafemi Awolowo University), and a fellow of the Institute of Chartered Accountants of Nigeria. Dear readers, we really need your support to keep on serving you with authoritative, truthful, and juicy stories everyday. For your support, please reach out to the editor @[email protected]

https://thegavel.com.ng/fcmb-appoints-oluwatoyin-olaiya-as-ed-riskcompliance/

Connell Foley LLP is proud to announce that the firm’s Insurance practice has been named by the New Jersey Law Journal as a 2017 “Litigation Department of the Year.” As noted by the Law Journal, “New Jersey is home to a number of formidable litigators and litigation practices. Standing out is no easy task.” Firms selected for this year’s honors “have gone beyond just providing good counsel. In some cases, the practitioners making up these departments helped advance the law; in others, they successfully represented institutional clients in high-leverage disputes. The engagements vary greatly, but the winners all have excellence in common.” Advising clients on the full range of insurance coverage, defense and subrogation matters, Connell Foley lawyers are regularly involved in some of the most complex insurance cases throughout the nation and abroad. Our insurance practice includes several Certified Civil Trial Attorneys, underscoring the firm’s trial strengths and experience. Connell Foley’s Insurance Coverage Practice Group routinely litigates on behalf of insurance industry clients with respect to coverage matters arising under a broad range of policies and involving various risks. We serve as lead trial and coverage counsel in a variety of high exposure and sophisticated matters for the world’s largest insurance carriers. Connell Foley also represents insureds in the full spectrum of domestic and international liability defense matters. Our team has argued pivotal cases before numerous appellate tribunals, creating important industry-favorable precedent on a range of key issues. The “Litigation Departments of the Year” winners will be honored Tuesday, June 20, 2017, at the Law Journal's Professional Excellence event at Brooklake Country Club in Florham Park. Other firms selected for an award this year are: • Fox Rothschild - General (Large Firm) • Riker, Danzig, Scherer, Hyland & Perretti - General (Midsized Firm) • Gibbons - Class Action • Methfessel & Werbel - Insurance (Small Firm) • McCarter & English - Products Liability • Morgan, Lewis & Bockius - Labor and Employment • Lerner David Littenberg Krumholz & Mentlik - Intellectual Property For more information, please click to read about the “Litigation Departments of the Year.”

https://www.connellfoley.com/newsroom-news-connell-foley-wins-litigation-department-of-the-year-award-for-insurance-practice

General Search & Recruitment (GSR) is a professional firm with over 43 years of insurance staffing expertise. We specialize in sourcing and recruiting the very best talent in the insurance sector, with a focus on underwriting, claims, and sales. At GSR, we understand the unique dynamics and demands of the insurance industry. We have honed our skills to pinpoint the most qualified professionals, ensuring that our clients have access to the brightest minds in the field. Our recruitment process is comprehensive and thorough. We not only source candidates, but we also screen them rigorously to ensure that they meet our high standards. We stay up-to-date with the industry's pulse, continuously adapting our strategies to find the best fits for our clients. Through our years of experience, we have built valuable relationships with both professionals and employers in the insurance industry. We strive to refine and redefine the recruitment process, ensuring that our clients find the perfect match for their needs. If you are looking for insurance underwriting recruiters in Missouri, trust GSR to deliver exceptional results. We have a deep understanding of the industry and a vast network of talented professionals who are ready to make a difference in your organization. For more information about our services, feel free to visit our Forrest T. Jones Launches Accountants Professional Liability Program page. You can also check our partner website insurancerecruiters.com for additional resources. Connect with us on LinkedIn: Stay updated with the latest news and trends in the insurance industry by visiting Insurance Journal website. Choose GSR for your insurance underwriting recruitment needs and experience the difference that our expertise can make. Contact us today to get started!

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

Partners for life Trafalgar makes agents a priority Trafalgar proudly notes that it has been befriending travel agents for more than 70 years, and its parent company has established a terrific rapport with them as well. Wolf Paunic, who oversees Trafalgar’s Canadian operation, says the tour operator continually reaches out to the travel agency community. “For over 72 years, Trafalgar has worked closely with retail travel agents to build a concentration of repeat business and high level of loyalty and trust with both travel agents and travellers,” he says. “For several years now, Trafalgar has focused on #AgentsFirst in marketing activations, sales initiatives and consumer events across the nation. “We always recommend clients to book with qualified travel agents who have experience in explaining unique Trafalgar travel programs and value. We’re always working with agencies and agents in Canada and investing in substantial resources to build our businesses together.” Trafalgar – which has been the perennial favourite in the Agents’ Choice Awards Motorcoach Operator category for the past 17 years – has numerous incentives, sales tool and training programs for agents. “We love to recognize our agents partners and enable them to experience Trafalgar through an attractive Travel Agent Discount program, periodical tactical incentives and, above all, by offering ‘Love to Talk Travel’ events across Canada as a ‘close the sale’ tool,” Paunic says. “Many of our agent partners generate hundreds, if not thousands of dollars in commission in one night.” Trafalgar and Costsaver – another brand of The Travel Corporation – recognize their top agents with the exclusive, merit-based, global agent appreciation events Acclaim and Clique. The annual agent incentive trip Acclaim will visit Trafalgar’s newest destination of Africa in 2019 and Costsaver has launched its first global fam trip, the Costsaver Clique, a rewards trip giving 13 top-selling agents from Canada the exclusive opportunity to experience its inaugural program in Asia this year. Trafalgar has expanded its sales team to cover more retail accounts and added to its marketing department to deliver better tools to the trade. “We were the first to celebrate International Travel Agent Day, with recognition parties in both Toronto and Vancouver,” Paunic declares. Paunic says Trafalgar’s participation in the Agents’ Choice Awards demonstrates its support for the travel agent community, noting the company was involved at the awards’ very beginning. Peace of mind He says Trafalgar clients appreciate travel agents and the “value and peace of mind” they provide to both guests and tour operators alike. “Knowing that travel agent distribution has fully recovered from the trials and tribulations of the past 10 years is relieving – and super important to us.” The Travel Corporation has 30 brands worldwide and Paunic says it “values each and every travel agent partner.” He praises its “robust new online program” My Travel Portal, which is “designed to provide agents and guests with a simplified solution to deliver nothing but the best service.” The Travel Corporation is “always reaffirming its commitment to its partners,” he continues. Meanwhile, Paunic is upbeat about the future of travel agents in this country. “Travel agents have displayed their adaptability to technology, changed consumer buying habits, global and local challenges and have not only survived, but thrived and established a strong presence that is here to stay,” he says. “And we wouldn’t want it any other way – so we are here to help and support [agents].” Win A Spain & Portugal Trip From Trafalgar As a primary sponsor of the 2019 Agents’ Choice Awards readership survey, presented by Travel Courier, Canadian Travel Press and PressToday, Trafalgar is offering a two-country, 13-day “Highlights of Spain and Portugal” trip for two. For a chance to win the prize – or others – simply take part in the Agents’ Choice Awards survey at: https://agentschoice2019.questionpro.com. The closing date for voting in Agents’ Choice 2019 is April 5, 2019.

https://www.travelpress.com/digital_posts/partners-for-life-2/

Adopting a multi-level agent system marks a strategic turn in the online casino industry, offering a comprehensive solution that extends beyond managing agents and sub-agents to encompass complete control over casino operations. Expansive Multi-Level Framework for Business Growth This system grants agents the ability to expand their reach, opening avenues for fresh business ventures. By appointing and overseeing sub-agents, agents can create a network that deepens business ties and aids in expanding their market footprint. Advanced Access Control for Streamlined Operations The system’s advanced access control features make managing a broad agent network both efficient and secure. Operators can fine-tune access permissions for different agent levels, ensuring optimal resource allocation and clear delineation of duties. Clarity in Commission Models for Enhanced Trust With its transparent commission structures, the system builds a foundation of trust among agents, who are fully aware of their earnings from gaming operations. This clarity fosters loyalty and encourages more proactive agent engagement. Instant Data Access for Quick Decision-Making Real-time data access empowers agents to make quick decisions, allowing them to effectively adapt to market changes. This includes monitoring player activities, evaluating marketing initiatives, and more. Integrated KYC for Assurance and Compliance The system’s built-in KYC module increases the overall security and compliance with legal standards, helping to prevent fraudulent practices. Financial Control Panel for Insightful Analysis A comprehensive financial control panel is available to agents, providing detailed analysis of financial flows, essential for effective budgeting and strategic planning. Extensive Reporting and Analytics for Knowledge-Driven Decisions The system offers a wide range of reporting and analytics tools, giving agents a thorough understanding of their operational efficiency and financial health. Sophisticated Back-Office for Effective Management The enhanced back-office functionality ensures agents have a clear view of all necessary information, crucial for maintaining effective control over their business operations. This multi-level agent system is not merely a software solution; it is a strategic instrument that enables casino operators to maximize profitability and streamline their operations. It provides agents with the means to build a solid and profitable network, fostering sustainable growth and success in their business ventures.

https://venasnews.co.ke/2023/12/06/strategic-solution-for-gaming-business-management-embracing-the-multi-level-agent-system/

M&A and Transaction Solutions M&A Insurance Choices Are Really Investment Decisions Understanding M&A risk management options can yield the best use of capital, competitive advantage and value creation. January 31, 2024 This content was originally published in Crain’s Cleveland and is reprinted here with permission. Both middle-market CEOs were experienced and savvy, and both pursued strikingly similar acquisitions. Two years later, one of the deals had checked every box and exceeded the buyer’s most optimistic expectations. The other was stumbling along and a constant source of criticism from the board. Would you believe the difference largely came down to how the two CEOs viewed risk and insurance? The CEO of the faltering deal faced more than their fair share of unpleasant surprises, among them a handful of extraordinary medical claims resulting from worker injuries, a programming error that triggered a costly product recall, and a three-week shutdown of a critical overseas vendor to repair damage from a typhoon. The other CEO also encountered unanticipated problems large enough to impact earnings. Why didn’t those issues derail the newly combined enterprise’s goals? Although nobody can accurately predict every situation capable of creating headaches for companies, the CEO’s mandate to the acquisition team emphasized both a frank examination of potential risks and the identification of strategies to best address those risks. The successful CEO sought to decapitalize what the company might otherwise spend on insurance. Armed with a comprehensive look at risk management, the leadership team was able to consider a variety of strategies to best address areas of concern. Those strategies included retaining manageable risks by increasing deductibles, exploring ways to link specific risks more affordably with insurance policies, and using captives and other vehicles. Taking such a strategic approach to the combined companies’ management of risk allowed the management team to redeploy capital they might have otherwise spent on insurance to fund initiatives supporting growth and a stronger competitive position. Instead of thinking of insurance as just another inevitable expense, the CEO approached the risk management spend as an investment in the companies’ future. Of course, none of that would have been possible had the CEO not been open to discussing shifting strategies for funding risk mitigation. If leadership intends to spend a dollar in capitalizing insurance, it needs to approach it with the same level of rigor it would assign to capitalizing an investment in a plant expansion. The business case for risk management demands a detailed analysis of the finances, the expected utility, and its impact on the combined companies’ return on capital. Only with that level of understanding can the leadership team confidently decide to transform the use of insurance into an investment decision that not only drives cost out of the traditional insurance spend but provides an opportunity to increase market leverage and competitive advantages. The leadership team drew upon the specialized expertise of their risk management consultants to better understand the company’s business risk from an insurance perspective. Because not all risks are created equal, identifying and prioritizing risks is the first step. The newly combined entity would face hundreds of potential risks and could not mitigate them all, so the consultants identified the top handful of risks deserving the greatest focus and funding. A universal outcome of most M&A transactions is an increase in financial wherewithal. That has the potential to fund a more effective risk management program, but before the company can determine whether it wants to—or should—capitalize insurance or assume risk on its balance sheet, it must understand its financial risk-bearing capacity. Knowing what the leadership team will have available to work with requires the same kind of financial analysis that is a part of other significant investment decisions. The consultants also created a sensitivity analysis for insurance, which begins by quantifying the expected annual dollar value of losses in each major line of coverage (e.g., general liability, workers’ compensation). By modeling both entities individually and combining the forward-looking exposure base, unit rate averages and volatility, the consultants presented an actuarially sound forecast of future economic impact, giving the leadership team statistical certainty to support decision-making. If the analysis concludes that expected losses in a particular category are well below what insurance carriers would charge, the leadership team can consider alternatives. Finally, given an actuarial understanding of the combined companies’ prioritized risks, risk-bearing capacity, and likely losses, the consultant identified options for efficiently addressing those risks. Should the team choose to go ahead and purchase traditional insurance, the information gathered through the process will help them determine the appropriate investment amount and negotiate the best rates. Conversely, if leadership recognizes they can instead use the capital to build and grow the business, that’s true risk optimization. Ultimately, choosing whether to use insurance is an investment decision. By partnering with an experienced insurance risk management consultant, the CEO ensured the leadership team understood all their options to make the best use of their capital, achieve a competitive advantage and create more value. The above information does not constitute advice. Always contact your insurance broker or trusted advisor for insurance-related questions. Global M&A | Transaction Solutions Leader Kip joined Hylant in 2013 and has over three decades of experience in the industry. Kip provides strong leadership to his team and clients. Kip's expertise includes mergers & acquisitions, structured finance and insurance, and alternative risk financing.

https://hylant.com/insights/blog/m-a-insurance-choices-are-really-investment-decisions

1. Chicago Fire Chicago Fire is a gripping television drama that follows the lives of firefighters and paramedics working at the Chicago Fire Department. The show’s intense, action-packed scenes of fires and emergencies are interwoven with compelling storylines that explore the personal and professional lives of its characters. One of the reasons why Chicago Fire is worth watching is its strong and diverse ensemble cast. The show features a range of talented actors who portray characters with unique personalities and backgrounds. From the brave and loyal Lieutenant Kelly Severide (Taylor Kinney) to the ambitious and headstrong paramedic Sylvie Brett (Kara Killmer), each character brings a unique perspective to the show’s overarching narrative. The show has an amazing ability to balance intense action with emotional storytelling with its compelling storylines that tug at viewers’ heartstrings. Whether it’s exploring the aftermath of a tragic fire or delving into the complex relationships between the characters, Chicago Fire is not afraid to tackle difficult topics. While all of the One Chicago shows are special, Chicago Fire is arguably the best of the One Chicago franchise shows and stands out as the original and the most well-rounded of the bunch. While the other shows focus on specific aspects of the city’s first responders, Chicago Fire offers a comprehensive look at the lives of firefighters and paramedics, making it the ultimate Chicago franchise show. Chicago Fire is a must-watch for anyone who loves intense action, heartfelt drama, and captivating characters. With its compelling storylines, talented cast, and unique perspective on Chicago’s first responders, this show has something for everyone.

https://onechicagocenter.com/2023/03/18/4-one-chicago-shows-ranked-worst-best/4/

Welcome to Majestic Colours – Your Premier Choice for Commercial Painting in Burlington! Elevate your business space with Majestic Colours, your go-to destination for top-tier commercial painting in Burlington. With a reputation for excellence and an unwavering commitment to quality, Majestic Colours is your trusted partner in transforming commercial spaces into vibrant, visually appealing environments. Why choose Majestic Colours for your commercial painting in Burlington? Our team of skilled professionals is dedicated to delivering exceptional results that exceed your expectations. We understand the importance of creating an inviting and professional atmosphere for your clients and employees. Majestic Colours combines expertise, innovation, and premium materials to ensure your commercial space reflects the success and identity of your business. As the leading name in commercial painting in Burlington, Majestic Colours offers a comprehensive range of services tailored to meet your unique needs. Whether you’re looking to refresh the interior, update the exterior, or add a touch of creativity with specialty finishes, our experienced team has you covered. At Majestic Colours, we take pride in our customer-centric approach. From the initial consultation to the final brushstroke, our team works closely with you to understand your vision and bring it to life. Our commitment to excellence makes Majestic Colours the preferred choice for commercial painting in Burlington. Ready to transform your commercial space? Choose Majestic Colours for unparalleled expertise, quality craftsmanship, and a commitment to perfection. Experience the difference with Majestic Colours – Your Premier Choice for Commercial Painting in Burlington!

