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Berlin-based ELEMENT, an insurtech startup that offers custom-made, white-label product solutions for digital insurance, announced on Friday that it has raised €21.4M in a Series B round of funding. The company’s total funding now amounts to €88M. The investment was led by the Versorgungswerk Zahnärztekammer Berlin (VZB). Alma Mundi, Witan Group and Ilavska Vuillermoz Capital also participated in this round. ELEMENT says that it will use the funds to expand its market position and integrate new product categories into its portfolio. CEO of ELEMENT, Dr Christian Macht, says, “Most importantly, we will continue to pursue our long-term goal of eliminating billions of dollars in unnecessary costs in the European insurance market.” “Shaping the future of insurance” Founded in 2017, ELEMENT is a cloud-based insurtech startup that holds a licence from the German Federal Financial Supervisory Authority (BaFin) as a direct insurer for non-life insurance. With its vision for digital insurance solutions, ELEMENT claims to have helped establish a new industry standard for product innovation and partnerships in the insurance marketplace. The startup says that it is the only cloud-based digital insurance provider in the European market with the ability to provide P&C solutions for the whole B2B2X insurance value chain, including claims processing. It does this by combining the best of both worlds – technology and insurance. The startup claims that it can act as a risk carrier in all EU countries, and is a completely independent insurance company – without restrictions of any group affiliation. With its proprietary modular tech platform, ELEMENT specialises in providing custom-made white-label solutions to partners across all industries. Growth and development The recent financing highlights the Berlin-based insurtech’s ongoing expansion. Sales increased by more than 50 per cent over the prior year to reach €10.4M last year. Additionally, the company surpassed the 200,000 client threshold and more than 50 partners distribute ELEMENT products, including three DAX 40 companies. With its partners and 140 workers, the firm is working to strengthen its position as a top supplier of quick, effective, and dependable end-to-end insurance solutions across Europe. ELEMENT’s offerings include Cloud Failure Insurance, Real Estate Purchase Guarantee, and All-Risk Cover. The company says that loss ratios considerably lower than the industry average confirm the cost advantage. “It is this profitability on every product and partner level that will prove critical in the years ahead. Year after year, we are seeing a 66 per cent increase in revenue and are well on our way to achieving our goal of 100 per cent growth by 2022,” says Dr Christian Macht, CEO of ELEMENT.

https://siliconcanals.com/crowdfunding/element-raises-21-4m/

Swindon based commercial broker Sullivan Garrett to join BNIB Broker Network has announced the acquisition of commercial insurance brokers Sullivan Garrett Ltd. Swindon-based Sullivan Garrett has been a Member of Broker Network since June 2000. The Company is being purchased in line with the Group’s proven acquisition strategy. Sullivan Garrett will join Broker Network Insurance Brokers, the Group’s UK wide retail operation. The Company will retain its brand identity, premises and staff and will continue to benefit from market leading business and insurer services, which provide access to improved terms and commissions in conjunction with the UK’s biggest insurers. Malcolm Garrett, Director of Sullivan Garrett said: “Membership of Broker Network has lead us to believe that the Group is a trustworthy and well suited acquirer of our business. We strongly believe that Sullivan Garret will continue to flourish under the BNIB brand, with access to competitive insurer terms and day to day business support.” Also commenting on the acquisition, Nigel Law, Managing Director of BNIB said: “AS BNIB continues to grow, we are of course delighted to be welcoming Sullivan Garrett to the Group, and look forward to quickly and efficiently integrating the Company into our thriving operation.” Grant Ellis, Chief Executive of Broker Network Group, added: “We are pleased to see that our acquisition model remains both valid and robust, within an industry which is dominated by consolidation and change.has been a Member of Broker Network since June 2000. The Company is being purchased in line with the Group’s proven acquisition strategy.

https://www.insurancetimes.co.uk/broker-network-makes-20th-acquisition/1365391.article

Advised Nadavon Capital Partners on its Sale of Accume Partners to Cherry Bekaert Capstone Partners (IMAP USA) advised Nadavon Capital Partners on its sale of Accume Partners—a leading risk, regulatory and cybersecurity advisory firm—to Cherry Bekaert. Accume Partners provides integrated cybersecurity, risk, and compliance advisory services to highly regulated industries. In 1994, the firm began providing internal audit, regulatory compliance, and risk management services to financial institutions, and has since expanded to include specialized cybersecurity and technology compliance advisory across a number of highly regulated industries. The company’s services also include information technology internal auditing, regulatory compliance, quality assurance review, and enterprise risk management. Cherry Bekaert—ranked among the largest assurance, tax, and advisory firms in the U.S.—serves clients across industries in all 50 U.S. states and internationally. The brand includes both Cherry Bekaert LLP and Cherry Bekaert Advisory LLC. Services span the areas of transaction advisory, risk and accounting advisory, digital solutions, cybersecurity, tax, benefits consulting, and wealth management. The brand services a wide variety of industries including government contractors, healthcare and life sciences, industrial manufacturing, non-profits, professional services, and technology.

https://www.imap.com/en/transactions/advised-nadavon-capital-partners-on-its-sale-of-accume-partners-to-cherry-bekaert~t

Consider our protagonist, John, seeking to safeguard his home with a new insurance policy. A dazzling array of choices unfolds before him, each one unique in its terms, coverage, and costs. Historically, John would have to embark on a grueling act of manually comparing these options—a performance that can be both lengthy and perplexing. But what if there existed an AI director who could choreograph an entire Broadway-style production of automatic insurance plan comparisons? Enter stage right: Fonor, the AI-driven email bot, set to redefine the theater of insurance plan selection. Fonor: The Director of Insurance Plan Comparisons Fonor, the AI-powered email bot, has perfected the intricate dance routine of comparing insurance plans. John simply needs to send an email outlining his needs and the policies he's eyeing, and Fonor steals the spotlight. With the deftness of an experienced director, Fonor choreographs a thorough comparison, critically assessing each policy's benefits, costs, and coverage. Fonor ensures John receives a detailed critique of his chosen policies, making the usually intimidating performance of comparing insurance plans into a simple and effective show. Hitting All the Right Compliance Notes "But how does Fonor maintain compliance?" you might query. Rest assured, Fonor is a prodigy at hitting every high note in compliance. It reviews each comparison against compliance documents, customer service guidelines, and industry standards, making certain every analysis is a flawless composition in accordance with regulatory standards. Beyond the Footlights of Plan Comparisons The score of Fonor's skills extends beyond just plan comparisons. It can also choreograph performances like policy renewals, claim submissions, coverage inquiries, and even dispute resolutions, directing a seamless and streamlined insurance experience. A Sneak Peek into the Future Picture a future where comparing insurance plans is as simple as penning an email. A future where AI bots like Fonor take center stage, providing detailed, personalized comparisons designed specifically for your unique needs. This vision does come with its set of stage challenges, such as preserving data privacy and ensuring accuracy in an automated world. But with the right ensemble of technology and human supervision, these challenges can be successfully managed. Fonor is taking the lead role in this transformation, directing a future where efficiency, accuracy, and customer service harmonize into a grand Broadway spectacle. Now that's a show we can all eagerly anticipate! How have your past experiences with comparing insurance plans been? Do you believe an AI tool like Fonor could make the process simpler? What other insurance tasks would you like to see automated and why? How would you balance the benefits of AI automation with the potential challenges of data privacy and accuracy? A study by JD Power reveals that "74% of insurance customers would switch insurers for more customized service". Automation with personalization, like Fonor, can address this need. Link to the study According to a study by Accenture, "83% of insurance executives believe that AI is transforming the way they gain information from and interact with customers". This supports the increasing role of AI bots like Fonor in the insurance industry. Link to the study

https://www.fonor.ai/article/curtain-up-on-insurance-plan-comparisons-fonors-broadway-extravaganza

Envelop Danger launches new cyber insurance coverage SPA | Insurance coverage Enterprise America Envelop Danger launches new cyber insurance coverage SPA What are the implications of the brand new SPA? Knowledge-driven cyber re/insurance coverage and analytics specialist Envelop Danger has launched Envelop SPA 1925, a specialised cyber reinsurance Particular Objective Association (SPA) at Lloyd’s, in collaboration with Apollo by means of its Strategic Associate Syndicates enterprise and Apollo Syndicate 1971. This strategic transfer, led by lively underwriter Chris Baddeley based mostly in London, started on January 1, 2024. Based on a Press launch, Envelop SPA 1925 is a key achievement, marking assist for Envelop’s second underwriting platform. It serves as a stepping stone in direction of Envelop’s objective of building a stand-alone syndicate, topic to the rigorous Lloyd’s software course of. In 2023, Envelop performed a vital position within the allocation and underwriting of cyber reinsurance capability inside Apollo Syndicate 1971. The Press launch mentioned the success of this endeavor led to its transformation into an SPA, garnering approval for development from Lloyd’s. Working in tandem with Envelop’s well-established operations in Bermuda, it’s supported by threat capital from Envelop in addition to a various panel of third-party traders, the Press launch mentioned. “I’m delighted to announce the launch of Envelop SPA 1925, which considerably strengthens our skill to assist the expansion and resilience of the worldwide cyber insurance coverage market,” mentioned Jonathan Spry, CEO of Envelop Danger. “It furthers our ambition of not solely being one of the best at underwriting cyber threat, however at main the market within the administration of threat capital for cyber.” Andrew Grey, director of Strategic Associate Syndicates at Apollo, shared his enthusiasm, saying: “We’re delighted to have been capable of assist Envelop obtain the subsequent milestone in its Lloyd’s technique. Apollo’s skill to incubate new merchandise inside certainly one of our present managed syndicates, after which assist the evolution right into a SPA, demonstrates our distinctive partnership strategy to establishing modern new companies at Lloyd’s.” Apollo, by means of its Strategic Associate Syndicates, presents bespoke managing company companies to 3rd occasion companions. Howden Tiger acted as adviser on the transaction. Have any ideas about this new program? Go away a remark under. Sustain with the most recent information and occasions Be part of our mailing record, it’s free!

https://www.sr22insurancenews.com/envelop-danger-launches-new-cyber-insurance-coverage-spa-3/

AXA joined GEM at the end of last year as a sponsor to collaborate on enhancing loss modelling efforts for seismic events through sharing of hazard and risk data, engineering expertise, and technology to proactively mitigate property loss. AXA is the property and casualty, and specialty risk division of AXA offering a complete range of insurance and reinsurance products to enterprises of every kind and size in over 200 countries and territories. AXA’s goal is to make communities better prepared for natural hazards, such as earthquakes. The partnership with GEM is expected to help AXA achieve their goal further, especially at a time when increasing intensity of natural disasters has made managing exposures more challenging than ever. GEM’s team of scientists and engineers will work with AXA on advancing more sophisticated technology and data analysis tools that can help risk managers more proactively assess and mitigate their exposures. “GEM and AXA share a common approach in reducing risk such as data transparency and teamwork that we believe are significant factors in mitigating and managing risks worldwide. We are happy to team up with AXA and we look forward to fruitful collaboration in the years ahead,” John Schneider, Secretary General, GEM Foundation. Ultimately, providing companies with critical data enables a more proactive approach to resilience, which reduces the potential severity of future losses, and helps risk managers to make better business decisions on how to improve their risks. For more information about AXA, visit No images found.

https://www.globalquakemodel.org/GEMNews/gem-axa-xl-partnership

Insurtech Startup Fi Life Introduces New 20 Year Level Term Life Insurance Policyby Fintech News Malaysia November 21, 2019 0 comments Fi Life announced today that it has added a new 20-year level term life insurance policy to its current suite of life insurance policies. This level term policy is underwritten by Tokio Marine Life Insurance Malaysia Bhd. The company said that the level term policy complements Fi Life’s existing yearly renewable term life policy, which has been offered to Malaysians since 2015. The main difference between a 20-year level term policy and a yearly renewable term policy is that premiums for the level term policy are fixed and guaranteed for the next 20 years. With a yearly renewable policy, premiums increase slightly every year with the policy-holder’s age. Premiums for level term policies are usually more expensive in the beginning as compared to yearly renewable term policies. However, policy holders do not have to worry about higher premiums as they get older, as the level terms premiums are fixed for the 20-year duration of the policy. The introduction of this new product allows users to purchase policies based on whether they prefer to pay less at the beginning and renew at a slightly higher rate each year or if they prefer a fixed premium for the next 20 years. Fi Life and Tokio Marine Life Insurance Malaysia Bhd co-developed the 20-year level term policy when many of Fi Life’s existing and prospective customers expressed a preference for the certainty of fixed insurance premiums over the duration of their life insurance policy. At Fi Life’s website www.fi.life, after entering some basic details, prospective customers will receive two instantaneous premium quotes side-by-side, one for the level term policy, the other for the yearly renewable term policy. The prospective customer can then compare and select the policy that suits their preference. Like the yearly renewable term policy, prospective customers can add a critical illness add-on to their level term policy. To promote Fi Life’s new level term policy, Fi has issued a new rebate code LEVELNOW which will entitle purchasers of Fi Life policies to receive a 20% rebate on the first year’s premium. This rebate code is available immediately and is valid from 21st November to 5th December 2019.

https://fintechnews.my/21957/insurtech-malaysia/insurtech-startup-fi-life-introduces-new-20-year-level-term-life-insurance-policy/

Commercial Lines Producer Commercial Lines Producer Location: Boca Raton, FL Our client is a rapidly growing insurance agency with 15 years in the business primarily focused on homeowners insurance. As part of their expansion strategy, they are launching a new division focused on Commercial Insurance, and are seeking a talented and motivated Commercial Lines Producer to lead this initiative. As the first person on the Commercial Insurance team, you will play a pivotal role in building and shaping the division from the ground up. The Commercial Lines Producer will be responsible for establishing and expanding their presence in the commercial insurance market, fostering relationships with clients, and driving revenue growth. - Develop and execute a comprehensive strategy to establish and grow the Commercial Insurance division. - Identify and target potential clients, understanding their insurance needs and providing tailored solutions. - Build and nurture strong relationships with clients, insurers, and key stakeholders to ensure long-term partnerships. - Collaborate with internal teams to customize insurance products, ensuring they meet the unique requirements of commercial clients. - Stay updated on industry trends, market conditions, and regulatory changes to inform strategic decision-making. - Achieve and exceed sales targets, contributing to the overall success of the Commercial Insurance division. - Proven track record in commercial insurance sales, with a MINIMUM of 3-5 years of experience. - Strong understanding of commercial insurance products, underwriting processes, and risk management. - Excellent communication and negotiation skills, with the ability to articulate complex concepts to clients and internal teams. - Self-motivated and results-driven, with a passion for building and growing successful teams. - Relevant industry certifications are a plus. What We Offer: - Competitive salary and commission structure. - Comprehensive benefits package, including health insurance and retirement plans. - Opportunities for career advancement and professional development. - A supportive and collaborative work environment with a focus on innovation. How to Apply: If you are ready to take on the challenge of building a new division in the commercial insurance space and have the skills to drive success, we want to hear from you. Please submit your resume outlining your relevant experience to [email protected] Apply for Commercial Lines Producer Already uploaded your resume? Sign in to apply instantly

https://www.greatinsurancerecruiters.com/job/6815194/commercial-lines-producer/

Meet Our Team Myron O. Larson Myron began his career in 1971 and became the founder/owner of Larson Insurance Agency in 1983. He has been a member of the National Board of Directors of the Independent Insurance Agents & Brokers of America. Myron was also honored by his peers as "Minnesota Agent of the Year". Julie Lenarz, CIC With more than 40 plus years of experience in the insurance industry, Julie handles all lines of insurance, including the agency’s bonding and flood insurance. She joined the agency in 1984 and received her Certified Insurance Counselor degree in 1992. Cami Schwantz, CISR With 25 plus years of insurance experience, primarily in commercial lines, Cami joined our agency in 2002. She earned her CISR designation in 1999, and has a B.A. degree from University of Minnesota - Duluth. After working as a company underwriter, Jamie came to our agency in 1997. He is a graduate of Minnesota State University - Moorhead, with a B.S. Degree in Marketing. Jamie manages our Fergus Falls office. He served as president and was a board member for Minnesota Independent Insurance Agents & Brokers for many years. Jillian joined our agency in 2006 and is a graduate of the Legal Secretary program at Alexandria Technical College. She focuses on home and auto insurance. Call Jillian for a home and auto quote. A graduate of the Professional Sales program from Alexandria Technical College, Mickey joined Larson Insurance after several years of working with builders and contractors. Mickey has served as president, and is still active, in both Alexandria Lakes Area and Sertoma of Alexandria Chambers of Commerce. Tracey joined the agency in 1988 and has expertise in property and casualty, as well as, group and individual health insurance. She earned her Certified Insurance Counselor designation in 1997. Specializing in personal lines, Missy joined Larson Insurance over 15 years ago. She holds degrees from Alexandria Technical College in Finance & Credit and Administrative Assistant. Missy also had years of experience in life and health Insurance prior to joining the agency.

https://www.larsoninsurance.com/staff

Chubb is the world’s largest publicly traded property and casualty insurance company and the leading commercial lines insurer. Chubb Limited, an American company incorporated in Switzerland, and a global provider of insurance products covering P&C, accident and health, reinsurance, and life insurance. Chubb Insurance serves multinational corporations, mid-size companies and small businesses with property and casualty insurance and risk engineering services. Chubb also specialises in serving affluent and high net worth individuals with substantial assets to protect, covers can include life insurance, personal accident, homeowners, car and specialty personal coverage. Working in partnership with brokers, Chubb can deliver bespoke solutions across the risk spectrum. As tireless innovators they relish unusual or complex demands. From outstanding service to claims handling capabilities, Chubb have received industry recognition and numerous awards over the years for its products and services. Chubb is strongly committed to treating its customers fairly and highest standards of customer service with customers and broking partners. Chubb traces its history to 1792, when investors met at Independence Hall in Philadelphia to organize the Insurance Company of North America (INA), the first stock insurance company in the United States. ACE Limited was established in 1985 in response to the U.S. liability insurance crisis of the mid-1980s. It was funded by a group of 34 U.S. companies seeking difficult-to-obtain Excess Liability and Directors and Officers (D&O) insurance coverage. The company took its present form in 2016 when ACE Limited acquired the Chubb Corporation, creating the world’s largest publicly traded property and casualty insurance company. Now operating under the renowned Chubb name, both companies brought with them a rich history as leaders and innovators in the industry. Chubb has more than $200 billion in assets and reported $46.8 billion of gross premiums written in 2021. Chubb’s core operating insurance companies maintain financial strength ratings of AA from Standard & Poor’s and A++ from A.M. Best. Protecting your business means staying one step ahead, and helping you prevent problems before they happen. Chubb start with understanding how your business operates and where you're headed. Contractors, property developers and principals will all benefit from contract works insurance, which provides both single risk project cover and annual polices. Under the MasterPackage policy Chubb insure a broad spectrum of mid-market commercial businesses with turnovers ranging from £2 million to £500 million. Companies today have to operate within a growing array of complex laws, rules and regulations, which increase the possibility of loss and consequent litigation. Every industry can be affected by suits against the company, management and employees. Chubb has more than 30 years’ experience underwriting the exposures faced by executives in the UK. They offer market-leading protection for companies and senior management provided by our experienced team of underwriters. They also have dedicated claims professionals always on hand to provide help when it’s needed. Chubb's global technology offering is custom-built for technology providers and our market-leading cover protects a business against the risks and threats of this fast-moving industry. Their MasterPackage for Technology Companies is a comprehensive first and third-party policy that caters for the unique insurance needs of companies in this evolving and exciting sector. With over 70 years’ experience providing insurance solutions in this sector, Chubb’s dedicated technology team is one of the largest and most knowledgeable in the market. Chubb is a recognised leader and one of the largest providers of financial institutions insurance in the UK, London and Lloyd’s markets. They can can offer a tailored product designed to provide broad cover for first party crime exposures facing businesses operating in the regulated financial sector. With a heritage of insuring financial institutions including asset management firms and funds, banks and other lending institutions and insurance companies, Chubb offers a broad spectrum of quality and tailored business insurance solutions and services. Chubb offer protection against a financial loss caused by the criminal or fraudulent taking, obtaining or appropriation of money, securities or property by an employee or third party. They also provide cover for social engineering fraud; fraud committed by deception or impersonation. As a leading crime insurer, Chubb can provide broad protection for businesses. Their insurance protects your business as well as your clients, if you’re legally liable for their money, securities or property. Chubb offer property damage and business interruption insurance for a wide range of industries. Competitive solutions to protect assets and business interruption following damage by fire, named perils, accidental damage or natural catastrophe. Chubb's property owners insurance can be tailored to include the following sections: property damage, money, goods in transit, accidental damage, terrorism, machinery and computer breakdown and other bespoke solutions depending on client needs. Unfortunately, being a charitable organisation and the good endeavours your company undertakes doesn't remove your legal liabilities to employees, volunteers, trustees and third parties. And it is still vitally important to insure your assets that could be destroyed or stolen. Non-profits, voluntary organisations, community groups and religious organisations can all benefit from purchasing appropriate Chubb's charity insurance to protect and guard against financial exposures which could damage the future of the enterprise.

https://getindemnity.co.uk/company-providers/chubb-insurance

Along with protecting journey cancellations, medical emergencies, and misplaced or stolen baggage, TravelJoy additionally affords telehealth providers which permits policyholders to seek the advice of medical professionals by way of digital appointments irrespective of the place they’re on this planet. Policyholders will have the ability to get prognosis for minor illnesses and get prescription refills by way of the telehealth providers. Clients should buy TravelJoy immediately by way of Klook’s platform when making journey preparations. Chuan Sheng (C.S.) Soong, CEO of Klook Insurance coverage stated, “We’ve at all times believed that our clients’ journey experiences needs to be seamless and hassle-free. We’re excited to associate with Zurich Singapore to launch TravelJoy, bringing complete protection and peace of thoughts for our Singaporean clients. Journey insurance coverage is a non-negotiable put up pandemic, and this partnership is a testomony of how we proceed to push boundaries and guarantee our clients are protected throughout their travels.” This collaboration additionally marks Zurich Singapore’s entry into digital retail partnerships, following the launch of Zurich Edge, a proposition that mixes deep insurance coverage experience with digital innovation to ship distinctive embedded options in safety. Reginald Peacock, CEO of Zurich Singapore stated, “Amplifying our digital presence within the retail sector by establishing extra embedded insurance coverage partnerships, is a key a part of our strategic agenda, as companies and clients search for extra seamless, tailor-made and related choices within the insurance coverage area to interact with. Via this partnership, we’re dedicated to delivering seamless, reliable journey protection with distinctive service to Klook’s clients.”

https://bitcoinlovers.tech/klook-ties-up-with-zurich-singapore-to-add-telehealth-companies-to-journey-insurance-coverage/

Unimutual welcomes Tobias Pfau, Manager Underwriting and Reinsurance, to the teamApril 14, 2021 Member Matters Issue #2, 2021May 7, 2021 Unimutual is pleased to announce that Peter Klemt has joined the team from 3 May as Manager Broking Services and Strategy. Peter brings over 30 years of experience in the insurance industry. He will work closely with Members and their brokers to ensure that we continue to serve them to a high standard. Peter will also be responsible for developing Unimutual’s strategy giving specific consideration to the evolving nature of the higher education sector and the changing needs of Members. Both of these areas of responsibility are critical to Unimutual delivering value to individual institutions, their brokers and the sector. Acting CEO Terry Ibbotson said “We are delighted to continue to strengthen the Unimutual team with the addition of Peter. His extensive experience in insurance, the broker market, and his customer centric approach will further enhance the team and will enable the development of stronger Member and broker relationships. We want to make sure we put our Members’ and their brokers’ needs first and by bringing Peter onboard this strengthens our capabilities to do this on both strategic and tactical levels”. Prior to Unimutual, Peter held senior executive roles across distribution, marketing, product management and strategy within the insurance industry, having spent much of his career with QBE and Lumley. Peter is a Fellow and CIP – General Insurance with ANZIIF and has a Bachelor of Business from UTS. You can follow our progress on our Roadmap Updates page, where we will keep you updated on any news relating to the Roadmap projects.

https://unimutual.com/unimutual-welcomes-peter-klemt/

‘London Victoria Insurance’ Background Review London Victoria Insurance get broker help and advice Victoria House London was built by the Insurers in the 1920’s in Bloomsbury Square, as their impressive neoclassical new London and Victoria post era main head offices. Today, this grand original Neoclassical Grade II-listed building is now also home to the impressive Bloomsbury Ballroom art deco space. Although Liverpool Victoria was founded 1843 as a burial society in Liverpool, the Insurers wished to expand their business enterprise down south into the London capital in the early 1900’s. The London Victoria Insurance House is not to be confused with the London Victoria station building, which was named after the nearby Victoria Street and built just a few miles away back in the mid 1800’s. In 1996 Liverpool Victoria moved their head offices further south again into the Bournemouth area, having then bought Frizzell Insurance. At that stage, they rebranded to just LV= and become one of the UK’s biggest Friendly Societies & Insurers. In 2020, Allianz took over Liverpool Victoria general insurance. By summer 2020, LV Liverpool Victoria insurance were then re-assessing again by putting themselves up for sale and de-registering as a friendly society. So was the ‘London & Victoria Insurance‘ new mutual brand name or ‘Royal Victoria Insurance’ a possibility? Royal Victoria Insurance? Royal London had then offered to enter into discussions with LV= on a potential mutual merger. If the merger went ahead, it could result in a new brand name mutual for the 2020’s. In the meantime, both Insurers stated that any ongoing discussions will have no impact on day-to-day business, clarifying that there is no certainty that any talks would result in a transaction deal. Financial Advisers had also argued that a deal with Royal London would create less consumer choice and so fewer mutuals? This saga continues… Bain Capital = LV = Insurance 2021 Saga Before the end of 2021, LV= management had agreed instead to sell their business to Bain Capital, ahead of Royal London and subject to members approval. However, this contentious deal for $530 million fell through. The well publicised sale of LV Insurance to Bain Capital seems to have been controversial from the start, drawing both criticism from various politicians & public. The Bain Capital takeover would have meant that LV= would also lose its long standing mutual status, with members given only £100 each as part of this transaction. Many LV= members were still very unhappy over their potential demutualisation plus the small size of payouts on offer from this deal. As such, this offer did not get enough support from LV= members for this particular transaction story and so this sorry saga seemed to end there. “LV= should not run from the arms of Bain straight into those of Royal London, without standing back and deciding what its options are,” an LV= policyholder told the Sunday Times. To date, this situation re Royal London seems to be the case as LV= have turned down any possible merger or takeover. So it’s a no to London and Victoria Insurance, for now. Does the LV= Saga show mutuals need their own Takeover Panel ? This is the point argued by the Guardian newspaper. They argue the dissatisfaction around the proposed LV= failed deal with Bain Capital will be harder to shift. As any negotiations with fellow mutual Royal London may possibly ensue, their reporters state the muddle arises because the rules around transactions involving UK mutuals lack a basic level of accountability to the owners ie; their members. *Would a London and Victoria Insurance merger affect my Policy? If any discussions ever become successful to form say a new style London Victoria insurance company, then any existing policies will be then administered by a new single named company brand. Often, a specialist division is setup to administer this process, with a separate London Victoria insurance phone number & customer services. This is usual practise in insurance mergers or takeovers but then both would also need to confirm none of their terms of their individual policies will change. Should this merger ever happen in the 2020’s, both companies operate in similar protection areas. The 2 Insurers brands cover both personal & business underwritten insurance protection. However, the question would be, would they continue to operate as 2 seperate protection brands, or a new brand like London & Victoria Insurance or Royal Victoria Insurance to emerge? Conclusion re London & Victoria Insurance Company Both Life Insurers over the years have acquired other insurers, that were once well established brand names. But what happened then re any proposed London Victoria Insurance contact number of old brands? However, despite any promises perhaps made at the time to keep these once iconic company names going, some of these old brands just sadly and slowly disappeared. At this current time, both Insurers state you will still deal with Royal London and LV= Liverpool Victoria insurance separately should anything ever happen. As such, the potential R London and Victoria Insurance story or this ongoing saga in the 2020’s possibly continues… Article on London & Victoria Insurance Reviews by Martyn Spencer Financial Adviser Updated (2024)

https://uklifeinsurancequotes.co.uk/life-insurers-uk/lv-life-insurance-review/london-victoria-insurance/

