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Sales of travel insurance have gone up 277 per cent in a week in the wake of the global coronavirus outbreak. Holidaymakers are being advised to sort travel insurance as soon as they’ve booked a holiday. Sales of travel insurance are up 159 per cent year on year and have risen 277 per cent in the last week. Sally Jaques from GoCompare Travel Insurance , said: “With the coronavirus spread showing no sign of easing ahead of the Easter break and with many holidaymakers set to travel abroad, we are seeing a shift away from customers buying ‘same day or within a week of travel’ to ‘1 month to travel’. "This would suggest that customers are buying earlier for their Easter holidays, and other later dates. We are also seeing purchases increasing significantly, and comparing this to the same day last year, they’ve increased by 159%. "The key message is to make sure you have travel insurance in place as soon as you’ve booked. If you’ve booked and haven’t got insurance, get it sorted as soon as possible. "If you have insurance in place and the FCO advises against travel to your destination, you should be covered, whereas if they have listed your destination area as no travel before you buy your policy, an insurer won't pay out. "Travelers already in travel restricted zones and trying to leave will continue to be covered by travel insurance, whereas anyone actively trying to travel to these areas or any other area which has a travel restriction imposed by the FCO would now risk invalidating their travel policy. "If you’ve booked a trip and now want to cancel it, then you may find your insurer won’t refund you if there’s no warning on travel to your destination. If you’ve booked flights and accommodation separately, it’s worth contacting the airline you’re flying with to seek their advice on disruption to future flights. We’d also urge people to get in touch with their insurer to check cover and restrictions, or for more specific advice relating to their policy. "As of the 28th February 2020, the Foreign and Commonwealth Office (FCO) has advised against all travel to Hubei Province, and against all but essential travel to the rest of mainland China, the cities of Daegu and Cheongdo in South Korea and ten small towns in the Lombardy region and one in the Veneto region of Italy. "More information on the FCO travel restrictions and general travel advice can be found here: https://www.gov.uk/guidance/travel-advice-novel-coronavirus ." Key points to remember for travelers: - Make sure you have travel insurance in place as soon as you’ve booked. - If you have insurance in place and the FCO advises against travel to your destination, you should be covered - Anyone actively trying to travel to an area which has a travel restriction imposed by the FCO would now risk invalidating their travel policy. - If your destination has travel restrictions imposed before you buy your policy, an insurer won't pay out. - Get in touch with your insurer to check cover and restrictions, or for more specific advice relating to your policy. - Keep a close eye on FCO travel restrictions

https://www.hulldailymail.co.uk/news/uk-world-news/sales-travel-insurance-rise-277-3904834

(Image credit: Tobias Hämmer.) Understory, a Madison, Wisc.-based weather network and analytics startup offering parametric insurance for severe weather risks, has launched its supplemental hail insurance product for automotive dealers in five new states: Arizona, New Mexico, Ohio, Pennsylvania and Wyoming. Understory describes Auto – Hail Safe as the first-ever parametric hail insurance product that allows automotive dealers to protect their vehicles from the rising cost of hail storm damage. Supported by the international weather risk insurance company, MSI GuaranteedWeather (Overland Park, Kan., a wholly owned subsidiary of Mitsui Sumitomo Insurance Co., Ltd., Tokyo), Auto – Hail Safe provides customizable, cost-effective pricing, no financial deductibles and quick, predictable payouts when a damaging storm strikes. Originally launched in November 2019, Auto – Hail Safe is now available to dealerships in a total of 17 states including: Colorado, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota, Texas, and Wisconsin. Understory addresses the need caused by weather perils that cause billions of dollars of property damage annually, of which hailstorms are a significant contributor. For example, a single hailstorm can cause millions of dollars in damages to an auto dealer’s inventory. “Climate-vulnerable industries such as retail automotive rely on insurance to recover quickly after severe weather has occurred, yet traditional policies are becoming increasingly unaffordable or unobtainable for thousands of dealerships across the country,” an Understory statement says. Supplementing the Traditional Risk Management Approach “We’re excited to expand the reach of Auto – Hail Safe into these five new states and offer a lifeline to auto dealers, whose businesses are increasingly impacted by hailstorm damage,” comments Alex Kubicek, co-founder and CEO, Understory. “Traditional policies are no longer enough. Auto – Hail Safe allows dealers to supplement their risk management approach and bounce back quickly from a hailstorm without the hassle of a lengthy claims processes or unmanageable financial deductibles.” Auto – Hail Safe is geared to simplify typical insurance complexities for auto dealers. First, a dealer chooses from different tiers of coverage depending on the desired payout and storm severity. Next, Understory will install and maintain a Dot sensor on each policy holder’s dealership to provide precise weather measurements. When hail reaches the conditions agreed upon in the policy, the sensor will activate claims to the insured, without the need for any paperwork or lengthy claims process. Auto – Hail Safe from Understory can be used to cover a wide range of economic damage an auto dealer might experience, including vehicles, roofs, property loss, revenue loss, advertising, and other expenses. Understory is currently expanding globally, with sensors deployed sensors in Argentina, where farmers have struggled to maintain weather-sensitive, high-value crops because of hail and other harsh storm damage. It has also placed them in France to assist grape-growing farmers. In addition to hail-belt states in the United States, Understory has also deployed sensors in Massachusetts and Texas to measure air quality and help local communities with public safety programs.