https://majesticcolours.com/commercial-painting-in-burlington/

1分钟极速赛车开奖查询记录 官网开奖记录下载 ERS and Acturis team up on full-cycle API car product for brokers Acturis and specialist motor insurer ERS have launched an API based car insurance product for brokers on the software provider’s platform which replaces legacy EDI messaging. 168极速赛车在线开奖官方网站 现场直播开奖视频 People Moves: 30 May – 2 June 2023 Stay in the loop with the latest personnel moves in insurance. A-One Insurance Group has joined Brokerbility, becoming the first member to sign up after the network unveiled a refreshed proposition in April. With a laser-like focus on growth, Zurich retail boss David Nichols is keen to bring a new lens to the insurer’s offering and deliver for brokers. - Allianz Commercial boss Simon McGinn to leave - Insurtech ILS specialist eyes capacity entrance into UK motor broking - Home quote prices jump 9.3% in three months - Howden taps into Ingenie for UK telematics roll out - Interview: Melissa Collett - Markerstudy maintains motor capacity amid Italian insurer cutbacks - Jensten Group buys up Coversure member The Insurance Age Top 75 is an essential guide to the top brokers in the commercial and personal space and lists organisations in bandings relating to their GWP. It is updated annually and calculated via submissions from participants and features rankings, a directory and analysis from experts. Keep up-to-date with the latest in broker M&A with this dedicated tracker. It has been a year of huge change and movement across the industry, with consolidation a major factor. Find out which firms are amongst the top insurance brokers in personal lines in the UK.

http://reviewequip.com/

At the nexus of insurance and geospatial information sits an important commodity: trust. People and businesses turn to insurers for protection in the event of a disaster. In turn, insurers look to reinsurance to protect themselves. In this swirl of individual policies, claims, disasters, and shifting populations, geospatial data brings clarity and actionable insights. For an industry operating on both global and local scales, the ability to track regional trends and apply them to individual policyholders has proven indispensable. From health insurance to risk analysis, event monitoring to route planning, the insurance industry uses GIS, Satellite Imagery and various other geospatial inputs and technology to go beyond static figures and spreadsheets. The clearest examples may be with risk assessments where geospatial technology is leveraged to better assess risk across time and space. For example, in an area affected by frequent power outages, insurers can use past outage trends to predict where future ones might occur, down to individual buildings utilizing GIS. This allows for a more strategic policy offering, tailored to the specific risks of an area. Geological data can be used to evaluate earthquakes and natural risk hazards, determining whether a repeat catastrophe in that area is likely. The same goes for crime – home insurers can integrate their location information with that of the nearest police station’s activity, giving a clearer picture of the pattern of crime. Property values can be folded in, too, by linking with real-estate marketplace services. The one commonality amongst all the various use cases in the insurance industry is the demand for accurate and constantly updated data. East View Geospatial is the sole provider of one of the best tools on the market, the LandScan Global Population Database. Developed by the Department of Energy’s Oak Ridge National Laboratory, LandScan is the industry standard for global population distribution. It is the world’s most accurate spatially referenced ambient population distribution model and features the finest resolution global population database. This provides insurers with critical location-based insights. The database is updated annually reflecting improvements in source inputs and algorithms. What does this mean for insurers? Quick and simple assessments, estimates, and visualizations of populations at risk. Population data like LandScan is extremely valuable to the health insurance industry, too. In places that require health insurance, city officials can use GIS to pinpoint areas of low coverage within a city, even making predictions based on factors like income, health, and age. This is more than just a benefit to insurers – the refining of risk factors helps identify areas where the population may be more susceptible to an outbreak or specific illness. Customer service-wise, the heightened ability to anticipate the aftermath of a disaster based on past events, while simultaneously following events in real time, gives insurers the capability of immediate action. Using imagery and geospatial data means customers can get their claims faster, and recovery can get underway sooner. With the power of objective geospatial data behind that decision-making, the outcome can be trusted, not contested.

https://geospatial.com/the-geospatial-convergence-the-many-applications-of-geospatial-data-in-the-insurance-industry/

Are you looking for office or commercial shops for sale in Vadodara? Your search ends here at NooBrokerage! We offer an extensive selection of commercial properties that cater to various business needs and budgets. Whether you are an aspiring entrepreneur or an established business owner looking to expand, our listings include running shops, commercial spaces, and budget-friendly options to suit your requirements. Let us help you find the perfect shop for your business in Vadodara. Ready to find the best commercial shop for sale in Vadodara? Explore our listings and begin your journey towards owning your dream business space. At Noo Brokerage we offer a wide range of commercial properties for sale and here you also do not have to pay any brokerage charges. We are committed to providing transparent and user-friendly services to all our customers. More than 100 customers are happy with our services. We offer different commercial properties for sale in Vadodara, like commercial shops, offices, and showrooms. We also provide running shops for sale in Vadodara. At Noo Brokerage, you do not have to pay any brokerage fees when you buy or list a commercial property for sale on our platforms. We have a platform where you just need to log in and register your property or connect directly with the seller of the property to buy a property. You can check the page commercial properties for sale where we have more than 160 properties listed already. Also, you can use filters like price, keyword, property type, and property location to narrow down the result. After checking for the range of different properties, you can connect directly with the owner if you find one suitable as per your requirements. If you want you can also connect with us in case of any queries. If you are buying a commercial property in Vadodara there are some factors that you need to consider like the nearness of the amenities like bus station, railway station, access of the customers in the location, proper verification of necessary documents, and other required facilities and amenities.

https://www.noobrokerage.com/shop-commercial-office-for-sale-vadodara

Our Insurance coverage Threat & Response Index for Q2 2023 is right here. This report analyzes the insurance coverage shopping for patterns of startups every quarter. Taken from proprietary, inside information, the report affords an evaluation of the buying choices and developments for 3 important insurance policies: Administrators and Officers, Employment Practices Legal responsibility, and Know-how Errors and Omissions. Sneak Peek at Q2 2023 Threat & response Index This quarter, we initially noticed a settling interval from March’s post-SVB spike, adopted by a gradual, unseasonal improve in shopped insurance policies throughout the board to shut it out. The information reveals that when searching for protection, founders are nonetheless looking for larger limits on Administrators and Officers (D&O) insurance coverage. The variety of corporations looking for $3 million protection limits elevated from 12% in April to 21% in June. As corporations develop or in the event that they anticipate a riskier enterprise atmosphere, they are going to go for larger limits – generally as much as $5 million – to reduce losses or legal responsibility. As one other unprecedented banking failure rocked Silicon Valley and past, the startup group responded with danger switch, nonetheless unsettled by what gave the impression to be an unstable monetary atmosphere. After the frenzy of the SVB collapse in Q1, searches for D&O quotes with $2 million limits elevated 89% month-over-month from March to April. The general quantity of quotes requested have been down between March and April however confirmed a 15% improve in comparison with February. Whereas the acute disaster of the SVB closure has since resolved, founders are actually reassessing the dangers concerned of their startups — and taking steps to reduce them. From Embroker’s Chief Income Officer, Ben Jennings: “Founders are persevering with to really feel the exterior and inside pressures on their enterprise, evidenced by the varieties of insurance coverage insurance policies they’re exploring. Nonetheless recovering from an unsettling first quarter, startup founders are searching for the precise insurance coverage insurance policies to cowl them from a broader vary of potential dangers. They’re hoping for the perfect, however getting ready for the worst.” Q2 noticed a rise in each of those insurance policies, however the limits for EPLI dropped dramatically. This can be the results of decreased layoff exercise within the tech and startup sector, workers getting used to being again in workplace or completely staying at residence, or summer time settling in, and everybody merely having fun with somewhat extra sunshine. To seek out out simply how many individuals lowered their EPLI limits in Q2, and for extra information and insights, take a look at our full Threat & Response Index right here.

https://kiranbhalerao.com/q2-2023-insurance-coverage-threat-response-index/

About GFH Underwriting GFH Underwriting Agency LTD. (GFH) is a Managing General Agent (MGA) / Wholesale Insurance Broker. GFH is 100% owned by NACORA Holding AG, a global insurance broking company which is a member of the Kuehne + Nagel Group of Companies, one of the world’s leading logistics providers with offices in over 100 countries and 63,000 employees. GFH Underwriting Agency Ltd. is a premium Underwriting Agency (MGA) for commercial insurance brokers formed in 2013. Our Underwriter Team CEO & Managing Director Darryl assumed the role of CEO & Managing Director at GFH Underwriting Agency Ltd, Canada in 2020. Darryl brings a broad range of working experience across all lines of insurance for over 20 years. His primary focus among all lines of business is managing GFH’s International Marine business. Darryl’s extensive knowledge covers a variety of product lines and industry sectors within the general and specialty insurance landscape. As CEO & Managing Director, Darryl manages all frontline relationships with GFH’s Insurance companies & retail broker partners, allowing GFH to diversify its portfolio and offer the best of class in product and coverage. Darryl ensures GFH’s day to day operations run smoothly, achieving broker satisfaction from their initial onboarding experience, to the service and support they receive. Darryl holds a Bachelor’s degree along with a RIBO Level II Unrestricted brokers License and CIP (Charterd Insurance Professional Designtation) designation. Jean joined GFH in 2020. Jean has over 30 years’ experience in the insurance industry, both marketing and client facing, providing her with a strong knowledge of the policy wordings, insurance marketplace, and various coverages available. She has worked on a number of industries including, but not limited to transportation, waste management, manufacturing, environmental, chemical, mining and power and utilities. Jean’s vast experience and technical knowledge of policy wordings and the insurance market place, will assist her to offer GFH’s brokers with the suitable coverages and insurance companies best suited for their business exposures. She has completed her Chartered Insurance Professional (CIP) and Canadian Risk Management (CRM) designations. Supervisor, Operations & Underwriting Sarah Joined GFH in 2020, she brings over 10 years experience working in various positions in a commercial brokerage. Sarah has a broad knowledge of all lines of business as well as Programs, transportation and SMB.. Sarah's responsibilities include the day to day operations including Lloyds reporting and Underwriting. Sarah is RIBO Licensed and has completed the Canadian Managing General Agent designation. Maritimes (NS, NB, PEI & NL) Scott has been actively involved in the Marine Insurance business for more than 20 years. In the past 20 years, he has been working with his network of brokers as an Underwriter handling commercial & pleasure craft as well as providing wholesale solutions on tough to place business. What We're Known For We tailor insurance products to your needs and the needs of your business. Being honest with our clients is one of our most important traits. We analyze your risk exposure to assure you are using the right products for your venture.

https://www.gfhassure.com/about/

Insurance Broker Marketing Creative Marketing Communications Agency for Insurance Brokers. BrandBrown is a specialist marketing agency for UK insurance brokers. BrandBrown was created to be a refreshing hands-on insurance broker focused marketing agency, designed to support your brokerage, however large or small, with brand building, communications and all things creative. Activity-led creative communications 20 years hands-on experience We want to work with like-minded businesses “We felt like we were already a marketing led business with a strong brand. Bringing Brand Brown on board has given our marketing and brand a new lease of life. Our marketing focus is stronger as a result and Rob has brought our ideas to life brilliantly, having a very positive impact on our brand and our customer and supplier relationships. We would recommend Rob to anyone, whether you are just starting out or you are an established business looking for some direction for your brand.” Laura Hancock – Director – Yutree “Always great ideas and swift turnaround times. Excellent value and a top supplier.” Chris Stillman -Managing Director – Stillman Insurance Brokers “My business can plan better with strategies put in place by Brand Brown and ultimately, Brand Brown has ensured that income has increased significantly.”

http://www.brandbrown.co.uk/insurance-broker-marketing/

Judges revealed for Elite Women 2024 Meet the industry leaders in the judging panel for this year’s showcase As the deadline for nominations on Friday, October 13 approaches, the judges for Insurance Business’s Elite Women 2024 have been revealed: - Jose Aponte, vice president at Alliant Insurance Services and executive board member of the Atlanta Chapter- Latin American Association of Insurance Agencies (LAAIA) - Angela Lee, founding executive board member and corporate treasurer at the Asian American Insurance Network - David Sampson, president and chief executive officer at the American Property Casualty Insurance Association (APCIA) - Carol Murphy, executive vice president and casualty practice leader at HUB International - Catherine Richardson, chief operating officer at the Council of Insurance Agents & Brokers - Charmaine Davis, chairman at the National African American Insurance Association (NAAIA) Readers are invited to submit nominations for this showcase of the industry’s most inspiring women via this online form. Candidates nominated by someone else will receive a self-nomination form as part of the process. Participation is open to all women in the US insurance industry and nominations from or on behalf of women from diverse backgrounds are encouraged. Keep up with the latest news and events Join our mailing list, it’s free!

https://www.insuretechnews.org/judges-revealed-for-elite-women-2024/

Insurtech Firm FWD Expands into Travel Insurance with FWD Flyerby Fintech News Singapore September 4, 2018 Insurtech firm FWD announced the launch of the FWD Flyer mobile app, which it claims to be an end-to-end digital insurance solution. The app provides FWD customers cashless medical claim functionalities and provides them quick access to their policies and emergency contacts. Available on both Android and iOS devices, the FWD Flyer app’s goal is for FWD customers to get their medical expenses in Singapore paid without needing to file a claim. With its eCard, travellers who have fallen ill during or after a trip can receive the necessary treatment at any of FWD Singapore’s panel clinics without needing to pay beforehand. The app also allows travellers to locate the nearest panel clinics and doctors, making the whole claim experience seamless. Whilst many conventional insurers in the industry still require their customers to manually download, print and mail their claim forms, FWD claims to have digitalised the entire process. With the FWD Flyer App, consumers can also: - Choose from more than 500 clinics in Singapore or simply select a clinic nearby - Enjoy cashless medical treatments simply by activating and showing the eCard in the app to the clinic - Access a list of useful contact numbers such as emergency assistance, local police or connect with FWD - Submit other travel-related claims such as baggage delay or flight delay, all within a few clicks - Buy travel insurance for the next trip Abhishek Bhatia, FWD Singapore’s CEO, and Group Chief Officer of New Business Models, explained that the FWD Flyer app is just one of the many digital initiatives the insurer is taking to streamline its customers’ experience. The launch of the FWD Flyer app follows the insurer’s implementation of electronic claims payments via PayNow. The platform allows customers to receive their claims pay-outs directly in their bank accounts; unlike most traditional insurers who make their payouts via cheques. With PayNow, unnecessary delays such as lost cheques are reduced and the payout time for claims has reduced from 5 days to an industry leading next-day upon successful claim approval. Featured image via https://www.fwd.com.sg/

https://fintechnews.sg/23740/insurtech/fwd-insurance-fwd-flyer/

General Search & Recruitment is a professional firm with over 43 years of insurance staffing expertise. We specialize in the recruitment of top-notch professionals in the insurance sector, with a specific focus on underwriting, claims, and sales roles. With our extensive industry knowledge and experience, we excel in finding the best and brightest talent for our clients. At GSR, we have perfected the art of sourcing and screening candidates, ensuring that we connect the right professionals with the right employers. We stay abreast of the latest industry trends and adapt our recruitment strategies accordingly. This enables us to build valuable relationships with both candidates and employers, constantly refining and redefining the recruitment process. Discover Virginia's Insurance Accounting Recruiters If you're looking for insurance accounting recruiters in Virginia, look no further than GSR. We understand the unique needs and challenges of the insurance sector and have a deep understanding of the accounting roles within the industry. Our team of experts is dedicated to finding the perfect match for your organization. Whether you are a candidate looking for a rewarding accounting position in the insurance industry or an employer seeking top accounting talent, GSR can help. With our vast network and in-depth knowledge of the Virginia market, we are well-positioned to meet your specific recruitment needs. Why Choose GSR? - We have over 43 years of insurance staffing expertise - We specialize in underwriting, claims, and sales roles - Our recruitment process is continuously adapting to industry trends - We have established valuable relationships with professionals and employers - We strive to refine and redefine the recruitment process Call to Action Ready to find the best accounting talent in the insurance industry? Contact GSR today and let us exceed your expectations! For more information, please visit our website here. Stay updated with industry news at Insurance Journal. Explore our insurance recruitment services at Insurance Recruiters.

https://gsr4you.com/insurance-recruiters/insurance-accounting-recruiters-in-virginia/