ProCore - Aclaimant Partnership Overview The ProCore Integration with Aclaimant allows for information from ProCore's Construction Operating System to seamlessly flow into the Aclaimant system. Take risk management to the next level by connecting ProCore's Construction Operating System with the Aclaimant Resolution Performance System, meaning less double entry and better information population and accuracy when using the Aclaimant system! ProCore's Integration with Aclaimant allows for relevant personnel, company and project information to seamlessly map into any Aclaimant incident and claims file. Report, document, manage, and analyze like the best once your Resolution Performance System is connected with your Construction Operating System. - Easily connect your ProCore account to Aclaimant utilizing SSO - Select users from pre-populated drop downs in the event of an incident or claim - Seamlessly synch information from ProCore to Aclaimant to complete internal, external, regulatory or compliance forms to ensure accurate and prompt incident and claim reporting, from any connected device. - ProCore Marketplace Aclaimant Listing (https://marketplace.procore.com/apps/aclaimant) INTEGRATED USER SEARCH SIMPLE TO CONFIGURE INTEGRATION ABOUT OUR PARTNER - PROCORE Procore Technologies, Inc., is a leading provider of cloud-based applications for construction. Procore connects people, applications, and devices through a unified platform to help construction professionals manage risk and build quality projects—safely, on time, and within budget. Procore has a diversified business model with products for Construction Project Management, Construction Financials, Quality & Safety, and Field Productivity. Headquartered in Carpinteria, California, with offices around the globe, Procore has more than 2.5 million users managing billions of dollars in annual construction volume. Learn more about ProCore.

https://www.aclaimant.com/partners/procore

Euclid Insurance Services, Inc. has formed Euclid Life Science Specialty, LLC (Euclid Life Science), a product and professional liability insurance underwriting platform providing tailored casualty coverage products to the life sciences industry. Ryann Elliott has joined Euclid Life Science Specialty as an equity partner and managing principal. Elliott is an industry veteran in the life science underwriting space, most recently serving as the life science segment head of CNA. She will operate the entity from the East Coast with local underwriting and servicing operations in the Midwest and West Coast. The new facility began accepting new business in mid-September for October effective dates and will underwrite on behalf of Nationwide E&S/Specialty. According to John N. Colis, president and CEO of Euclid, the new operation is part of Euclid’s overall plan for program growth and expansion. Founded in 1952, Euclid Insurance Services, Inc. is a program administrator for specialty property/casualty insurance programs operating under the names Euclid Public Sector, Euclid Specialty Managers, Euclid Executive Liability Managers, Euclid Transactional, Euclid Enviant, Euclid Design Underwriters and Euclid Financial Institution Underwriters and functions as a general agency distributing employee benefit and life products under the name Euclid Managers. Was this article valuable? Here are more articles you may enjoy.

https://www.insurancejournal.com/news/national/2019/10/01/541697.htm

About Reliant Direct Insurance Services, Inc. At Reliant Direct Insurance Services we have over five decades of combined of experience in ALL types of Life Insurance, Health Insurance, Disability Insurance, Long Term Care, Accidental Death Insurance, Critical Illness Insurance. We are licensed in all 50 states. We are direct marketers of the nation’s largest and top rated insurance carriers. This means direct "no mark up" pricing to you. Instantly, we get you pricing from multiple companies. Not all insurance products are the same and not all insurance companies treat prospective insurance clients the same. We are experts at finding the perfect company for our clients. The information needed for an accurate quote can seem overwhelming and that is where we come in. Our licensed professionals ask the right questions quickly to ascertain the best fit for you. Our licensed professionals offer products that have competitive guaranteed interest AND boast guaranteed lifetime income. We also offer Life Insurance Settlements. We partner with investors in the open market. We market existing life insurance policies for those interested in selling an existing life insurance policy. We can go over the what your life insurance policy is worth today on the open market and get you top dollar for it. Our licensed professionals are dedicated to making your insurance transaction a simple and easy process. We listen, evaluate, ask the right questions and find you the best product customized for you and your family. A quick phone call is all it takes to find out what we can do for you. Tel: 800-785-3112 x 101 or x 102

https://reliantdirect.net/about-us/

Keeping the promise since 1928. By 1928, it was clear that the automobile was literally driving the American way of life. New roads and gas stations started popping up everywhere to meet the demand as Americans embraced the freedom and independence of the automobile. Columbus businessman Carl Crispin saw another opportunity — the need for an automobile insurance company that could provide prompt, fair claims service at a low premium. So he brought his idea to then Ohio Governor Vic Donahey, and the Motorists Mutual Insurance Company was born on November 19, 1928. The company was founded with an initial investment of just $15,000 and a philosophy that is the foundation of the company to this day. “Do what is best for policyholders, agents and associates.” It’s this simple philosophy that has grown Motorists Mutual Insurance Company into the company it is today: a strong, regional company that has national reach through its affiliations with other organizations in The Motorists Insurance Group. Through the years, Motorists Mutual has developed new coverages for policyholders that have become industry standards, developed a strong working relationship with independent agents, and created an environment for associates that rewards performance and innovation. It all started with smart people, looking for a better way to solve a problem. It’s a formula that still works to this day. Like the early vision of Carl Crispin and Vic Donahey, Motorists continues to look to the future with a singular vision and purpose. In short, to be the best choice possible for policyholders, agents and associates. Motorists Mutual writes business in the following states: Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia.

https://insuremypath.org/careers-in-insurance/partner-profiles/motorists-insurance-group

Newfront Featured at 5th Annual William Blair Insurance Technology Conference Published August 15, 2022 Newfront, a tech-enabled, full-service brokerage, participated in the William Blair 5th Annual Insurance Technology Conference earlier this month. CEO and Co-Founder Spike Lipkin spoke during a panel discussion focusing on Upgrading Distribution in the industry. “Technology is rapidly changing the landscape of the insurance industry,” said Spike. “Newfront is proud to blaze a trail as we build the modern insurance experience, combining our industry expertise and carrier relationships with technology.” Spike was joined by other industry leaders to discuss where data makes a difference in insurance and making consumer engagement more efficient with tech stacks. This year’s virtual conference experience offered a series of live panel discussions with experts that are shaping the insurance and banking landscape while driving technology adoption in today’s highly dynamic global environment. Attendees included a mix of institutional investors and industry executives. Newfront is transforming the delivery of risk management, employee experience, insurance, and retirement solutions by building the modern insurance platform. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. Newfront makes insurance work for you. Headquartered in San Francisco, Newfront has offices throughout the country and is home to more than 750 employees who serve clients across the United States and globally. About William Blair William Blair is the premier global boutique with expertise in investment banking, investment management, and private wealth management. We provide advisory services, strategies, and solutions to meet our clients’ evolving needs. As an independent and employee-owned firm, together with our strategic partners, we operate in more than 20 offices worldwide.* *Includes strategic partnerships with Allier Capital, BDA Partners, and Poalim Capital Markets. Chief Marketing Officer

https://www.newfront.com:443/blog/newfront-featured-at-5th-annual-william-blair-insurance

Did you know that there are more than 2,000 earthquakes that occur in the Philippines every year? This year alone, there are already 2,226 recorded earthquakes from October 29 to November 08. One of the most recent destructive earthquakes with a strength of 6.6 magnitude was experienced in Cotabato and some parts of Mindanao last October 29. Another 6.5 earthquake was experienced on October 31 destroying infrastructures, killing eight people, and injuring more than 400. The location of the Philippines has a big impact on the occurrence of natural calamities like earthquakes and typhoons. The archipelago is within the Pacific Ring of Fire, a large region where many of the Earth’s volcanic eruptions and earthquakes occur. An earthquake can be caused by a sudden movement of rocks underneath the earth’s surface or by rising lava or magma beneath active volcanoes, thus explaining the phenomenon of earthquakes before volcanic eruptions. The Philippine Institute of Volcanology and Seismology (PHIVOLCS) shared some basic things to remember before, during, and after an earthquake. It is important to know the earthquake hazards in your area. It is also important to know and familiarize yourself with exit routes and places where fire extinguishers, first aid kits, and communication facilities are located. During an earthquake, it is advisable to remain calm. In cases when someone is inside the building or home, always remember to do the “Duck, Cover and Hold.” When outside, always look for an open area away from trees, powerlines, and concrete structures. After an earthquake, aftershocks may occur. Always remember to never PANIC. Check yourself for possible injuries, for spilled toxic, chemical materials, and water and electrical lines that may have been damaged.

https://dnx.news/earthquakes-in-the-philippines-important-things-to-know/

In a bid to prove that Tesla batteries catch on fire, Paris-based Axa Insurance recently performed what internet users are calling a “bizarre demonstration”. The insurer staged a test using a Tesla Model S without the battery for the safety of the 500-odd audience and installed “pyrotechnics” with an aim to validate the dangers of owning electric vehicles. According to a statement by Axa, EVs can pose a risk of fire due to the batteries. Axa told 24auto.de that it would have been “too dangerous” to demonstrate an actual battery fire so the company removed the battery cells before the tests. This same reasoning applied to its decision to ignite the fire of a Tesla Model S with pyrotechnics. Internet users are puzzled at the claim that something can catch on fire on the basis of a test without that very object. In fact, many insisted that the US-based electric carmaker’s legal department step in. The test is being called a product of FUD – fear, uncertainty, and doubt. The insurer AXA set up this incredible demonstration of a Tesla scraping its battery and bursting into flames. The only problem was… it was 100% staged and 500% bizarre. For audience safety, they removed the battery and… installed pyrotechnics. What a weird timeline we're in. pic.twitter.com/M3er4ML3ep — Gavin Shoebridge (@KiwiEV) August 31, 2022 Videos doing rounds on social media show how the underbody of the electric car was severely damaged as a result of the explosion. “The accident researchers wanted to use the fire: on the one hand to point out the danger of a cell fire, which can result from damage to the underside of the electric car, and on the other hand point out the problems with fires in electric vehicles in general,” the insurer said. “Fortunately, fires are very rare in electric cars as well as in conventional combustion engines. In the rare case of a battery fire, so-called thermal runaways can occur.” Following the crash, Axa researchers also noted that the drive battery was very well protected but could still pose a fire hazard. Michael Pfäffli, head of accident research at Axa Switzerland said that the high torque found in most EVs could result in unwanted, jerky acceleration and loss of control. During the crash test, it was assumed that the driver would lose control of the Tesla, which would then roll over on a traffic island.

https://www.whichev.net/2022/09/01/french-insurance-company-axa-fakes-battery-fire-accident-to-prove-tesla-batteries-are-dangerous/

Insurance Europe, the European federation of insurance companies associations, is in favor of using Artificial Intelligence (AI) in automotive accident management. In fact, the document that this organization published aligns with the objective of the European Commission in promoting the safe and widespread use of AI in the different lines of business of the insurance sector. In the case of its application in automotive accident management, there are more and more technological suggestions that inject efficiency into the whole process, from the time of the accident until the vehicle leaves the bodyshop. Among the most recent are those that allow for automotive damage appraisal in three minutes, making evaluations with maximum precision through vehicle photos sent through a web application. Is it necessary to have a change in the European regulations that process the insurance activity in order to contemplate the different AI applications of an accident management? According to Insurance Europe, at this point in time, no. The organization believes that the existent responsibility system at the European level, the Directive of responsibility for defective products (PLD), together with the national civil responsibility law, is functioning well in practice with new and emerging technologies like AI. In their opinion, insurability issues could result from important changes in the existing responsibility frame, for example, the creation of a responsibility system separate from AI, the introduction of obligatory insurance, the elimination of responsibility exemptions or the realization of changes in the burden of proof. Insurance Europe considers that given that AI encompasses a combination of technologies, still in the early stage of development, the legislation on the responsibility of these advanced systems should be postponed until their specific risk potential can be understood better in the context of its use in different business sectors and the necessities of those sectors.

https://ceb.ppgrefinish.com/en/news/2021/05/insurance-companies-support-the-european-commission-objective-of-promoting-the-use-of-ai-in-the-vehicle-repair-sector/

Boston, MA, January 30, 2024 – Indico Data, the leader of intelligent intake solutions for unstructured data, is proud to announce its inclusion in ITC DIA Europe’s prestigious Top 100 Insurtechs to Watch in 2024 list. Founded in 2014 and headquartered in Boston, USA, Indico has years of experience and deep expertise in AI and ML-powered solutions. Indico’s Intelligent Intake solution empowers insurance enterprises to automate and streamline their document-intensive processes, such as underwriting, claims, commercial lending, and revenue cycle management, through the power of artificial intelligence. Leveraging its state-of-the-art enterprise LLM capabilities, Indico’s solution offers unmatched accuracy and efficiency for the transformation of unstructured data into actionable insights to drive better decisions with data. ITC DIA Europe, a leading platform for connecting insurtechs with industry leaders, showcases the most remarkable, strategically influential, and inspiring insurtech companies that exhibit outstanding contributions and disruptive advancements in the insurance technology landscape. Their Top 100 Insurtechs to Watch in 2024 showcases the most remarkable, strategically influential, and inspiring insurtech companies, serving as an invaluable reference for insurance decision-makers. “Being recognized by ITC DIA Europe is a testament to our dedication and expertise of our team,” said Indico CEO Tom Wilde. “We are proud to be at the forefront of innovation in insurtech, and our inclusion in this list showcases our commitment to streamlining data intake processes within the insurance sector to enable insurers to make more accurate decisions faster to optimize loss ratios, improve customer satisfaction, and increase premium growth.” About Indico Data Indico Data automates critical workflows for enterprises in document-intensives industries, including insurance, financial services and healthcare. With the Indico Intelligent Intake™ Solution, organizations can free their experts from tedious, manual tasks, allowing them to drive better decisions with better data. Visit https://indicodata.ai to learn more. About ITC DIA ITC DIA Europe strives to bring together insurance executives with insurtech leaders and other agents of change to accelerate digital transformation and innovation in the insurance industry. Through annual showcases and digital services, they bring the next level of insurance innovation to a growing community. Visit itcdiaeurope.com to learn more.

https://indicodata.ai/blog/news/indico-data-recognized-by-itc-dia-europe-as-an-insurtech-to-watch-in-2024/

Popular Ipswich tattoo parlour, Compass Tattoo, is being forced to close its doors this October after a dramatic rise in insurance costs has left them with no other option. The popular Brisbane Street business has been in Ipswich for over 6 years, and co-owner Angela Nayler says they simply cannot afford the exorbitant increase in insurance costs. “Our insurance was going to go up from $10,000 to $41,000 per year,” Ms Nayler said. “This is because insurance companies have declared our business high risk and the building is also heritage listed.” Angela believes that part of the problem comes from an outdated notion linking criminal stereotypes to the tattoo industry. “They are declaring our tattoo parlour high risk despite the fact that we’ve been here for six years and prior to that this shop was a tattoo parlour that had been here since 2000,” Angela said. “You have to be fully licensed, which means you have to have do a police check, get fingerprinted and of course you can’t have any association with motorcycle gangs. “A lot of people believe that the high risk comes from the bike gangs, yet a risk assessment hasn’t been done on the tattoo industry in 20 years so insurance companies may well be looking at us like we’re still 1990’s bikers.” An Insurance Council of Australia spokesperson said that insurance globally is currently in a ‘hard’ market, meaning capital is harder to get and insurers’ risk appetites are lower. “This may impact the types of cover insurers are willing to underwrite,” the spokesperson said. “Insurance premiums are based on risk. Each insurer has their own underwriting criteria and will use these criteria to determine the risk of individual policies and policy categories. “An increase in claims activity of an individual or industry segment may lead to premium increases, or the insurer choosing not to offer insurance. But Angela believes it is not a change in the activity of her business or that tattoo industry at large that has led to the dramatic insurance hike. “I don’t think the risk has changed. I think insurance companies have changed,” Angela said. “They just look at us and think oh no, it’s too risky even though we’ve never claimed anything on insurance, and we’ve been here all this time. “It’s hard to explain. It’s hard to understand. I can’t even understand it. It doesn’t make sense, but it is what it is.” Angela believes the publicity the insurance hike has stirred has started a wider conversation. “The Australian Tattoo Guild has advised they are working with the government at the moment to try fix things but obviously everything takes time,” she said. “But it’s not just our industry that is being impacted by these insurance hikes, particularly after the many natural disasters Ipswich has experienced.” In the meantime, Angela says the six tattoo artists who are currently employed at Compass Tattoo are actively looking for new work as the businesses closure date looms. “It is sad because these artists have brought good art to the people of Ipswich, and it’s sad for the people of Ipswich that they may have to travel outside of Ipswich for that now. As for what’s next for Angela and her husband Nailz, who co-owns the business, she said the pair are still actively looking for a new place to set up shop. “We would love to stay in Ipswich, we love Ipswich and we’ve got our three kids here,” Angela said. “Hopefully early next year something will arise, and we’ll take the opportunity.

https://www.ipswichlocal.com.au/popular-ipswich-mainstay-forced-to-close/

ASPEKT continues the collaboration with Raiffeisen LeasingApril 2012, Pristina, Kosovo ASPEKT signed agreement for installation and implementation of Aspekt CRM Software and Insurance Broker Software for Raiffeisen Leasing Kosovo. ASPEKT continued the collaboration with Raiffeisen Leasing Kosovo and signed yet another agreement for implementation and installation of Aspekt CRM Software and Aspekt Insurance Broker Software, as integral part of the core Aspekt Leasing Software. The Aspekt CRM Software will be adapted for tracking the end-to-end sales process, completely integrating agent’s activities and measuring the performed actions within the system. The client also needed a system which can primarily track insurance policies for the leased cars, and in order to fulfill client’s needs ASPEKT will implement the Aspekt Insurance Broker Software. ASPEKT is looking forward for a further, long-term collaboration with this client, following company’s strategic growth. Raiffeisen Leasing Kosovo (RLKO) was established on May 2008 as the first company licensed for providing Financial Leasing in Kosovo, and officially started their business activities in 2009. The company’s main activity is to provide financial leasing for vehicles, equipment or machinery as well as real estate. RLKO is a member of one of the most active financial groups in the Central and Eastern European market. The company is the first licensed company to offer leasing assets in the Kosovo Market.

https://aspekt.mk/news/aspekt-continues-collaboration-raiffeisen-leasing

Richard E. DolderPartner Richard E. Dolder is a partner who joined Slappey & Sadd to expand the firm’s work on insurance coverage and insurance bad faith. Rich represents individuals and businesses who are improperly denied coverage or treated unfairly by their insurance companies. Some of his litigation successes include the following: - Securing an $8.25 million settlement for a hotel that was improperly denied coverage by its property insurer. - Negotiating a $1 million settlement for a small business that had to defend itself in court after its liability insurer denied coverage and refused to defend. - Forcing a life insurer to pay benefits to the rightful beneficiary, after the insurer had already paid the benefits to the wrong beneficiary. - Convincing a jury to award compensatory and punitive damages to a contractor after the contractor’s insurer denied coverage and refused to defend. Rich also counsels individuals and businesses in insurance issues not requiring litigation. Rich can help insureds in the following situations: - Prompting insurance companies to make quicker decisions when they delay payment on valid claims while the insurance company conducts an endless “investigation.” - Standing by insureds when their insurance company insists on intrusive and repeated Examinations Under Oath. - Providing honest and thoughtful evaluations of your claim when your insurance company denies coverage. Before going to law school, Rich was an award-winning journalist. He graduated at the top of his class from the University of Florida College of Law in 1998. He moved to Atlanta, where he initially worked for a large law firm that specialized in representing certain underwriters in the insurance market at Lloyds of London. Switching sides, Rich later joined an international law firm where he represented Fortune 500 companies in coverage disputes with their insurance companies. He lives in Dunwoody with his wife, Kathy, and three children.

https://www.lawyersatlanta.com/richard-e-dolder.html

Navigate today’s most pressing health industry challenges with a leading global expert by your side. Discover intelligent digital solutions to help improve outcomes, manage costs, and solve the toughest healthcare challenges. Meet growing needs for innovative insurance solutions while increasing operational health and improving compliance. Financial modeling & industrialization Insurance risk assessment Retirement & Benefits Deliver on the promises of the past and create smart solutions for the future. Compensations & benefits Benefit plan evaluation Manage complex risks using data-driven insights, advanced approaches, and deep industry experience. Auto policy underwriting Software performance enhancement Mortgage platform for investments & reinsurance Solvency II reporting & compliance This is a place where your ideas and insights make an impact. Where an independent, entrepreneurial spirit is an advantage. And where diversity of thought and experience makes us who we are. Data-driven insight. Deep expertise. Transformative innovation. Since 1947, Milliman has delivered intelligent solutions to improve health and financial security. Lori Julga is a principal and consulting actuary with the Milwaukee office of Milliman. She joined the firm in 1991. Lori’s work experience includes financial analysis, loss reserve analysis, and ratemaking. She has broad exposure to most property and casualty lines of business, with special emphasis on commercial lines, including workers’ compensation, auto liability, and general liability. Her client assignments include reviews of workers’ compensation rate levels, estimations of reserves for major insurance companies and excess writers, preparation of expert-witness support, and analyses of rates and reserve levels for self-insured entities.

https://www.milliman.com/fr-FR/consultants/Julga-Lori

The number of towns in Bohol which do not have fire stations has gone down to seven from 11 last year as the Bureau of Fire Protection (BFP) Bohol continued its efforts to establish fire stations in each of the province’s 47 towns. This was reported by acting provincial fire marshal Chief Insp. Randy Mendaros to BFP 7 director Chief Supt. Gilbert Dolot during the inauguration of the San Isidro Fire Station on Wednesday. Dolot, along with San Isidro Mayor Jacinto Naraga, led the inauguration and blessing of the new facility. According to Mendaros, the municipalities of Loboc, Corella, Lila, Danao, Getafe, San Miguel and Duero still do not have fire stations. Lots however have already been allotted for the site of fire stations in Loboc, Corella, Lila and Danao, he said. The BFP and the local government units of the said towns continued coordination to seek funding and lots for fire stations. Meanwhile, the towns of Dauis, Alicia and Carlos P. Garcia which have BFP personnel and firefighting vehicles and gear are operating out of temporary facilities. The three towns are expected to have completed fire stations within the year, said Mendaros. A P7.3-million budget has been allocated for the project, he added. Mendaros said that towns which still do not have BFP personnel rely on neighboring municipalities to respond to fire emergencies in their areas of responsibility. (RT)

https://www.boholchronicle.com.ph/2019/02/08/number-of-bohol-towns-with-no-fire-stations-down-to-7/

Key Features of TechWise Insurance - Comprehensive Coverage: TechWise insurance offers coverage for a wide range of risks, including accidental damage, theft, loss, and cyber threats. This comprehensive approach ensures that policyholders are protected against both physical and digital threats to their technology. - Device-Specific Policies: Unlike generic insurance plans, TechWise insurance allows policyholders to tailor their coverage to specific devices or types of technology. This means that individuals and businesses can ensure that their most valuable assets are adequately protected, without paying for unnecessary coverage. - Rapid Replacement and Repair: In the event of a covered incident, TechWise insurance provides expedited replacement or repair services to minimize downtime and disruption. This can be especially crucial for businesses that rely on technology for day-to-day operations. - Cybersecurity Protection: In addition to physical damage coverage, many TechWise insurance policies also include provisions for cybersecurity protection. This may include coverage for data breaches, malware attacks, ransomware, and other digital threats that can compromise sensitive information. - Flexible Premiums and Deductibles: TechWise insurance offers flexibility in premium payments and deductible options, allowing policyholders to choose a plan that fits their budget and risk tolerance. Choosing the Right TechWise Insurance Policy When selecting a TechWise insurance policy, it’s essential to consider several factors to ensure adequate coverage and value for money: - Coverage Limits: Review the coverage limits and exclusions of the policy to ensure that it meets your specific needs. Pay attention to any restrictions on coverage for high-value items or specific types of damage. - Claim Process: Evaluate the ease and efficiency of the claims process, including how quickly replacements or repairs are processed and whether there are any additional fees or requirements. - Customer Service: Consider the reputation and reliability of the insurance provider, including their customer service track record and responsiveness to inquiries and claims. - Additional Benefits: Look for any additional benefits or perks offered by the policy, such as extended warranty protection, technical support services, or discounts on future upgrades. In an increasingly digital world, protecting our technology investments has never been more critical. TechWise insurance offers a smart and practical solution for individuals and businesses looking to safeguard their devices and data against a wide range of risks. By providing comprehensive coverage, rapid replacement and repair services, and cybersecurity protection, TechWise insurance offers peace of mind in an uncertain technological landscape. Whether you’re a tech enthusiast or a business owner, investing in TechWise insurance can help ensure that your technology remains safe, secure, and operational when you need it most.

https://humrahenarahehum.net/techwise-smart-insurance-for-your-technology/

Toronto, ON (Sept. 21 , 2017) – The insurance industry is evolving – incorporating and adopting new technology, responding to emerging risks, and relying on data analytics to address and respond to business and market needs. Inc. Crawford & Company (Canada) is not only responding to these market developments, but forging the future of claims management in its 360° approach. Crawford 360° is a fully integrated claims management solution combining digital innovation with enhanced service plug-ins, progressing a file through each phase of the claims cycle. With the development of some very unique services, such as Global Technical Services®, Contractor Connection®, and Origin & Cause combined with the expansion of our insurance technology service solutions through Crawford iQ®, ClaimsALERT™, Crawford Compliance™ and WeGoLook®, Crawford’s capabilities exceed that of a traditional independent adjusting firm. “Crawford’s range of in-house services and IT capabilities enable us to provide unique and enhanced service solutions that address both the current and future needs of our clients, regardless of the size or complexity of the loss or event,” said Pat Van Bakel, president & CEO, Crawford & Company (Canada) Inc. www.crawfordandcompany.ca Our seamless, full-service claims management solution expedites the claims process through leveraging the appropriate experts, use of assessment and risk mitigation tools, data management and analytics capabilities and professional expertise. Crawford’s portfolio of services is offered to our clients as a simplified, all-inclusive service solution to enhance the overall claims experience. Based in Atlanta, Georgia, Crawford & Company is one of the world’s largest independent providers of claims management solutions to the risk management and insurance industry, as well as to self-insured entities, with an expansive global network serving clients in more than 70 countries. The Crawford Solution® offers comprehensive, integrated claims services, business process outsourcing and consulting services for major product lines including property and casualty claims management, workers’ compensation claims and medical management, and legal settlement administration. For more information, please visit www.crawfordandcompany.com. Source: Crawford & CompanyTags: claims solution, Crawford & Company

https://www.insurance-canada.ca/2017/09/25/crawford-360-future-claims/

Mcgriff Insurance Services: The McGriff name was introduced in 1886 when McGriff, Seibels & Williams was established as a business. Today, McGriff operates as a division of Truist Insurance Holdings, Inc., ranked as one of the top 10 biggest insurance brokers worldwide. McGriff offers highly consultative risk management and insurance services for companies of all sizes, in addition to catering to the requirements of individuals in need of insurance. The various coverages include commercial property and casualty insurance, employee benefits, management liability, personal lines of insurance, and many more. What is McGriff? Clients from around the United States may get risk management and insurance solutions from McGriff Insurance Services, Inc., an insurance broker that provides complete services. The company covers the following types of insurance: commercial property and casualty, corporate bonding and surety services, cyber, management liability, captives, alternative risk transfer programs, small business, employee benefits, title insurance, personal lines, life and health, and umbrella insurance. Truist Insurance Holdings, Inc. is the parent company, and McGriff I is one of its subsidiaries. Truist Mortgage has formed a partnership with McGriff, one of the top service retail insurance brokers in the United States, to provide McGriff’s new online personal insurance marketplace, McGriff powered by Covered, to Truist Mortgage’s mortgage customers as part of a one-stop home financing experience. McGriff is one of the leading service retail insurance brokers in the United States. Truist customers applying for a mortgage may instantly begin to look for house insurance simultaneously, minimizing the pressure of having to deal with many transactions at once, which is one of the challenges that can make the process of owning a home so difficult. In addition, when using McGriff powered by Covered, the information provided in a loan application may concurrently be used to generate insurance quotations from several of the most reputable companies in the country. The user-friendly insurance platform is wider than just offering house insurance policies. When clients connect with a McGriff adviser, they have access to various insurance options, including car, umbrella, flood, and many more. An Introduction to Truist Insurance Holdings Truist Bank owns 100 percent of its insurance brokerage company, Truist Insurance Holdings, Inc., which ranks as the seventh biggest insurance broker worldwide and the sixth largest in the United States. Through its subsidiaries, McGriff Insurance Services, Inc., CRC Insurance Services, Inc., Crump Life Insurance Services, Inc., and AmRisc, LLC, as well as it’s Premium Finance companies, Truist Insurance Holdings manages more than 250 locations across the United States (AFCO Credit Corporation, Prime Rate Premium Finance Corporation, Inc., and CAFO Inc.). The BB&T Insurance Holdings Company A wholly owned subsidiary of Truist Bank, BB&T Insurance Holdings, Inc. is now ranked as the fifth biggest insurance broker in the United States and the sixth most considerable in the world. Through its subsidiaries, McGriff Insurance Services, Inc., McGriff, Seibels & Williams, Inc., CRC Insurance Services, Crump Life Insurance Services, and AmRisc, LLC, BB&T Insurance Holdings manages more than 200 locations around the country. What services does McGriff offer? McGriff provides commercial property, casualty insurance, corporate bonding and surety services, cyber insurance, management liability insurance, captives and alternative risk sharing programs, small business insurance, employee benefits insurance, title insurance, personal lines insurance, life insurance, and health insurance. - Business Insurance - Risk Management - Employee Benefits - Personal Insurance 1. Business Insurance As a national broker, McGriff combine the resources of a large broker with the customized, boutique-level service of a small agency. Our client-centric strategy drives everything we do at every level, allowing us to tailor coverage and optimize costs to protect your business’s particular problems, objectives, and vision. Auto & Transportation, Bonding & Surety Services, Commercial Flood, Commercial Liability, Commercial Property, Cyber Liability, Executive Risk Advisors, International and Small Business, Succession Planning, Trade Credit, Transactional Risk, and Workers’ Compensation are examples of business insurance solutions. 2. Risk Management Regardless of your sector or company focus, McGriff protects your assets and reduces your risk exposure. Using a combination of conventional brokerage services and new risk management tactics, they devise ways to minimize or mitigate the impact of risk, allowing you to maintain consistent and effective company operations. Allow McGriff to put their expertise to work for you. As a national broker, they combine the capabilities of large brokers with a customized level of service from beginning to end. As part of a multidimensional, high-performing financial services firm, McGriff is on the top position to provide you with the most innovative risk management services. Client-Focused Risk Solutions® is a five-phase patented methodology that combines conventional brokerage-driven services, corporate risk management, and total cost of risk methods. McGriff risk management includes the following five steps; - Identify hazards - Analyze information - Develop a strategy - Implement a plan - Monitor and modify 3. Employee Benefit Plans For over a century, McGriff has provided insurance solutions for many businesses and organizations, focusing on innovative employee benefit products and services that minimize costs, increase employee engagement, and give HR more time to concentrate on strategic goals. With services like plan design suggestions, financing analysis, proposal analysis, carrier negotiations, and the selection and execution of employee benefits programs, McGriff’s methodology guarantees that you get best solutions that fulfill your objectives. Benefits administration technology, COBRA administration, and clinical wellness and health engagement are included in employee benefits solutions. 4. Personal Insurance Coverage The McGriff team of experienced specialists talks with you and focuses on your requirements, offering you the best possible combination of coverage, service, and price from some of the nation’s leading insurance companies, including Travelers, Nationwide, Safeco, Progressive, and many more. - Simple, practical, consultative method - Dedicated staff certified in all fifty states. - Competitive pricing and flexible payment options - Dedication to locating the most efficient and cost-effective coverage for your requirements Insurance brokers negotiate directly with insurance providers on your behalf to optimize the value of your policies. McGriff is pleased to assess your existing coverage and design a program for your home, family, and valuables at the most affordable prices. Home, Auto, Motorcycle & ATV, Boat, Marine & RV, Flood, Personal Umbrella & Excess Liability, Jewelry, Pet, Life, Long-Term Care, Disability, & Medicare/Health are covered by McGriff Personal Insurance. How to Login McGriff? McGriff Login for Business Clients must provide their login credentials before they may access their business account. Please contact a local insurance expert if you are a client who still needs to receive login credentials for the CSR-24 or the Safety, Health, and Environmental Training Portal. Suppose you want access to an individual account (for a plan member). In that case, you will need to pick either a defined benefit plan, a flexible benefits plan, or the COBRA Administration account type. To access one’s McGriff account, a person must first choose the kind of account they have, which may be one of the following: FSA, HSA, HRA, TSA, Retirement, or COBRA. To sign in to McGriff using any of the accounts described in the previous paragraph, you must choose the appropriate account type and click the Login button on the right side of the screen. Simply providing the needed information will allow you to log in successfully to your account. McGriff Contact and Phone Number McGriff Insurance Services is concerned about our customers, coworkers, and communities that recent hurricanes and storms may have touched. And they have promised to do all in their capability to help with any inquiries about the claims process and to provide assistance during this tragic time. For questions about claims for business insurance please send an email to [email protected] or call 800-990-4228. For personal insurance claims Please call 800-228-1820, or visit: McGriff Personal Insurance Contact Details McGriff has helped businesses and organizations of all sizes by developing highly individualized strategies for risk management, insurance, and employee benefits. Professionals with expertise in insurance, risk management, and employee benefits at McGriff are responsible for developing highly individualized services and delivering them by a patented and preventative methodology that they refer to as Client Focused Risk Solutions. In the states of Alabama, Arkansas, California, Florida, Georgia, Indiana, Kentucky, Louisiana, Maryland, Mississippi, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia, McGriff operates more than 120 different agencies. In addition, McGriff has a significant worldwide reach since our operations span over 120 countries. The whole effect comprises global scope, regional concentration, and local service. When it comes to protecting its clients’ assets and ensuring their future, McGriff is driven by a passionate and dedicated approach to the success of its clients.

https://digitalmagazine.org/mcgriff/

Jennifer Velazco is a Partner at Butler. Based out of the Tampa office, her primary practice area is Coverage Defense. Jennifer handles mostly first-party property insurance coverage defense cases, third-party liability, and related extra-contractual matters. After receiving her Bachelor of Science, cum laude, from Florida Statute University in 2001, Jennifer worked for the Guardian Ad Litem program as a case coordinator serving and protecting the best interest of children in the foster care system. She then studied at Stetson University, graduating with her Doctor of Jurisprudence from Stetson College of Law in 2005. She also earned a Master of Business Administration from Stetson University School of Business that same year. While in law school, Jennifer served as the Vice-President of the Student Bar Association, co-founded Stetson’s Leadership Development Committee, and served as a judicial intern for Judge William Fuente of the Thirteenth Judicial Circuit and Judge Elizabeth Kovachevich for the U.S. District for the Middle District of Florida. After being admitted to the bar, Jennifer practiced at an insurance defense litigation firm in Tallahassee, Florida, representing several insurance carriers in first-party property disputes. Jennifer subsequently moved to Tampa and joined a highly regarded insurance defense firm as a Partner, where she continued to represent various insurance carriers in first-party-property litigation matters and related coverage matters. Throughout her professional career, Jennifer has lectured throughout the State of Florida on property insurance coverage issues, including Florida first-party property insurance laws, fraud, and the adjustment of various types of claims involving fires, sinkholes, hurricanes, and floods. She has also provided in-house training to clients across the county on first-party property matters. Jennifer is licensed to practice in all Florida State Courts and the United States District Courts for the Southern and Middle Districts of Florida. We want to warmly welcome our newest attorneys, Jennifer Velazco, Hannah Conrardy, and Justine Roof. Click their bios above to learn more about them....

https://www.butler.legal/attorneys/jvelazco/

Swiss Re Corporate Solutions (SRCS), the commercial insurance arm of Swiss Re has named Michael Rüsch as country head Switzerland, effective 1 October 2020. In his new role, he will be responsible for managing Swiss Re Corporate Solutions’ strategy, development and performance in the Swiss commercial insurance market. Rüsch brings more than 20 years professional insurance industry experience and joins the business from HDI Global where he also served as head of the company’s Swiss branch. Throughout his career, he held multiple of managerial roles in underwriting with local responsibilities in Switzerland as well as in Europe and Asia Pacific. Prior to HDI Global, Rüsch held a variety of underwriting and management positions at AXA XL, having joined XL Catlin in 2002. During this time, he worked as country manager for Switzerland and went on to become responsible for the European region as head of financial lines. Fred Kleiterp, CEO Europe, Middle East & Africa at Swiss Re Corporate Solutions commented: “I am pleased to have an experienced leader like Michael join our team,“ “He has a wealth of industry expertise coupled with strong underwriting and management skills. I am confident that with his knowledge and experience, we will continue to deliver a comprehensive commercial insurance offering to our customers in Switzerland and improve our overall stance in the Swiss market.”

https://www.eamespartnership.com/blog/2020/06/michael-rusch-joins-swiss-re-corporate-solutions-as-country-head-switzerland

Riverlands Insurance Services ****** Hope you like our new online look! We are currently redesigning our website to better serve you. ****** Our primary objective is to establish a relationship - a partnership-between you, the insurance company and our Agency to provide you with coverage, claim service, and above all customer service that is second to none. Riverlands Insurance Services writes all lines of insurance from auto and homeowners insurance to small business and large complex commercial accounts as well as health and life products. Riverlands Insurance Services is committed to educating our staff in order to be on the cutting edge of the insurance industry. We insure clients close to home and throughout the United States protecting businesses and families from potential financial loss. We do more than simply write coverage; we develop relationships and we take pride in saving money for our clients without compromising coverage or quality. We have a commitment to maintain a high standard of excellence in all that we do and to establish a firm relationship of mutual trust and service with each of our clients Whether you need personal auto insurance or want to insure a fleet of trucks, we have the expertise to find the most appropriate insurance products for your situation. Riverlands Insurance Services does not wait for a disaster, we prepare for them. Riverlands Insurance Services core values reflect what is truly important to us as an independent insurance agency. These are not values that change from time to time, day to day, situation to situation or from one insured to another, but are the values that our fathers have instilled in us. Our employees feel Riverlands is an exciting agency to be a part of and a special place to work. These core values are the foundation which we build upon.

https://www.riverlandsinsurance.com/about

Capgemini will deliver operational efficiency and cost savings to super regional insurance carrier’s ClaimCenter application CHICAGO and JACKSONVILLE, Fla., � August 10, 2010 � Capgemini, one of the world’s foremost providers of consulting, technology and outsourcing services, today announced that it has been awarded a five-year application management services contract with super regional property-casualty insurance carrier, The Main Street America Group. Under this new agreement, Capgemini will provide a service-based application management solution for Guidewire ClaimCenter®, which aims to increase clients’ operational efficiency, predictability and scalability for new application developments. This agreement builds upon Capgemini’s existing relationship with Main Street America, and includes the successful upgrade from Guidewire ClaimCenter 3.1 to version 5.0 during the first quarter of 2010. Capgemini, which is a leading Guidewire global alliance partner, is the first systems integrator to upgrade successfully an insurance client to the new version of Guidewire’s ClaimCenter, a leading insurance claims system that manages the notification of loss through settlement, litigation, and recovery, while improving fraud detection and reduction in claims leakage. Main Street America’s ClaimCenter upgrade also includes system integration, automating claim assignments, and new search optimization standards that will reduce ongoing IT and infrastructure costs, while providing increased accuracy and efficiency of reporting to external agencies. Capgemini supported Main Street America in 2009 with the integration of three new claims partners � Innovation Group (Priority Choice Repair Program), BrightClaim and Craig/is � as the company transitioned from a legacy system to a web-based application. Under this new agreement, Main Street America will leverage Capgemini’s global delivery model, Rightshore®, to reduce operating costs and increase market agility. “Our focus is to operate as efficiently as possible so that we can continue to serve our customers � independent insurance agents and their customers � policyholders � in a superior way,” said Ronald James, Main Street America’s chief information officer. “Following the success we had teaming up with Capgemini on the implementation of ClaimCenter 5.0, we decided to strengthen our partnership with them to ensure we have the very best support structure in place for future implementations and support of our claims processing system for all of our customers.”. “Working collaboratively with Guidewire, this agreement leverages the best of Capgemini’s global capabilities to define the appropriate program parameters so that Main Street America can unlock the maximum rate of return for its investment,” said Jack Dugan, vice president of Capgemini’s North America insurance practice. “With more than 4,000 dedicated Capgemini insurance professionals globally, Capgemini is well equipped to provide Main Street America with agility and efficiency to execute its growth strategies.” “Guidewire provides Main Street America the technology platform to optimize accuracy and speed of claim processes. We are pleased that Main Street America and its customers will be able to benefit from the functional enhancements we have made in this newer version of ClaimCenter,” said Priscilla Hung, vice president, Alliances & Corporate Development at Guidewire. “Our applications combined with Capgemini’s implementation and industry expertise, position organizations like Main Street America to achieve rapid and sustained return on its technology investment.” About Main Street America Group With roots dating back to 1923, The Main Street America Group is a super regional insurance company that operates six property-casualty insurance carriers: NGM Insurance Company, Old Dominion Insurance Company, Main Street America Assurance Company, MSA Insurance Company, Great Lakes Casualty Insurance Company and Grain Dealers Mutual Insurance Company. Based in Jacksonville, Fla., Main Street America offers a wide range of commercial and personal insurance, and fidelity and surety bond products to individuals, families and businesses throughout the United States. With more than $815 million in premium written exclusively by 1,500-plus independent insurance agents, the 87-year-old company insures more than 600,000 policyholders in 25 states. A.M. Best Company rates The Main Street America Group as an “A” (Excellent). Main Street America is the founding company partner of Trusted Choice®, the global branding program of the Independent Insurance Agents & Brokers of America. For more information about Main Street America, please visit www.msagroup.com. Capgemini, one of the world’s foremost providers of consulting, technology and outsourcing services, enables its clients to transform and perform through technologies. Capgemini provides its clients with insights and capabilities that boost their freedom to achieve superior results through a unique way of working, the Collaborative Business ExperienceTM. The Group relies on its global delivery model called Rightshore®, which aims to get the right balance of the best talent from multiple locations, working as one team to create and deliver the optimum solution for clients. Present in more than 30 countries, Capgemini reported 2009 global revenues of EUR 8.4 billion and employs 95,000 people worldwide. More information is available at www.capgemini.com. About Capgemini Financial Services Capgemini Financial Services brings deep industry experience, innovative service offerings and next generation global delivery to serve the financial services industry. With a network of 15,000 professionals serving over 900 clients worldwide, Capgemini collaborates with leading banks, insurers and capital market companies to create tangible value.

https://www.insurance-canada.ca/2010/08/10/the-main-street-america-group-selects-capgemini-to-provide-application-management-services-for-guidewires-claimcenter-system/

Outstanding commercial and multifamily mortgage debt rose by 1.4% during the quarter. He holds a degree in journalism from the University of North Texas. Contents Mortgage loan commercial real estate loans Originates mortgage loans secured primarily Commercial real estate properties mortgage finance group Specifically, in Texas where the last five years has seen great deals of high volume increases in both residential and commercial, new findings are. limited availability, high mortgage rates and. NEW YORK, NY–(Marketwired – Nov 6, 2014) – Hunt Mortgage Group, a commercial real estate lender, announced today that it has refinanced three multifamily properties located in Dallas County, Texas. The future of commercial real estate debt and equity is safe with this, the second class of Mortgage Observer’s rising stars. real estate transactions throughout California, Washington, Texas, For business conducted in Texas, a copy of Berkadia’s Texas Real Estate Commission Information about broker services form can be seen here for both Berkadia Commercial Mortgage LLC and Berkadia Real Estate Advisors LLC.The Texas Real estate commission consumer protection Notice, which applies to both Berkadia Commercial Mortgage LLC and Berkadia Real Estate Advisors LLC can be found here. Big Calculator Free while his cofounders wanted to optimize for free cash flow. They ended up parting ways amicably. The Two Most important Things for Launching with Cofounders Sid has experienced several startups and. Recent Commercial Real Estate Deals.. Austin, Texas. Collateral: Apartment complex located in Austin, TX; Purpose: Acquisition Loan; Sourced by: CBRE. National Commercial Property Loans provides commercial loans to investors in the real estate and mortgage industry. With over 50 years of combined knowledge and experience, we provide creative solutions to your commercial lending needs. Texas Commercial Property Select Commercial is a leading commercial real estate lender. We have excellent commercial mortgage loan products and options available for owners and purchasers of commercial real estate and multifamily buildings throughout the state of Texas. Personal Loan Rates Calculator U.S. Bank Premier Loan, Premier Line of Credit, and U.S. Bank Simple Loan are for existing U.S. Bank customers who prefer financing without using collateral. Approval for Premier Line of Credit and Reserve Line of Credit requires having a new or existing U.S. Bank personal checking account. Before joining Velocity, he worked for other commercial mortgage firms in roles with increasing degrees of responsibility. “Our goal is to increase the footprint in Texas and surrounding states,”. Top Commercial Real Estate Lenders Requirements For Commercial Loan Loan Products – First Commercial Bank (USA) – Our commercial loans are structured individually to meet your unique financing requirements. We offer both short term lines of credit to supplement your cash.Commercial Real Estate Loans, Inc. – Commercial real estate loans and commercial mortgages across the country. Work with our nationwide team of commercial mortgage bankers to help you find your commercial financing today. We offer HUD multifamily loans, CMBS, agency loans, life company loans, bridge financing, and more.Online Commercial Lenders Explore our small business financing options and find out how to use small business loans and credit to finance your business needs. Get more information about funding your business with a term loan, SBA loan, secured and unsecured lines of credit and more from Bank of America. Contents Home mortgage loan Mba program.. job placement. career-building Loans. newbridge investments Simple guide compares Direct Commercial Funding Inc. works around the clock 24/7 to provide fast commercial real estate loans, a short term bridge lender, construction development financing, land. Best Texas Mortgage Loan serving Texas.

https://www.chambersagency.net/texas-commercial-mortgage-2/

Insurance Agency and Brokerage Mergers and Acquisitions ACCEL Law Group is a leader in insurance agency and brokerage transactions. Our experience representing large institutional buyers and private equity investors in insurance agency acquisitions allows us to represent small and medium-sized independent agencies in the sale of their business and puts them on equal footing with the buyer. We also work with agent and broker clients growing their businesses through producer hiring and smaller account acquisitions. Our experience sets us apart when it comes to industry-specific issues and has allowed us to successfully close hundreds of transactions involving agencies and brokerages. We bring a sophisticated practice to sell-side principals looking for efficient, cost effective expertise with in-depth knowledge of the insurance industry and the business of agents and brokers. We understand their business, have a keen understanding of these transactions, and get the deals across the finish line! Regulatory & Compliance Counsel Whether it’s in the course of everyday business or in the heat of a transaction, insurance agencies and brokerages face complex regulatory questions that must be handled right. ACCEL’s team of insurance attorneys offers deep insurance regulatory experience to ensure that you remain compliant with all relevant jurisdictions. We can provide strategic regulatory counsel, compliance audits and can help you deal with department of insurance inquiries. Learn more about our regulatory and compliance services here. Separately, our sister firm, ACCEL Compliance provides non-legal compliance services to assist you in managing your firm’s compliance obligations.

https://accellawgroup.com/about/

Write for Us Guest Post for Insurance Blog https://mytopinsuranceblogs.com gives an opportunity to writers, insurance brokers and insurance companies that have in-depth knowledge on any of these categories, car insurance, home insurance, health insurance, insurance quotes, travel insurance, life insurance and risk management to submit their article for publication. However, guest posting on this blog is not without terms and conditions. For any of the following reasons, we will disregard and delete the article sent by a guest blogger or freelance writer: - If you are not the original owner of the content you sent to us. - If you sent us an article that has been published elsewhere (except for sponsored posts) - If your article has a harsh tone, depicts you are a racist and does not have anything to do with insurance. - If it is less than 700 words. (Original articles of 1,000 words and above will be given preferential treatment). - If we discover that you duplicated a topic that has already been published on this platform or elsewhere. We like customized titles. - If it is full of grammatical errors (misspelling, misuse of tenses, incorrect use of verbs, etc.). - If we notice that it contains sponsored links or links that are irrelevant to the anchor texts and article content. We reserve the right to accept or reject any article that does not meet our standard. Within 72 hours of your submission, we shall review your article and send you a reply – telling you when your post will go live or if there are changes we would want you to effect. PLEASE NOTE: MyTopInsuranceBlogs.com at the moment has no provision to pay guest bloggers and freelance writers that publish their articles on this site. But we promise to offer author profile (not longer than 140 characters) to our contributors as a way of giving you backlinks and promotion on our blog. The guest blogger with the highest number of posts, the highest number of page views and engagements in terms of social shares and comments will be rewarded. We have got you covered if you are looking for guest posting information on the following areas: - Car insurance write for us - Insurance write for us - Insurance blog write for us - Life insurance write for us - Health insurance write for us - Car blog write for us - Automotive write for us - Yoga insurance write for us - Insurance blogs to guest post for - Write for us business Here are samples of articles we have published in the past that you can model: - Why Consultants Need Professional Indemnity Insurance - General Liability Coverage: Protect Your Business from Liability Claims This is a golden opportunity for health insurance companies, automotive companies, life insurance companies, car insurance companies and travel insurance companies to write a guest post on our blog and get a brand mention. Send your finished article of not less than 800 words to – [email protected] Fill out this form below if you would like to work with MyTopInsuranceBlogs.com

https://mytopinsuranceblogs.com/write-for-us/

Music Insurance Brokers are an experienced music and entertainment insurance broker, providing advice, service and polices for all parts of the music sector. The team are passionate about music, love seeing and hearing new talent and try to make the subject of insurance a little bit interesting and easier to understand. This week we have a catch up with Insurance Partner Steven Howell! Firstly please tell us a little bit about who you are, what you do at Music Insurance Brokers and how you work with music managers. I head up the music division at MIB. We are a specialist insurance broker for people that work in the music industry. We provide insurance policies to protect managers and the artists they work with. From equipment and liability to travel and cancellation we have polices to protect everyone. What new music releases are you enjoying currently? I am currently loving the new Dub Pistols Album – Addict. Plenty of Jungle and DnB tunes! How has business been for you since the COVID-19 pandemic hit? Any significant challenges? How are you are adapting your services? We usual insure a lot of tours and festivals so we spent most of the first lockdown cancelling policies and giving back premium to clients which was tough but the right thing to do. Many artists have been looking at other ways to monetise their music and we have seen a rise in enquiries for song writer indemnity cover (breach of copyright) which can be a contractual requirement when selling music for sync. The role of the manager has evolved massively in recent years, as highlighted in the MMF’s 2019 report Managing Expectations, with managers taking on an increasing amount of responsibilities. Has this influenced the way you work with managers at Music Insurance Brokers? Historically the subject of insurance was traditionally left to the business manager or accountant. However recently some day to day artist managers are getting involved in arranging insurance too. Are there any managers you particularly enjoy working with – or consider to be doing brilliant work in their field? Matt Greer (Frank Carter & The Rattlesnakes) – a pleasure to deal and doing brilliant work with the band. Do you think there are any positive opportunities or changes in the music industry you believe we will see happen “once we’re though the other side of all this” (Covid)? The audience will cherish and value the live experience even more than before – live music in 2021 and beyond will be booming. Is there anything you would like to say to managers who are considering working with you at Music Insurance Brokers or finding out more about what you do? Whatever you do in the music industry then talk to us – we can help 😀 Thank you Steven and Music Insurance Brokers for supporting the MMF and our membership through our Associates programme. For more information please visit the Music Insurance Brokers website or contact Steven Howell at [email protected]

https://themmf.net/interview/meet-our-associates-8-steven-howell-music-insurance-brokers/