- Internationalization of the market - Integrated financial groups and bancassurance - Multi-line insurers and specialized insurers - Different channels of distribution - Supervision of the Belgian insurance market The Belgian insurance market is mainly characterized by: - The internationalization of the market; - The presence of integrated financial groups (banking and insurance); - Market sharing between multi-line and specialized insurance companies; - The distribution of insurance products through various forms of distribution. Internationalization of the market The insurance market is an international market. This phenomenon of internationalization is stimulated within the European market by the freedom of establishment and the freedom to provide services. The internationalization of the insurance market appears in particular on the basis of the following figures, the National Bank of Belgium (BNB) controls: - nearly 70 insurance companies (67 in 2018) belonging to 11 national insurance groups and 4 international groups (cf. 2018 BNB Report). A large number of insurance companies governed by Belgian law have been created by foreign insurance companies; - 12 branches of foreign insurance companies governed by the law of another EEA member state (supervision limited to the application of anti-money laundering legislation); - More than one thousand EEA insurers can offer insurance in Belgium under the freedom to provide services. However, the cross-border insurance offer remains very limited, mainly due to legal constraints. Integrated financial groups and bancassurance Integrated financial groups (financial conglomerates) are groups of companies that offer both insurance products and banking products and / or other financial products from the same financial group. These integrated financial groups have a strong presence in Belgium. Since the beginning of the 1990s, several large Belgian banks have set up their own insurance business or have taken over an existing insurance business. These banks are generally exclusive distributors of insurance products from the insurance company that is part of their financial group. This bancassurance phenomenon decreased with the 2008 crisis, but still characterizes the insurance market in Belgium. Multi-line insurers and specialized insurers Approval is given by the National Bank of Belgium by branch or by group of branches. About half of insurance companies governed by Belgian law are multi-line insurers. Multi-line insurance companies are approved to practice most or all branches of insurance in life and / or non-life activities. Specialized insurance companies have authorization to practice one branch of insurance (single-branch insurer) or a few branches that are consistent with one another. With regard to the non-life insurance business, there are in particular insurers specializing in legal protection, assistance, credit-surety, sickness and work-related accident insurance. Among the specialized insurers, there are niche insurers. They only offer insurance branches linked to a specific activity, such as transport, notarial work, construction, etc. As with insurance companies, there are multi-line insurance intermediaries and specialist intermediaries. Different channels of distribution Insurance is distributed in Belgium through various distribution channels. Assuralia, the professional organization of insurance companies, regularly publishes a comparative study of insurance distribution channels in Belgium. Their purpose is to determine the relative market share of the various insurance distribution channels in the main branches of insurance and its evolution over time. On the basis of these comparative studies, the following distribution modes can be distinguished in Belgium. Non-exclusive distribution channels, with or without banking activities. The following professionals are part of it: - The big brokers (the most important brokers); - Classic brokerage (apart from large brokers and insurfinance); - Insurance: brokers with a bank branch that are part of the same financial group, except mega brokers. The exclusive network, with or without banking activities The following professionals in part: - Independent exclusive insurance agents and tied agents; - The exclusive salaried insurance agents (endangered!); - “Bancassurance”, ie the exclusive insurance network with banking activities. Bancassurance is considered by the Assuralia study as a specific distribution network. In this context, insurance products are offered directly by the insurance company to consumers. This includes the distribution of insurance products, without intermediaries: - By mutuals and cooperatives; - Directly to businesses and the self-employed or to consumers; - By electronic commerce (via interactive website). The most representative part of the collection of insurance premiums in Belgium is: - In non-life insurance: Produced by brokerage; - In life insurance: Produced by bancassurance. Supervision of the Belgian insurance market In Belgium, supervision of the insurance market is entrusted to two supervisory authorities: - The BNB (National Bank of Belgium); - The FSMA (Financial Services and Markets Authority). They jointly exercise control over the entire Belgian financial sector. The National Bank of Belgium (BNB) Administrative control of the BNB It is forbidden for any company to subscribe as an insurer, or to offer to take out insurance contracts, without being approved in advance. In Belgium, the administrative control of insurance companies is entrusted to the National Bank of Belgium. Administrative control concerns prior approval for any insurance activity as an insurance company under Belgian law. Authorization is granted by the BNB by branch of insurance. Example: branch 01a: accidents, branch 02: illness, ect… The conditions of approval relate in particular to: - The technical and financial means to protect consumers against the insolvency of the insurer in the execution of the contract, including the solvency margin; - The composition of the shareholders and management; - The form of company; - The social object. The conditions of approval must be maintained throughout the duration of the activities. Failing that, the authorization can be revoked. Contracts relating to risks located in Belgium taken out with an unauthorized company are void. If the lessee has subscribed in good faith, the company is nevertheless required to fulfill its obligations (see article 8 of the law of April 4, 2014). Financial control by the BNB The purpose of financial supervision is to protect insurance consumers and third parties against the insolvency of the insurer. This control is exercised on a permanent basis by the BNB, after the insurance company has been approved. This control is also called “prudential control”. Financial or prudential control mainly concerns: - The solvency margin; - The technical provisions or reserves required for the proper operation of the branches practiced; - The representative values of these provisions (investments). The Financial Services and Markets Authority (FSMA) The FSMA is an autonomous body with legal personality established in the administrative district of Brussels-Capital. In terms of the distribution of insurance products, the FSMA has several control missions, mainly: - Material control relating to the conditions of the contract and the prices (the products). This control is carried out “a posteriori”, that is to say after publication of the contracts and prices, for example following a complaint; - Supervision of insurance intermediaries; - The application of the rules of conduct. The a posteriori control of contracts is reinforced by various legal measures (see part 3 of the law of April 4, 2014 on insurance, mainly article 23). - The conditions of the insurance contracts: - must be written in clear and precise terms; - not contain clauses likely to affect the equivalence of reciprocal commitments; - which do not comply with the provisions of parts 2 and 3 of the law are considered void. They are deemed to have been established in accordance with these provisions of the law since the subscription of the contract. - In case of doubt about the meaning of a clause, the interpretation most favorable to the policyholder or the insured prevails (except for major risks).

https://www.ecu-activities.be/en/belgian-insurance-market/

Start merging my insurance «» and «Iraq» 04/10/2016 12:00 am In order to increase their capital and expand the insurance covers Insurance companies play, as an economic pillar in all countries of the world, a vital role because it's top contributor in the funding and administration of investment and service development projects, especially if their efforts are directed towards development, accounting integration with each increase in their heads so that they can increase their activity and strength of insurance granted lids in various areas. Given the economic conditions experienced by Iraq, after extensive studies, the need arose for the amalgamations are the biggest insurance companies in the country, namely the national insurance company and insurance company of Iraq, especially the elements and conditions of integration available especially to companies with high solvency, will expand the potential new company took insurance. Merger of two companies. And IID said "morning," start legal proceedings for the merger of the national insurance company and the insurance company of the Iraqi "Government insurance sector and reduced to a single Government Corporation to do insurance business. For his part, between competent expert in insurance issues Saadoun problem, the benefits of this merger by saying: "the Iraqi insurance company merger with national insurance company many dimensions that I reduce SAG in the Government sector, is a serious step in the reform of the insurance sector declined significantly during the 1990s. He said the problem in an interview for "morning", "the second dimension is increased integration of capital companies, what enhances the granting of insurance covers especially compensations because of large capital would fall to the sides Article (50/I) of Insurance Regulation Act number 10 of 2005 "merger of insurer or forwarder lock in locked or forwarder other insurance including believers or reinsurers the slave of the State". Objectives of the merger. The merger of the two giants with one company will give an incentive to investment companies to enter Iraq and insurance for projects within the country, requires a reconsideration of the insurance investment law number 13 year 2006 and amendments for conforming integration between The two companies. And represents the insurance sector in Iraq 3 Government insurance companies are all from national insurance company, insurance company, reinsurance company, along with 29 insurance company and two branches of insurance companies Foreign. He saw the problem that the idea of merging the two companies probably will encourage the integration of a number of private insurance companies to promote competition between private companies and the new company. And the merger of the national insurance companies with each other and the possibility to achieve appropriate Economic Affairs said feras Amer, that "the circumstances in which the country requires higher economic interest of Iraq, since private companies ' ownership of civil war" it is difficult to persuade this company integration difficult to work under the leadership of this company." The insurance sector suffered in Iraq since the 1990s of the last century from the effects of war and fallout from international sanctions and reckless policies aiming system, exacerbated that suffering increasing absence of insurance awareness and not knowing the real role played by public insurance companies in the economy and sees Amer that insurance companies, governmental, or civil war, according to international standards for the safety of the insured, to have the capacity to carry insurance and risk cover it completely, explaining that it is through a secure documents confirming the excellent levels of service and products Well the best competitive price possible.

https://www.bondladyscorner.com/t174218-start-merging-my-insurance-and-iraq

CannaShield Insurance Services Insuring All Marijuana Related Business Cannabis – Hemp - CBD Our strength as an insurance broker is derived from our continuous pursuit to locate a comprehensive policy that will provide the coverages and limits needed to protect your financial future, at the lowest possible rate available. Read Our Reviews! "Julius and Briana took their time to thoroughly understand our business and our insurance needs. They looked at my current policy, which was up for renewal, and gave me an insurance proposal that saved my business money, and provided better coverage! On top of that, they were always quick to respond, and were able to get things done quicker than I've ever experienced. So they saved me money, time and gave me peace of mind. Highly recommend!" -Lenny FLO Group, INC From the time we place your first policy, and every renewal thereafter, we will shop your rate! Your proposal will include a list of the carriers we approached and the premiums they offered. We are unique to the industry, as most agencies simply place you with one carrier and leave you there year after year. We understand the cannabis market is constantly changing with some carriers experiencing rate increases, while others are just now jumping into the market. If your agency is not shopping your account each year they are not earning your business! Give us the opportunity to show you the difference!

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Vouch, a provider of business insurance to startups and high-growth companies, announced today it has raised $90 million in new funding. The $90 million figure was raised across two rounds: a $60 million Series C co-led by SVB Capital (a subsidiary of Silicon Valley Bank) and Ribbit Capital that values the company at $550 million, and a previously unannounced $30 million Series B1 led by Redpoint Ventures. With the latest financing, San Francisco-based Vouch has now raised a total of $160 million since its 2018 inception. Other investors include Allegis Group, Sound Ventures and SiriusPoint. While there are many insurance technology companies out there that serve consumers, there are far fewer that offer it to companies, much less startups. Vouch describes itself as “a new kind of insurance platform” for startups that offers fully digital, “tailored coverage that takes minutes to activate.” Over the past year, Vouch has seen impressive growth. The company declined to reveal hard revenue figures, but said it saw “7x” increase in its customer base year over year and currently protects over $5.7 billion in risk across thousands of policies. Today, Vouch has more than 1,600 clients, including Pipe, Middesk, Neighbor and Routable. It is also the “preferred” business insurance provider to the customers of Silicon Valley Bank, Brex, Carta and WeWork. Y Combinator too also refers Vouch to its portfolio companies. To Vouch co-founder and CEO Sam Hodges, the ability to attract some of the highest-profile businesses in the startup world speaks to the company’s understanding of the startup ecosystem. “It’s our responsibility to meet startup founders where they are, and give startups flexibility as they navigate changing laws, regulations and the virtual and physical locations of their businesses,” he said. Like many other companies, Vouch had to shift its model during the pandemic to adapt to the different types of emerging risks businesses have faced. For example, last year, Vouch saw a change in where its startup clients’ teams were distributed. Before the pandemic, nearly 30% of the teams were remote. During the pandemic, that figure has shifted to over 53%. As a result, Vouch developed a broader range of insurance coverages to adapt to the “new normal.” Included in its new line of proprietary products and services aimed at startups are: work from anywhere coverage, broader cyber coverages and embedded insurance. It also expanded its underwriting capabilities to serve early-stage to growth-market startups. In particular, the work from anywhere coverage is in direct response to the pandemic-related shift in remote work and can insure up to $500,000 per occurrence and can include a specified property owned by a startup regardless of the location of that property. One major differentiator for Vouch, said Hodges, is that it is now the only business insurance provider that has its own insurance carrier, which means the company backs its own policies. “This capability means we have a lot of control over how we build and underwrite our policies — which translates into superior coverage and a better experience for our clients,” he said. Hodges co-founded Vouch with Travis Hedge three years ago after seeing how challenging it could be for a company to get the business insurance it needs to start and then scale. The goal is to make it as easy as possible to onboard new customers and personalize the coverage as much as possible based on each company’s needs based on what they do, their customer base, stage of growth and the founder’s threshold for risk. “A typical client can get a quote and bind their coverage online in under 10 minutes, without any phone calls or paperwork,” he told TechCrunch. “Vouch also has many coverage features that are uniquely geared for startups. For example, our directors and officers coverage includes a cap table coverage feature meant specifically to protect startups.” Vouch looks at startups that need business insurance on a case by case basis, Hodges added. For example, it asks questions like, “Does an e-commerce company handle a very limited amount of client-sensitive information?” If so, it could make sense that it has a lower cyber insurance coverage limit and pay less for its policy. Conversely, if a startup is trying to raise money, it might need to invest more in Vouch’s directors and officers insurance to make sure it is covered should disputes arise in the future. Looking ahead, Hodges said the new capital would go toward continued investment in technical capabilities, an expansion of its product offerings, more hiring and building embedded insurance for its partners. With regard to the embedded capabilities, within the next 12 months, all of the company’s partners’ customers will be able to purchase Vouch insurance directly from those partners’ websites. Vouch’s headcount has more than doubled, from 55 employees in September 2020 to 125 full-time employees presently, and Hodges expects that will continue to grow. Greg Becker, president and CEO of SVB Financial Group, said that Vouch’s mission aligns with SVB’s in that they both aim to “empower the innovation economy.” “That’s what Vouch is doing today, helping startups and tech innovators mitigate their risks as they grow,” he wrote via email. “We are proud to co-lead Vouch’s latest funding round to give startups access to the insurance they need as they add headcount, increase their customer base, or raise funding rounds of their own.”

https://crazespace.com/startup-insurance-provider-vouch-raises-90m-now-valued-at-550m-techcrunch

In the original profit share models that began in traditional brokerages, when people first began bringing people into brokerages, they were compensated with a share of overall profit when deals were completed. The issue with this model was: it relied on the profitability of each individual office. There wasn’t a lot of transparency. Earlier versions in the industry required an agent to build out an organization of 7 tiers deep and 40 agents wide to truly see the highest payout benefit. Other brokerages saw the value in this but determined that revenue share was a better, more transparent form of payment. Still, they kept the 7 tiers deep and 40 agents wide concept. Real determined we could do it better by being honorable to every agent that joins our company. And if they’re going to say good things about us and onboard quality agents, we want to reward them. What we don’t want is a salesforce of recruiters. We set our model up to be only 5 tiers deep and 25 agents wide in order to reach the highest payout benefit. And… instead of having to build the whole empire to receive the highest payout, our model delivers the highest payout at Tier 1. This is revolutionary for Real ...because we know that in the industry, the majority of agents don’t participate in revenue share or profit share. Most agents don’t want to fool with building an empire. Instead, Real built their highest payout in their initial tier, so if agents are working with other agents who they think are strong producers, they are incentivized to bring them on board. And they don’t feel like they have to build an empire to be rewarded. Every agent who builds the company receives the same level of reward regardless of the number of agents you invite and support in the company.

https://support.therealbrokerage.com/hc/en-us/articles/13843795026327-How-is-Real-s-Revenue-Share-different-from-Other-Brokerages

Wednesday 9th October 2019, Cavan: Liberty Insurance today announced plans to expand its operations in Cavan, creating up to 120 roles over the next three years. The effort is supported by the Irish Government through IDA Ireland. Liberty has established a new motor insurance claims servicing function in Cavan to help support Liberty Mutual’s global business. This operation will handle a portion of appraisal work for motor insurance from the U.S.– including expanding use of photo estimations to expedite the claims process for U.S customers. Liberty Insurance is currently recruiting applicants for administrative, support and management level positions in Cavan. “We continually seek opportunities to enhance our business and service models to meet the ever-changing needs of our customers,” said Tom McIlduff, CEO of Liberty Insurance “This is an important development for our business operation in Ireland and I’m delighted to see that our expertise locally will support Liberty Mutual’s motor insurance customers around the world.” Welcoming today’s announcement, Minister for Business, Enterprise & Innovation, Heather Humphreys TD said,”I am delighted that Liberty Insurance is expanding in Cavan. Liberty Mutual has a strong connection to the county and the creation of new jobs is a great vote of confidence in what Cavan and the wider border region has to offer. I am delighted that the Government is supporting Liberty Mutual through the IDA in Ireland and I have no doubt that today’s announcement will be welcomed by all those living in the local area.” IDA Ireland Executive Director Mary Buckley said: “Attracting investments to regional locations remains a key part of IDA Ireland’s strategy. This news that Liberty Insurance is expanding its operations in Cavan with the creation of new jobs is most welcome and will be a huge boost to Cavan and the wider North West region. It demonstrates serious continued commitment by the US parent company Liberty Mutual Insurance Group to the Cavan location. I wish Liberty Insurance continued success at its Cavan and Dublin locations in Ireland. For more information on careers at Liberty go to: https://www.libertyinsurance.ie/about-us/careers About Liberty Insurance Liberty Insurance provides motor and home insurance to the Irish consumer market along with commercial insurance to the business sector, and has approximately 400 employees at office locations in Cavan and Dublin. Liberty Insurance is part of the Liberty Mutual Insurance Group. About Liberty Mutual Insurance Group Liberty Mutual’s purpose is to help people embrace today and confidently pursue tomorrow. The promise we make to our customers throughout the world is to provide protection for the unexpected, delivered with care. In business since 1912, and headquartered in Boston, Mass., today we are the fifth largest global property and casualty insurer based on 2018 gross written premium. We also rank 75th on the Fortune 100 list of largest corporations in the U.S. based on 2018 revenue. As of December 31, 2018, we had $41.6 billion in annual consolidated revenue. We employ nearly 50,000 people in 30 countries and economies around the world. We offer a wide range of insurance products and services, including personal automobile, homeowners, specialty lines, reinsurance, commercial multiple-peril, workers compensation, commercial automobile, general liability, surety, and commercial property. You can learn more about us by visiting www.libertymutualinsurance.com

https://www.idaireland.com/latest-news/press-release/liberty-insurance-announces-plans-to-expand-cavan-operations