The pandemic changed the way we look at many things, but nothing more so than healthcare. This huge paradigm shift also catalyzed an increased demand for insurance, while also shifting the ways that we expect insurance to cover our daily lives. With traditional insurance policies, a rigid set of terms dictate which health incidents are covered and the conditions that need to be met in order to receive a payout. An emerging format of insurance, known as Parametric insurance (PI) is a type of insurance that is becoming the preferred approach to insurance coverage. Winner of Connect: Market Innovators is an insurance company Raincoat which utilizes this type of insurance in a unique way to provide for modern needs. Let’s take a closer look at how Raincoat has created a breakthrough approach to PI and is helping to provide a more relevant approach to insurance in 2022. Insuring People For Modern Needs Connect is a pitch competition that brings together leading media members and entrepreneurs from the world’s most innovative startups. Their latest event was focused on startups who are evolving industry markets to help better business. Winner Raincoat is a company that is trying to help insurance coverage meet modern needs through the use of PI, which has been heralded as a potential solution to inefficiencies seen through traditional insurance. Protecting a policyholder against the occurrence of specific events that are within their coverage scope, Raincoat works with insurers to identify the climate-related problems that are faced by clients that they cover. The company then leverages this information to build a fully packaged, end-to-end climate-related insurance software product. Bringing together a team of engineers, scientists, UX designers, and insurance experts, the company brings together minds that have helped formulate the next generation of insurance policies. Payments are then issued once this framework is met and are not contingent on a set of irrelevant prerequisites. This is something that is invaluable for people in areas that are prone to natural disasters, getting financial support to people when they truly need it. A Better Insured Future Currently, most people don’t have natural disaster coverage but according to a report from the UN, the number of disaster events is projected to reach 560 a year—or 1.5 each day, statistically speaking—by 2030. Raincoat looks to help patch this disparity and is currently active in corporate projects in Puerto Rico, Jamaica, Mexico, and Colombia. The company is on a mission to help democratize access to financial resilience for people everywhere. 2022 has proven to be a year of innovation, requiring markets to shapeshift in a fraction of the time that they did before. Pitching their company‘s concept alongside other rising entrepreneurs to a panel of noteworthy media, Raincoat showed that their solution is one that can better the insurance industry now and in the future. Disclosure: This article mentions a client of an Espacio portfolio company.

https://startupbeat.com/some-much-overdue-market-transformation-the-latest-winner-of-connect-event-is-helping-to-modernize-insurance-coverage/36192/

Day Zero is looming. for the hospitality, film and entertainment industries, the consequences could be dire. The first RISKAFRICA pop-up event deals with the water crisis in the Western Cape and the impact this will have not only on the tourism industry but on local industry at large. What does Day Zero mean for insurers and their policyholders? Will business interruption insurance cover drought? What about client refunds when there are cancellations or specific events are found to be impossible to run without water? RISKAFRICA has assembled the best experts in their fields and what they have to say might surprise and even shock you. Ticket sales for this pertinent event are open now to the interested public, insurance professionals and especially those working in the tourism, events and hospitality sectors Malherbe’s a highly sought-after international motivational speaker, extreme adventurer, TV presenter, youth developer, and author of The Great Run, but most of all he is a no-nonsense conservationist. national head of hospitality of Bryte Insurance Company Mizen has extensive experience in the short-term insurance industry, having started her insurance career with a broker. CEO of GrahamTek Holdings Steyn is an experienced international business executive and turnaround strategist. His experience of organisational leadership, principal consultant and C-level positions spans 24 years. owner and key individual of KEU Underwriting Managers Hattingh began her insurance career in 1996. She opened KEU, which specialises in the entertainment industry, especially film, TV and events, in 2001. Touching on different points ranging from adventure to politics to public interest, Spires’ passion is what drives him to make entertaining vlogs (video blogs) that the internet can enjoy.

https://fedhasa.co.za/risk-africa/

The Auburn Fire Department responded to a fire at the Boyle Center located at 149 Genesee Street on Friday, December 1 at 1:15 p.m. The Cayuga County 911 Center dispatched the firefighters following an automatic fire alarm. Upon arrival, the department’s Engine 4 crew confirmed a kitchen fire on the third floor of the residential building. The fire department’s quick response and efficient action confined the fire to the apartment where it originated, successfully bringing the blaze under control within 15 minutes. Following the containment of the fire, the fire department conducted a thorough ventilation process for all eight floors of the Boyle Center to clear smoke. Additionally, all apartments were checked to ensure the safety of the building’s occupants. During the incident, multiple residents were treated on-site for difficulty breathing by the Auburn NY City Ambulance. Fortunately, there were no reports of residents requiring hospital transportation due to the incident. Despite the successful containment of the fire, one resident was displaced due to the damage and received assistance from the American Red Cross. The Auburn Fire Department acknowledged the support of AMR Ambulance and City Code Enforcement in managing the situation. The quick and coordinated efforts of these teams played a crucial role in preventing further escalation of the fire and ensuring the safety of the Boyle Center’s residents. FingerLakes1.com is the region’s leading all-digital news publication. The company was founded in 1998 and has been keeping residents informed for more than two decades. Have a lead? Send it to [email protected].

https://www.fingerlakes1.com/2023/12/02/auburn-fd-extinguishes-fire-at-boyle-center-assists-residents/

As the insurance industry continues to undergo a dramatic transformation, with the adoption of Artificial Intelligence (AI) emerging as a pivotal remedy for age-old challenges. This technological shift isn’t merely about enhancing customer experiences; it’s also about refining internal operations for efficiency gains, as distriBind explains. In a landscape where AI-powered claims processing, chatbots for customer service, and predictive analytics for risk assessment dominate marketing narratives, the true transformational power often lies concealed behind catchy phrases. While these terminologies captivate attention, the essence of the ongoing evolution can be overshadowed. Operating within a complex back-end infrastructure involving underwriting, claims management, policy administration, and more, the insurance sector has long grappled with inefficiencies, manual processes, and rising operational costs. These challenges, often overlooked, impede progress, leading to errors and delays. Enter distriBind, offering a groundbreaking data exchange solution that eliminates manual pre-processing from daily tasks. This innovation provides clear insights into data quality and contractual validity, preventing costly mistakes while enhancing operational efficiency. With a client base identifying significant unclaimed amounts due to policies written outside delegated arrangements, distriBind’s solution proves its mettle in rectifying past errors and streamlining processes. distriBind’s accolades include receiving a grant for developing a proprietary Machine Learning algorithm, the Premium/Capacity Utilisation Predictor. This cutting-edge algorithm leverages contract-specific seasonality patterns to generate insightful predictions, revolutionising insurance analytics. So, while the allure of catchy AI phrases is undeniable, the true transformation lies in overhauling back-end processes. distriBind believes that prioritising this evolution will enable insurers to lead the industry by delivering efficient, customer-centric, and sustainable services, surpassing the appeal of mere marketing slogans. Keep up with all the latest FinTech news here Copyright © 2023 FinTech Global

https://fintech.global/2023/11/22/the-need-for-back-end-office-process-automation-in-insurance/

General Search & Recruitment (GSR) is a professional staffing firm with over 43 years of experience in the insurance industry. Our expertise lies in insurance risk management recruitment, focusing on underwriting, claims, and sales positions. We have honed our skills in identifying the most talented individuals in the insurance sector. Our comprehensive recruitment process covers everything from sourcing to screening. We stay updated with the industry's pulse, allowing us to build strong relationships with both professionals and employers. At GSR, we continuously refine and redefine the recruitment process to ensure the best possible matches between candidates and employers. As insurance risk management recruiters in Virginia, we understand the unique challenges and requirements of the local market. Our extensive network and knowledge of the industry enable us to connect businesses with top talent and help professionals find their ideal career opportunities. Expertise in Insurance Risk Management Recruitment - Insurance underwriter recruitment - Claims adjuster recruitment - Insurance sales recruitment In order to provide you with the best candidates, we actively source and screen individuals who possess the skills and experience necessary to excel in insurance risk management. We understand the importance of finding professionals who can effectively assess and mitigate risks, ensuring the success of your business. At GSR, we have built strong partnerships with leading insurance companies and professionals in Virginia. Our track record of successful placements speaks for itself. Connect with Us Stay updated with our latest news and updates. Connect with us on LinkedIn: Gain industry insights from our trusted partners: Discover the best insurance risk management talent in Virginia.Contact us now

https://gsr4you.com/insurance-recruiters/insurance-risk-management-recruiters-in-virginia/

Suez Canal blockage to cost reinsurers hundreds of millions of dollars Ships typically have protection and indemnity (P&I) insurance covering third party liability claims, including environmental damage and injury. Alan Mackinnon, chief claims officer with UK Club, the Ever Given’s P&I insurer, told Reuters it expected a claim against the ship’s owner from the canal authorities for possible damage to the canal and for loss of revenues. "I expect we will get a claim from the Egyptian authorities quite soon and the claims from the other shipowners will trickle in over the coming months," Mackinnon told Reuters. The blockage held up an estimated $400 million per hour in international trade, according to the German insurer Allianz. The UK Club will cover the first $10 million of P&I losses while the wider pool of P&I insurers will cover up to $100 million. Reinsurers such as Lloyd’s of London could face up to $2.1 billion of claims. "This is not an existential moment for the P&I sector. It may be a large claim, but we are structured to deal with large claims," Mackinnon said. Suez Canal Authority chairman Osama Rabie said earlier this month that the exact amount would be calculated after an investigation was conducted, but gave no indication as to when the process would be completed. International trade was thrown into disarray when the 400-meter-long Ever Given ran aground in the canal on March 23. A specialist rescue teams took six days to clear the passage, while some among 400 vessels affected by the canal’s closure circumnavigated Africa to get supplies to global markets. Analysts at the insurance firm DBRS Morningstar told Reuters that total insured losses "will remain manageable given the relatively short period of time that the canal was blocked". The causes behind the unprecedented shutdown, which added to the strain posed by the pandemic on the shipping industry, have yet to be ascertained. Egypt's first female ship captain, Marwa Elselehdar, was the topic of a false internet rumour that accused her of blocking the Suez Canal. Investigators are currently analysing the Ever Given's black box, which is expected to provide an explanation for the unlikely grounding. The incident will likely result in years of litigation to recoup the costs of repairing the ship, fixing the canal and reimbursing shippers for the disruptions. The multiplicity of actors involved in managing the mammoth cargo ship – owned by a Japanese firm, operated by a Taiwanese shipper and flagged in Panama – is also expected to complicate liability claims.

https://www.newarab.com/news/suez-canal-blockage-weigh-heavily-reinsurers

ACE Group is targeting international retail and luxury goods retailers with new specialized insurance coverage that addresses everything from wedding dress delivery snafus to fallout from product recalls. The property casualty insurance and reinsurance giant is doing this through ACE Moda, a packaged insurance project designed to cover casualty and fire risks for companies in the fashion retail sector, particular to Iberia and Continental Europe. It follows the unveiling of ACE’s luxury goods practice in Europe earlier in the year Coverage highlights include “No dress, no bride” cover, which is designed to cover an insured’s expenses that stem from not delivering wedding dresses as scheduled due to an accident. José Ramón Martínez, property insurance manager for ACE in Iberia, explained that ACE Moda mixes innovation along with coverages that exist in the market but were not automatically included in policies. ACE said ACE Moda comes in response to client feedback and links ACE’s various points of expertise in the retail sector. ACE said the product is designed to complement its other insurance offerings in areas including group personal accident and business travel, directors and officers liability, crime and marine. Other coverage features of ACE Moda: automatic inclusion of non-standard clauses such as cover for image restitution expenses stemming from product recall. Policyholders can also include terrorism and political violence cover in the same policy. As well, they can structure their coverage on a multinational basis, from the launch of the retailer’s first store overseas. Clients can access ACE’s global network and specialized multinational services. ACE recently announced a $28.3 billion deal to acquire The Chubb Group. It also disclosed plans to double its terrorism, political violence and war insurance capacity. Source: ACE Group

https://www.carriermanagement.com/news/2015/07/14/142480.htm

Welcome to Guardian Insurance and Investments, headquartered in Tyler, Texas, your trusted partner in protecting what matters most to you. We understand that finding the right insurance coverage can be overwhelming, but rest assured, you've come to the right place. At Guardian Insurance and Investments, we pride ourselves on offering a seamless and convenient online experience that allows you to compare quotes from multiple top-rated insurance carriers. Our cutting-edge rating system ensures that you receive the best possible coverage at the best possible price, tailored to your unique needs. Whether you're looking to safeguard your home, your vehicle, your business, or your loved ones' future, we've got you covered. Our comprehensive range of insurance options includes home insurance, auto insurance, commercial insurance, and life insurance. With Guardian Insurance and Investments, you can have peace of mind knowing that you're protected in every aspect of your life. But what sets us apart from the rest? It's our unwavering commitment to exceptional customer service. Our team of dedicated insurance experts is here to guide you every step of the way, ensuring that you make informed decisions and receive the personalized attention you deserve. So why wait? Take control of your future today and join the Guardian Insurance and Investments family. Let us be your shield against the uncertainties of life. Explore our website, get a quote, and experience the ease and efficiency of our online rating system. We're confident that once you've experienced our exceptional service, you'll never look back. Thank you for choosing Guardian Insurance and Investments. We look forward to serving you and protecting what matters most to you. Founded in 2023 by Max Stewart, a dedicated insurance and investments professional with a Bachelor of Business Administration in Finance from Oklahoma City University’s Meinders School of Business, our company is committed to delivering exceptional insurance solutions. Max, brings a wealth of knowledge and experience with insurance licenses since 2017 and a diverse background in the investment sector, covering stocks, mineral interests, oil and gas, and real estate. Currently pursuing certification as a financial planner from Southern Methodist University, with an expected completion date in March 2024, Max is driven to empower clients with comprehensive financial guidance. At Guardian Insurance and Investments, we specialize in a range of insurance products, including home, auto, life, annuities, disability, long-term care, business and commercial insurance. Max's vision is not just about providing coverage but also about educating clients on various investment options, fostering a financially stress-free life. Outside the professional realm, Max is happily married to Reann Stewart, an attorney based in Tyler, TX. Their family includes a son named Pierce and two delightful dogs, Scout and Bella. Max's passion for helping clients secure the best coverage at competitive prices reflects his commitment to making a positive impact on their lives. Choose Guardian Insurance and Investments for a partner dedicated to safeguarding your assets and guiding you towards a more secure financial future.

https://www.guardianinsures.com/about-us.html

Staebler Insurance is excited to announce Joanna Mendonca, Business Development Manager, has been appointed a territory Team Leader on the Young Brokers Council (YBC) of the Insurance Brokers Association of Ontario. The YBC inspires young brokers, develops ideas, and provides leadership training for insurance professionals under 40 across Ontario. In short, they encourage the growth of the next generation. There are only 12 YBC Team Leader positions across Ontario so Joanna is naturally grateful to be involved with the council. “I am so honoured and humbled to have been selected as a YBC Team Leader,” says Joanna, whose insurance experience spans more than 11 years. “The YBC is a passionate group of young brokers that believe in and support the industry.” As Team Leader for Territory 7, Joanna is responsible for much of Southwestern Ontario including Waterloo Region, the County of Brant, Brantford, Paris, Guelph and part of Wellington County. Joanna added: “I have made it a focus at this stage of my career to become more involved in the industry as an advocate for the broker channel. I hope to become a proponent for change and progress in the insurance industry and to inspire other young brokers to do the same.” The first YBC meeting of 2018 was earlier this week in Toronto. It was a chance to meet the new leaders, discuss hot topics affecting brokers and begin planning events, including the Young Brokers Conference in June. “Great energy in the room and a lot of great ideas shared around the table,” said YBC President Sean McNamara. “We have a fantastic year ahead.” For more information and to get involved with the Young Brokers Council, visit: YBC Team Leaders | IBAO | Insurance Brokers Association of Ontario

https://www.staebler.com/staebler-insurance/staeblers-joanna-mendonca-appointed-to-the-ybc/

PINO MARKETS LIMITED PINO MARKETS LIMITED is an online trading broker that trades on Forex, Index, Metals, Metals, Commodities, Cryptocurrencies, and Shares. The base currency on this platform is USD. This broker is based on the MetaTrader4. It has applications for Android, iOS, and Windows. This broker has a wide range of products with a lower spread. This broker provides superior technology with fast and reliable technology. PINO MARKETS LIMITED has a demo account and a real trading account. Both of these accounts are based on the MetaTrader4 platform. Maximum leverage in these accounts is 1:100. The margin call is at 100%. The forced closing out level is at 50%. The minimum lot size per transaction is 0.01. The maximum order size per transaction is 80 lots. But there is no limit on the maximum number of pending orders. PINO MARKETS LIMITED has a partnership program. Clients can be a partner with PINO MARKETS LIMITED just by introducing this broker to new clients. After the new client's first deposit, this broker sends the commission to the partner who referred. Any client can become the IB(Introducing Broker) of Pino with a low entry threshold. This broker satisfies all needs of IB with different types, levels, and experience. Partners will get more commissions if they introduce more. This broker has a highly competitive commission structure. There is an upper limit to this IB partner system. PINO MARKETS LIMITED claims to have 18 thousand partners all around the world. They also claimed that they have paid more than $320 million. Their claimed top partner payout per month is $878,000. As this broker has no reliable or trusted regulatory and it has so much bad feedback on wiki fx, clients should make their decisions wisely.

https://fxnewinfo.com/brokers/pinomarkets

Chubb and NetSPI Launch Cyber Protection Partnership Chubb, the world’s largest publicly traded property & casualty insurance company, has announced an innovative collaboration with NetSPI, a global leader in proactive security, to strengthen clients’ cyber-risk profile via enhanced attack surface management and penetration testing solutions. Chubb policyholders in the U.S. and Canada can take advantage of NetSPI’s full portfolio of proactive security solutions, including Breach and Attack Simulation (BAS), Attack Surface Management (ASM), as well as a suite of comprehensive penetration testing offerings, at preferred pricing, subject to applicable insurance laws. NetSPI’s suite of solutions can be tailored to support any size business across all industries. “This collaboration with NetSPI provides clients with peace of mind, enabling them to identify vulnerabilities, security issues, and exposure to risk before it escalates into a claim,” said Craig Guiliano, Vice President of Cybersecurity Threat Intelligence at Chubb. “This value-added solution is part of Chubb’s efforts to proactively identify cyber exposures that are difficult to detect using common scanning tools and to more broadly strengthen our policyholders’ security posture.” “We’re thrilled to empower Chubb clients to proactively confront cyber threats,” said Aaron Shilts, President and CEO of NetSPI. “Too often we see companies forced to react after incurring losses from cyberattacks that can severely impact their finances and reputation. Chubb understands the value of ensuring clients enhance their security apparatus and minimize their susceptibility to risk.” An advantage to the Chubb policyholder stemming from this partnership is the access to NetSPI’s industry-leading proactive security technology and expertise allowing Chubb policyholders to keep pace with an ever-evolving risk environment. As part of this collaboration, select Chubb clients are eligible to access NetSPI’s Attack Surface Management (ASM) platform at no cost. This solution continuously evaluates client attack surfaces for exposures and vulnerabilities. It utilizes its penetration testing expertise to decrease the probability and impact of a costly cyberattack, provide actionable insights for attack surface reduction, and decrease false positives to help teams prioritize remediation. Chubb offers insurance coverage for data breaches, network security, and other cyber risks, for over 20 years. With these new policyholder offerings, Chubb Cyber Insurance further provides more value-added benefits at a time when organizations are playing defense against the threats of data breaches, business interruption and reputational risk following a cyber incident. Chubb policyholders interested in learning more about NetSPI’s offerings and rates can submit a request via Chubb Cyber Services page here. For further information about Chubb Cyber Insurance, please visit here. - CGS International Securities Expands Securities Finance Capabilities with Broadridge SFCM Solution Read more - FinTech Wales opens the market at the London Stock Exchange to mark St David’s Day Read more - Aviva to enter Lloyd’s market via acquisition of Probitas Read more - Atlantic Global Risk Goes live with Novidea Insurance Management Platform to eliminate data silos and empower staff Read more - Innovate Finance Launches the first Unicorn Council for UK FinTech Read more

https://ffnews.com/newsarticle/fintech/chubb-and-netspi-launch-cyber-protection-partnership/

Logo umbrellas is to add your own brand logo to umbrellas. Whether it is a retail umbrella or a promotional umbrella, you should custom your own logo on the umbrella to show the company's brand. The main ways of Umbrella Custom Logo are Silk Screen Printing, Digital Printing, Sublimation Printing, Engraving, Sticker Epoxy, Laser, Spray Paint, Develop new Mold, Embroidery. Digital Printing can customize print any fabric color, design, pattern, logo, picture... And there is no minimum order quantity requirement. But after printing, we need to wash and fix the color to prevent color moving. We hava many umbrellas for custom logo, like: Golf Umbrella, Compact Umbrella, Wood Umbrella, Inverted Umbrella, Clear Umbrella, Mini Umbrella, Beach Umbrella, Patio Umbrella, Special Umbrella,.. And More. Compact Umbrella is loved by many people because it is easy to carry. And the transportation cost is low, retailers like to sell. Compact Umbrella handles have a lot of choices. The transparent clear umbrella will not block your view, and the canopy of the transparent umbrella mainly has two shapes, one is the ordinary canopy shape and the other is the bubble dome shape. Mini Umbrella is small in size and light in weight. We can put the mini umbrella in our pocket without even holding the bag. Mini Umbrella is mainly available in aluminum or steel. If you want to stay on the beach for a long time, how can you do without a beach umbrella. The beach umbrella no need a base, just insert the umbrella pole directly into the beach. And the canopy of the beach umbrella can adjust the angle. Patio Umbrella is a big umbrella, we don't need to move it often, just put it in our back garden, swimming pool or front yard. But now the hotel's patio umbrella base has wheels for easy cleaning. High-Density Fabric Options: 210T Pongee, 260T Pongee, 300T Pongee, 500T Pongee. Due to the high prices of 300T Pongee and 500T Pongee, many customers choose 210T Pongee and 260T Pongee umbrella fabric. Personalized Handle accepts customized shapes and colors, and materials. General umbrella handle uses plastic, we can use brass. The brass surface can be electroplated in color, and there is no problem with custom shapes. Luxury Packaging includes Sleeve, Leather Case, Carton Box, Luxury Sleeve will use sponge inside. The leather Case can be stamped with a logo, the Carton box can be customized Color and logo If the umbrella does not have a logo, who knows which company the umbrella belongs to. And we can’t know more information from the umbrella. If the umbrella custom your branded logo, when we see logo, we will think of your company and know more information about it. 3.Promoting your organization is essential and many businesses have had terrific results giving business gifts to their clients and employees. Not only do you enhance customer loyalty, but this can be a great way that you can market your company’s name as well. This is definitely one trend you’ll want to consider using for your organization. One of many popular promotional gifts today is actually logo umbrellas. They are cost effective plus a wonderful advertising and marketing choice. Everyone needs protection from rain and sun. This is the basic function of an umbrella. On rainy days, we walk outdoors. If we are not protected by an umbrella, rainwater will pour on us. If we do not dry in time, we will easily catch a cold. When the strong sunlight shines on our body, without the protection of an umbrella, our skin will be burned by the sun. When going out, an umbrella is an essential item for us.