Following our launch of another module of our end-to-end digital motor claims management solution, AudaENOL last month, we also launched three Insight Papers via the Audatex Digital Claims Centre, each of which are focused on digital claims in the motor insurance industry. The third and final Insight Paper; ‘Managing Motor Insurance Claims in the Digital Era’ focuses on innovation in insurance and what insurers need to do, to offer increased clarity throughout the motor claims journey, ensure they are well poised to adapt to inevitable new insurance business models, and solidify their position in an increasingly complex ecosystem. Modern insurers now face mounting pressures to digitise the entire claims process, to reduce the complexity of claims, whilst maintaining efficiency and improving the customer experience. Our recent survey of over 3,000 UK motor insurance policyholders found that over 41% have lost complete trust in their insurer due to a lack of clarity during a claim; a disastrous statistic for policyholder attraction and retention. Due to the industry’s slow adoption of technology, creating a quick and clear claims process has been a challenge for insurers – one that has affected customer experiences to date. Our research found that a quarter (25%) felt that they are not in control of the claims process and feel that it is up to insurers to help them navigate their journey effectively. The Insight Paper uncovers how today, those who find new ways to put the consumer at the heart of every claim, and make the journey from initiation to final settlement as simple and transparent as possible, are the best positioned to succeed within the digital insurance landscape. Read the full Insight Paper Managing Motor Insurance Claims in the Digital Era: here

https://audatex.co.uk/the-future-of-digital-motor-claims-managing-motor-insurance-claims-in-the-digital-era%EF%BF%BC/

Home » Fire brigade floor Welcome to ICM Projects, the specialist in floor solutions for various applications. Our fire brigade floors are an essential part of a safe and well-equipped fire station. With our years of experience and expertise, we ensure that every fire brigade floor meets the highest standards in terms of safety, durability and functionality. A fire brigade floor must meet strict requirements to ensure the safety and efficiency of firefighters. Some crucial requirements are: At ICM Projects we offer a wide range of fire brigade floors that meet the highest requirements. Below you will find an overview of the most suitable floor types: ESD (Electro Static Discharge) floors are essential in fire stations due to their unique properties. These floors provide effective protection against electrostatic discharges, which significantly reduces the risk of damage to sensitive electronic equipment. In addition, ESD floors are durable and can withstand heavy loads, which fits perfectly with the intensive activities that take place in a fire station. The antistatic properties of ESD floors also contribute to the general safety and work performance of firefighters by minimizing the risks of unexpected electrical discharges. Cast floors are an ideal choice for fire stations because of their seamless and easy-to-clean surface. The excellent resistance to heavy loads and the fire-resistant properties provide a sustainable and safe environment for the quick and efficient operation of the fire brigade. In addition, the properties of cast floors with regard to durability and ease of maintenance ensure that the floor can withstand the intensive activities that take place in a fire station for a long time. Linoleum floors are an excellent choice for fire stations because of their unique properties. First of all, linoleum is naturally fire retardant, which is essential in an environment where safety and fire prevention are of paramount importance. Linoleum is also known for its exceptional durability and resistance to wear and tear, meaning it can withstand the constant use and stress that a fire station entails. Finally, the natural character of linoleum contributes to a healthy and environmentally friendly environment. This fits perfectly with the character of a service that is committed to protecting people and the environment. Marmoleum floors are ideal for use in fire stations because of their unique properties. The floor is not only environmentally friendly, but also extremely hygienic, which is crucial for an environment where hygiene is essential. In addition, Marmoleum offers unparalleled resistance to fire and is resistant to a wide range of chemicals. This makes it a robust and durable option that ensures the safety and functionality of a fire station. Trowel floors are a good choice for fire stations because of their exceptional durability and resistance to heavy loads. These floors are designed to withstand long periods of heavy use, which is essential for an environment where vehicles and equipment are regularly driven in and out. Trowel floors also offer excellent resistance to chemicals. This is of great importance in an environment where potentially hazardous materials are used. MMA floors are ideal for fire stations due to their unique combination of properties. Thus, the rapid curing allows the floor to be installed quickly, which is essential for operational efficiency. In addition, an MMA floor offers exceptional resistance to chemicals and excellent fire-resistant capabilities. If you ask us, an indispensable safety measure for a fire station. Our fire brigade floors are versatile and can be used in different areas within a fire station. Whether it concerns the garage, office spaces, sleeping quarters or training facilities, we offer tailor-made flooring solutions to meet every specific need. At ICM Projects we understand how important it is to ensure a safe working environment for firefighters and other first responders. That is why we only offer the highest quality fire brigade floors that meet the strictest requirements in terms of safety and sustainability. Our floors are available in different materials and colors, so you can always find a floor that suits the specific wishes and requirements of the fire station. Our experienced professionals ensure a professional installation that meets all requirements. Contact us today for no-obligation advice and a customized quote. The best floor for a fire station depends on several factors, such as the specific areas and their use. At ICM Projects we often recommend cast floors, trowel floors and ESD floors because of their excellent fire-resistant and durable properties. The installation time of a fire brigade floor can vary depending on the type of floor and the size of the project. On average, you can count on a few days to a week for the complete installation. The price of a fire brigade floor per square meter depends on various factors, including the chosen floor type, the size of the project and any additional work. Contact us for a detailed customized quote. Purchasing a company floor does not happen overnight. A good floor is only the basis for high work performance if you and your colleagues function optimally in it. For that simple reason, CEO Joost van Hulst makes sure every project runs smoothly every day. We get to the bottom of things for our clients. From administrative offices to hospitals. Ready to perform? The floor is yours.

https://icmprojects.nl/en/fire-brigade-floor/

MIAMI – On the frontlines of litigation over recent bank failures, parties are waging pitched battles over D&O insurance coverage. Andrés Rivero, Jorge A. Mestre, Alan Rolnick, M. Paula Aguila, and Charlie Whorton of Rivero Mestre represent six directors and officers of Westernbank, a Puerto Rican bank in FDIC receivership, who have sued Chartis Insurance Co. to obtain a coverage declaration as to an FDIC investigation and potential lawsuit (Click here to see complaint). Among the cutting-edge issues presented, is the controversial and critical question of whether the FDIC-R can be deemed an insured under the Chartis D&O policy so as to excuse Chartis from providing coverage. The complaint was filed on October 6, 2011, and Chartis has yet to respond. About Rivero Mestre LLP Rivero Mestre, from its offices in Miami and New York, represents clients from investigation to verdict and appeal in complex business disputes in U.S. federal courts, state courts, and domestic and international arbitration proceedings. The firm’s practice focuses primarily on representing clients in a broad range of complex commercial disputes including financial institution matters, antitrust matters, intellectual property disputes, and litigation and arbitration relating to Latin American trade and investment. For more information, visit www.riveromestre.com.

https://www.riveromestre.com/2011/10/14/directors-officers-westernbank-represented-rivero-mestre-file-action-chartis-insurance-co-determine-coverage-westernbank-s-do-insurance-policy/

Energy transition prompts more insurers to back away from coal Earlier this month, Chubb became the first U.S. insurance company to limit coal-related underwriting and investing, expanding a global trend that has seen 15 companies — underwriting a total of $313 million in premiums — announce new policy restrictions. Why it matters: The proliferation of coal-exclusion policies at globally significant financial institutions — 113, according to the the Institute for Energy Economics and Financial Analysis — is leading large, diversified mining and utility companies to reduce their exposure to coal, and in some cases to exit the coal industry altogether, to avoid losing access to finance. What's new: The policy from Chubb, the world’s largest publicly traded property and casualty insurer, will end new coverage for utilities and miners whose power generation or revenue is more than 30% derived from coal, in addition to phasing out existing relationships with such firms. Background: Since rapid declines in coal power create risk for investors and insurance companies, higher costs of capital and rising premiums could become the “new normal.” - The Bank of England conducted stress tests on insurer portfolios and consistently found coal investments to have the highest transition risk. - According to California's voluntary disclosure database, the more than 1,000 insurance companies operating in the U.S. collectively hold over $131 billion in coal investments. - Willis Towers Watson projects companies that continue to invest in coal will find it harder to replace their coverage as more insurers leave the industry. Between the lines: The strength of insurers' coal-exit policies varies widely. Chubb’s policy, for example, allows exceptions until 2022 and would not impact large diversified miners like Glencore, whose coal dependence falls below the threshold. - Per a scorecard by a group of NGOs, some divestment policies define coal companies too narrowly to include many leading developers, while others exempt certain types of insurance or projects as well as assets managed for third parties. - While divestment policies will raise premiums for utilities like RWE, AEP and Ameren, loopholes could end up dampening the effects. Even still, however, companies unaffected by the policies, like BHP, are planning coal exits in response to investor pressure. What to watch: Based on a Moody's forecast that coal could fall to 11% of the U.S. power supply by 2030, it will be easier for insurers to implement coal restrictions without hurting their bottom lines. More policies like Chubb's may soon be on the way. Justin Guay directs global climate strategy at the Sunrise Project and advises the ClimateWorks Foundation.

https://www.axios.com/2019/07/19/energy-transition-prompts-more-insurers-back-away-from-coal

Gas Station Insurance Lake Charles – Lower Your Premiums Today! Gas station, corner store, and convenience store owners: call the office of Jeff Davis Insurance today and lower your premiums for Gas Station Insurance in Lake Charles! One of our insurance partners is currently offering shockingly low rates on Lake Charles Gas Station Insurance and you could take advantage of this great new program! Call 337-824-4455 toll-free weekdays from 8:00 AM to 4:30 PM (lunch from 12:00 PM to 1:00 PM) and ask to speak with an agent about shopping the market for Business Insurance for Gas Stations in Lake Charles. - Lake Charles La Gas Station Insurance - Gas Station Insurance Denham Springs La - Gonzales La Gas Station Insurance - Gas Station Insurance Harahan La - Covington Gas Station Insurance - Louisiana Gas Station Insurance – All Other Areas Corner Store Insurance – Coverage Scenario Part 32 In last week’s article Rob had a strange conversation with Officer Friday of the local police force. The officer had a handful of questions for Rob about his former employee, Chad, the perpetrator who stole over $20,000 from Rob’s gas station and corner store register over the course of several years. Apparently, upon being arrested Chad had exhibited odd behavior, resisting arrest and claiming he was a clown named Doughnuts. Rob had no knowledge of this or any other behavior related to Chad’s mental health history, so Officer Friday recommended that Rob wait patiently for the investigation to get underway and to contact his insurance company about the theft. Rob calls up Jenny, his insurance agent and files a claim, explaining to Jenny precisely what happened, how he suspects Chad did what he did, the amount stolen, and the current situation with the police. Rob is confident that he will be reimbursed for the theft. After all, it wasn’t that long ago that a pair of masked robbers held up his corner store and stole a day’s earnings while his daughter was behind the cash register. In that situation, Rob’s Crime Insurance Policy endorsement covered him for the financial loss, so he expects this will be no different. Is Rob correct in his assumption? Find out in Part 33! Lake Charles Gas Station Insurance – You Can Trust Jeff Davis Insurance! When it comes to providing our clients with excellent service and great options for the insurance coverage they need, you can always trust Jeff Davis Insurance. To see for yourself risk-free, why not give us a call and request a free quote over the phone? There’s absolutely no obligation to buy, and you may very well find out that you could be saving big money on your business insurance premiums by switching providers. You can also request your free quote by filling out our online form. Click on a location below to access the form twenty-four hours a day, seven days a week.

https://www.autoinsurancelakecharles.co/tag/gas-station-insurance-in-lake-charles/

To provide our clients with unique, simple and hassle-free responses to short term insurance for cellular phones, laptops and other electronics. Evolving South African potential in short term insurance into world class solutions via our brokers and partners. Who we are We are an underwriting manager on behalf of multiple insurers. Our business is built around a team of dynamic thinkers, who have a lot of fun, make a lot of noise but are extremely committed to delivering a slick uncomplicated experience with regard to the Insurance we provide. The products we provide are diverse however primarily based in the electronic mobile space. If you wish to disrupt traditional Insurance delivery mechanisms – Admin Plus is the Company to speak to as we demonstrate point of sale interfaces that everyone is talking about. We simply build eco-systems and deliver fully compliant Insurance products that are concise in their build yet easily understood – In short we are cutting edge. – Respect in our business relations – Professionalism and discipline – Positivity and an energetic approach – We listen Our process is straight forward the way insurance should be/ However, should you require some help or assistance of any kind please get in touch. We're always listening, and we'll guide you every step of the way. Or call us on 021 403 9167

https://www.adminplus.co.za/about-us/

BI’s Article search uses Boolean search capabilities. If you are not familiar with these principles, here are some quick tips. To search specifically for more than one word, put the search term in quotation marks. For example, “workers compensation”. This will limit your search to that combination of words. To search for a combination of terms, use quotations and the & symbol. For example, “hurricane” & “loss”. The Risk & Insurance Management Society Inc. bestowed several awards during its annual conference in New Orleans, including the coveted Harry and Dorothy Goodell Award. The Goodell Award, which is named for RIMS' first president and honors individuals who have furthered the goals of RIMS and the discipline of risk management, was presented to Janice Ochen-kowski, international director of global risk management at Jones Lang LaSalle Inc. in Chicago. During an awards luncheon, RIMS President Richard Roberts said Ms. Ochenkowski, who was the society's president in 2008, has advanced the goals of risk management and has been a role model for ethical behavior. “It is truly humbling to be honored by my peers in this way,” Ms. Ochenkowski said. In conjunction with American International Group Inc., RIMS also honored three individuals who made significant contributions to the profession of risk management during the course of their careers by inducting them into its Risk Management Hall of Fame: ? Reginald A. Pitchford, known as Reg, was the corporate risk manager at United Grain Growers Ltd. and was instrumental in maintaining the Manitoba, Canada, RIMS chapter known as MARIMS. He died in 2014 at the age of 92. ? James D. Hinton, who retired as the vice president of risk and insurance at Hospital Corp. of America. Recognized as Business Insurance's Risk Manager of the Year® in 2005, Mr. Hinton died in 2012. ? Gary E. Bird spent most of his career at mining firm Phelps Dodge Corp., where he served as director of risk management. He authored the first three editions of The Wrap-Up Guide, a series exploring strategies and best practices to manage liability policies designed to serve as all-encompassing insurance for all contractors and subcontractors. He died at the age of 51 in the terrorist attacks of Sept. 11, 2001. The Ron Judd Heart of RIMS Award, which honors an individual who keeps their chapter vibrant and relevant, was given to Victoria Nolan, risk and benefits manager at public water utility Clean Water Services and an active member of RIMS' Oregon chapter. The Richard W. Bland Memorial Award, which recognizes a member's commitment in the area of legislation or regulation, was presented to Richard Rabs, immediate past chair of RIMS' external affairs committee. The Cristy Award, which acknowledges the person who earns the highest marks on the three exams required to earn the Associate of Risk Management designation, was presented to Michael Grosso, risk analyst at Bimbo Bakeries USA. RIMS this year introduced a new award, the Rising Star, to honor professionals younger than 35 or with less than seven years of industry experience. Saying it was impossible to select just one winner, Mr. Roberts said three people had been chosen as Rising Star winners. They were Anna Bendgen, a risk management specialist at Sedgwick Claims Management Services Inc. in Memphis, Tennessee; Andrew Bent, a senior adviser for environmental health and safety risk at Suncor Energy Inc. in Calgary, Alberta; and Yelena Urcia, senior global insurance analyst at The AES Corp. in Arlington, Virginia. In our latest In Focus video segment, previous Business Insurance Risk Manager of the Year® winners discuss the state of the risk management industry.

https://www.businessinsurance.com/article/00010101/NEWS06/305109997/RIMS-awards-recognize--past,-present-and-future-of-risk-management

Insurers need a good deal of capital to meet their (mostly long-term) contractual obligations and commitments. Insurers’ provisions to cover future insurance benefits and claims are reinvested in the business cycle. In 2021, these reinvestments amounted to some CHF 570 billion. In their investments, insurers rarely aim for short-term profits. Their financial assets have various distinctive features, that differentiate insurers from other investors. A priori, speculative, high-risk investments do not fall within the remit of the insurance industry. Investments by insurers distinguish themselves as follows: Long-term investments with stable yields: Given their long-term contractual obligations ans commitments, insurers are looking for long-term assets with stable yields. Safety: Insurers set great store by safe investments. Nearly half of their assets consist of fixed-term securities, i. e. government bonds and corporate bonds. Some 10% each are invested in participations and real estate. With much less than 5% of total assets, equity clearly plays a subordinated role. In the interest of society: Due to their long-term investment horizon, insurers are important partners in financing infrastructural investments by public institutions and corporations. Insurance companies therefore have a dual purpose and also serve as catalysts: By investing, they put means at the disposal of the public and the private sector. By assuming risks, they enable governments, corporations and individuals to reduce their own provisions for contingencies and free up means to invest for the future. By granting mortgage loans, they help namely younger first-time buyers and young families to make their dreams come true and buy a house. Focusing on people, the environment and sustainability: Insurers invest in the future of humanity and of the environment. Human rights and environmental responsibility are among the central features insurers look for when investing. Natural disasters and major losses tend to hit insurers very hard. For this reason, investing into environmentally correct, sustainable and ethically viable companies and projects is in their direct interest. Swiss insurers are considered a role model in many aspects of investing. - Sponsoring new technologies and developments: Swiss insurers actively invest in start-ups, thereby sponsoring the development of new processes and technologies, namely as far as digitisation and environmentally friendly corporations are concerned. Again, these assets also are geared towards the longer term and towards sustainability.

https://www.svv.ch/en/insurance/economics/chf-600-billion-benefiting-people-environmental-and-sustainability-issues

Tesla CyberTruck Accessories Looking for CyberTruck Accessories? Interested in collaborating with Tesmanian? If you're interested in submitting your CyberTruck for measurement by our R&D department, please fill out the form below with your contact information. As a token of our appreciation, we'll provide the same parts for free. ** Availability is on a first-come, first-served basis, or limited spots may apply. Elevate your Tesla Cybertruck experience with our exclusive range of cutting-edge Cybertruck accessories. From all-weather floor mats that safeguard your interior against the harshest conditions to sleek interior upgrades that redefine comfort, we offer a variety of enhancements designed specifically for your Cybertruck. Our custom-fit, durable Cybertruck accessories ensure your Cybertruck remains in pristine condition, whether you're battling the elements or simply seeking to add a touch of luxury. With quick and easy installation, these Cybertruck accessories provide convenience, style, and performance that are second to none. Transform your Cybertruck into the ultimate expression of innovation and rugged elegance with our carefully curated collection of Cybertruck accessories. Explore the possibilities, and discover how these top-quality enhancements can take your Tesla Cybertruck to the next level. Unleash the full potential of your Cybertruck with our exceptional accessories today! 1. What accessories are available for the Tesla Cybertruck? We offer a diverse range of accessories tailored to enhance your Cybertruck experience. This includes all-weather floor mats, interior upgrades, protective covers, storage organizers, and more. These Cybertruck accessories are designed to provide convenience, style, and performance enhancements. 2. Are these accessories compatible with all Cybertruck models? Our accessories are specifically designed to fit various Cybertruck models, ensuring a precise and secure fit for your Cybertruck. 3. How do I install these Cybertruck accessories? Most of our Cybertruck accessories are designed for quick and easy installation. They come with detailed instructions, and in most cases, no complex tools or procedures are required. 4. Are these accessories made from high-quality materials? Yes, our Cybertruck accessories are crafted from top-quality materials to ensure durability and longevity. Whether it's all-weather floor mats, interior upgrades, or protective covers, we prioritize quality and performance. 5. What benefits do these accessories offer for my Cybertruck? These Cybertruck accessories provide enhanced protection, comfort, and aesthetics for your Cybertruck. They safeguard your interior, improve all-weather performance, and add a touch of luxury to your Cybertruck, positively impacting both your driving experience and its resale value.

https://www.tesmanian.com/collections/tesla-cybertruck-accessories

Who We Are The unified voice of the P&C insurance industry We are experienced advocates We are the national industry association representing the vast majority of Canada's home, car and business insurance companies. We rely on the collective expertise of our members and leadership team to create policy positions, advocate for a competitive and sustainable market and influence meaningful change in the insurance industry. As advocates for the insurance industry and the people who count on it, we seek to understand the challenges facing Canadians, the industry and governments so we can proactively prepare for the future. Read more about the 2022 year in review in the 2022 Facts Book. We rely on the collective expertise of our members to create effective policy positions and to help us shape and strengthen the role the P&C insurance industry plays in ensuring peace of mind for all Canadians. See our full list of members from across Canada Meet our leadership team Our team of government relations, communications and policy experts have the political acuity and data-driven insights to lead the path forward as we advocate for Canadians and our members. You might also be interested Advocacy in action See how we’re shaping the insurance industry and helping to protect Canadians. What we do As the leading voice of the Canadian property and casualty (P&C) insurance industry and their customers, we proactively work to shape decisions on policy reforms and regulations and provide consumer education. Working at IBC We are advocates for the insurance industry and the people who count on it. We seek to understand the challenges facing Canadians, the industry and governments so we can proactively prepare for the future. Join us on our mission to shape the policies, initiatives and regulations that impact each of us every day.

https://www.ibc.ca/about/who-we-are

MADISON, N.J., March 29, 2021 /PRNewswire/ — Today, Coldwell Banker Commercial®, a Realogy (NYSE: RLGY) brand, unveils Commercial University®, a brand-new learning application, created specifically for Coldwell Banker Commercial network professionals. The first of its kind, Commercial University®, will serve as a virtual social hub for over 2,000 real estate professionals within Coldwell Banker Commercial’s network, allowing brokers from different countries and states to exchange intel, data, and broker deals together around the world. Founded in 1906, the Coldwell Banker Commercial brand is currently the only firm to offer an interactive platform to its network that will enhance efficiencies and create synergies across its members. Commercial University® provides world-class development opportunities to help professionals achieve success in their commercial brokerage business and gain a competitive advantage in the real estate market. Professionals are encouraged to accelerate their businesses by participating in introductory learning courses and build their businesses by joining one-of-a-kind Coldwell Banker Commercial brand programs that tackle important commercial real estate selling skills. Interacting with Commercial University® provides real estate professionals the opportunity to learn like a student while succeeding as a professional. This app is fully functioning where professionals can track sales activities with REScoreboard, set activity goals for themselves, register for classes, and access training all at the palm of their hand. The application is complimentary to download on all Apple and Android devices. "Coldwell Banker Commercial is dedicated to helping develop professionals into innovators and successful entrepreneurs in their market and specialty," says Dan Spiegel, Managing Director for Coldwell Banker Commercial, "We invest in their growth as much as we invest in the company and credit the brand’s success to education. All with a click of a button, the new Commercial University® app allows us to provide tools for professionals paving their way through the industry while consistently helping them grow as well-rounded real estate professionals." Once well-versed in the industry, company sales managers can also utilize the app as a learning platform to grow as leaders within the company. Commercial University® offers the ability for professionals to add their own learning content via calendar events, create their own classes, and view their team’s sales activity in real time. About Coldwell Banker Commercial Coldwell Banker Commercial® franchised companies provide commercial real estate solutions serving the needs of owners and occupiers in the leasing, acquisition, and disposition of all property types. Since 1906, the Coldwell Banker Commercial brand has been a premier provider of real estate, recognized globally as a company that puts the client first while delivering individual, distinctly different service. With a collaborative network of independently owned and operated affiliates, the Coldwell Banker Commercial organization comprises almost 200 companies and more than 2,000 professionals throughout the U.S. and internationally. For additional information, visit www.cbworldwide.com. SOURCE Coldwell Banker Commercial

https://anywhere.re/coldwell-banker-commercial-debuts-innovative-learning-platform-to-connect-professionals-inspire-deals-worldwide/

Marsh Broker Ankur Kacker Recognized as a 2022 Specialty Power Broker Ankur Kacker, Senior Vice President, Marsh Ankur Kacker’s approach to client service is simple: Getting to know each client and their industry so that he can partner with them to deliver the best advice, guidance and results from the insurance market. Kacker recognizes that the industry in which he works is fast evolving and he needs to adapt his advice to clients accordingly. “To say Ankur has premium customer service is an understatement,” said Charles Turner, managing director at Malca Amit UK Ltd. Turner said Kacker is innovative and passionate and has been an important strategic partner for his firm. For a wealth management group that needed to be sure it was handling cryptocurrency correctly, Kacker helped devise an insurance solution that not only met its needs but was also adjustable so that when coverage needs expanded, the solution still fit the bill. Penry Jackson, head of financing and risk at New York Digital Investment Group, said Kacker is well versed, not only on the insurance landscape but also in the technical aspect of Jackson’s business. “He clearly is well connected and has been able to provide us with a great deal of additional color on the state of the market, while operating at the highest level of confidentiality and integrity,” Jackson said. “Ankur’s dedication to providing us the best possible service has enabled us to maintain our preeminence and market leadership.” What is a Power Broker? A Risk & Insurance Power Broker® is an individual who stands out among their peers for the exceptional client work they delivered over the past year. While brokers play many key roles in the insurance industry and risk profession, a Power Broker® award recognizes problem solving, customer service and industry knowledge. Our goal is to broadly recognize and promote outstanding risk management and customer service among the brokerage community. Who selects the winners? Power Brokers are selected by risk managers based on the strength of the testimonials they provide to a team of 15 Risk & Insurance editors and writers.

https://riskandinsurance.com/award-profile/marsh-broker-ankur-kacker-recognized-as-a-2022-specialty-power-broker/

Montgomery & Associates Insurance & Financial Services Named Best Practices Agency 2020 NASHVILLE, TENNESSEE, February 2, 2021 – Montgomery & Associates Insurance and Financial Services earned the designation of Best Practices agency for the fifth consecutive year. The agency joins an elite group of independent insurance groups around the United States who share the Independent Insurance Agents & Brokers of America (IIABA) Best Practices Group status. CEO and Founder Will Montgomery commented, “This award matters because it tells us that we are doing so many things right and identifies areas of improvement to best serve our clients and grow as an organization.” The insurance agencies comprising the study group are selected through a rigorous nomination process with uncompromising qualifying criteria, resulting in the top firms selected as Best Practices Agencies. The Best Practices agencies retain their status during the three-year study cycle (2019-2022) by submitting extensive financial and operational data for review each year. During the 2020 Study year, only 262 of the estimated 36,000 independent agencies throughout the United States, qualified and retained their status as a Best Practices agency. Montgomery further shared, “The Best Practices study shows our agency is proficient at managing risk to protect clients with unique asset exposures, including owners of luxury homes, collectible cars and commercial businesses. We have assembled one of the finest teams in the nation comprised of industry leaders who bring risk expertise within commercial insurance and personal lines. We take time to fully evaluate and mitigate risk exposures that can threaten personal wealth or business assets. With this recognition, our skilled agents can serve as trusted advisors providing tangible asset protection, risk management, and creative problem-solving free from barriers.” Montgomery & Associates Insurance & Financial Services offers multiple insurance carrier proposals for homeowners, life, auto, short-term rental, collectible automobiles, high-value houses, and commercial insurance. Prominent carriers include Chubb, Progressive Insurance, Nationwide Private Client, MetLife, Safeco, Cincinnati, PURE, and Westfield Insurance. Montgomery & Associates Insurance & Financial Services was selected as Small Business of the Year (Nashville Business Journal) and Best Insurance Firm. Will Montgomery was recognized in the Who’s Who Biographical Registry, was a finalist in the Nashville Entrepreneur’s Center’s NEXT Award and received the Favorite Insurance Agent award in past years. He is designated as a MetLife leader and a Progressive Insurance Platinum agent. Most recently, he was awarded Best Insurance Agent by The Tennessean, which is owned by Gannett. Montgomery and Associates Insurance & Financial Services is a Nashville insurance firm uniquely positioned to offer commercial and personal lines of coverage and financial services. According to Will Montgomery, "We feel our clients need both risk management advice and financial guidance which are of utmost importance in today's environment. Our clients need to have a well thought out strategic plan to protect what matters most. We meet with clients to learn their risk exposure within their highest valued assets. Our firm insures owners of businesses, short-term rentals, sports cars, RVs, and collectible cars, and signatures homes. Ultimately, our agency provides peace of mind that our clients are properly protected in these uncertain times." Will and his team at Montgomery are committed to giving back to the local community. He has personally volunteered with the Second Harvest Food Bank of Middle Tennessee, the American Liver Foundation, Juvenile Diabetes Research Foundation, Habitat for Humanity of Greater Nashville, Hands on Nashville, and the Fatherhood Foundation. Will is a member of the Round Table Experience, Nationwide Private Client Advisory Panel, Selective Insurance Advisory Panel, National MetLife Insurance Advisory Panel, and the Entrepreneur Organization EO Nashville. For more information contact: Montgomery & Associates Insurance and Financial Services 1730 General George Patton Dr Brentwood, TN 37027 Latest Press Releases

https://www.montgomeryassociatesins.com/best_nashville_insurance_agency/default.aspx

Montreal, QC (July 6, 2015) – Along with Hop’n S@ve and InstaBalance, Ajusto is now also available on Apple Watch. This latest addition comes just a few weeks after the launch of the Ajusto app – This link will open in a new window. for smartphones, which made Desjardins the first Canadian insurer to offer a fully mobile telematics insurance program that doesn’t require a plug-in device. Apple Watch owners who download the app will be able to see their driving score, view information on their most recent trip, get notifications and find out their Ajusto community ranking. The launch of the Ajusto app has made the Ajusto program accessible to more clients who will be able to improve their driving behaviour, thanks to near-instant feedback on their behind-the-wheel habits. Anyone, including non-clients, can try the Ajusto app for 90 days with no obligation to get an idea of the discount that could apply. The Ajusto telematics program is available free of charge to Desjardins Insurance clients in Ontario and Quebec. Drivers can save up to 25% on their auto insurance premium, in addition to other discounts already offered by Desjardins Insurance. The launch of Ajusto on Apple Watch is an example of one of the ways Desjardins Insurance keeps innovating to deliver personalized solutions to consumers. Ajusto for Apple Watch is also available to clients of The Personal, home, auto and business group insurer and a Desjardins Group subsidiary. About Desjardins General Insurance Group A subsidiary of Desjardins Group, Desjardins General Insurance Group provides home and auto insurance to consumers and commercial insurance to businesses across the country. With more than 6,000 employees in Canada, expected direct written premiums of $4.0 billion and assets of almost $12.8 billion, DGIG ranks among the largest P&C insurers in Canada. SOURCE: Desjardins General Insurance

https://www.insurance-canada.ca/2015/07/06/desjardins-insurances-ajusto-app-now-available-on-apple-watch/

Baldwin and Jones Named ‘Legal Lions’ by Law360 for $35.5M Insurance Coverage Victory Partner David Baldwin and associate Carla Jones were named “legal lions” by Law360 for their roles in an insurance coverage victory in Delaware Superior Court. The jury found that a now-defunct aluminum producer’s property insurers must pay $35.5 million to cover the company’s losses from the disruption of its business following two major accidents at its Missouri smelting facility. Potter Anderson served as co-counsel to Covington & Burling. Baldwin, a fellow of the American College of Coverage and Extracontractual Counsel, has handled cases in all Delaware state and federal courts as well as numerous courts in other states. A significant focus of his practice involves representing policyholders seeking coverage for directors and officers, property damage, product liability, environmental, aircraft liability, cyber liability, and other insurance claims. Jones focuses on complex commercial and insurance coverage litigation in the state and federal courts of Delaware. Prior to joining Potter Anderson, she served as a law clerk for two years to the Honorable President Judge Jan R. Jurden of the Superior Court of Delaware. Lauren Kornsey, Senior Manager, Marketing and Business Development About Potter Anderson Potter Anderson & Corroon LLP is one of the largest and most highly regarded Delaware law firms, providing legal services to regional, national, and international clients. With more than 90 attorneys, the firm’s practice is centered on corporate law, corporate litigation, intellectual property, commercial litigation, bankruptcy, labor and employment, and real estate.

https://www.potteranderson.com/insights/news/Baldwin-and-Jones-Named-Legal-Lions-by-Law360-for-Insurance-Coverage-Victory

One traffic accident can cause 38 minutes of standstill - By Chantsalmaa Demchigkhorloo - - Jan 08,2024 The First Deputy Governor of the Capital City in charge of Economy and Infrastructure, P.Sainzorig met with the representatives of the Ministry of Justice and Internal Affairs, the General Police Department, the Transportation Police Service, the Financial Regulation Committee and the Mongolian Insurance Association. The parties exchanged opinions on the participation of the insurance industry and solutions to reduce traffic jams within the framework of public-private partnership. Of all the accidents, 71 percent occur between 08:00 a.m. to 7:00 p.m. in the capital city. It is estimated that a traffic accident causes traffic delays of 38 minutes on average. In other words, the average speed of the city's traffic slows down as the car involved in an accident stays on the road. The CEO of the Mongolian Insurance Association, J.Batjargal said "The insurance sector is developing certain solutions to reduce the traffic congestion which is one of the most pressing problems of the capital city. In order to reduce the call time of an insurance company when a traffic accident occurs, a technological solution called "Zuragu system" has been developed which can make the evaluation on the spot with the help of artificial intelligence. Also, the blockchain technology is implemented to determine where and what risks are occurring in Ulaanbaatar City through risk information mapping which is an integrated information system implemented in the insurance industry. Furthermore, the solution is being developed to introduce an insurance database that summarizes that information. By introducing these, it is possible to reduce the number of traffic accidents to a certain extent, quickly solve the causes of traffic accidents and be informed about the roads with risks of accidents."