https://towum.com/how-to-custom-logo-umbrellas/

The relationship between culture and policy has long been a major topic for media and cultural studies. With this issue, we hope to broaden the meaning of cultural policy, from policies that are explicitly regulating something we call the “cultural” (including media or traditional rituals or symbols) to include the practice of policy-making and the cultural legitimation of law and policy itself, regardless of the object or dimension of social life it regulates. The essays in this issue argue for (or at least accept) an understanding of policy as a cultural production representing certain ideological outlooks, and thus implicitly suggest that cultural policy studies should encompass a wide range of policies; at the same time, the essays are interested in the cultural mechanisms and means through which policies are promulgated and enforced - from think tanks to social media flak, from the global circulation of ideologies to the local practices of appropriation/resistance. Edited by Sean Johnson Andrews, Janice Peck, Gilbert B. Rodman, and Fan Yang (杨帆) Media:Culture:Policy, or What we talk about when we talk about (cultural) policy Sean Johnson Andrews, Janice Peck, Gilbert B. Rodman, and Fan Yang (杨帆) Caveat Emptor! The Rhetoric of Choice in Food Politics

https://scholarworks.umass.edu/cpo/vol6/iss1/

TOKYO (Reuters) – Three Japanese insurance companies that are set to halt marine coverage of risks related to the war in Ukraine starting next month are in talks with reinsurers to resume those operations, they said on Monday. Tokio Marine & Nichido Fire Insurance, Sompo Japan Insurance and Mitsui Sumitomo Insurance on Friday told shipowners that they would stop offering marine war insurance, which covers damage to ships from war in Russian waters, from Jan. 1, spokespeople at the companies said. Their comments confirmed local media reports on Saturday. The change could affect Japan’s imports of liquefied natural gas (LNG) among other energy and commodities. The insurers’ decision was prompted by global reinsurance companies saying they would no longer take on vessels’ risks related to the war, which Moscow began in February. The Russian government calls it a “special operation”. “We are negotiating with various reinsurers to get the war coverage in order to restart providing marine war insurance in the area to our customers,” a spokespeople at Tokio Marine said, adding that some reinsurers have responded “positively.” Sompo Japan and Mitsui Sumitomo Insurance are also searching for new reinsurers, their spokespeople said. Most vessels get two types of insurance: marine insurance covering damage from natural disasters and collisions, and marine war insurance covering damage from war or terrorism. Without marine war insurance, shipowners may give up operations in Russian waters, including picking up LNG from the Sakhalin-2 gas and oil project in Russia’s Far East. Japanese shipping company Mitsui OSK Lines said it is gathering information. Nippon Yusen will cooperate with the government and business partners, a spokesperson said when asked about its shipping plan from Sakhalin-2. The Sakhalin Island complex, partly owned by Gazprom and Japanese trading houses, accounts for 9% of Japan’s LNG imports. (Reporting by Yuka Obayashi. Editing by Gerry Doyle)

https://assetdigest.com/japan-insurers-in-talks-with-reinsurers-to-resume-coverage-in-russian-waters/

"Redbridge brought the experience and guidance required for this project, whilst approaching it in a very collaborative way… ready to roll the sleeves up with us. As a result we got the right outcome in the right timeframe." - Review exposure profile and support revised hedging policy - 21 currencies and Global scope. Range of ship management and marine services with varied currency profiles. - Hedging horizon: 3 years - Identify & analyse significant FX transactional exposures faced by V.Group - Assist management in redefining the FX risk appetite of key stakeholders - Prepare an implementation roadmap for the new FX risk management policy - Revised transactional FX risk management policy in line with current business circumstances and key stakeholders’ risk appetite - Clear policy implementation roadmap - Guidance on operational improvements in Treasury - Data analysis to identify significant FX transactional exposures to V.Group - Stratification of FX exposures by homogeneous characteristics (e.g. “known” versus “highly probable”, by line of business, by predictability of currency flows etc.) - Scenario planning of stratified FX cash flows to provide an indication of exposure under specific policy parameters and assist management determine their required risk appetite parameters. Documentation of the new FX risk management policy - Preparation of a roadmap to align existing hedges in place to the new FX Treasury Policy - Documentation and communication of other potential improvement areas identified Value added by Redbridge - Project management in collaboration with senior management and operational teams - Tight schedule control and adherence to agreed timeframe - Experienced project team with suitable seniority level - Key stakeholders’ expectations management - Deep knowledge and expertise in treasury FX strategy and operational treasury best practice

https://www.redbridgedta.com/case-studies/v-group-transactional-foreign-exchange-risk-management/

XL Catlin celebrates North America construction premium boost Bermuda-based XL Catlin’s North America Construction business has reached what the company described as a significant milestone reaching $2 billion in gross written insurance premium in the seventh year of operation. “In 2010, at a time when the construction industry was struggling from an economic downturn, XL Catlin invested in building a dedicated insurance business focused on delivering the effective risk management guidance, services and insurance products to North America’s top contractors when they needed it most,” said Gary Kaplan, XL Catlin’s North America construction leader. “Now, with commercial construction activity in full swing, our clients are clearly seeing the benefits in working with the market’s experienced construction risk management team to help maintain their forward momentum. Our significant premium climb – doubling our GWP in just about 18 months – is proof.” XL Catlin pointed out that the US construction industry saw more than $1.7 trillion in revenue in 2016 with more than 729,000 construction companies employing over 7.3 million people, citing US Census Bureau statistics. A recent Dodge Data & Analytics survey predicts a 5 percent growth in construction start-ups in 2017. “Construction risks are complex and very few insurance carriers have the ability to comprehensively address these risks. But I’m proud to say that we do,” said Kaplan. “Our success in such a short period of time hinges on this team’s ability to build long-term relationships with contractors, clearly understanding their changing business needs and issues they face and providing them with products and services that help them protect their profitability, maintain a competitive edge and improve safety on the jobsite.”

https://www.bermudareinsurancemagazine.com/news/xl-catlin-celebrates-north-america-construction-premium-boost-3394

New Building Notification FormApril 22, 2022 New Unimutual Board Member – Dianne AllenMay 5, 2022 Cyber onboarding – Incident Response This Webinar is delivered to you by AXA XL with guest presenters from Crawford & Co and Headsure. Your Unimutual Cyber Protection includes a lot more than just coverage – it comes with a dedicated claims team to help you navigate through a cyber security breach. In this webinar AXAXL and Crawford & Co will focus on their Incident Response process, the steps involved in developing your incident response plans, and how they help you respond and recover so you can keep moving forward if you suffer an incident. Login below to listen to the full webinar, and download the handouts. A Rapid Response is Critical in the First 48 Hours after a Cyber Incident. - Be Aware –you have access to a pre-approved Cyber Incident Response Service on 1800 466 380 - Be Prepared –have a Cyber Incident Response Plan, practice it and be ready to respond - Execute with Speed –the first 48 hours is critical, call the Hotline and execute your Cyber Incident Response Plan at velocity |Matthew joined AXA XL in 2018 as a Claims Specialist for International Financial Lines following 6 years in private practice. He is a qualified solicitor with a Masters of Laws. Matthew has experience dealing with professional & management liability, cyber, and D&O claims. In his role as the Cyber Claims Lead, he works closely with the Product Lead to address emerging risks including ransomware claims and delivering pre-loss onboarding to insureds and brokers. Financial & Forensic Accountant, Crawford & Co |Lucas Bressanutti is an experienced Cyber Incident Response Manager, Chartered Accountant and loss adjuster. Lucas has worked at Crawford’s for the last 19 months with a prime focus on Cyber. Lucas has assisted a variety of businesses including government bodies, public organisations and SME’s in responding to and overcoming cyber events. More content available to Members OnlyLogin To Unlock The Content. Read other Cyber and Technology related articles here Watch other webinars here To be kept informed of future webinars, breaking news and pressing risk issues which may affect you, follow us on LinkedIn.

https://unimutual.com/webinar-cyber-incident-response-april-22/

(Image credit: Ioannis Ioannidis/Photos kast.) Sapiens International Corporation, (Holon, Israel), a global provider of software solutions for the insurance industry, has partnered with GreenRoad Technologies, a provider of advanced and predictive driving risk analysis for the automotive industry. The partnership aims to provide automotive insurance carriers with a new level of risk assessment data about their drivers on a dynamic basis, making it possible for them to provide more competitive, personalized driver insurance premiums, customer-centric services and proactive risk-prevention programs, according to a Sapiens statement. GreenRoad Technologies’ mobile app-based solution provides analysis of driver behavior, detecting and ranking more than 150 different complex driving maneuvers. Its high level of assessment is designed to empower drivers to improve their own behavior while enabling insurers to make smart, data-driven policy decisions and to provide policy holders with the personalized service they demand, according to the Sapiens statement. Armed with this data, insurers will be able to offer enhanced services such as PHYD (Pay How You Drive) and MHYD (Manage How You Drive) products, confidently providing discounted premiums and differentiated risk levels based on accurate, individualized criteria, the vendor sasy Enhancing the Services Insurers Can Offer “With Tesla and Amazon entering the car insurance market, now is the time for existing insurers to embrace innovation and harness the latest digital and AI-based technology to drastically enhance the services they provide,” comments Roni Al-Dor, Sapiens President and CEO. “Sapiens is thrilled to partner with GreenRoad Technologies. There is a natural synergy between Sapiens expertise in equipping the insurance industry with the latest software, and GreenRoad’s cutting-edge solutions. Through our combined efforts we seek to enhance the services and products insurers operating in the automotive industry are able to provide, while simultaneously boosting driver safety.” GreenRoad’s technology utilizes real-time coaching, gamification and scoring mechanisms through an easy-to-use mobile app to increase client engagement and maximize driver safety. Sapiens asserts that use of GreenRoad’s platform leads to dramatic improvements in driver safety and a significant reduction of fleet risk and expenses with up to 50 percent reduction in preventable collisions and up to 80 percent reduction in accident related costs. The solution also prompts more efficient driving styles, resulting in a reduction in fuel consumption and carbon emissions, the vendor says. “In an increasingly competitive insurance landscape, we are excited to partner with Sapiens to bring disruptive innovation to the market, providing insurers with the means to profitably personalize their offerings and to take a proactive approach to risk reduction,” comments, David Ripstein, CEO, GreenRoad. “The data collected by our joint offering will support dynamic premiums for drivers, positioning insurers ideally to compete and retain their customers. Moreover, the ease of onboarding our platform with Sapiens technology will go a long way toward enabling the digital transformation of the automotive insurance field—a revolution that is needed today more than ever. We look forward to working with Sapiens to dramatically enhance the insurance sector, saving lives and reducing expenses as we change driver behavior.”

https://iireporter.com/sapiens-partners-with-greenroad-technologies-to-integrate-driver-risk-analysis/

Achiever's Success Story Bimaplan: Pioneering Insurance Inclusion in India with Cutting-edge Insurtech Bimaplan is building India’s largest insurtech platform to provide essential insurance products to people currently underserved by existing solutions and lacking access to formal risk protection. Its full-stack embedded insurance platform UNO enables businesses to distribute relevant insurance products to their customers seamlessly. Bimaplan enables the distribution of insurance products customized as per the customers’ needs. It focuses on providing effective policies at a low premium ($5 to $50 per year) with its end-to-end digital process that can prove to be a game-changer in improving insurance penetration. It is focusing on enabling the distribution of insurance products for life, health, travel, group medical and accident cover along with wellness products such as daily hospital cash, teleconsultation. Bimaplan’s mission is unmistakable: to bridge the gaping insurance chasm in India by delivering tailor-made insurance solutions to individuals who have historically been excluded from the insurance framework. Powered by an end-to-end digital process, Bimaplan stands on the brink of revolutionizing insurance penetration across the nation. At the heart of Bimaplan’s offerings lies UNO, which empowers businesses to seamlessly integrate pertinent insurance products into their customer interactions. This strategic move streamlines the decision-making process for customers, rendering insurance products more pertinent and accessible. Bimaplan’s multifaceted approach aims to elevate the overall customer experience, particularly during the often complex claims process. Bimaplan does not operate in isolation; it has cultivated partnerships with an extensive array of stakeholders, encompassing financial services firms, tech startups, e-commerce platforms, and businesses spanning various sectors. This collaborative approach enables Bimaplan to fashion insurance products that precisely cater to the unique needs of its partners and their user bases. One noteworthy partnership is with a prominent traveltech platform, where Bimaplan now offers real-time travel insurance to an extensive customer base spanning 500 cities and comprising 2 million users. Furthermore, Bimaplan is actively facilitating the distribution of credit life insurance in rural areas through collaborations with financial services companies. The impact of Bimaplan’s endeavors is already manifest, with over 750,000 customers benefiting from their insurance solutions and a burgeoning network of more than 60 partners. Bolstered by an impressive month-on-month growth rate of 20%, Bimaplan harbors ambitious aspirations to expand its outreach further, with the goal of serving over 10 million users by the culmination of the fiscal year 2025. Bimaplan’s unwavering commitment to democratizing insurance in India stands poised to transform the lives of millions, ultimately making affordable and comprehensive coverage an attainable reality for those who need it most.

https://www.iafindia.com/bimaplan/

NOGEPA 2.9B Helicopter Fire-FightingBookLast booked 27 minutes ago The NOGEPA 2.9B Helicopter Fire-Fighting training is a recurrent training that is intended for everyone who is in possession of a NOGEPA 2.9A Helicopter Fire-Fighting certificate. The NOGEPA 2.9B Helicopter Fire-Fighting training is for personnel on a small offshore platform where there is insufficient staff to form a Fire-Fighting Team. Another condition is that it is not possible for helicopters to load fuel. The Helicopter Landing Officer (HLO) or Helicopter Deck Assistant (HDA) are responsible here in case of calamities. - Timetable:1 day - Certification:2.9B NOGEPA - Validation:2 years - Requirements:A valid offshore medical certificate, additional medical certificate for wearing breathing apparatus A valid NOGEPA 2.9A or NOGEPA 2.9B certificate More information about NOGEPA 2.9B Helicopter Fire-Fighting During this NOGEPA 2.9B Helicopter Fire-Fighting training, the participant refreshes their memory regarding fighting a helicopter fire and successfully carrying out rescue operations. This is done via both theory lessons and practical lessons. For instance, in the practical part, there is helicopter firefighting and rescue operation training during a fire. There is training relating to helicopters that are suffering from an engine fire, a fire in the cockpit, cabin, or baggage compartment, and putting out a liquid fire caused by a fuel leak. Kindly note, from now on we train according to de newest NOGEPA Handbook. This means that there is add a new module, Breathing Apparatus. The delegate needs also an offshore medical certificate with ERT. The course is extend with one day part. - Theory on the treatment of helicopters and the risks of helicopter movement - Theory on helicopter firefighting and rescue - Practical training for firefighting in the helicopter and rescue operations during a calamity - Use of a foam monitor, fire hose, and small fire extinguishing equipment - Rescuing passengers from a helicopter Certified OPITO, NOGEPA, GWO and STCW training courses Unique locations at the most convenient places around the world Training when it suits you Flexibility is paramount Our training courses are never cancelled

https://fmtcsafety.com/en/courses/nogepa-2-9b-helicopter-fire-fighting/

Risk Strategies Broker Margaret Bussiere Recognized as a 2022 Fine Arts Power Broker Margaret Bussiere, Vice President, Team Lead-Fine Art, Risk Strategies When the Cartin Collection wanted to maintain its insurance on several works out on loan to the Paris Museum of Modern Art, Margaret Bussiere stepped in to make sure the policy was a good fit. The Cartin Collection wanted to maintain its insurance because if a claim arose, it didn’t want to rely on the borrowing institution’s policy to provide sufficient coverage. The collection is very prestigious. Bussiere worked her carrier connections and found someone who in a single afternoon wrote the appropriate contract language so the existing coverage could stay in place. “She understands the unique needs of a private collection such as ours,” Steve Holmes, curator for the Cartin Collection said. “This loan was really important, and it would not have happened had she not been able to find a workaround.” When the basement at another client’s gallery flooded, Bussiere “held their hand” through the claims process and subsequent renewal. Her dedication to her clients is borne out of a love for art and a desire to see it protected. Before beginning her brokerage career, she earned a masters degree in art history and worked in galleries and museums. “She worked really hard to try to ensure that our policy is always the best fit for us, and she takes a lot of care in making her recommendations to ensure that we’re getting the best service and the best coverage,” said Erin Schuppert of the Menconi + Schoelkopf gallery. “I always know that I can come to her and she would be really happy to help.” 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/risk-strategies-broker-margaret-bussiere-recognized-as-a-2022-power-broker/

SY COMPACT Travel Umbrella Windproof Automatic Umbrellas-Factory Outlet umbrella Introducing the SY COMPACT Travel Umbrella – your perfect companion for any unpredictable weather condition! This windproof and automatic umbrella is a game-changer when it comes to shielding you from rain, wind, and even harmful UV rays. Say goodbye to unreliable umbrellas in the midst of a downpour, as the SY COMPACT Travel Umbrella is here to keep you dry and protected. Crafted with a keen attention to detail and the highest quality standards, this umbrella boasts durability and longevity. Its sturdy construction ensures it won’t flip inside out even in the most intense windy conditions, making it a reliable choice for any outdoor activity or daily commute. The automatic open and close feature effortlessly expands and collapses the umbrella at just a push of a button – no more fumbling around in the rain, struggling with a stubborn umbrella! The compact design allows you to conveniently carry it in your purse, backpack, or briefcase without sacrificing valuable space. It’s designed with portability in mind, making the SY COMPACT Travel Umbrella a perfect travel companion. Protecting you from not only rain, this versatile umbrella also blocks harmful UV rays, providing you with an added layer of sun protection. The specially coated fabric offers an excellent defense against the sun’s harsh rays, keeping your skin safe, especially during those sunny and unpredictable weather days. Designed and manufactured at our cutting-edge factory, the SY COMPACT Travel Umbrella is the epitome of quality and functionality. Our commitment to excellence ensures that you receive a product that not only meets but exceeds your expectations. With our factory-direct outlet, you can purchase this remarkable umbrella at an unbeatable price point, without compromising on its superior features and performance. Take control of the elements with confidence and style. Choose the SY COMPACT Travel Umbrella – your go-to solution for staying dry, protected, and fashionable at any given moment. Don’t let the rain dampen your spirits – get your very own SY COMPACT Travel Umbrella today and embrace the unpredictable weather like never before!

https://toptravelist.com/product/sy-compact-travel-umbrella-windproof-automatic-umbrellas-factory-outlet-umbrella/

2023: Insurtech In Review The year 2022 was characterized by a pronounced move towards digital and embedded insurance solutions. Notable moments included Applied snapping up Tarmika, Ethos’s acquisition of Tomorrow, Travelers taking over Trov’s technological assets, Experian’s integration with Gabi, Hub’s acquisition of parts of Insureon, and GEICO’s strategic shift to limit phone sales across various states. Additionally, this was the year when State Farm invested in ADT, FOXO went public, and despite high expectations, Kin and Policygenius chose to stay private. Let’s not forget the noteworthy entry of Amazon and Lemonade into the UK insurance market. 2023 isn’t all that different. Here’s a quick rundown. In January, cyber MGAs realized their full-stack aspirations. Coalition, after purchasing Digital Affect Insurance Company from Munich Re, began rolling out new SMB cyber insurance programs across states under its new name, Coalition Insurance Company. Similarly, At-Bay finalized acquiring At-Bay Specialty Insurance Company, a Delaware-based excess and surplus lines P&C insurer licensed in 44 states, from XL Insurance America. Root started the year unraveling questionable 2022 marketing agreements made by former CMO BC Silver, who admitted to embezzling $10.2 million. At GEICO, CTO Linda Apsley’s departure, officially for family reasons, has sparked speculation of an underlying push. Assurant introduced APEX, their newest embedded insurance product, capitalizing on data showing a 32% boost in purchase interest when offered at checkout. Duck Creek shifted from public to private following a $2.6 billion all-cash buyout by Vista Equity Partners. In the life and health arena, digital life insurance startup Dayforward secured a $25 million funding round, led by AXA Venture Partners and supported by HSCM Ventures, Juxtapose, and Munich Re Ventures. The company also acquired Commercial Travelers Life Insurance Company from National Guardian Life Insurance Company. Lastly, The Hartford parted ways with Putty, while Skyward Specialty began trading under the ticker SKWD as of January 13th. Major moves included Mutual of Omaha Mortgage acquiring Keller Mortgage assets, AIG launching Private Client Select for affluent markets, and BNP Paribas Cardif partnering with Lemonade in France. The Canadian insurance landscape saw the entrance of Securian Canada following the rebranding of Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company. Notably, Assurance IQ, after a long streak of losses totaling $381 million, finally reported a $29 million profit. However, Prudential faced a setback with a significant goodwill impairment charge for Assurance IQ. Finally, Smart Employee Benefits, a public health benefits and technology company, went private following its sale to the Co-operators. Silicon Valley Bank closed on March 10, marking a notable banking event. Swiss insurer Helvetia launched a direct customer contact service using OpenAI’s ChatGPT, a pioneering move in the industry. TD introduced TD Insurance for Business in Canada, in partnership with AmTrust. Hippo announced a $50 million stock repurchase program and has a current market cap significantly lower than its peak valuation. AAA Northern California discontinued its House Manager service. Insurify agreed to acquire Inspop USA and its subsidiary Compare.com, planning to maintain the Compare.com brand. Most strikingly, Health IQ’s major investors wrote off their entire investment in the once highly-valued startup. Policygenius merged with Zinnia, a move described as strategic but had adverse effects on its employees. In another key event, flood insurance company TypTap withdrew its IPO plans. Meanwhile, Swedish automotive startup Volta Trucks, on the brink of bankruptcy, appointed Qover to power its insurance offering, backed by Helvetia – a super-short-lived embedded insurance play. In the technology domain, American Family launched Fixle, a mobile app designed for homeowners to manage home systems and appliances, with Evolv Inspection Solutions becoming its latest client. Bivvy, the pet insurance brand by TruStage, has ceased operations. Prudential has discontinued its separate reporting segment for Assurance IQ, now integrating it into the company’s “Corporate and Other” operations. OnStar has ended its partnership with American Family, choosing instead to underwrite and issue policies through OnStar National Insurance Company. Vivint has abandoned its MGA ambitions, selling its portfolio of 15,000 policies to Goosehead for $5.5 million JAB has followed its usual strategy by acquiring a major part of Pumpkin Petcare. Hub closed a $6.9 billion debt financing round and announced a total enterprise valuation of $23 billion, which represents “the largest enterprise value to date for a private insurance broker.” Wholesaler SageSure closed a $250 million PE round. Vet care startup Fuzzy ceased operations. Sensa Insurance Company began directing agents to find alternative coverage for its policyholders with different insurers. MassMutual decided to discontinue the consumer-facing brands AgeUp and later Haven Life. Meanwhile, classic car insurer Hagerty raised $105 million from strategic investors, following its $3 billion valuation in its 2021 public listing. Insurance Quantified acquired Groundspeed Analytics, a P&C data and analytics company. McDermott’s second insurtech summit took place on June 15th. Sun Life Financial announced plans to acquire the Canadian telemedicine platform Dialogue for approximately $365 million. Duuo, operated by Co-operators, launched its first embedded insurance API, enabling partners to integrate insurance offerings into their digital platforms. Toggle, a Farmers subsidiary, expanded into home insurance. Amazon declared that it would discontinue its Amazon Halo service, a health and wellness product featuring a wearable device and AI-powered features, effective July 31, 2023. Finally, Wejo Group, known for its connected car technology, made all of its employees redundant, and allegations have surfaced regarding Vesttoo’s misstated collateral. Direct Auto Insurance acquired SafeAuto. Paychex acquired business insurance startup Huckleberry. Acturis, a UK-based electronic placement platform, took over Broker Buddha, enhancing its technological capabilities in the commercial insurance application and renewal processes. Zurich Holding Company of America acquired SpearTip, specializing in cyber threat management. Goodcover, known for renters insurance, branched into car insurance with the launch of Goodcover Auto. IAG streamlined its operations by shutting down its 70-person innovation unit. Vesttoo files for Chapter 11 bankruptcy protection in the US. USI Insurance Services announced a new equity investment exceeding $1 billion from its existing shareholder, KKR. In the startup arena, home insurance company Openly secured $100 million in Series D funding led by Eden Global Partners, bringing its total funding to approximately $238 million. Vitality, a London-based insurer, decided to discontinue its car insurance program that had been operational since June 2021. Caribou exited the insurance space. Meanwhile, Zillow integrated renters insurance into its app and website, with Homesite underwriting the coverage. In the realm of mobile technology, State Farm joined USAA and Progressive in implementing crash detection capabilities, powered by Cambridge Mobile Telematics, into their mobile apps. Lastly, Health IQ filed for bankruptcy with plans for liquidation and London-based digital health firm Babylon sold most of its UK assets to eMed Healthcare UK, a subsidiary of US company eMed, following the cancellation of its merger with Swiss firm MindMaze. After going public in 2021 through a $4.2 billion SPAC merger with Alkuri Global Acquisition, Babylon faced significant struggles, leading to its stock becoming virtually worthless, with a market cap of just over $5,000 and a share price of $0.00020. Dai-Ichi Life Holdings and group life insurance startup YuLife initiated a pilot program in Japan. Within this program, Dai-ichi Life is offering test users access to the YuLife app, which promotes employee well-being by incentivizing and rewarding healthy living activities. Meanwhile, Blink by Chubb has narrowed its product range to personal cyber insurance, discontinuing its income protection coverage. Howden Group Holdings announced the launch of Howden Ventures to accelerate insurance product development through an investment and risk incubator. Additionally, financial services company SoFi has partnered with Experian for home and renters insurance coverage, moving on from its previous partnership with Lemonade. Sam Altman experienced a brief firing before being rehired. Coalition expanded into the Australian cyber insurance market. Travelers agreed to purchase Corvus for ~$435 million. JAB acquired Embrace Pet for $1.5 billion, while Next Insurance secured a $265 million investment from Allstate and Allianz X. In a move echoing IAG, American Family closed its venture studio, Tenney 110. AXA XL Risk Consulting introduced the WISE tool for assessing water risks. Allianz pursued legal action against Revolut, demanding £10.4 million over a contract dispute involving travel insurance. Mortgage firm Better.com launched Better Insurance in collaboration with Sure and Toggle. Finally, WeWork, once valued at $47 billion, filed for bankruptcy, Hamilton began trading on the New York Stock Exchange under the ticker “HG” as of November 10, 2023, and the industry lost Charlie Munger. Tesla Insurance is now facing legal action over allegations of inflated car insurance premiums. The electric scooter startup Bird has filed for Chapter 11 bankruptcy. Nearmap, a mapping technology company, announced its intention to acquire Betterview, a property intelligence platform. Swiss Re has acquired Fathom, a UK-based firm specializing in analyzing water-related risks, especially in the context of current and future climate scenarios. Japanese insurer Sumitomo Life Insurance has proposed a full acquisition of Singaporean life insurance company Singlife. The deal includes buying a 35.48% stake from TPG for SGD 1.6 billion (about $1.2 billion) and an offer to purchase shares from minority investors. This follows their September announcement to acquire Aviva’s stake in Singlife. Aon announced plans to acquire NFP in a deal valued at around $13.4 billion, with payment in both cash ($7 billion) and Aon stock ($6.4 billion). Both Aflac and Trupanion have announced their decision not to enter the Japanese market.