http://theubposts.com/one-traffic-accident-can-cause-38-minutes-of-standstill/

As a child, the Reverend Dr. Martin Luther King, Jr. would often play basketball behind a fire station in Atlanta’s historically Black neighborhood of Sweet Auburn. It’s a small coincidence that the fire station was built atop the former home of Theodore “Tiger” Flowers, the world’s first Black middleweight boxing champion; it’s a matter of much greater coincidence, though, that the very same station would later become the first racially integrated firehouse in the city, thanks to the dauntless bravery of 16 Black firefighters. A museum now housed in the defunct station outlines their accomplishments in desegregating the largest fire department in the American South, while also displaying historic firefighting equipment. At the dawn of the Civil Rights Movement, Atlanta’s Black community began applying pressure on the mayor and city council to integrate the fire department, not only to provide employment opportunities, but more importantly to ensure that every neighborhood received equal protection from fire-related accidents. In 1962, Mayor Ivan Allen authorized the hiring, and though 16 Black men were recruited, they had to undergo training by white supervisors first. Those first 16 Black firefighters attest to undergoing more than just a rigorous training: It was meant to deter them from enlisting entirely. The malevolent attempt at dissuasion had an opposite effect: The treatment they endured made them stronger, faster, more effective firefighters—the best in the city, they claimed. While all 16 graduated training in April, 1963, they were initially placed in a station of their own—Station No. 16—instead of being integrated throughout the city. Firefighting is an intimate occupation, with employees living, eating, and sleeping together throughout their time on duty, and many white firefighters fought tooth and nail to resist full integration. With the July 1964 passage of the Federal Civil Rights Act, however, segregated stations finally fell by the wayside, and new minority hiring practices brought even more Black firefighters onto the force. Station No. 6 was the first to formally desegregate, and retired firefighters recall arriving at the scenes of many fires to cheers and applause from onlookers. Station No. 6 housed an active, integrated force until 1991 when they were moved to a newer building nearby. Beside a detailed history on the journey to integration, the museum that is now Historic Station No. 6 also features historic fire fighting equipment. There’s a 1927 LaFrance fire engine which was in use until the 1950s; original brass firepoles; and a 19th century fire alarm telegraph machine, which at one time would have connected to numbered boxes throughout the city that could be triggered in the event of a fire.

https://www.atlasobscura.com/places/fire-station-no-6

Caroline Stone joins DUAL UK as Chief Risk Officer DUAL is pleased to announce that Caroline Stone has joined as Chief Risk Officer for DUAL UK, effective immediately. In her new role Stone is responsible for DUAL UK’s Risk and Compliance teams and reports to Richard Clapham, CEO, DUAL UK and DUAL Group. Stone also joins the board of DUAL Corporate Risks Limited. Richard Clapham, CEO, DUAL Group said: “We are delighted that Caroline has chosen to join DUAL. Our success has always been about attracting the right talent and Caroline’s extensive Risk and Compliance experience will make an important contribution to DUAL and our ambitious growth journey.” Caroline Stone added: “I am very pleased to be joining DUAL and I’m looking forward to leading the Risk & Compliance function for DUAL UK. DUAL has a truly entrepreneurial culture and I’m excited to be part of the team and play a role in the business’s exciting plans for 2023 and beyond.” Stone brings with her significant experience in financial services, most recently as Chief Risk & Compliance Officer at BGL Insurance and before that as Head of Risk & Compliance at Nottingham Building Society.

https://www.dualgroup.com/Caroline-Stone-joins-DUAL-UK-as-Chief-Risk-Officer

The National Insurance Commission (NAICOM), has approved the appointment of Mr. Lawal Mijinyawa, as the new Managing Director and Chief Executive Officer, of KBL Insurance Limited following the retirement of Mrs. Ukachi Orji. The board had met in November 2023 after Mrs. Orji notified it of her intension to retire after over 25 years of service (and 10years as MD/CEO), considered and approved Orji’s retirement and resignation from her role as MD, with effect from January 1st, 2024. Lawal Mijinyawa, (Chiroman Duguri), the new Chief Executive is an avid insurance practitioner, with over 25 years in the insurance industry at various insurance companies, in Nigeria. A sound technical underwriter and marketer, his experience spans from actuary, Oil and Gas, Marketing to management. A hands-on insurance professional, his years in the industry, have seen him deeply involved in policy evaluation, pension administration, policy implementation, marketing and strategic policy formulation, product designs and business executions, while supervising various technical and marketing directorates. Mijinyawa’s relevant contributions to the development of insurance in Nigeria is known in areas such as group life assurance, Public sector marketing, privatisation and commercialisation of public enterprises, as well as branch management, through various academic journals, publications, and presentations. Mijinyawa holds a Bachelor of Science degree in mathematics, from the University of Jos, Nigeria, and a master’s degree in business administration from Abubakar Tafawa Balewa University, Bauchi. He is an associate member of the Nigerian Institute of Management, the Nigerian Institute of Marketing, and the Chartered Insurance Institute of Nigeria (CIIN). He served as a board member, representing Niger Insurance Plc on Montgomery Security Vaults Nigeria Limited Board. Subsequently, he joined the Board of KBL Insurance Limited, initially as a non-executive director, where he served for about 2 years before his current appointment as MD/CEO. With a robust presence across Nigeria, KBL Insurance Limited is registered and approved by NAICOM. As a fully recapitalised general insurance entity, the company is equipped to safeguard various assets. With about 30years experience of its existence, KBL Insurance Limited specialises in mitigating corporate and retail insurance risks for Small and Medium Scale Enterprises (SMEs). Its coverage spans Motor Insurance, Computer All Risk, Fidelity Guarantee, Contractors All Risk, Marine Insurance, Fire and Special Perils, Group Personal Accident, Combined Fire & Burglary, Goods-in-Transit, Agric Insurance and more, resonating with a diverse clientele from both the public and private sectors. In an industry where trust and responsiveness are paramount, KBL Insurance’s relentless dedication to its clients, its industry-altering innovations, and its drive to enhance economic growth through insurance, make it a standout player to be reckoned with, in the Nigeria’s underwriting space.

https://businesstodayng.com/mijinyawa-takes-over-as-md-of-kbl-insurance-as-orji-bows-out/

Major Internet Outage in the Philippines: A New Protection Gap? As an insurance executive, you know that unexpected events can happen at any time. But have you considered the impact of a major internet outage on your business? The recent outage in the Philippines, which affected major sites like Google, YouTube, Gmail, and Facebook, should serve as a wake-up call for insurance executives everywhere. According to Downdetector.ph, the outage began at around 4:20 pm and lasted for several hours. PLDT and Smart, two major internet providers in the Philippines, experienced connection issues, while Google and YouTube were completely down. As a result, many businesses and individuals were unable to access important information and services online. The cause of the outage is still unknown, but it highlights the importance of having insurance coverage for unexpected events. Traditional insurance policies may not cover losses resulting from internet outages, but parametric insurance can provide a solution. One of our submarine cable partners confirms a loss in some of its internet bandwidth capacity, and thus causing slower internet browsing. We are now working with our partners to provide alternate capacity that would restore the browsing experience in the next few hours. - PLDT released a statement to the ongoing internet problem Parametric insurance is a type of insurance that pays out when a specific event occurs, such as a natural disaster or a cyber attack. It is based on objective data, such as weather patterns or internet traffic, rather than subjective assessments of damage. This makes it faster and more efficient than traditional insurance, which requires time-consuming claims assessments. With Riskwolf, you can turn real-time data into insurance. Using unique real-time data and dynamic risk modelling, we enable insurers to build and operate parametric insurance at scale. Simple. Reliable. Fast. Imagine if your business was affected by the recent internet outage in the Philippines. With parametric insurance, you could have received a payout based on the objective data of the outage, rather than waiting for a traditional insurance claim to be processed. This would have allowed you to quickly recover and get back to business. The recent internet outage in the Philippines should serve as a wake-up call for insurance executives everywhere. It is a reminder that unexpected events can happen at any time, and that traditional insurance policies may not provide adequate coverage. Parametric insurance is a solution that can provide faster and more efficient coverage for events like internet outages. Don’t wait until it’s too late – contact Riskwolf today to learn more about how we can help you develop parametric insurance for your business.

https://www.riskwolf.com/blog/2023-06-04-major_internet_outage_in_the/

Michael Grandstaff Joins SUNZ as Chief Financial Officer & Executive Vice President SUNZ Holdings today announced the appointment of Michael W. Grandstaff to the position of Chief Financial Officer and Executive Vice President of SUNZ Holdings, and Chief Financial Officer of SUNZ Insurance Company. Grandstaff will report directly to Steven F. Herrig, CEO and Chairman of the Board. In his new position, Grandstaff will be responsible for overseeing the financial reporting and accounting operations for SUNZ Insurance Company. He will also play an important part in setting strategic direction and development of the holding company’s affiliates. “Mike brings fantastic skills to our finance and accounting team from his experience at other insurance carriers and insurance service providers. I’m excited to have Mike join the SUNZ senior leadership team. He is an accomplished executive, and I’m confident that with Mike at the helm, we will meet our growth goals as we continue to move forward,” said Herrig. “In addition, his knowledge of the PEO and Staffing industries will be exceptionally beneficial to SUNZ and its policyholders.” “This is a great time to be joining SUNZ,” said Grandstaff. “Being able to help an organization during a critical growth period is extremely appealing to me. I look forward to using my financial expertise and management skills to assist in providing unmatched services to current and prospective policyholders and controlling the costs associated with claims. I think my background of working for companies that focused on workers’ compensation services and coverage will be advantageous to the policyholders of SUNZ.” Before joining SUNZ, Grandstaff held positions with several insurance carriers and was employed by several national accounting firms. Most recently, he was an Executive Vice President for a workers’ compensation insurance service provider where he led his team in acquiring numerous acquisitions that included assets of $132 million. Grandstaff has been responsible for organizational strategy, GAAP and statutory accounting and financial reporting, actuarial reserving and financial planning and analysis throughout his 34-year career. Grandstaff earned his BA and MBA in Accounting from Michigan State University in 1983 and received his CPA designation in Michigan and California. SUNZ Holdings, the parent company to five subsidiaries, is owned by Steven F. Herrig. SUNZ Insurance Company (www.sunzinsurance.com) and SUNZ Insurance Solutions, the initial companies held by the holdings company, were founded specifically to provide workers’ compensation solutions for Professional Employer Organizations, staffing companies and large self-insured employers. Other affiliates under the SUNZ Holdings moniker include: Next Level Administrators, a goal-oriented workers’ compensation claims and program administration firm, SUNZ Insurance Agency, an insurance agency, and DiffRins SPC, a class B(i) licensed insurance company under the laws of the Cayman Islands.

https://asamarketplace.net/news-releases/2017/03/22/michael-grandstaff-joins-sunz-chief-financial-officer-executive-vice-president/

to Gypsy Live Auctions Trusted source for leading breeders, owners and trainers to buy, sell and market top quality Gypsy Vanners and Cobs. We list only the highest quality Gypsy Vanners and Cobs available. Rest assured, we work hard to meet and exceed your highest expectations both as a seller and a buyer. Immediate full mortality insurance coverage is effective upon the fall of the hammer, for the amount of the total purchase price. You are on the go and so are we. That shouldn’t keep you from owning your next horse. Place a mobile bid with ease. Our auctions automatically extend 2 minutes each bid in the last 10 minutes. Don’t sweat it! All Horses come with Immediate full mortality insurance coverage is effective upon the fall of the hammer, for the amount of the total purchase price. The insurance arranged by sale management, with C. Jarvis Insurance Agency of Aurora, Ohio, will remain in effect until the purchaser signs the contract, or until midnight of the first business day after the sale, whichever occurs first, by which time it is the obligation of the new owner to arrange permanent insurance if desired. You are invited to discuss specific coverage details and your insurance needs with one of our agents at: 1-440-248-5330 All coverages are subject to the terms conditions and exclusions of the actual policy issued.

https://gypsyauctions.com/

Every two years, the Austrian Federal Fire Brigade Association (ÖBFV) awards companies from all federal states who have promoted their fire service-friendly practice in recent years with the ‘Feuerwehrfreundlicher Arbeitgeber’ (Fire Service-Friendly Employer) prize. Put forward by the National Fire Brigade Association, FRIES was awarded the 2013 Fire Service-friendly Employer prize by the President of the ÖBFV. FRIES Kunststofftechnik GmbH, based in Sulz, manufactures packaging, technical components, cleaning and storage racks for the catering industry, and returnable cups for football stadiums, concerts, and other major events. Company Director Gerhard Marte and Chief Fire Officer of the Plant Fire Service, Herbert Rauter, are to accept the 2013 FIRE SERVICE AWARD on October 24 as part of the ceremony in the Federal Ministry of Internal Affairs in Vienna. The FRIES plant fire brigade was founded in 1951 and currently comprises 14 firefighters. As a result, this makes every fifth employee a member of the plant fire brigade. Of the plant fire brigade members, 6 of them are also employed by a local fire department. The plant fire service were also to thank for preventing even further damage in a major fire incident in 2006. The production process was also virtually able to continue uninterrupted because the production facilities and shaping tools required for this had not been damaged.

https://www.fries-kt.com/2013-fire-service-friendly-employer/?lang=en

October 27, 2022 (AUSTIN, Tex.) — Mitchell Williams Attorney Burnie Burner presented at the International Association of Insurance Receivers 2022 Technical Development Series IX in Oklahoma City. Burner discussed a case study on the unique transfer of the workers compensation business from Highland Ins. Co, in Rehabilitation to Swiss Re. Burner is an insurance regulatory attorney and brings unique experience and perspective to the representation of insurance companies, investors, agents and alternative risk arrangements in Texas and throughout the country. He advises insurance industry clients in the acquisition of companies and blocks of business, holding company issues, licensing, product and policy development, regulatory compliance, examinations and investigations. The International Association of Insurance Receivers was founded in 1991 to provide persons involved with insurance receivership's and financially stressed or troubled insurers a forum to exchange information, develop best practices, establish and maintain accreditation standards, and educate its members and others concerning the administration and restructuring of such insurers. About Mitchell Williams Mitchell, Williams, Selig, Gates & Woodyard, P.L.L.C. is a full-service corporate law firm providing strategic, comprehensive legal counsel for everything from day-to-day needs to the most complex, specialized business matters. Established in 1954, the firm has offices in Little Rock, Rogers and Jonesboro, Arkansas and Austin, Texas. For more information, visit MitchellWilliamsLaw.com.

https://www.mitchellwilliamslaw.com/mitchell-williams-attorney-burnie-burner-presents-at-iair-technical-development-series

Farmington Hills, Mich. (August 9, 2016) – Burns & Wilcox, North America’s leading privately-held specialty insurance wholesaler, announced today that its video series with top PGA pro golfer Jimmy Walker has received a bronze 2016 Telly Award for creative excellence. The series of videos were focused on providing golf tips and designed to improve a person’s golf game. “This is a very competitive industry that requires we reach our audience in new ways and connect with them on a more personal level,” said Richard Shipley, Corporate Associate Vice President, Marketing, Burns & Wilcox. “The decision to sponsor a major PGA golfer was a significant step for Burns & Wilcox, and winning this award is tremendous validation that we are leveraging that sponsorship in a creative way that communicates our company’s skills and expertise.” The video series, titled “Making the Hard-to-Place Easy,” combines Burns & Wilcox’s known ability to place insurance policies for the most complex risks and Jimmy Walker’s ability to execute difficult shots in golf. The videos focus on increasing power and consistency, correcting a golfer’s slice and putting. Walker, who most recently won the 98th PGA Championship at Baltusrol Golf Club, has a long track record of wins and is ranked 15th in the world. Walker is the company’s first professional athlete brand ambassador. “The majority of Burns & Wilcox’s clients and partners are avid golf fans,” Shipley added. “The video series makes the direct connection with their passion and the distinctive qualities that both Walker and Burns & Wilcox share, like competitiveness, integrity, hard work and professionalism. It’s been an incredibly successful partnership.” The 37th Annual Telly Awards received more than 13,000 entries from the finest advertising agencies, production companies, TV stations, cable companies, interactive agencies and corporations in the world. The video campaign was created in tandem with Burns & Wilcox by longtime advertising agency partner Real Integrated of Bloomfield Hills, Mich. View the winning three-part video series here. About Burns & Wilcox Burns & Wilcox is the industry’s leading wholesale insurance broker and underwriting manager. Burns & Wilcox has more than 50 offices across the United States and Canada and employs more than 1,600 professionals. Founded in 1969 and headquartered in Metro Detroit, Burns & Wilcox is internationally recognized for its insurance brokerage and underwriting expertise in commercial and professional liability, property, marine and personal insurance. Burns & Wilcox is a member of H.W. Kaufman Financial Group, which also includes Burns & Wilcox Brokerage, Burns & Wilcox Canada, Burns & Wilcox Re, Global Excess Partners, Atain Insurance Companies, R.B. Jones, Royal Premium, US-Reports, Minuteman Adjusters, Canadian Reports, Cranbrook Underwriters, Chesterfield Insurance Brokers and Lochain Patrick. More information can be found at www.burnsandwilcox.com or www.kaufmanfinancialgroup.com.

https://www.burnsandwilcox.com/burns-wilcox-wins-advertising-award-for-creative-excellence-in-video/

View the Lloyd's Europe FAQ's. Our story in Poland Supporting Polish insurance industry for nearly 30 years. With a growing network of local coverholders and developing cooperation between Lloyd’s and Polish brokers, Lloyd’s underwriters are the leading insurers of specialist risks in the country. Our customers are the businesses and entrepreneurs who drive and serve the Polish economy and they come to Lloyd’s to access the scale, diversity and financial strength of our specialist insurance and reinsurance market. Lloyd’s provides tailored insurance and reinsurance solutions for a variety of Polish risks including Energy, Marine, Aviation, Mining and Infrastructure. The depth of expertise and breadth of products sets the Lloyd’s market apart. Customers have access to the combined scale, expertise and capacity of an entire market, not just a single insurance company. As our world is reshaped by economic, environmental, geopolitical and technological shifts, the breadth, depth and responsiveness of the Lloyd’s market gives Polish businesses the confidence to move forward in the face of uncertainty. Lloyd’s requires all insurance risks located in the EEA to be written by Lloyd’s Insurance Company S.A. (“Lloyd’s Europe”) and not Lloyd’s underwriters. Lloyd’s Europe is authorised and regulated by the National Bank of Belgium, and is fully Solvency II compliant, Lloyd’s Europe has passported into all EEA Member States for non-life insurance and is authorised to write non-life risks from Monaco and the UK. To find out more about Lloyd’s Europe, visit the following link: https://www.lloydseurope.com Our work in the community Lloyd’s is committed to improving lives and building resilience in the local community. Through the Lloyd’s Together program we support local communities with projects that focus on education and employability, environment and sustainability, social welfare and health and disaster preparedness and relief. In Poland, Lloyd’s supports a local foundation helping children to choose a career path after graduation. The Lloyd’s market champions diversity and is leading the field in encouraging open, inclusive cultures across our industry. Find out about the types of risks Lloyd’s can underwrite and our business in Poland. Lloyd’s Insurance Company are licensed to write insurance and reinsurance throughout Poland and offer tailored solutions in all classes, subject to the exception of compulsory third party motor liability insurance (Class 10). Lloyd’s covers more than 60 lines of insurance and reinsurance: - Accident & Health - Agriculture & Hail - Difference in Conditions - Directors & Officers - Extended Warranty - Financial Institutions - Fine Art - Lega Expenses - Livestock & Bloodstock - Medical Expenses - Medical Malpractice - General Liability - Personal Accident XL - Political Risks, Credit & Financial Guarantee - Power Generation - Professional Indemnity - Term Life *Lloyd's Underwriters in Poland are not licensed for: compulsory third party motor liability insurance (Class 10). Find a broker, coverholder or insurer Tools and resources Frequently Asked Questions Lloyd’s Europe office contact details Lloyd’s Europe is situated in the heart of Europe and heads up the 19 countries where Lloyd’s Europe has a local presence. Lloyd’s Europe Bastion Tower Place du Champ de Mars / 5 Marsveldplein1050 Bruxelles / Brussel

https://www.lloyds.com/en-pl/lloyds-around-the-world/home

The Cybertruck is finally here and we all couldn’t be more excited about the all-electric truck. Tesla is currently in the process of delivering the first 1000 Foundation Series Cybertrucks to customers. Foundation Series Cybertrucks have special laser-itched 3-headed Cyberbeast insignia and other unique features. Since the unveiling event, we’ve learned a lot about the Cybertruck. We know that the Cybertruck has a range extender that increases the truck's range from 340 miles to 470 miles. Elon Musk has given us more details about the range extender. MKBHD Releases Cybertruck 2nd Impressions Video – “All the Numbers Except 0 to 60 Mph are Worst Than They Promised, 1st Time That’s True for Tesla” @elonmusk @Tesla#Cybertruckhttps://t.co/WeMNCizGMh — Torque News (@torquenewsauto) December 8, 2023 During the Cybertruck’s first review, we’ve also seen the truck going against a Rivian R1T and Hammer EV. In this face-off, the Cybertruck broke the speed record for pickup trucks. During Hagerty’s Cybertruck video, we’ve also seen the Cybertruck’s revolutionary steer-by-wire variable gain steering system in action and we’ve gotten a good explanation of why Tesla’s move to 48-volt low voltage architecture in the Cybertruck is so important to the automotive industry. Yesterday, Ford CEO Jim Farley confirmed that he has received a how-to guide from Tesla titled “How to build a 48-volt vehicle.” Elon Musk has responded in return. Cybertruck information thus far has been overwhelmingly positive however, there has also been some Cybertruck criticism. MKBHD, in his 2nd Cybertruck impressions video, says “All the numbers except 0 to 60 mph are worse than they promised, it’s the first time that’s true for a Tesla.” So far, we’ve learned almost everything there is to know about the Cybertruck. So what is left? Well, we know that the Cybertruck is as revolutionary on the inside as it’s unique on the outside. Elon Musk Hints Cybertruck Can be Sold in Europe, Refutes Tesla Truck is “Unable to Pass European Pedestrian Safety Regulations” @Tesla @elonmusk#Cybertruck https://t.co/EOEh5VekoU — Torque News (@torquenewsauto) December 7, 2023 According to Elon Musk, Tesla has implemented several industry-first technologies in the Cybertruck. These include using a high bandwidth ethernet cable to transfer data around the vehicle, 48-volt low voltage architecture, and steer-by-wire variable gain steering system, and the Cybertruck is also the first Tesla designed from the ground up to take full advantage of the EV maker’s 4680 cells and a structural battery pack. So given all this first-of-its-kind technology, we all can’t wait for “Teardown Titan” Sany Munro to get his hands on a Cybertruck and walk us step by step through all the innovations inside the truck. Sandy Munro’s full Cybertruck video has not yet been released. Nonetheless, the Detroit legend has still given us a glimpse of what’s to come during his Cybertruck review. Since his Cybertruck review article was borrowed from Tesla, Munro was not able to tear the vehicle into its components however, Sandy has still given us a behind-the-scenes of one of the Cybertruck’s high-end features. In the video, you can see Munro remove the front panel inside the Cybertruck’s frunk. Once the plastic is off, Tesla appears to have installed the Cybertruck’s HEPA filter in a manner that is easily accessible to reach from the outside. Just a few latches and you can easily reach the HEPA filter which should make accessing this component all the more easier. Sadly this is as far as Munro was able to go through his Cybertruck teardown given this is a loaner truck from Tesla however, Sandy has revealed that there’s a lot of exciting Cybertruck content coming our way. Currently, this is all the information we’ve regarding the Cybertruck’s internal workings, however, we’ll be sure to keep you posted as the first teardown videos start to hit the internet. Until then, make sure to visit our site torquenews.com/Tesla regularly for the latest updates. So what do you think? Were you excited to see Sandy Munro’s Cybertruck teardown teaser? What are you most interested to find out about the Cybertruck once the full teardown gets underway? Let us know your thoughts in the comments below. Image: Courtesy of Tesla, Inc. For more information check out: Elon Musk Hints Cybertruck Can be Sold in Europe, Refutes Tesla Truck is “Unable to Pass European Pedestrian Safety Regulations” Tinsae Aregay has been following Tesla and The evolution of the EV space on a daily basis for several years. He covers everything about Tesla from the cars to Elon Musk, the energy business, and autonomy. Follow Tinsae on Twitter at @TinsaeAregay for daily Tesla news

https://www.torquenews.com/11826/sandy-munro-gives-glimpse-cybertrucks-internals-teases-full-teardown-video

Arlington business law firms should have experience in dealing with a wide range of complexities. Commercial general liability insurance is one of the most complex. If you’re having issues with your coverage, get in touch with Christman | Daniell Attorneys before any other business law firms in Arlington TX. Not only will we take the time to listen to whatever issues you’re having, we’ll provide you with a clear course of action to rectify the situation. Exclusions to General Liability Insurance As attorneys with all Arlington business law firms will tell you, a commercial general liability insurance policy is designed to protect your company should any sort of injury or accident occur at your place of business. However, you may need to contact business law firms if you’re denied coverage in the event something happens. An attorney can take a close look at your policy and see if you can take legal action to get what you believe you deserve. Many policies have exclusions that could result in you not being covered. For example, your policy might not cover property damage or injuries that occur as the result of a car or truck accident. There’s a chance you could be denied for something as vague as a “lack of cooperation” on your part. In this instance, you’ll definitely need the help of business law firms in Arlington TX such as Christman | Daniell Attorneys. We will not only take a close look at your policy, we’ll also look carefully at the reason why you were denied coverage. There are, of course, legitimate exclusions. These include as intended injury or damage, injuries caused by pollution, a product failing to work as advertised, and many others. However, insurance companies will sometimes act in bad faith, trying to hide behind an exclusion when they don’t have the legal grounds to do so. If that’s the case, you can rest assured we’ll do everything we can to help you obtain full, fair compensation.

https://christmanattorneys.com/arlington-business-law-firms/

(BOONVILLE, MO) – Luster Insurance of Boonville teamed with its partner insurance provider, MutualAid eXchange (“MAX”), in announcing a grant for Zion Lutheran Church and School to support the new Activity Center in Lone Elm. “We are pleased and proud to partner with MAX in our agency and in this community grant,” said Terry and Sheryl Luster. “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 Luster Insurance and Zion Lutheran Church and School to provide support for the new Activity Center.” Luster Insurance is an independent insurance agency representing MAX Insurance in Boonville 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 which makes grants to worthwhile community organizations recommended by its independent agents. For more information: 415 E. Ashley Road Boonville, MO 65233 MAX Insurance, www.MAXInsurance.com Left to right in photo: Teachers Andrea Petree and Marcia Toellner, Pastor Paul Weisenborn, Agents Terry and Sheryl Luster, and MAX Regional Sales Manager Mark Files

https://maxinsurance.com/tag/boonville-mo-home-insurance-agent/

Umbrella Slim Royale Experience the perfect blend of style and practicality with the Umbrella Slim Royale, featuring an expansive 102cm diameter canopy for ample coverage and a sleek 85cm length when closed. Crafted from durable POE material with a sturdy metal frame, this umbrella comes in an elegant blue that catches the eye, ensuring your customers stay dry in fashion. Ideal for those seeking a reliable yet chic rain accessory, this umbrella is poised to become a best-selling item in any retail space. Also In This Range Similar products in the same range as Umbrella Slim Royale Step up your inventory with the chic and functional Umbrella Slim Royale, an essential accessory perfect for both practical use and an elegant addition to home and office decor. At a generous 102cm in diameter, this umbrella provides ample coverage on rainy days, while its slender 85cm length when closed makes it an unobtrusive and stylish standby beside entryways or in umbrella stands. Crafted from durable POE material with a sturdy metal frame, the Umbrella Slim Royale is built to withstand the elements without compromising on style. Its vivid blue hue adds a pop of colour, acting as a perfect accent piece that complements a wide range of decor styles, from the modern minimalistic office to the cozy, eclectic living room. Not just a defense against the rain, this umbrella makes for an attractive gift that fuses practicality with polished design. The sleek curve of its handle offers a touch of sophistication that is sure to be a hit among consumers looking for a blend of utility and aesthetic appeal. Add the Umbrella Slim Royale to your collection and offer your customers a blend of elegance, reliability, and a classic touch to their everyday essentials.

https://www.lavida.com.au/products/umbrella-slim-royale/35513/1

Trusted Lynchburg Virginia Insurance Agency Based in Lynchburg VA we have been providing the best customized insurance plans for individuals, families and businesses since 2000. Hedges Insurance is an insurance agency in Lynchburg, Virginia. We service Lynchburg and the entire state of Virginia! Hedges Insurance offers a wide range of insurance options to fit your needs. As your Independent Agent, we offer choice, provide a high level of service, and are local to your community. Our secured, personalized business insurance offers can provide invaluable protection for your business and give you peace of mind. We provide the best auto insurance plans that provide financial and legal protections against risks that may happen at any time on the road. We have a wide range of home insurance plans which are designed to protect your home and properties against the most common threats you may face. Life insurance gives you peace of mind while you're alive, and financial support for your loved ones when you're gone. WHY CHOOSE US? Are you looking for a good insurance company and getting fed up with comparing insurance rates? Choosing the right insurance agencye can make a big difference in price, service, and value. That’s why we’re here to cut through the clutter and to support you! We're an established insurance agency with over 15 years of experience Our agents are always ready to help you find the right insurance solutions With us, you can easily choose the right plans that fit your budget and requirements FAST & QUALIFIED CLAIMS We are committed to providing fastest help for insurance claims MEET THE TEAM Card Playing, Grandmother of three girls, and Insurance Agent! Trish started the agency from scratch in early 2000 at the prompting of her father. She grew up in Oklahoma but moved to Lynchburg to attend Liberty University where she enjoyed singing in the Liberty University Fellowship Gospel Choir. To this day, she will occasionally dust off her “pipes” and sing with a local jazz band. She enjoys spending time with her family, drinking whatever Heather mixes up, watching baseball, reading, playing craps, poker and working. She is passionate about keeping things local and it isn’t unusual for her to be found at the office on a weekend sponsoring a local charity’s car wash, yard sale, etc. Cruiser, Racer, Gamer and Insurance Agent! Heather began her insurance career with the agency in 2003, after a 3 year hiatus from work so she could care for her 22 week preemie daughter. This life-altering event is why she is so passionate about the Children’s Miracle Network! She wears many hats in the office as a CSR, Agent and Office Manager. In her free time she enjoys cruising, gaming and mixology. As an avid motor racing fan, she loves Formula One, MotoGP and spending time with her husband and now teenage daughter at various racing events. Every year, they sponsor a Horse Rescue event tied around the Kentucky Derby and raise funds to help out a local horse in need of help! FROM OUR BLOG Have you ever felt like your insurance coverage doesn't quite fit your unique needs? Maybe you've... When it comes to selecting an insurance agency, we often find ourselves overwhelmed by the... Car accidents can be a stressful experience, especially when it comes to filing an auto insurance... LET'S GET IN TOUCH 22491 Timberlake Rd, Lynchburg, VA 24502 CALL OR TEXT US (434) 237 - 2021

https://hedgesinsurance.net/page/2/?et_blog

Welcome to AIM Insurance, your trusted family-owned and operated insurance brokerage. We have offices in Burlington, Brampton, and Dunnville, proudly serving clients throughout Ontario. We have additional presences across Canada, with locations in Calgary, Edmonton, and Moncton. We're not just another insurance provider – we're your neighbours, friends, and family. Our mission is clear: to be your broker of choice. At AIM Insurance, the power of personalized service is paramount. We know that insurance is more than just policies and premiums; it's about protecting what matters most to you. Our team is dedicated to going above and beyond to ensure you receive unmatched experience, dedication, knowledge, and service. We aim to fight for the very best coverage, claim representation, and rates, without compromising on the quality of coverage you deserve. We're an independent brokerage, and we take pride in our freedom to serve you better. Without the restrictions of corporate structures or call centres, we have the flexibility to focus on what truly matters: delivering exceptional service tailored to your unique needs. Among our various affiliations, AIM Insurance is honoured to be the exclusive insurance provider for the Canadian Motorcycle Association (CMA). This partnership allows us to offer exclusive insurance programs and benefits to CMA members, combining our passion for motorcycles with our insurance expertise. AIM Insurance proudly sponsors CSBK (Canadian Superbike Championship), supporting the exciting world of motorcycle racing. We are also the trusted insurance provider for Super Sonic Race School, an organization that fosters the growth and development of young racers. Through these partnerships, we celebrate the thrill of motorsports while ensuring the safety and protection of participants and their valuable assets. Thank you for choosing AIM Insurance. We look forward to serving you and protecting what matters most to you and your family. Dan R. Avon Top 10 Insurance Broker Under 40 for 2017 To earn our clients' trust by treating them as we would members of our own family. To arm them with the knowledge to make the best decisions possible with their insurance options for themselves, their families, their possessions, and their businesses. To ensure they receive the greatest value available from their policies. Respect for our clients and team members. Transparency in our communications. Dedication to providing unparalleled service.