https://coverager.com/2023-insurtech-in-review/

In the dynamic landscape of the technology industry, innovation and disruption are constant companions. As tech pioneers forge ahead with groundbreaking ideas, the need for comprehensive insurance solutions that understand and address the unique risks faced by these trailblazers becomes increasingly evident. In response to this demand, InnoSure introduces TechGuard, a specialized insurance offering designed exclusively for tech innovators. - Tailored Coverage: InnoSure TechGuard is meticulously crafted to cater to the distinctive needs of technology companies. It goes beyond conventional insurance products by offering coverage that is specifically tailored to the risks associated with technological advancements, intellectual property, and digital assets. - Cybersecurity Protection: In an era where cyber threats loom large, TechGuard provides robust cybersecurity protection. This includes coverage for data breaches, ransomware attacks, and other cyber risks that are prevalent in the tech industry. This ensures that tech pioneers can continue their operations with confidence, knowing their digital assets are safeguarded. - Intellectual Property Safeguard: Recognizing the critical importance of intellectual property in the tech sector, TechGuard offers specialized coverage for patent infringement, copyright violations, and other intellectual property disputes. This ensures that innovators can protect their ideas and inventions without fear of financial setbacks. - Product Liability Coverage: As technology products evolve, so do the associated risks. InnoSure TechGuard addresses product liability concerns specific to the tech industry, providing coverage for damages arising from faulty products or services. This is essential for companies involved in the development and distribution of cutting-edge technologies. - Business Interruption Protection: Tech pioneers often face unique challenges that can disrupt their operations. InnoSure TechGuard includes business interruption coverage, helping companies recover financially from unforeseen events such as system outages, supply chain disruptions, or regulatory changes. - Flexible Policy Options: InnoSure understands that each tech company is unique. TechGuard offers flexible policy options, allowing innovators to customize their coverage based on their specific risks, size, and operational characteristics. This ensures that insurance solutions align seamlessly with the diverse needs of the tech industry. - Risk Management Support: Beyond insurance coverage, InnoSure TechGuard provides valuable risk management support. This includes access to experts who understand the intricacies of the technology sector, offering guidance on risk mitigation strategies and best practices. InnoSure TechGuard emerges as a beacon of assurance for tech pioneers navigating the ever-evolving landscape of the technology industry. With its tailored coverage, emphasis on cybersecurity, intellectual property protection, and flexibility, TechGuard stands as a testament to InnoSure’s commitment to supporting innovation. As tech pioneers continue to push boundaries, InnoSure TechGuard ensures that they can do so with the confidence that their risks are well-managed and their future is secure.

https://humrahenarahehum.net/innosure-techguard-insurance-tailored-for-tech-pioneers/

It’s been four years since Tesla revealed the Cybertruck, a bulky EV that the manufacturer describes as “built for any adventure.” After infamously cracking the window while trying to demonstrate the vehicle’s durability, Elon Musk and company have been retooling and working on the Cybertruck behind the scene for the past handful of years. At today’s Delivery Event we learned several new details about the Cybertruck including the fact that its maximum range has gone down considerably since its initial reveal. The updated specs for the Cybertruck came during the Delivery Event today. Hosted by Elon Musk, the event featured the latest look at the EV and the delivery of the first vehicles to consumers. The updated specs reveal that the Cybertruck’s range is 340 miles (All-Wheel Drive) and 320 miles (Cyberbeast) depending on which model you buy. This is a considerable drop from the 500 miles that the Cybertruck originally boasted. While the 500 mile range would’ve made the Cybertruck by far Tesla’s longest-range vehicle, the 320-340 range puts it much more in line with the manufacturer’s other offerings. That said, Tesla does have a solution for users still looking to squeeze every mile possible out of their Cybertruck. Tesla is selling a range extender that will increase the Cybertruck’s mileage by roughly 130. It’s unclear how much the range extender will cost. The Cybertruck reveal also included a segment in which the vehicle was shown to tow a Porsche 911 faster than the sports car can drive on its own. The company showed the vehicle driving on a variety of different terrain and being used to power other products and appliances. Lastly, the Cybertruck has received a significant price hike since its initial reveal. Outside of the handful of vehicles delivered by Elon Musk today, Cybertruck shipments are expected to happen in 2025. Donovan Erskine posted a new article, Tesla Cybertruck removes mention of 500-mile range three motor model the scammer keeps scamming. great to see some things never change.

https://www.shacknews.com/article/137948/tesla-cybertruck-500-mile-range-decrease

Speed, accuracy, scale, flexibility, and a great customer experience are part of an innovation-driven formula for profitable growth. Get ahead of the curve with Verisk’s comprehensive personal auto ecosystem. Verisk is ahead of the curve in offering data to its insurer customers in novel ways that allow us to generate new value for the insurance consumer. - Steve Lekas - Co-founder and Chief Executive Officer, Branch How can auto insurance leaders innovate to meet evolving trends in a post-pandemic world and compete amid ongoing uncertainty? An efficient digital insurance ecosystem powered by four catalysts can help accelerate underwriting and drive high-impact results. Learn more in our new Innovation Paper. Shifting demographics, digital expectations, and competitive forces are transforming personal auto insurance. Our Innovation Paper explores key strategies to help compete in the InsurTech revolution. Verisk is closely monitoring the far-reaching impacts of the COVID-19-recession on personal lines insurance. Gain greater insight into trends, predictions, and strategies to compete. Artificial intelligence powers search-and-match algorithms that improve hit rates and predictive analytics help identify insurance fraud.Read the article A new Verisk analysis evaluates the personal auto insurance industry and how to get back on track using several strategies and solutions.Read the article A new Verisk analysis finds the national average motor vehicle report (MVR) fee has risen to $10.65 and increased more than 25 percent over the past decade.Read the article How we analyzed a TikTok challenge that encouraged car theft.Read the article Here's what we here at Verisk accomplished in 2022.Read the article Verisk has seen a marked increase in insurers seeking strategic sourcing of non-rate actions to confront premium leakage in 2023.Read the article

https://www.verisk.com/insurance/capabilities/underwriting/personal-auto/

Fire, security and life safety services provider Telgian today announced that Dan Vandergriff, Vice President of Operations for Telgian Engineering & Consulting, will present Prioritizing Fire Protection Upgrades with Limited Budgets at the Shared Purchasing Solutions Healthcare Member Conference November 2-3. Shared Purchasing Solutions (SPS) is a Group Purchasing Organization (GPO) based in Wisconsin and an affiliate member of Intalere, the healthcare industry leader in delivering optimal cost, quality and clinical outcomes. The conference will be held at the Glacier Canyon Conference Center at Wilderness Resort in Wisconsin Dells, Wisconsin. Vandergriff’s session will present a systematic method for assessing needed corrective actions against the fire protection and life safety improvement benefit of each to identify the greatest associated cost benefit. Participants will learn strategies for prioritizing fire protection upgrades when several are needed, managing costs and long-term planning. “Limited budgets, competing priorities and time constraints can complicate assessment and implementation of needed fire and life protection upgrades,” said Vandergriff. “I look forward to sharing strategies for managing and maximizing fire and life safety investments for the long-term within limited budgets with healthcare facility managers and campus safety officials.” Vandergriff oversees operations of the engineering, consulting, fire alarm design and fire suppression design teams for Telgian Engineering & Consulting, a strategic business unit of Telgian. Telgian is a worldwide provider of fire protection, security, and life safety services. Vandergriff is an industry-recognized and respected professional who routinely lectures and authors for industry periodicals. With more than 20 years in the fire protection and life safety industry, Vandergriff began his career as a firefighter and is a Certified Fire Protection Specialist (CFPS), Fire Officer III, ICC- Fire Plans Examiner, IFSAC/ICC- Fire Inspector III and is NICET II Certified for Fire Sprinkler Layout and Design. Vandergriff specializes in consulting services to large commercial, storage, industrial and manufacturing clients, as well as code compliance and interpretation for large retail uses; aircraft maintenance hangars, storage warehouses, and high hazard high piled stock facilities. In addition, he serves as a member on NFPA 22, Standard for Water Tanks for Private Fire Protection and NFPA 1037, Standard on Fire Marshall Professional Qualifications. Telgian is a worldwide provider of comprehensive fire, security, life safety consulting and engineering/design services. Telgian partners with clients to produce innovative solutions that reduce exposure to loss from fire and other disasters. The result is productive, profitable environments that keep businesses safe and compliant. Media and Interview Inquiries: Telgian Holdings, Inc.

https://www.telgian.com/prioritizing-fire-protection-upgrades/

Porch Group, Inc., a leading vertical software company reinventing the home services industry, successfully completed its previously announced acquisition of Homeowners of America (HOA), making Porch one of the largest Insurance Technology (InsurTech) companies. HOA is a Managing General Agent and insurance carrier hybrid with high margins and a capital-efficient reinsurance strategy that limits retained risk. HOA, on the whole, operates in six states, including Texas, Arizona, North Carolina, South Carolina, Virginia, and Georgia. The organization was founded in 2006 in Texas, a $10 billion homeowners insurance market, and became the 12th biggest home insurer in Texas in 2019. HOA is certified to function in 31 states, positioning it for nationwide enlargement as a part of Porch. Porch obtained HOA for approximately a hundred million dollars, concern to normal buy rate adjustments, of which approximately $21.7 million is payable in Porch common stock. “With HOA’s experienced management team and scale of effective insurance operations, combined with Porch’s homebuyer access and unique property data, we are positioned to scale into our InsurTech ambitions,” said Matt Ehrlichman, Porch founder, chairman and CEO. “We are looking to immediately provide value to current HOA agents and customers through our technology platform and expanded offerings to be more than just an insurance carrier, but the partner for the home. We expect HOA’s fit within our unique vertical software platform will provide rapid, scalable, and profitable growth. The InsurTech space is nascent, and this acquisition demonstrates our commitment to industry leadership.” With the acquisition, Porch seeks to create efficient growth with decreased customer acquisition cost through the homebuyers accessed via its vertical software program platform, proprietary property data collection and HOA’s current licensure in 31 states. Porch plans to increase HOA’s Insurtech footprint nationwide through its own insurance offering and HOA’s existing independent agent distribution channels. Combining Porch’s vast access to homebuyers and unique property data with HOA’s strong pricing and claims experience, Porch believes it can become one of the largest InsurTech companies with significant advantages to driving rapid, long-term growth. For the full year 2021, the Company expects over $270 million of pro forma gross written premium between HOA and Porch’s existing insurance agency. Agents and customers currently using HOA services should expect enhanced product offering and expanded opportunities through the Porch vertical technology systems and data.

https://altaworld.tech/porch-group-closes-acquisition-of-homeowners-of-america/

As an Insurance Manager, you will be responsible for overseeing the insurance policies and transactions of the company. Your role will include managing the registration of insurance contracts, communicating with clients, staying updated on new policies, and resolving conflicts or claims. You will also work closely with other departments in the company, such as finance and legal, to ensure compliance and mitigate any potential risks. - Register and manage insurance contracts - Communicate effectively with clients regarding insurance claims - Stay up-to-date on new policies and regulations - Handle conflict resolution and insurance claim settlements - Collaborate with other departments to ensure compliance and mitigate risks - Create and maintain accurate databases of insurance policies and claims data - Train team members on insurance regulations and policies - Develop and implement procedures for insurance claims management - Bachelor's degree in Business, Finance or a related field - Minimum of 3 years experience in insurance management - Strong knowledge of insurance policies and regulations - Excellent interpersonal and communication skills - Ability to manage multiple tasks and projects simultaneously - Attention to detail and accuracy - Proficiency in Microsoft Office Suite and insurance management software - Ability to work independently and as part of a team - The Insurance Manager will work in a professional office environment - This position may require occasional travel - May be expected to work evenings or weekends to meet deadlines or resolve conflicts As an insurance company, finding the right Insurance Manager is crucial to the success of your business. Creating an effective job posting can help you attract top talent and ensure that you hire the perfect candidate for the role. Job Title and Summary The first step in creating an effective job posting is to come up with a clear job title and summary. The job title should accurately represent the position and be easy to search for. The job summary should briefly describe the responsibilities and qualifications for the role. For example: - Job Title: Insurance Manager - Job Summary: We are seeking an experienced Insurance Manager to oversee our insurance operations and manage a team of agents. The ideal candidate will have a strong background in insurance, excellent leadership skills, and a track record of achieving business goals. The job posting should clearly outline the responsibilities of the Insurance Manager. This can include: - Developing and implementing insurance policies and procedures - Training and managing insurance agents - Identifying and mitigating risks - Building relationships with clients and their representatives - Collaborating with other departments to achieve business goals The job posting should also list the qualifications that the ideal candidate should possess. This can include: - Bachelor's degree in Business, Insurance or related field - Proven experience in insurance operations and management - Excellent leadership and communication skills - Strong analytical and problem-solving abilities - Ability to work well under pressure and meet deadlines Benefits and Compensation Finally, the job posting should list the benefits and compensation that the successful candidate can expect. This can include: - Competitive salary - Health and dental insurance - Paid time off - 401(k) retirement plan - Opportunities for professional development and advancement Creating an effective Insurance Manager job posting is essential to attracting top candidates and filling the role with the right person. By clearly outlining the responsibilities, qualifications, and benefits of the position, you can ensure that you find the perfect candidate for your company. What is an Insurance Manager and what are their responsibilities? An Insurance Manager is responsible for managing and overseeing the insurance policies and coverage of an organization. They help assess and manage risks, negotiate with insurance providers, and ensure that policies are in place to protect the organization and its assets. What qualifications are necessary for an Insurance Manager? Most Insurance Manager positions require at least a bachelor's degree in business, finance, or a related field. Candidates should have a thorough understanding of insurance policies, risk management, and financial analysis. They may also need to hold specific licenses, such as a Property and Casualty Insurance license. What skills and experience are required? Successful Insurance Managers should have strong analytical and problem-solving skills, excellent communication and negotiation abilities, and strong attention to detail. They should have experience managing insurance policies and claims, as well as a strong understanding of the legal and regulatory landscape in their industry. What should I include in an Insurance Manager job posting? How can I attract the best candidates for an Insurance Manager position? When creating an Insurance Manager job posting, it's important to be clear and specific about the position requirements and responsibilities. Highlight any unique aspects of the job or the organization that may be attractive to candidates. Consider offering competitive compensation, benefits, and opportunities for growth and development. What are some common interview questions for an Insurance Manager? Some potential interview questions might include:

https://hrblade.com/job-descriptions/insurance-manager

In addition to our residential HVAC services, we offer light commercial heating and cooling system repairs and installations to customers in need throughout Baltimore and Harford Counties, including Towson, Catonsville, Perry Hall, White Marsh, Bel Air, and surrounding areas. Our Experience Doesn’t Stop at Residential Work Commercial HVAC units are larger in size than residential equipment, as they commonly need to heat and cool larger spaces for a greater number of occupants. Specialized training is needed to service these more intricate systems, and our 30+ years of experience in the industry allows us to provide reliable repairs for heating and cooling issues to commercial businesses throughout Maryland in Towson, Catonsville, Owings Mills, White Marsh, Pikesville, and other surrounding areas. We Offer Comprehensive Commercial HVAC Solutions It’s our mission to provide more comfortable commercial spaces for business owners throughout Baltimore and Harford Counties, and we have continued to do so with great success for over 30 years. Our commercial HVAC services are tailored to meet the needs of our customers and their families, and include: - Commercial Heating Repair and Service - Commercial A/C Repair and Service - Commercial HVAC Installation and Maintenance - Custom Duct Work Our High-Quality Commercial HVAC Parts & Equipment In order for us to provide the best commercial heating and cooling solutions to all of our customers, we are certified and licensed to service and install the following brands of commercial HVAC systems: If you don’t see your commercial HVAC system’s brand on the list above, don’t hesitate to reach out. S&L Prime is committed to providing Maryland businesses with the heating and cooling services they need and will do whatever it takes to ensure your employees or customers have a comfortable and healthy commercial space to occupy.

https://www.snlprimehvac.com/commercial-hvac/

The collaboration in between ING and Allianz Direct will provide business and business owners access to a variety of Allianz Direct service insurance coverage items. These policies will be offered from mid-2024 through ING’s digital platforms. In Addition, when the policies are presented, it will remain in phases and Dutch clients will have the ability to go to ING to get car, van, business and expert liability insurance coverage. In addition, purchasing Allianz Direct service insurance coverage will be a totally digital procedure, where clients can rapidly and quickly get insurance coverage through the ING app or site. Philipp Kroetz, CEO of Allianz Direct, stated: “The collaboration with ING marks a big action in our journey to make our Allianz Direct services and products offered to a larger audience throughout Europe. With ING, the leading digital bank in the Netherlands, we have actually discovered a strong tactical partner to make this take place. Together we make every effort to provide the most competitive digital service, with first-rate items, competitive rates, an outstanding client experience and leading technological abilities.” Joos Louwerier, CEO of Allianz Benelux, included: “We are prepared to add to this brand-new collaboration with our know-how in SME services and products. Our groups enjoy to handle the obstacle of establishing an ‘execution just’ insurance coverage proposal in the bancassurance channel. The cooperation with ING will reinforce Allianz’s market technique in the small company sector in the Netherlands.” Gain access to the most extensive Business Profiles. on the marketplace, powered by GlobalData. Conserve hours of research study. Gain one-upmanship. Business Profile– complimentary. Your download e-mail will get here soon We are positive about the. quality of our Business Profiles. Nevertheless, we desire you to make one of the most. choice for your service, so we provide a totally free sample that you can download by. sending the listed below type. ” As a business owner you wish to invest as much time as possible running your business, with your threats thoroughly covered. The partnership with Allianz Direct allows us to provide business owners premium insurance coverages at a competitive rate, versus excellent conditions. In this manner our clients can do service without concerns, while being more economically resistant in case of an obstacle,” continued Laurens de Vos, head of service banking at ING in the Netherlands.

http://arbachakov.ru/archives/1186

David A. Townsend, ’00, received the 2020 HW Vanguard Award that recognizes leaders of businesses contributing to the growth of the housing economy and its various sectors, including lending, servicing, investments, and real estate. Townsend founded Agents National Title Insurance Company in 2005 to meet the needs of independent title agents. His leadership has grown the organization to a national title insurance underwriter. Incenter, a Blackstone Group portfolio company, acquired ANTIC and completed the deal in 2018. Townsend anticipated that being backed by Incenter would allow the company to grow. This year, ANTIC introduced an innovative title insurance decision engine that instantly delivers a clear-to-close title decision for more than 57% of residential refinance transactions and greatly reduces the time to close. Townsend has guided ANTIC during a time of unprecedented growth, as premiums have more than tripled in the last two years. He has led the company in growth, adding 25 state licenses in the past year alone. He has also grown premiums from $12 million in 2018, to $17 million in 2019 and now to an estimated $40 million in 2020. Under Townsend’s leadership, ANTIC utilizes some of the most stringent vetting procedures in the industry for prospective agents. Before an agent is allowed to represent the company, seven detailed steps must be taken.

https://law.missouri.edu/alumni-notes/townsend-receives-2020-hw-vanguard-award/

More than $1.3 billion of InsurTech funding was completed during Q3 2018, double the figure from the previous quarter. While individual investment rounds were larger, the number of transactions reported declined 20% to 57, according to the new Quarterly InsurTech Briefing from Willis Towers Watson, the leading global advisory, broking and solutions company, Q3 saw eight transactions over $40 million, up from six, and the continued active participation of (re)insurers. The pipeline of InsurTech partnerships remains very strong. The latest Briefing focuses on how InsurTech companies are deploying parametric structures, which unlike indemnity-based insurance pay out a predefined sum based on a trigger chosen as a proxy for an actual loss. Parametric products align the interests of insurers and insureds in a way which traditional indemnity covers do not, by removing the parties’ respective incentives to manage down or inflate claims. Parametric insurance is also substantially simpler than indemnity products, since it does not require costly claims handling. With parametric insurance, frictional costs can be very low. Some InsurTech firms have acknowledged these benefits and combined technology and information within parametric or event-based insurance structures to address existing inefficiencies or coverage gaps. They use a combination of third-party and proprietary data, advanced sensors, and the capabilities of the Internet of Things to develop a new paradigm of insurance offerings for the connected world. The Briefing looks in detail at several examples, including companies using parametric structures to cover the risks of earthquakes, travel disruption, flash flooding, and horticulture. “The impact of parametric insurance can be much more profound than simply lowering frictional costs and mitigating the potential for fraud,” says Rafal Walkiewicz, Chief Executive Officer of Willis Towers Watson Securities. “First, the use of parametric insurance encourages conversation around risk mitigation. Second, the simplicity of parametric insurance facilitates a decoupling of the various functions of the industry value chain and it allows for modularization.” Dr Magdalena Ramada, Willis Towers Watson Senior Economist, says: “When automated correctly, besides being increasingly economical to deploy, parametric products are an important tool to access underserved segments and bridge coverage gaps. Their underlying policy structure and digital nature fundamentally reduce the complexity and frictional costs of traditional insurance, allowing for the simplicity, scalability and flexibility needed to cater to most of these markets.”

https://asiainsurancepost.com/archives/1483

Large increase in life insurance claims paid out in 2021 If consumers learned one thing from the pandemic, it was the value of life insurance to provide for their families after they are gone. There was a large increase in life insurance claims paid out in 2021, with cardiovascular disease and cancer still claiming many lives, while Covid-19 also contributed with three waves during the year. If consumers learned one thing from the pandemic, it was the value of life insurance to provide for their families after they are gone. Momentum Retail Life Insurance and Liberty recently announced their 2021 claims statistics, which indicated that life claims increased by 66% at Momentum and by 59.6% at Liberty, while Momentum paid out claims to the value of over R8.97 billion and Liberty R10.12 billion. Jenny Ingram, head of product development at Momentum Life Insurance, says the bulk of the claims can be attributed to Covid-19 mortality claims, but that does not mean there were no other trends. Covid’s impact on life insurance claims “Of course, 2021 was a big year for COVID-19 as the country experienced three waves within just one year. This was always going to become an expected outcome for our death claim stats. Covid-19 was the cause of 42% of the death claims, followed by cardiovascular claims at 20% and cancer at 17%.” Covid-19 affected men and women almost equally as the main cause of death, with the virus causing 37% of the female deaths and 40% of male death claims. A new trend that emerged was evident in lump sum disability claims, with cancer as the main claims cause for men and women that increased by around 30%. “We will only know in a few years’ time if the increase in cancer claims was due to people not going for regular check-ups,” Ingram says. The largest death claim Momentum paid out was for R86.4 million, for a 54-year-old man who committed suicide. The second largest claim was for R80 million for someone who died in an aviation-related accident. The third largest payout of R66 million was for someone who died from Covid-19. R3.1 billion was paid out for Covid-19 deaths. Momentum also paid out death claims for five people over the age of 100, with the oldest dying at the age of 104. Ingram says this indicates a trend of increasing lifespans, as Momentum paid death claims for five or more centenarians in four of the last seven years. It shows that consumers must consider that they can reach this age when they prepare for retirement. Critical illness claims For critical illness, cancer remains the dominant cause at 44% of claims, followed by cardiovascular at 20% and nervous system complications, such as strokes, at 12%. Ingram says the two main causes for critical illness claims are often considered lifestyle diseases that can be prevented to a large extent. Momentum paid out R39 million in Covid-19 related income protection claims which were 19% of all income protection claim pay-outs, but the biggest cause of income protection claims (23%) was musculoskeletal issues, such as chronic neck and back pain. Two waves of Covid-19 Liberty’s payments to 43,600 individual clients and their beneficiaries represent a 59.6% increase from the previous year when it paid out R6.43 billion in claims. David Jewell, executive for retail solutions at Liberty, says this substantial increase was due to the cumulative effects of the two most damaging waves of Covid-19 coupled with all other existing risk events. While Covid-19 claims made up 21.2% of all claims in 2021, cancer remained a significant disease as well, making up 20.7% of all claims during this time. Prostate cancer was the most common for men at 29% of all male cancer claims, while breast cancer was the most common for women at 38%. Cardiovascular disease was responsible for 17.4% of all disease claims. “Cancer and many heart conditions can in part be understood as lifestyle related conditions and this reflects on the health challenges faced by many South Africans,” says Dr Dominique Stott, Liberty’s chief medical officer. Other life insurance claims Retrenchment claims in 2021 formed 7.2% of all Lifestyle Protector claims, compared to 8% in 2020. Liberty also saw a spike in mental health claims, particularly among working people between 35 and 54, largely attributed to the stresses brought on by Covid-19. Liberty paid out numerous claims for conditions such as major depression, which accounted for 45% of all mental health claims and for schizophrenia which accounted for 15%. Other causes of mental health claims were for conditions such as anxiety, inability to work and grief. Claims not paid were due to issues such as unmet policy or benefit criteria and non-disclosure. Lisa Gibbon, divisional executive for onboarding at Liberty, explains non-disclosure happens when you do not answer medical, financial, lifestyle or occupational questions correctly or when you omit important information.

https://www.citizen.co.za/news/large-increase-in-life-insurance-claims-paid-out-in-2021/

Arnold Goodman Literary Agent was a literary agent with Goodman Associates. He is no longer taking submissions. Publishing Agent Arnold Goodman was an agent at Goodman Associates. He was also the president of Goodman Associates. Book Agent Arnold Goodman represented authors of nonfiction and fiction. Arnold Goodman Literary Agent was on our list of AAR Book Agents (publishing agents who are members of the Association of Authors’ Representatives), Book Agents New York (publishing agents in New York State), Book Agents NYC (publishing agents in NYC), Book Agents USA (publishing agents in the United States), Fiction Book Agents (publishing agents who represent fiction authors), and Nonfiction Book Agents (publishing agents who represent nonfiction, not just novels). Arnold Goodman Literary Agent Biography Don’t submit a query letter to Arnold Goodman Literary Agent because she’s on our list of book agents who’ve stopped agenting, retired, or passed away. If you want to find book agents that ARE seeking new clients, click here now to access our Book Agents Directory. Or scroll below to learn more about Literary Agent Arnold Goodman and Goodman Associates. Book Genres – Arnold Goodman Literary Agent Literary Agent Arnold Goodman represented book genres like: Representative Sales – Arnold Goodman Book Agent Scroll below now to view representative titles and a complete profile for Arnold Goodman FREE in our Book Agents Directory. AAR Status – Arnold Goodman Publishing Agent Scroll below now to view the AAR status and a complete profile for Arnold Goodman FREE in our Book Agents Directory. Contact Information – Arnold Goodman Literary Agent Scroll below now to view the email and postal address for Arnold Goodman FREE in our Book Agents Directory. Arnold Goodman Literary Agent Directory of Literary Agents Join thousands of other subscribers today. Simply enter your first name and email address for free, instant access to the Directory of Literary Agents. Get complete access to comprehensive profiles for both established book agents and new literary agents like Arnold Goodman.