https://theaim.ca/about/

Set to a vibrant fusion of electronic and world beat music, this is a beautiful, feminine show unlike any other. Two women weave illuminated patterns of fire in a breathtaking performance of dance and fire artistry. The graceful movement and the hypnotic effect of skilfully manipulating fire create an original form of dance that keeps the audience mesmerized. The Fire Weavers show is a product of years of practice and training. A high level of technical skill and artistic presentation has made them a crowd favourite both on stage and on the streets. Solo fire show Add a high caliber fire dancing performance at your event. A solo fire dancer will add excitement and make your event memorable. The solo fire show is an unforgettable 15 minute performance. Hire a solo performance to wow your guests. Fire dancing duet or trio show If your budget permits, hire two or all three of us to offer a unique performance that involves close up partner fire dancing choreography done only by a few other fire performers in the world. The fire dancing duet or trio is an unforgettable 20 minute performance. How Fire Weavers came to offer a great fire show. From 1996 to 2006 these 3 women had begun their discovery, their exploration and their development of the art of fire dancing through exchanges with other artists and through training and self exploration of this art form that was new to their part of the world. In 2002 and 2003, Sophie and Amber began to perform professionally with fire. In 2003, these two professional fire artists joined forces to create the Fire Weavers. 2004 saw the debut of the Fire Weavers show, made up of beautifully choreographed fire juggling, fire poi spinning, fire torches, and single and double fire staff spinning accompanied by a blend of world beat and electronic music. 2005 saw the introduction of fire hoop solos with both single and dual fire hoops, as well as more intricate close-up partner dancing in both the poi and fire torches routines. The dance is performed inside a circle of flaming bowls, which adds an element of drama to the performance. From 2006 to 2008, the show was taken to an even higher level each year with more advanced technical skill and artistic presentation. As seasoned performers, they continuously add new elements and refine their choreography. In 2009, Amber spend 6 months in Buenos Aires learning and training in tango dancing. During that time, Brigitte joined Sophie for new and exiting duet show bringing her hoop expertise and some new elements to the show such as a fire fan duet. 2010 saw Amber returning to Canada and the three got together combine all the best choreography in the greatest show so far, the Fire Weavers trio. The shows now include sensual fire fan choreography, some breathtaking staff manipulation, intricate poi moves and daring fire hoop choreography. The duet and trio show is always full of close-up complex tricks and stunts, but the show is much more than just technical moves. Always keeping in mind the effect they have on the audience, the show has been put together and choreographed to both mesmerize and make people react and take notice. On special occasions, the Fire Weavers have performed with live percussionists and other fire artists. Due to the illuminated nature of the show, it is most impressive seen after dusk, although we can also perform indoors under certain conditions. Book a fire show for your event! Fire Show Requirements: - Ceiling 14 feet - Indoor areas well ventilated - Stage area flat, level and clear - Solo Fire show: 15 x 20 feet - Duet Fire Show: 20 x 25 feet - Preparation area to presoak all fire equipment - Preparation time: 20 to 40 minutes Our commitment to safety: All of our equipment is made to the highest possible safety standards and is routinely inspected for quality prior to each event. We take the utmost care in the management of our equipment and fuel while on site and prior to each show. We take special care prior to each show to spin out excess fuel from our equipment and to capture this excess fuel to be reused (rather than released onto the grass, trees, or floor of your event)! We provide all of our own safety equipment including fire extinguishers and safety blankets. We carry performer liability insurance up to $2M. Our fire performance has been reviewed and approved by the fire departments of many cities. The Fire Weavers hold a 100% safety record. In many years of professional performances, and hundreds of shows, we have never had an accident. © 2003-2008 Fire Weavers. All rights reserved.

http://www.fireweavers.ca/fire_e.htm

Mooney Insurance Brokers MIB was founded in 2013 by Sean Mooney as a first-generation insurance brokerage. In the beginning, it was just a few clients with a few carriers. But today, the brokerage has relationships with over 25 highly rated carriers and provides coverage for over 500 clients in the Greater Delaware Valley. Unlike a captive, or direct insurance company who only offers their own proprietary products, our agency is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is. When it comes to something as important as insurance, it’s imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one. At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients. To offer unparalleled customer service and the most comprehensive insurance solutions. We pledge this to you, our clients and ask that you let us know if we fail to meet our commitment, so we may take corrective action. Meet Sean Mooney Would describe himself as a 4/4 Philly sports fan and a love for all things LaSalle (graduating from both the High School and College). He currently lives in the suburbs of Philadelphia with his wife and two children and enjoys summertime vacations at the Jersey Shore. Sean began his insurance career for a local retail agency in Conshohocken back in 2003 after graduating from college. After 10 years of working as a sales producer for two different firms, Sean decided that he wanted to open an independent brokerage. He had a strong belief that insurance was not a one-size-fits-all program. Different clients had very different needs, and the only way to address all of their needs was to become independent. By doing this, it allowed Sean to represent his clients as opposed to the carrier. Sean has worked hard to further his career and in 2016 earned his “CIC” – Certified Insurance Counselor designation from The National Alliance for Insurance Education & Research.

https://www.mooneybrokers.com/about/

Generali Global Corporate & Commercial and Descartes Underwriting announce a strategic partnership on parametric insurance 14 May 2020 - The partnership between the insurer and the InsurTech aims at developing new parametric insurance solutions to actively respond to an evolving risk landscape - It brings together GC&C’s technical capabilities in the corporate sector and local markets knowledge in over 160 countries with Descartes’ unmatched technological solutions MILAN, Italy – PARIS, France - Generali Global Corporate & Commercial and Descartes Underwriting announce a strategic partnership to offer parametric insurance products to respond to an evolving risk landscape. Generali’s P&C unit Global Corporate & Commercial (GC&C) enhances its offer and existing capabilities by partnering with Descartes Underwriting, an innovative InsurTech company - specialized in weather risk modelling and data-driven risk transfers - acting as a risk advisor and backed by BlackFin Capital Partners, an independent private equity firm. This collaboration represents a mutually beneficial partnership combining GC&C’s technical capabilities in the corporate sector and local markets knowledge in over 160 countries with Descartes’ unmatched technological solutions. Linked by shared values of client-centricity, innovation and trust, this alliance ultimately aims at empowering businesses to become more resilient by ensuring the provision of best-in-class insurance solutions. With an exponentially increasing number of data sources and ever-increasing data-quality, insurers have to seize the opportunity to define concrete measures to close the growing protection gap, e.g. by pursuing new ways to insure their customers’ exposures. Parametric insurance is an emerging solution that pushes the boundaries of traditional insurance and demonstrates promising growth potential. By leveraging new technologies, such as image recognition and machine learning, combined with new generations of data sources coming from satellites, weather stations or IoT, new parametric insurance solutions can provide transparency as well as smoother and faster claims management. Generali Global Corporate & Commercial and Descartes Underwriting decided to proactively respond to the current scenario where claim assessments are directly contingent on COVID-19 pandemic travel bans, which make site-visits extremely challenging in times when the insured need swift pay-outs the most. With parametric insurance the case is fundamentally different because digital and remote claim assessment are at the core of this solution, enabling claims detection and payouts to continue as usual, uninterrupted and fully operational. Even in the face of a global pandemic and major travel restrictions, the applied technologies can conduct their services at full capacity. Marco Sesana, Country Manager & CEO of Generali Italia and Global Business Lines said: "This partnership moves our strategic plan forward in being a Lifetime Partner to our clients. Parametric products represent one of the identified entrepreneurial initiatives to foster growth within Generali Group’s 2021 strategy. Combining our skills with Descartes we will develop insurance solutions with innovative and technologically advanced services. We want to offer a high quality, customised experience to our corporate customers in Global Corporate & Commercial”. “We are delighted to join forces with Descartes” said Manlio Lostuzzi, Global Corporate & Commercial CEO. “This synergy definitely augments the range and quality of solutions we can offer, allowing us to better serve our corporate and commercial clients all over the globe. At GC&C the challenges of our clients are our business, and even in an uneasy period like this we want to continue offering concrete answers to protect and serve them at the best.” Tanguy Touffut, Descartes Underwriting CEO declared “We are proud to partner with Generali Global Corporate & Commercial, one of the global insurance leaders focused on medium to large companies. Together, we aim to offer unmatched value propositions for brokers and corporate clients through a unique combination of new technologies, cutting-edge technical expertise and local market understanding. This collaboration further boosts Descartes’ growth, secures underwriting capacity and enlarges our geographical reach” Target segments include, but are not limited to Agriculture and Food industry, Energy and renewables, Telecommunication and Utilities.

https://www.generaliglobalcorporate.com/media/press-releases/all/2020/Generali-Global-Corporate-and-Commercial-and-Descartes-Underwriting-announce-a-strategic-partnership-on-parametric-insurance.html

US insurance group Travelers said on Wednesday it had been granted a licence by the Central Bank to set up a new hub in Dublin. The operation will provide uninterrupted service to customers and broking partners in the Republic and across Europe after Brexit. The company first announced in late 2017 that it had picked Dublin as its post-Brexit EU hub. "During the Brexit negotiations, our priority has been to ensure that we are positioned to continue meeting the needs of our policy holders who have assets and business across Europe," said Matthew Wilson, chief executive of Travelers Europe. "The authorisation of our subsidiary means it will be business as usual for our customer and brokers." Travelers Europe has had a presence in the Irish general insurance market for more than two decades and will use its existing branch resources for the new subsidiary, called Travelers Insurance DAC, which will be led by chief executive James Liston, the company said. A Travelers spokeswoman didn’t immediately respond to questions on the number of company employees currently in Dublin and whether this will expand under the plan. It will start writing new business at the end of March, when the UK is scheduled to quit the EU. The group’s significant UK-based operations, comprising its general insurance business, Travelers Insurance Company Ltd, and its Lloyd’s syndicate, will continue to operate under existing UK licences. A number of other insurers, including XL Insurance, Beazley, Hiscox, Bupa and Royal London Insurance, have either outlined or already implemented plans to set up centres here to retain access to the single market as a result of the UK leaving the European Union.

https://www.irishtimes.com/business/financial-services/brexit-us-insurer-travelers-gets-licence-to-set-up-in-dublin-1.3775800

5 Best Insurance Brokers in Louisville, KY Below is a list of the top and leading insurance brokers in Louisville. To help you find the best insurance brokers near you in Louisville, we’ve put together our own list based on this list of valuation points. Louisville’s Best Insurance Brokers: The top rated insurance brokers in Louisville, KY are: - Aspen Ridge Assurance, LLC – a family business founded on family values - Hyland Insurance – proud to have won awards for their continued dedication - Lincoln Insurance Agency – is a third generation family business - Local Choice Insurance – offers comprehensive insurance products - Brandt Davis Insurance – serving Louisville, KY since 2013 Aspen Ridge Assurance, LLC Aspen Ridge Assurance, LLC CEO and Founder Joel Peterson was a captive insurance agent for ten years. It is a family business founded on family values. They are excited to not only win your business the first time, but also provide exceptional service for you to want to stay. Unlike a captive or direct insurance company which only offers its own products, its agency is 100% independent of any business. Many insurance customers don’t fully understand how important this really is. Aspen Ridge Insurance, LLC appreciates the opportunity to assist you and looks forward to meeting your insurance needs. Personal Insurance, Commercial Insurance Address: 9850 Von Allmen Ct Ste 201, Louisville, KY 40241 Call: (502) 233-2272 âI worked with Joel Peterson and it’s a pleasure to work with him! Fast response time, super efficient and working with all my needs and requests! Go above and beyond for its customers! 10/10 recommend! â – Brianna B. Hyland Insurance is proud to serve clients in Jefferson County, Kentucky and Southern Indiana. Their commitment to maintaining the highest standards of excellence is reflected in their track record of customer service and building customer-centric relationships. They are proud to have won awards because of their continued dedication not only to serving their clients, but also being involved in the communities they serve. For nearly four decades in business, service to their community has always played a major role in the way they operate as an agency. Hyland Insurance is honored to educate local charities, nonprofits and the organizations they support through ongoing volunteerism. Personal, Company, Benefits, Elderly Care, Financial Planning Address: 9750 Ormsby Station Road, Louisville, KY 40223 Call: (502) 637-4733 âI received a detailed explanation of the insurance products I needed and most importantly a lot. I never had to handle voicemail. I always had a quick response which solved my problem. I absolutely recommend Hyland Insurance to the people who are dear to me. I know they will be well served. -Mike L. Lincoln Insurance Agency Lincoln Insurance Agency is a third generation family business located in the St. Matthews area. Although their physical location is in the Louisville area; they serve the states of Indiana, Kentucky and Tennessee. The owner, Mark Aschbacher, has served the Louisville community since 1958. It was established in 1958 and was quickly purchased by his father, Kenneth Aschbacher, in 1961. Mark has over 30 years of experience and was licensed insurance advisor for over 20 years. Auto Insurance, Business Insurance, Home Insurance, Event Insurance Motorcycle Insurance, Animal Insurance Address: 214 Breckenridge Ln UNIT 101, Louisville, KY 40207 Call: (502) 897-3300 âI love this company! This was my first time buying auto insurance and Sara made sure I got all the discounts I was entitled to and also made sure she understood how things worked. They are also very friendly, which is very important to me! I felt very comfortable going with Lincoln Insurance Agency, I would recommend 10/10. â – Sydney T. Local Choice Insurance Local Choice Insurance offers a full line of insurance products for families, individuals and businesses. As an independent, multi-sector insurance agency, it represents many of the top rated insurance companies. They carefully consider each client’s situation and tailor an appropriate insurance plan to precisely meet those needs. They offer competitive prices and great service for a variety of covers. Above all else, they value their customers and have the experience to deliver a great experience for value hard to beat. Personal Insurance, Business Insurance, Life Insurance, Elderly Care Insurance Address: 13117 Eastpoint Park Blvd d, Louisville, KY 40223 Call: (502) 907-2399 âAndrew and his team are exceptional. They helped me find the right coverage for my business while providing a personalized experience. I shopped and they were knowledgeable, had the best value for money, and had awesome communication throughout the process. It sounds cheesy, but I really felt like I was family because of their willingness to help. Good job guys! I like you. “- Tim H. Brandt Davis Insurance Brandt Davis Insurance Serving Louisville, KY since 2013, but their agents have decades of combined experience. As an independent insurance agency, they are able to shop for many of the best insurance companies at once, which means you’ll save hours looking for quotes or wondering if you’re overpaying. Other insurance companies and agents are forced to sell insurance services for a single company. They believe in looking at all the choices to see what makes the most sense for you and help you save money. Auto Insurance, Home Insurance, Health Insurance, Life Insurance, Business Insurance Address: 2821 S Hurstbourne Pkwy STE 5, Louisville, KY 40220 Call: (502) 499-6567 âBrandt and his team took great care of us! They personalized a plan for us quickly and cheaply! They took the time to answer my questions and explain the covers to me. Every time I called they were very respectful and friendly. I really feel like they went the extra mile to provide us with great service! I highly recommend them! â – Joe K. Shera Elliott graduated from New Mexico State University with a major in Biology and a minor in Biological Foundations of Behavior and Health Care Management. Shera grew up in Los Angeles, but moved to Las Cruces for college. Shera has written for several major publications, including the Albuquerque Journal and NPR. Shera is a community journalist and also covers stories important to all Americans.

https://hsmcohio.com/5-best-insurance-brokers-in-louisville-ky/

Stephanie Charlin is a Partner with Kabateck LLP with an expertise in personal injury, products liability, mass torts, wrongful death, property and casualty insurance claims, and insurance bad faith. Ms. Charlin is a tenacious advocate who has recovered over $100 million dollars for her clients. When she’s not representing policyholders in insurance disputes, she’s representing injured clients wronged by tortfeasors. Ms. Charlin also currently leads and manages the firm’s Woolsey Fire mass tort litigation and represents wildfire victims across the state. Ms. Charlin graduated from Loyola Law School of Los Angeles in 2017 where she was a recipient of the Alumni Scholarship Award and the Byrne Trial Advocacy scholarship. During law school, Ms. Charlin was a member of the nationally ranked Byrne Trial Advocacy Team where she received extensive training in trial experience, participating in regional and national mock trial competitions across the United States. Ms. Charlin was also an editor of the Loyola of Los Angeles Law Review. Ms. Charlin was the Vice President and member of Loyola’s Consumer Law Society. Prior to law school, Ms. Charlin graduated cum laude with honors in legal studies with bachelor’s degrees in Psychology and Legal Studies from the University of California, Santa Cruz.

https://dordicktrialcollege.com/speaker/stephanie-charlin/