https://literary-agents.com/arnold-goodman-literary-agent/

At Best Startup London we track over 100,000 London based startups and over 500,000 people who hold key positions in these companies. We use this directory of startups to highlight top employees, founders and organisations we think deserve more appreciation than they are currently getting. We’ve ranked the top 14 Insurance companies in Wiltshire. The companies, startups and institutions listed in this article are all exceptional companies, well worth a follow. We have included links to their websites, socials and CrunchBase (if you’re interested in their financials). We selected the organisations listed in this article based on: - Track record - Executive leadership - Market share - ESG rating Our Data – We source our data from OSINT (open source intelligence) and public directories such as Crunchbase, SemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself. Top Insurance Companies & Startups (Wiltshire) Nationwide Building Society Nationwide Building Society is a British mutual financial institution and the largest building society in the UK. Animal Friends Insurance Ltd Animal Friends Insurance is an ethical pet insurance company that donates money from their own profits to animal charities worldwide. The Openwork Partnership The Openwork Partnership is a provider of financial advice services. Contractor Mortgages Made Easy CMME is a specialist mortgage brokerage offering expert advice and bespoke mortgages. Advance Insurance Agencies Advance Insurance Agencies provide a wide range of insurance products and services for commercial and personal use. Admiral Marine is an insurance service provider company. Perfect Pet Insurance Perfect Pet Insurance is a buying pet insurance organization. Healthcare Solutions Ltd Healthcare Solutions Ltd provides health insurance brokerage services. PSP Group offers insurance and risk management solutions, products, and services. One 77 Mortgages One 77 Mortgages specialzies in financial protection , home insurance and business protection insurance services. Ferris and Culverwell Ferris and Culverwell specialize in mortgages, taxation, retirement planning, pension, insurance, assurance and employee benefits services. FX Mortgages is a financial services company that provides Mortgage and insurance services. Austin & Wyatt Austin & Wyatt is a real estate company that engages in buy, sell, rent property and property management services. Carter Moore is a financial and advisory firm.

https://beststartup.london/wiltshires-14-fastest-growing-insurance-startups/

The US insurance coverage trade is wealthy with longstanding professionals who’ve spent their complete careers paving the way in which for colleagues and provoking future generations, entrepreneurs and enterprise leaders. Now, Insurance coverage Enterprise America is proud to disclose which excellent leaders have been inducted into the fifth annual Corridor of Fame. Beginning in July2021, IBA invited insurance coverage professionals from throughout the nation to appoint standout trade veterans for the annual Corridor of Fame. Nominees needed to have been within the trade for no less than 35 years and have a historical past of distinguished service to the insurance coverage occupation. Learn the total report, free of charge, now: Discover out who was inducted into the Corridor of Fame The ultimate group of 24 Corridor of Fame inductees was chosen by an unbiased advisory panel of trade leaders and former Corridor of Fame honorees, together with: Kevin Davis – Kevin Davis Insurance coverage Providers, an Amwins firm; Sabrina Hart – Zurich North America; Margaret N. Redd – Nationwide African American Insurance coverage Affiliation; and Dave North – Sedgwick. So, who’re this yr’s Corridor of Fame honorees? Amongst this yr’s choice are: You’ll be able to examine their tales by clicking on any of the hyperlinks above. To seek out out who else was inducted into Insurance coverage Enterprise America’s Corridor of Fame 2021, click on via to learn the total report, free of charge, now.

https://visualassembler.com/insurance-business-america-reveals-inductees-to-hall-of-fame-2021/

The reading level for this article is All Levels If you are looking for one of the largest and most competitive name in the insurance market, the phrase is nearly synonymous with state farm business insurance rates. California residents, as well as those in New York, Florida, Texas and especially Illinois (in which the headquarters of State Farm is located) are well acquainted with the insurance giant, and go to State Farm for many of their business insurance needs…as well as many others. State Farm originated not as a general business insurance company, but as a specialty auto insurance corporation in 1922 that specifically marketed toward American farmers. Because of the great distinction between rural and urban American life that still existed in the early part of this century, farmers were able to have their own unique market in the insurance industry because they drove much less and in less dangerous situations than urban drivers, which prompted founder George Mecherle to think that they should pay less for their insurance rates. The company has been booming since, and is now ranked 31 st in the Forbes Fortune 500. State Farm includes a large number of different insurance companies, including Fire and Casualty, Life Insurance, Life and Accident Assurance, County Mutual Insurance of Texas, Indemnity/Guarantee, and the General Insurance Company, from which entrepreneurs are provided with State Farm Business Insurance rates (California provides the headquarters of this Insurance company). The California-based company provides State Farm with a number of different insurance products, including but not limited to general insurance, business auto insurance, surety & fidelity bonds, specialty business liability, worker’s compensation, and insurance products for mobile and marine property. State Farm is also a leader in a number of Financial produces, with options for business loans, business life insurance, retirement plans, business health insurance, and mutual funds.

https://www.zeromillion.com/business/state-farm-business-insurance-rates-california/

Falcon Risk Holdings LLC (Falcon), the US Financial, Professional, and Cyber lines Managing General Agent has announced two senior appointments to its team. Bruce Simmons joins as Vice President of Miscellaneous Professional Liability, and Mike Sacco joins as Senior Vice President of Architects and Engineers and West Region Leader. Bruce Simmons joins Falcon to serve as Vice President of Miscellaneous Professional Liability. He brings over thirty years of insurance industry experience and has extensive knowledge of underwriting in the professional liability space. He was previously at Nexus Group serving as Vice President of MPL. Prior to Nexus, Bruce was CUO of ZONRe where he developed P&C product verticals on a digital platform. Along with building out Falcon’s A&E practice, Mike Sacco will serve as Falcon’s senior underwriting representative for western region brokers. He has over 12 years of underwriting experience and specializes in professional liability. Mike joins Falcon from Verus Specialty Insurance (a Berkley Company) where he was Vice President, Professional Liability. Mike has experience in multiple lines including A&E, MPL, LPL and Cyber. EVP of Cyber and Professional Liability, John Merchant commented: “We are very excited to welcome professionals of such caliber and experience. Both Bruce and Mike bring a high level of product and market knowledge to the Falcon team. I’m looking forward to growing Falcon’s portfolio in the MPL and A&E segments with them leading the way.”

https://www.falconriskservices.com/news-and-insights/falcon-grows-professional-indemnity-leadership-team

After you’ve had to deal with water damage, the last thing you want to hear is your water damage claim was denied by your insurance carrier. However, before you let it give you stress, you should learn how to handle insurance claim denials. What to do when your water damage claim is denied - Call your insurance carrier and calmly try to find out why the claim was denied. Usually, it’s because: - The damage was long-term - You went over a specified period of time needed to file a claim - The water damage was considered groundwater flooding - Your water damage was related to construction defects - Your insurance provider didn’t deem you to actually have any substantial damage. - Give the professional water damage company that worked with you a call to see if they can help. In some cases, we have intervened on behalf of our customers. This can add credibility to your water damage claim, and it could help you during the appeal process. - If you still aren’t successful with a water damage claim appeal and you’ve looked over your insurance carrier’s paperwork with a fine-toothed comb, it may be time to contact an attorney. In the future, the best way to avoid having your insurance claim denied is to discuss the necessary paperwork, including the wording of your damage, with your professional water damage repair expert. Call or contact ServiceMaster of Lincoln Park to get started on your water damage appeal.

https://servicemasteroflincolnpark.com/blog/water-damage-claim-denied-dont-panic/

Members of the FDNY are the latest group pushing back against Mayor Eric Adams’ citywide budget cuts. The city says it plans to reduce staffing at 20 engine companies by removing the fifth firefighter on each shift. The fire department defended the move, calling it routine, while the Uniformed Firefighters Association said the decision will endanger New Yorkers at a time of year when house fires occur more frequently. “Due to budget cuts, Mayor Adams and the FDNY have removed the fifth firefighter from 20 engine companies. The reduction of staffing will make it difficult to fight fires in those affected neighborhoods,” a statement from the union reads. “Home fires increase during the winter months as temperatures drop. The cut of firefighters in these neighborhoods will put local residents at risk.” The move by the city impacts two of the busiest engine companies in the entire country: Engine 54 and Engine 65, both of which are in Midtown. In a statement provided to NY1, the FDNY said the fifth man position is “a contractually agreed upon number that is dependent on medical leave levels.” “There are only 20 companies throughout the city that have such a position and it is routinely added and removed to address staffing needs based on medical leave,” the department said. The FDNY also said that the fifth firefighter on each of the affected shifts will be moved elsewhere to fill in gaps in manpower. FDNY firefighters and union leadership are expected to hold a press conference at 2 p.m. on Monday to protest the cuts.

https://ny1.com/nyc/brooklyn/news/2023/12/04/fdny-firefighters-set-to-protest-department-budget-cuts

More Engineering Insurance This policy indemnifies the insured against loss resulting from burglary. It also covers damage as a result of theft through forcible and violent entry into, or exit from premises This policy indemnifies the insured against any fraudulent acts or impropriety by employees. It also involves embezzlement of insured’s funds, pilfering, misappropriating, diverting insured’s raw materials or finished goods. Goods In Transit It covers accidental loss of or damage and theft to goods whilst in transit within a specific geographic region. Key Underwriting Requirements: • Type of goods • Value of goods • Limit per carrying • Transit frequency Group Personal Accident This is a benefit policy designed to cover death or physical injury (permanent/ temporary disability) to a group of people e.g. members of an association or club, workers of an organization solely caused by violent, accidental, external and viable means. This cover can be extended to include medical expenses necessitated by an accident. It offers 24- hour protection against accidents and the cover is worldwide. The Workmen’s Compensation Act of 1963 (Act 174), as amended by PNDC Law 187 of 1987, makes it mandatory for all employers in Ghana to compensate their employees for occupational injuries or death. Consequential Loss/Business Interruption The prime objective of this policy is not solely to provide profits, but indemnify for any loss of revenue and increase in cost of working in the event of the insured’s premises or property specified or any part being destroyed. This policy covers all sums which the insured shall become legally liable to pay to any person other than employees for accidental bodily injury and property damage occurring on the company’s premises. It indemnifies against all sums that may be legally liable to pay in respect of claims made by any person, customer and visitor. This policy is designed to cover the insured against all sums which the insured shall become legally liable to pay as compensation in respect of claims for death or sickness as a result of the use of the manufactured product. Professional Indemnity or Liability This policy is concerned with the liability of members of learned professions’ for injury, damage or financial loss to clients or the public as a result of breach of professional duty or negligent acts, errors or omissions in their professional capacity.

https://www.knainsurancebrokers.com/engineering-insurance/

What is reinsurance?Reinsurance is a form of insurance which is purchased by an insurance company. In this form of insurance, the insurance company buying a reinsurance policy would be allowed to remain solvent even after they have faced major claims for several events including but not limited to disasters and calamities.While the key aim of reinsurance is risk management, it can also be used for tax mitigation propose too. The company which purchases the reinsurance policy would have to pay a premium to the insurer who would pay a share of the claims as per chosen terms of agreement.The insurer company might either specialize exclusively in reinsurance policies or could be a general insurance company as well. What does Munich reinsurance offer?Munich Reinsurance has their clients spread worldwide. They offer reinsurance polices and at the same time also offer advice on different forms of insurance business as well.The ERGO group is their primary insurance unit and they write all possible types of life and health insurance. They deal in different kind of property and casualty insurance as well. The Warranty Risk of Solar Project developers, banks, governments and regulators, should correctly address the "Warranty Risk of Solar", when designing their contracts, tenders or regulatory framework. The long warranty period of PV modules (25-30 years!) poses a unique risk to the PV industry. The warranty risk of solar has two perspectives. Firstly, the PV module supplier may suffer warranty claims, which exceed their warranty reserves. Secondly, PV project owners may be left alone with useless warranties of an insolvent module supplier. To lower the warranty risk of solar means to increase bankability and sustainability for the whole PV industry. Munich Re PV Warranty Insurance to mitigate the Warranty Risk of Solar Therefore, Munich Re has established a new insurance standard, which extends the pure protection of the module supplier to the protection of the project owner. Insured PV module suppliers must regularly pass the Munich Re due diligence process, and insure a capacity of at least 100 MWp per year. They are entitled to register PV project owners to become Beneficiaries of the PV warranty insurance, and provide an individualized Buyer's Declaration Letter from Munich Re as proof of insurance. The PV warranty insurance has dedicated insurance capacity for each registered PV project owner. This remains in place also in the event that the PV manufacturer is unable to honor their warranty obligations. The Munich Re PV Warranty Insurance standard has been received very positively by the whole PV industry. More and more PV module suppliers are becoming so-called Warranty Partners. This is supported by a large network of insurance brokers, primary insurance companies and quality assurance providers in most countries with a relevant PV market. Processes are automated and digitalized to handle the large amount of data from the insured PV projects. The PV Warranty Partner List A list of all PV module suppliers, who are currently enrolled in the Warranty Partner program is available online. Thus, potential PV module buyers can easily find suppliers, who are entitled to sell PV modules with an insured warranty. In addition to the benefit of an insured warranty in the future, PV module buyers can be certain, that the listed suppliers must regularly pass the Munich Re due diligence process and have an established track-record regarding insurance losses.

https://sinovoltaics.com/learning-center/solar-insurance/munich-reinsurance/

Kush Padia chats ‘exposure through Interconnectedness’ at #AIE2019 The African Insurance Exchange 2019, which was held at Sun City from 14 to 17 July 2019 – under the theme: Learning. Growing. Together – brought a far broader range of content to appeal to delegates across the industry spectrum. The phenomenal speakers shared new insights, perspectives, best practices, challenges facing the industry, and emerging innovations. We had the pleasure of being a part of #AIE2019 with our chief financial officer (CFO), Kush Padia in a panel discussion chatting ‘exposure through Interconnectedness’ alongside industry’s cyber experts, Jared Concannon of Chubb and Ryan Van De Coolwijk of ITOO Special Risk. With cyber-risk becoming a growing threat in the insurance industry, Kush shared methods (implemented at Brolink) to which organisations can apply to mitigate the risk against cyber attacks. Kush encouraged organisations to share knowledge with the rest of the industry about any attack factors they may have identified within their companies to help protect against cyber risk. “By all of us working together to ensure that our industry at large is protected it fosters greater trust in our industry, which all of us can only benefit from,” says Kush. Watch this video interview with Kush as he discuses cyber risk at #AIE2019:

https://www.brolink.co.za/news/kush-padia-chats-exposure-through-interconnectedness-at-aie2019/

ART moves up the agenda Alternative solutions are even more attractive now that retention levels are rising across the board, but capital availability and appetite for volatility are limited, according to Vincent Foucart, CEO of Scor P&C Solutions The buzz around Monte Carlo this year is all about what some have called a ‘once in a generation’ hard market. But Vincent Foucart, CEO of Scor P&C Solutions, takes a more measured view. “For me this is a necessary technical adjustment that’s taking place: it’s not a ‘once in a lifetime’ event. Risk professionals across the market understand that the reinsurance part of the risk-transfer chain has not earned its cost of capital for half a decade,” he says. “If people want a reinsurance market that fulfils its role as a reliable shock-absorber and capital provider, reinsurers have to earn their cost of capital, plus their management expense at least, otherwise their shareholders will withdraw their capital.” Foucart believes the market is in a period of adjustment towards a new normal made necessary by a riskier world: climate change, social inflation and geopolitical risks are here to stay, he says. “The new risk environment calls for a discussion between risk carriers that is about more than price, with reinsurance programme structures, terms and conditions, and available capacity all under review.” As a result, in order to optimise risk-financing and capital relief, cedants are naturally looking more closely into what alternative solutions and, specifically, structured reinsurance can offer them. “We’ve experienced a surge in structured quote requests because buyers want to test available options: surplus relief proportional reinsurance or aggregate XL using the traditional method of mutualising risk over years – plus incorporating a structured way of doing it.” Structured reinsurance is essentially a tool for capital and volatility management, Foucart explains. A typical capital management case would be where a cedant’s business is impacted too heavily by one line – the weight of motor third-party liability, for example, creating an imbalance in their solvency risk assessment. In such a case the group internal model of a well diversified reinsurer would be a more efficient answer than the standard formula of a direct carrier. In terms of volatility management, a multi-line/multi-year structure makes it possible for cedants to achieve a balance between risk transfer and risk financing, whereby the financing mechanism is defined by funding premium; similarly, loss participation schemes can be introduced into reinsurance treaties. But structured solutions are not intended to help cedants circumvent the technical adjustments that are so necessary in the traditional reinsurance programme, Foucart adds. “A lot of reinsurers have adjusted the attachment point of their programmes upwards. And this is happening on the corporate [insurance] side, primary insurance and retrocession side. So everyone is looking for ways to manage their retention,” he explains. “The alternative solution expert won’t be any more willing than their ‘traditional’ counterpart to come up with a quote that is not economically viable. At Scor, we want to help our clients manage their retentions and regulatory capital requirements – but we do not put traditional and alternative in competition with one another.” The reduction in available traditional reinsurance capacity has inevitably brought ILS back into the alternative solutions picture, albeit with a more cautious approach from investors. “The collateralised segment of ILS especially expanded dramatically over recent years. But recently, after taking losses, investors have re-allocated somewhat and also rebalanced, with a partial return to the cat bond segment,” Foucart says. With an adjustment to its weight and position in a typical programme that takes account of investors’ returning appetite, ILS does have a bright future, Foucart concludes. In the wider world of risk-financing solutions, Foucart doesn’t envisage big changes to regulation or supervisor “sentiment” that could be an obstacle to cedants exploring alternative methods. “Compared with 20 years ago and the rise of financial reinsurance, the industry today is very disciplined in terms of satisfying real risk transfer tests,” Foucart stresses.

https://www.insiderengage.com/article/2c5mrjnhxwltica3xvvuo/events/monte-carlo-2023/art-moves-up-the-agenda

Texas-based Sallean to lead the strategic growth of WFG’s national commercial title insurance business Portland, Ore., August 23, 2022 – WFG National Title Insurance Company (WFG), a Portland-based, full-service provider of title insurance and real estate settlement services for commercial and residential transactions nationwide, has announced that 33-year title industry veteran David Sallean has joined WFG as Executive Vice President of National Commercial Title Services. In this newly created role, Sallean will lead the growth and expansion efforts for the national underwriter’s national commercial business. “We are thrilled to have David onboard to drive the expansion of our commercial title business,” said Steve Ozonian, WFG’s President and CEO. “We’re grateful to have someone with his depth and breadth of experience and well-established industry connections leading the growth charge for us in this important business channel during WFG’s second decade.” In addition to WFG’s extensive reserves and financial stability – including an A – Prime Unsurpassed Demotech rating for financial stability and zero institutional debt — Sallean was attracted to the company because of its experienced leadership team, as well as its steadfast, companywide commitment to providing an exceptional customer experience, as exemplified by WFG’s superior Net Promoter Score rating. “Not only is WFG one of the fastest growing national title insurance underwriters, the company’s senior leadership team is a who’s who of proven industry leaders,” said Sallean. “I am both enthusiastic and honored to have the opportunity to work alongside them to grow a world class national commercial team.” Prior to joining WFG, Sallean served as SVP, National Commercial Title Services Associate Director for a major national title insurance underwriter and, prior to that, as SVP, Associate National Commercial Division Director for another major national title insurance underwriter. Earlier in his career, David held CFO positions at two companies, as well as other industry leadership positions. Sallean is a CPA and has an undergraduate business degree from Southwest Texas State University and an MBA from the Jack Welch Management Institute. He is involved in several industry organizations, and based in Houston, Texas. WFG’s National Commercial Title Services division is committed to providing superior customer service to its commercial clients. Comprised of industry-leading professionals who are knowledgeable, responsive and take a client-focused approach to understanding specific transactional needs, the division’s leadership team has decades of experience handling the complexities of commercial real estate transactions nationwide and dealing with sometimes unforeseen challenges. Recognizing that every commercial transaction is unique, the team devotes individualized care and attention to each transaction in order to alleviate inherent risk, facilitate a smooth closing and ensure that all material terms of the contract are fulfilled. About Williston Financial Group Williston Financial Group is the Portland, Oregon-based parent company of several national title insurance and settlement services providers, including WFG Lender Services and WFG National Title Insurance Company. It is one of the fastest growing national title insurance and settlement services providers in the mortgage and real estate services industry. VP Marketing, Enterprise Solutions

https://wfgls.com/wfg-news/33-year-industry-veteran-david-sallean-joins-wfg-national-title-insurance-company-as-executive-vice-president-of-national-commercial-title-services/

LEBANON - Finance General Manager, AIG Lebanon Hala Haidar has spent the past 24 years in insurance. She started her career with the reinsurance company Arab Re, and then moved on to work with the international reinsurer, Cologne Re. She has been with AIG for 12 years. Currently the Country Manager for Lebanese operations, she also works on other regional assignments. She holds a BA Degree in Statistics and Economics from the American University of Beirut. What happened in 2008 affected the whole world. Firstly, AIG came out of the crisis a smaller company; however, we are nimbler, more solid, and more regulated. We find it a positive to become more regulated. Secondly, the crisis did not affect the insurance companies and subsidiaries of AIG, which honored all of their liabilities vis-í -vis the policyholders. Thirdly, the US government provided financial support to AIG because it had faith that ultimately, it would be beneficial to the global financial system as a whole. In four years, we repaid the $182 billion loan, with a profit of $22.7 billion. As a result, local regulators are more confident of our financial position and acknowledged our commitment to the local market. We honored our commitment to the international community. We continued to provide our product innovation, services, and expertise to our clients and brokers and maintained our global footprint. The operation in Lebanon also maintained its position as market leaders in commercial insurance. When we started in 2001, our goal was to be a leading insurer in commercial lines. There was a great need in the market for expertise in commercial lines, hence we decided to support the market with lead terms in the various business areas that comprise commercial lines: marine, casualty, property, energy, construction, and financial lines. We are known for product innovation and are the first insurer to offer cyber coverage. The market for financial lines still needs further encouragement, because it is confined to Bankers Blanket Bonds (BBB) coverage for banks. Other products, such as directors and officers, professional liability, and cyber, have yet to develop. We won’t see much activity unless there is a requirement by law to buy a professional liability or management liability policy. AIG is a global insurer, and is a great advocate of diversity and inclusion. This is part of our value proposition to our customers. The business model that we follow varies and depends on the size and potential of the market. In Lebanon, we look specifically at multinational clients, Lebanese interests abroad, and the local presence of a wide network of regional brokers. We also try to benefit from the Lebanese diaspora abroad. In Lebanon, there are around 4 million people, but outside Lebanon there are another 14 million expatriates and their children. Corporate clients, banks, financial institutions, investment bankers, high-impact accounts, big projects in development, electricity, and infrastructure are the main areas we target. We benefit from the global network of Lebanese expatriates working outside their home country.

https://thebusinessyear.com/interview/global-player/

Our company was organized in 1891 as Minnesota Farmers Mutual Insurance for the purpose of writing crop and hail insurance for Minnesota farmers. In 1906, operations were broadened to include farm windstorm insurance. General fire and inland marine lines were added in 1929. Automobile and dwelling coverages were added in 1930. In the late 1970's, the company expanded its product offerings to include homeowners and personal automobile coverages. To more accurately reflect the company's broadened product lines and its lesser focus on the farm market, in 1983, the board of directors changed the name of the company to Midwest Family Mutual Insurance Company. In 1991, the company introduced its first commercial lines insurance products allowing the company to further broaden the products available to its independent agent sales force. In 1997, the company further diversified by adding the states of Iowa, Nebraska, North Dakota and South Dakota to the two existing states, Minnesota and Wisconsin. In 2006, the company introduced a Personal Lines Portfolio Policy which packaged our homeowners, personal auto, boatowners, and personal umbrella coverages into a single policy. Designed for our top tier personal lines clients, our Personal Lines Portfolio consolidates billings, offers a combined deductible, and provides competitive terms. Since it's introduction this product has become our predominant means of providing personal lines insurance. Geographic expansion has been a staple of Midwest Family Mutual's growth strategy. In 2004, the company started writing personal and commercial lines in the Land of Lincoln - the state of Illinois. In 2012, MFM introduced it's array of commercial products to Indiana, Kansas, Missouri, and Montana. In 2013, a commercial filing was approved in Arizona and Nevada. In 2014, the company added Colorado, Utah, and Wyoming to our operating region. And in 2016, we expanded our commercial lines into Idaho, New Mexico, and Ohio. We also expanded our personal lines to include our new First Class Portfolio program in Illinois, Iowa, Minnesota, Nebraska, North Dakota, South Dakota, and Wisconsin. In 2017, we added Arizona, Indiana, Kansas, Missouri, Nevada and Utah to our personal lines First Class Portfolio program. In 2018, Colorado and Ohio were added to our First Class Portfolio program and Oregon was added for both First Class Portfolio and commercial lines products. We expanded our commercial lines into Washington in 2020 and continued our commercial lines expansion into Kentucky, Michigan and Pennsylvania in 2021. Effective January 1, 2024 we added Idaho to our personal lines expansion.

https://dev.midwestfamily.com/about-mfm/our-history

With affordable, easy to customize policies, you can get the exact insurance you need at a price that works for you. You can expand your business with comfort, knowing that you and your customers are covered. Don’t spend your time making fear-based decisions for your business. Call (603) 429-1776 today & sign up for electrician specific insurance or to review your current insurance policy. Why do you need Electrician Insurance? From client issues to accidents, being an electrician has its liabilities. Don’t spend your time in arduous litigation or expensive situations due to lack of proper insurance. Make sure that your business is protected and safe from uncertainties. Even if your reputation and work are high quality, you might lose clients or opportunities based on lack of insurance. Bidding for jobs is highly competitive and more often than not, people choose businesses with insurance for their own comfort and safety. Let us help you take your business to the next level. With annual audits for the right coverage, you can depend on Minuteman to be on your side from the get-go. You deserve a personalized insurance plan that is crafted for you and your needs. Our firm is here to stand by you as you grow your company. What does Electrician Insurance cover? Why choose Slawsby for your Electrician Insurance in the New England area? With over 85 years of experience protecting small business owners, Slawsby Insurance is a top-notch choice for your business and personal insurance. Our highly trained and licensed agents are ready to make sure your insurance plan works for you. You can feel comfortable growing your business, with annual audits and top quality customer service there to support you.

https://slawsbyinsurance.com/business-insurance/electrician-insurance/

We believe in relationships. We believe in access. We believe in simplicity and transparency. We promise to provide everyone with an affordable product that gets money in your pocket when you need it most. Traditional disaster insurances have confusing claims-adjustment processes. And payments can take months—or even years—to get into your hands. We know that the faster money gets into the hands of people during crisis, the easier it is to keep living life. Jumpstart insures you through a parametric approach—which insures policy holders against the occurrence of an earthquake by paying a set amount based on the quake intensity, rather than based on the cost of damage in a traditional earthquake policy. |Traditional Earthquake Coverage |Reimburse damaged property |Covers any unexpected expenses |Damages less deductible |A pre-defined lumpsum payout |Claim adjusters and paperwork |Automated direct deposit |Weeks to months Lloyd’s is the world’s leading insurance and reinsurance marketplace. They are our financial backers. Click here for information on the financial strength ratings of Lloyd’s. To ensure payment fairness and transparency, we partner with The United States Geological Survey. USGS is a scientific agency of the United States government and the leading authority on seismic data.

https://www.jumpstartinsurance.com/jumpstart-promise

We are specialists in Professional Liability where we design programs to provide comprehensive coverage, tailored to each insured’s specific needs. We add value by focusing our experienced underwriting team directly on underwriting where they are empowered to make decisions and provide industry-leading levels of service. RISK APPETITE (INCLUDING BUT NOT LIMITED TO) RESPONSIVE RISK MANAGEMENT RESOURCES FEATURES & BENEFITS: TARGET CLASSES: (INCLUDES BUT NOT LIMITED TO) KEY COVERAGE HIGHLIGHTS Michael Muglia is Director for Professional Liability at RB Jones where he is responsible for underwriting strategy, program development, and leads operations and growth across Professional Liability. Michael has over 9 years of industry experience, most recently as National Underwriting Director leading professional liability underwriting for a top insurance wholesaler in North America, and winning “Insurance Underwriting Team of the Year” from Business Insurance. Michael leads an innovative underwriting team that drives success by partnering experienced underwriters directly with brokers to significantly expand professional liability for RB Jones. Michael has direct underwriting experience in allied healthcare, social services, miscellaneous E&O, tech E&O, A&E and contractors professional, cyber liability, GL, and fire suppression contractors product lines. Graduating from Oakland University, Michael earned a bachelor’s degree in Communication and is an active member of the Professional Liability Underwriting Society (PLUS). Michael is often a subject matter expert (SME) across the H.W. Kaufman Group, a licensed CE presenter and published featured expert in the insurance industry. Tameka Livatino has 25 years of Professional Lines Underwriting experience with increasing levels of responsibility including Underwriting Management and Product Leadership roles. She has managed large books of business acting as a referral underwriter across the Architects & Engineer (A&E), Miscellaneous Professional (MPL), Employment Practices Liability (EPL), Allied Healthcare and Tenant Discrimination lines of business. Tameka has had significant roles within Domestic Insurance Companies in a MGU backed by Lloyd’s capacity, most recently as AVP, Professional Lines. Throughout her career Tameka has been active within the insurance community where she has been selected to participate in industry panels and mentored and trained many underwriters.

https://www.rbjonesinsurance.com/professional/

If John Snow, one of the main characters of the TV-Show Game-of-Thrones, would be working in the insurance industry. He would say: “Winter is coming – to the insurance world”. Maybe he would be Commander of the Insurers Watch guarding the regulatory wall saving the industry. Well, this wall has not only been crushed in the last season of Game-of-Thrones but also in the insurance industry. New market entrants are flooding through the gates. My article published in the book “Risk Mutation – the logic of restructuring insurance ecology with technology” talks about the new era of insurance – with a focus on the European perspective. I am very thankful to Mr. Feng Shu, Executive Vice President Beijing Insurance Research Institute, for making this article and translation possible. Here a short summary: In the article I talk about how one of the core competencies of insurers – risk management – could become the source of new revenue streams. For example through risk consulting and claim prevention. In addition I underline how Big Data and Automatization revolutionizes underwriting, especially considering that most actuary models did not change structurally in the last 100 years. I also touched claim management as an area with a lot of structural problems, but also big potential. In addition I make the point that one of the biggest life threats to traditional insurers – in my personal view – is their cultural legacy and lack of agility. This comes along with technological legacy, which delays digital transformation. Considering that time is the one thing traditional companies don’t have during disruption, tech legacy could cause tremendous damage if not addressed soon. At the end of the article I talk underline that there is a strong insurtech ecosystem that will – independently of individual fails – prevail and in some way or the other change the industry. I end the article by saying that I believe that the insurance industry is an exciting place to be – and now is the right time. What do you say?

https://www.digitalscouting.de/market-insights/article-in-chinese-winter-is-coming-7-threats-and-opportunities-for-insurers-a-view-from-europe/

Dr. Subhash C. Khuntia, Chairman, IRDAI, Mr. M.R. Kumar, Chairman, LIC of India, Mr Girija Kumar, CMD, United India Insurance, Mr. G. Srinivasan, Director NIA, and Mr. G. Satish Raju, CEO, Swiss Re (India Branch) were the inaugural speakers, plus other eminent speakers from Asian region are also deliberated at the seminar. More than 350 delegates comprising of insurance executives, risk managers, brokers, including the CEO’s and the senior executives of insurance companies in Asian regions have participated in this seminar. Dr. Subhash C. Khuntia, Chairman, IRDAI inaugurated the seminar by lighting up the lamp. Director of National Insurance Academy, Mr. G. Srinivasan had delivered the welcome address on this occasion. He talked about how latest technologies like Block chain, IoT, Telematics and Artificial Intelligence, are reshaping the insurance industry. Mr. Srinivasan also highlighted the importance of how the industry should prepare to embrace the digital innovation in their business and what are the challenges that the industry will encounter while adopting to these new age technologies. Mr. G. Srinivasan, Director, NIA outlined the different ways through which, NIA is creating and developing the knowledge in Insurance, Pension and allied areas through undertaking various activities like organizing Management Development Program for the more than 6000 Top, Middle level & lower level executives of the insurance industry every year. The Academy is also running a Post Graduate Diploma in Management, where along with the General Management subjects the additional focus in on imparting Risk Management and Insurance Domain knowledge also. Mr. G Satish Raju, CEO, Swiss Re India Branch started his address by giving a perspective on the rapid change in technology. He talked about the introduction of quantum computing in insurance and how it will be useful in processing the huge amount of data the is involved in insurance. He emphasized on the importance of collecting and processing data and how well it is managed and handled. He also pointed out the rapid rise in numbers of monthly digital transactions taking place in insurance sector globally. The LIC Chairman Mr. M.R. Kumar delivered the Key note address and he deliberated how these technologies are impacting the life insurance companies and how the companies should embrace the digital innovation in their business. Mr Kumar opened with how the industry was affected by fast paced and over-arching mega-trends. The trends include genomics, ubiquitous mobility, blockchain, cyber security etc. The IRDAI Chairman Dr. Subhash C. Khuntia during his inaugural address stressed the importance of Digital Innovation in the insurance business. He also highlighted the recent changes that the regulator has brought including regulatory sandbox to encourage and embrace digital innovation in the insurance industry. He further stressed the necessity of what regulatory guidelines should be put in place in anticipation of these technological changes. He stated that the use of digital processors has helped in reduction of cost, increasing efficiency of the industry and fast settlement of claims. He said that the Digital disruption will results into release of huge data and such individual data will be exposed to huge risk. As insurance companies are already having a lot of Data with them. He mentioned various initiatives taken by the IRDAI such as electronic storage of policies in repositories. There are around 50 lakh policies in the repositories. There is tremendous scope of growth because we have huge human resource in our country and Insurance industry will make a huge impact in the economic development of the country. During the inaugural function, IRDAI Chairman released the research report carried out by National Insurance Academy on the topic: Micro Insurance – Challenges and Opportunities. While releasing the report, he said that the digital intervention will help the insurance companies in reaching out to poorest of the poor. He also unveiled the Seminar Report containing the research papers on the theme of the seminar. The seminar had deliberated on the following topics: 1. Embracing New age technologies - Block-chain technology, Internet of Things (IoT), RPA, and Telematics, etc., in Insurance Business, 2. Applications of Artificial Intelligence: Machine Learning and Deep Learning techniques in Insurance. 3. Embracing Digital Innovation in (Re) Insurance Business, and 4. Cyber Security, Cyber Laws and Data Protection-Cyber Insurance. Dr. S. Doss & Shri. Kishore K. Panda, Faculty members of NIA and the seminar coordinators thanked all the dignitaries for gracing the seminar and making it a wonderful learning experience.

https://www.sujatawde.com/2020/02/seminar-on-digital-disruption-embracing.html

Kim Kunz Customer Complaints She has been the subject of two customer complaints between 2022 and 2023, according to his CRD report: February 2023. “The claims are that the rep sold an unsuitable, illiquid, and risky investment to the Claimant and that he overconcentrated her portfolio in one investment. The purchase of GWG happened in December 2018.” The customer is seeking $106,000 in damages, and the case is currently pending. The complaint is related to GWG Holdings Inc. investment losses. August 2022. “Unsuitability and omission of Material facts. The customer purchased an investment and then later the company filed for Chapter 11 Bankruptcy.” The customer is seeking $200,000 in damages, and the case is currently pending. Pursuant to FINRA Rules, member firms are responsible for supervising a broker’s activities during the time the broker is registered with the firm. Therefore, Westpark Capital, Inc. may be liable for investment or other losses suffered by Kim Kunz’s customers. Erez Law represents investors in the United States for claims against brokers and brokerage firms for wrongdoing. If you have experienced investment losses, please call us at 888-840-1571 or complete our contact form for a free consultation. Erez Law is a nationally recognized law firm representing individuals, trusts, corporations and institutions in claims against brokerage firms, banks and insurance companies on a contingency fee basis. "*" indicates required fields

https://www.erezlaw.com/blog/kim-kunz/

W E Cox Claims Group are delighted to announce the appointment of leading Fine Art & Specie expert, Perry Bowen, as Director of Specialty Claims. Perry brings a wealth of experience, having been a leading figure in Lloyd's of London for in excess of 20years. Whilst Perry’s primary focus has been leading Fine Art & Specie claims divisions, for well-known Insurers, he is also considered a leading figure in Marine, Property & Specialty Lines. Having begun his career with a leading Lloyd's Syndicate in the early 1990’s, Perry quickly progressed to the role of Claims Manager & is considered a global expert in complex, high value losses. W E Cox Claims Group will now be in a position to provide a genuine, premium, expert service to the Fine Art & Specie market. Offering unparalleled 24/7 access to a team of experts, client service will be paramount. The expertise delivered by Perry & his team, will ensure W E Cox Claims Group are able to provide the leading global independent expertise & support that is required. Offering a unique bespoke service to accommodate all clients' requirements, W E Cox will ensure quality claims handling on behalf of its customers. The seamless total claims solution provided by Perry & his team, will assist underwriters & brokers, ensuring efficient quality claims handling will be at the forefront of business retention & growth. Perry Bowen joins W E Cox Claims Group (Europe) Ltd with effect from the 10th April 2017. W E Cox Claims Group (Europe) Ltd 140 Fenchurch Street Phone: + 44 203 859 9064 Fax: + 44 207 488 2580

https://www.wecoxclaimsgroup.com/w-e-cox-claims-group-ltd-launch-fine-art-specie-division/

Teledentistry (Invisalign) Professional Liability Insurance The Doctor’s Insurance Agency provides Medical Malpractice Professional Liability Insurance for Teledentistry Groups. While we treat each telemedicine practice as a custom risk, in the end, they all seem to be rated in a ‘pure risk’ fashion. Which is to say: the group projects the number of ‘consults’ or ‘reads’ and the premium is developed as a function of that regardless of the number of providers required to read or complete the contractual commitments of the Telemedicine group. To get a quote, the Teledentistry Group will need to project the volume on Teledental consults by locale (we use a spreadsheet to break this out by State) since the premium costs vary from territory to territory. On the spreadsheet you can see what the underwriters are thinking and get an idea of the kind of information that the underwriters use in order to develop the premiums. Basically- who is on the roster, and how many reads they each do in a current policy year, in each state. We’ve found that as the telemedicine roster grows, having a third aggregate policy limit of $5M or higher is an important consideration for groups who have large rosters that require this extra level of protection for the entity. Policies seem to have a minimum premium of $ 5,000- $ 7,000 annually for limits of 1 Million per claim/ 3 Million in any one policy year total. The approximate ‘price per consult’ is $ 1.00 -- $ 1.25 annual premium per consult for 1 Million / 3 Million policy with often no deductible. As the volume increases the ‘per consult’ premium goes down (at 150,000 consults, the premium would drop down to approximately .75 cents). We use a Telemedicine Spreadsheet as a tool to communicate with the underwriters at application, and at any subsequent change to the group risk involving adding new physicians or expanding the current roster into new states. (They’ll adjust the premium mid-term only for new physician/state risks and based only on a recalculation of the current FTE’s & taxes, and only if it exceeds the policy minimum.) These policies aren’t audited at the end of the year so no additional premium will apply, however at the policy period end, the underwriters require a renewal application for the entity (only) along with an updated spreadsheet showing projected reads by practitioner for each state covered. Conditions that new dentists need to meet in order to be automatically cover Teledentistry Groups are actively recruiting new dentists, there are 3 conditions needed to add each dentist to the blanket endorsement: - Have had no more than three medical malpractice claims made against him or her - Have had no claim paid or reserved in excess of $150,000 in indemnity - Have had no board suspension, license probation, disciplinary action taken or felony conviction Teledentistry is one method of getting low-income patients affordable dental care.

https://www.doctorsagency.com/blog/are-you-starting-a-small-teledentistry-company

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https://evaluateyourlife.com/accc-agent-login/

Conferences, Webinars, and Events "Business Insurance" has announced speakers who will participate in its upcoming 2024 World Captive Forum January 24–26 in Orlando, Florida. The Oklahoma Captive Insurance Association (OCIA) has joined the Western Region Captive Insurance Conference (WRCIC). The OCIA's addition to the WRCIC sets the stage for the 2024 WRCIC conference, scheduled for April 15–17 at the Tulsa Club in Tulsa, Oklahoma. The Bermuda Development Agency (BDA) is accepting registrations for the BDA's 2024 Bermuda Risk Summit, scheduled for March 13–15 at the Hamilton Princess & Beach Club. Early bird registration rates for the Bermuda Development Agency’s 2024 Bermuda Risk Summit are available until December 15. The Captive Insurance Companies Association (CICA) has opened registration for its 2024 International Conference March 10–12 at the Westin Kierland Resort & Spa in Scottsdale, Arizona. The theme of the 2024 CICA conference is Captives: Innovative Solutions to Complex Problems. A recent panel discussion focused on various strategies and challenges associated with captive insurance company claims management. The Vermont Captive Insurance Association conference panel included Clare Bello of VCM, William Halligan of Agri-Services Agency, and Dusty Otwell of Clinician Assurance, Inc.

https://www.captive.com/news/conferences-webinars-and-events?&page=2

Conrey Insurance Brokers and Risk Managers is one of Southern California’s fastest growing mid-sized insurance brokers. We offer nearly every insurance and investment product available. We have access to an extensive partner insurance carrier and financial services firms network, bringing a plethora of choice. We combine strong moral values such as Integrity, Responsibility and Professionalism with the vision of becoming an organization that makes every person understand they are important to us. Our purpose is to be a rock, a stable influence as the liaison between the coverage provider and the insured, to make certain that there is confidence that should a loss occur, a proper resolution will be achieved. The primary goal of Conrey Insurance Brokers and Risk Managers is to partner with our clients to provide expert strategies, resulting in the peace of mind that comes from knowing what matters most to them is properly protected. We understand what it took to have gathered, grown or built what you have over the years. We too started from the ground up – just like you. We are familiar with the pitfalls, and can relate to the pride of accomplishment. This is also why we know the importance of getting your insurance protection right. Others may focus on price. Although important, it’s not the ultimate goal… proper protection is! And that is our truest focus. We are committed to developing the best solution possible to protect what you have built. We deliver maximum value, and expert strategies that safeguard what matters most. We worry so you don’t have to. In light of this, it is only logical that we would want to help protect those whom deliver on the dream of educating young people in the superior environment of a Charter School. These schools are unique, and therefore deserving, of specialized representation. Conrey Insurance Brokers and Risk Managers recognize this and has sought out an expert in the field, Marsha Multz, who has in excess of 20 years experience. She will be spearheading our newest program: Academy Risk Managers (ARM), whose purpose is to completely focus on the unique insurance requirements of Charter Schools.

https://conreyinsurance.com/academyrisk/

BIRMINGHAM, Ala. – Regions Insurance, an affiliate of Regions Bank, announced today that Mike Breedlove has been named Executive Vice President of Property & Casualty Operations. Breedlove will be responsible for leading the company’s property & casualty strategy across the country through a growing network of offices throughout the Southeast, Texas and Indiana. Breedlove currently serves as Regional Executive for the Southeast Region of Regions Insurance and will continue in that capacity. The Southeast Region includes offices in Georgia, South Carolina, Florida, Arkansas and Texas. Rick Ulmer, President and CEO of Regions Insurance Group, Inc., commented, “I am confident Mike has the skills, relationships and tenacity to lead this critically important effort for Regions Insurance Group. Our P&C producers need to be supported with a clear strategy, targeted resources and focused revenue generating opportunities all while aligning with our strategic carrier partners.” Prior to joining Regions Insurance in 2012, Breedlove was affiliated with WS Pharr & Co. for more than 20 years, including five years as President and COO. He is a graduate of Concordia University in Chicago. Regions Insurance serves customers across the country through a growing network of offices throughout the Southeast, Texas and Indiana. In addition to business insurance and individual insurance options, Regions Insurance also provides employee benefits services and captive insurance solutions. About Regions Insurance Regions Insurance, an affiliate of Regions Bank, is ranked among the top 35 U.S. insurance brokers. In 2016, Regions Insurance was recognized among the top 10 fastest growing large-group employee benefit brokerages in the U.S. with $10 million to $50 million in large-group revenue, as presented by Employee Benefits Adviser in partnership with business intelligence data analytics firm miEdge. Regions Insurance offers comprehensive insurance solutions and risk management services for businesses and individuals through more than 600 insurance professionals. Additional information about Regions Insurance and its products and services can be found at www.regionsinsurance.com. About Regions Financial Corporation Regions Financial Corporation (NYSE:RF), with $123 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, mortgage, and insurance products and services. Regions serves customers across the South, Midwest and Texas, and through its subsidiary, Regions Bank, operates approximately 1,500 banking offices and 1,900 ATMs. Additional information about Regions and its full line of products and services can be found at www.regions.com.

https://doingmoretoday.com/regions-insurance-taps-mike-breedlove-lead-property-casualty-operations/

|£65000 - £85000 A leading, modern Fire Consultancy is eager to welcome an experienced Senior Fire Engineer to their dynamic team. This role is based in a vibrant, fast-paced consultancy that prides itself on its innovative approach and commitment to excellence in the fire engineering sector. With operations in key sectors such as Commercial High-Rise and Residential, the consultancy is at the forefront of fire safety and engineering solutions. The Senior Fire Engineer's Role The appointed Senior Fire Engineer will play a pivotal role within the consultancy, working closely with the Head of Fire Engineering. This position demands a proactive approach to managing a diverse range of projects across various sizes and sectors, emphasizing the importance of leadership in mentoring junior Fire Engineers and managing teams effectively. A deep understanding of compliance fire regulations and the agility to adapt to future changes in the field are fundamental aspects of this role. The Senior Fire Engineer - A minimum of 4 years' experience in Fire Engineering, demonstrating a solid track record of success and expertise. - Chartered Engineer in fire or working towards it, showcasing a commitment to professional development. - A degree in Fire Engineering, Structural Engineering, or a related discipline, providing a strong technical foundation. - Demonstrated experience in managing teams, highlighting leadership and collaborative skills. - Proficiency in FREAW's (Pas 9980) and a history of leading client-facing meetings, underscoring strong communication and project management capabilities. - A proven track record in the Residential and Commercial sectors, ensuring a comprehensive understanding of these critical areas. - An entrepreneurial spirit, with experience in business development, driving growth, and fostering strategic relationships. - £65,000 - £85,000 - 31 days, including bank holidays - Hybrid Working - Professional Development: Fully funded pathway to chartership and covered professional memberships relevant to your role. - Private healthcare scheme - Company pension, gym membership, and a range of company events to foster a strong team spirit and work-life balance. If you are a Senior Fire Engineer looking to make a significant impact and advance your career with a leading consultancy, this opportunity is for you. For more information and to apply, please contact Matthew Orchard at Brandon James. TEL: 01628 367 049 Senior Fire Engineer, Fire Safety Engineering, Fire Consultancy, Chartered Engineer, Fire Engineering Leadership, Commercial High-Rise, Residential Fire Safety

https://www.brandonjames.co.uk/job/senior-fire-engineer-mo16428f12-1707724803

I don’t envy the job of an insurance executive in 2017. The traditional insurers are being challenged like never before. Web-focused insurtech startups threaten the conventional brokerage model the industry has utilized for decades. New MGAs are unlocking fresh sources of data that compel incumbent underwriters to innovate or risk obsolescence. Even the established geopolitical order is being upended by systemic shocks on both sides of the Atlantic, exacerbating risk. Not least of all, an insurance executive in 2017 enjoys no easy choices in deciding where to direct excess capital. On one hand, historically low interest rates prevent insurers from earning their required rates of return through investment of their cash balances. Even if central banks continue to pursue policies that preemptively rein in inflation, it is unlikely that incremental rate increases will enable insurers to reach their target yields. On the other hand, an increasingly competitive underwriting environment is squeezing profits as insurers vie for the same customers. There is a riff on a trendy insurance theme that suits this challenge: “when the market gives you lemons, make lemonade.” In the absence of yield and premium growth, traditional insurance firms need to be open to capturing new market opportunities as they arise. See also: 5 Cs of Transformation in Insurance One vast and largely untapped opportunity for premium growth is the global solar energy market - specifically insuring the energy production risk of solar power assets. The solar market has grown exponentially over the last decade. Propelled by a virtuous cycle that resembles Moore’s Law – in which cost reductions drive demand and new demand growth further reduces cost – solar power equipment has never been cheaper. This dynamic, coupled with innovative business models that have opened the doors to new customers, transformed solar from a niche industry to a half trillion-dollar market in a little over ten years. In 2020, there will be over a trillion dollars of solar assets in operation. Insuring the energy production of these assets represents a similarly gargantuan market opportunity for new premiums estimated at $50 billion. Why has such a large market opportunity for insurance not been pursued previously? The solar market is not completely new to the insurance industry. Solar power asset owners have had a range of risk transfer options. A solar asset owner might have a policy insuring sunny weather or construction quality, in addition to standard manufacturer warranties on the solar equipment. The problem with these narrowly-tailored options has been two-fold. First, relying on manufacturer warranties for equipment has been a dubious risk transfer strategy for solar asset owners. The global solar manufacturing business is highly competitive with thin margins spread across hundreds of equipment brands. It makes sense – this intense competition has driven the cost declines that have helped facilitate the market’s growth. But it also means that many manufacturers are forced to exit the market altogether, leaving the validity of their warranties in question. Second, and most importantly, holding so many different policies creates burdensome claim processing, decreasing the value of insurance for asset owners. If a solar power asset does not produce as expected, the various insurers holding risk have been prone to attribute these impediments to factors not covered by their policies. Weather insurers will blame construction practices, the construction claims adjuster attributes problems to equipment failure, and so on. This “passing of the buck” on liability diminishes the value of these policies, consequently suppressing the market opportunity for insurers. A complete production insurance offering, wrapping all of these risk factors into a single policy, would solve this challenge. In solar project finance, loans are supported by revenue from electricity sales contracts. Lenders, therefore, chiefly care about one question: will an asset produce the power it is expected to generate in order to yield cash for loan installments? As cautious institutions facing a novel risk, lenders typically issue loans that are up to 50 percent smaller than the size that solar asset owners want. This is far from ideal. Every dollar of project capital not financed by loans requires a dollar in equity, which invariably has a higher cost of capital. By transferring the lender’s energy production risk to an insurance balance sheet, asset owners are able to swap debt in place of equity in project capital stacks. But, of course, how should an insurer get comfortable with this new risk? How can insurers be confident they can underwrite this risk? As clear as this new opportunity is, insurers still face hurdles when determining the best approach to entering the solar market. The barrier for insurers is how to have a clear understanding of the new risk pool they would be assuming. See also: Shaping the Future of Insurance The missing bridge between the solar market and insurers has been the availability of historical asset performance data. Would-be MGAs assessing the solar market quickly discover that they lack the actuarial data necessary to offer competitive policies that fit the solar market need. Instead, MGAs seeking to enter this market would be forced to rely on proxies for data, such as theoretical models. The subjective nature of these proxies ultimately undercuts the value created for solar asset owners and reduces the opportunity for new premiums. Big Data analytics can fill this gap by aggregating the performance of tens of thousands of solar energy assets across dozens of variables, including equipment brand, climate, weather, construction company, and more. Such aggregation and statistical modeling would resolve the knowledge gap currently preventing insurers from reaching this market. In my conversations with the various stakeholders in this market opportunity– insurers, potential policyholders, and lenders – I’ve discovered that there is strong appetite for this kind of policy offering in solar project financings. Solar energy production insurance adds value for all of these parties. By allowing more debt in the project capital stack facilitated by data-informed insurance underwriting, asset owners can access a lower cost of capital. Lenders can be confident that their exposure to power production risk is limited. And insurers, faced with challenging macro conditions, will have found a natural growth market to boost premium revenue, profitably. Lemonade indeed.

https://www.insurancethoughtleadership.com/emerging-technologies/insurances-1-trillion-opportunity