https://iireporter.com/understory-launches-hail-insurance-for-automotive-dealers-in-five-new-states/

On a recent edition of AAIS Pulse, NAIC CEO Mike Consedine sat down with AAIS President and CEO Ed Kelly to share his insights on major regulatory issues facing the insurance industry and the NAIC. COVID-19 has undoubtedly impacted a wide range of industries, including insurance– specifically the auto and cyber sectors. Mr. Consedine outlined how the NAIC had the chance to reflect on its response to the unprecedented environment and situations that resulted from the pandemic. He also pointed out that state insurance regulators stepped up during this challenging time, swiftly responding and formulating “workable solutions (that were) responsive to consumers” while balancing the wants and direction of the insurance industry. According to Mr. Consedine, the “insurance system and sector” performed admirably. Mr. Kelly prompted a burning question pertinent to AAIS’s work on an NAIC COVID-19 Data Call, “should insurers be picking up business interruption (BI) losses from COVID-19?” The pandemic has taught us a lot of lessons, according to Mr. Consedine, including the issue of coverage gaps…that consumers had “expected.” While the NAIC “doesn’t get involved in coverage disputes”, the NAIC has engaged with Congress as it has looked at TRIA-like solutions to pandemic risks. Mr. Consedine believes the industry should address this gap, adding that state regulators are “ready to be at the table, providing guidance on a solution”. Mr. Consedine and Mr. Kelly went on to discuss the impact of the pandemic on cyber and auto insurance, as well as issues related to climate change and industry resiliency, homeowners, and cannabis insurance, and much more. Click here to delve into this enlightening conversation and learn more about the NAIC’s actions to address these issues, and more.

https://aicp.net/naic-ceo-shares-insights-on-insurance-regulation/

Water intelligence technology provider WINT Water Intelligence has won gold at the Insurance Times Awards in London. The gold award for the Excellence in Technology – Claims category went to WINT’s artificial-intelligence-powered solution, which lets insurers, facilities managers, and construction and building services contractors reduce water damage risk and claims. WINT Water Intelligence picked up the award with one of its U.K. partners, Aqualytics, which provides on-the-ground customer service for WINT technology. WINT’s technology helps construction projects, existing buildings and estates, and newly built facilities avoid water damage-related claims by identifying anomalies, leaks, and waste at the source, alerting facilities managers and shutting off water supplies when necessary. The U.K. Society of Claims Professionals states in “Escape of Water – Good Practice Guide for Claims Professionals” (January 2019) that “escape of water” has become a common and significant issue. According to the Association of British Insurers, the total cost of escape of water claims has increased year on year by 28%, and insurers are paying out nearly $5.1 million per day on claims in the U.K. alone. The Excellence in Technology – Claims category recognizes solutions that improve internal and external operational and administrative claims processes in the insurance market. The judges, made up of leaders in the insurance market, were looking for tangible evidence that technology has improved operational efficiencies, claims processes, customer services, and business administration. The judges described WINT as “a cool product – honest, clear and knows the market. We need something like this in our businesses.” WINT uses artificial intelligence (AI) and pattern matching to detect water leaks and waste. It continuously learns and adapts to a building’s water network to ensure detection and prevention are optimized for each site. WINT devices are fully autonomous and will continue to operate even regardless of network coverage. In addition to preventing water leak damage, WINT also detects and alerts staff of ongoing waste, from such sources as malfunctioning devices and unnoticed non-damaging leaks. Organizations that use WINT report savings of 20% to 25% of their ongoing water consumption, helping them reduce their environmental footprint and improve their sustainability stance. “The insurance sector has been suffering a massive financial impact from the rise in water damage claims,” said Alon Geva, CEO of WINT. “We’re proud to be recognized by Insurance Times as a leader in helping the industry reduce this tremendous source of risk with innovation and smart technology.” WINT solutions are used at thousands of locations worldwide. Reducing the risk of major property damage from burst pipes and undetected leaks has enabled organizations to avoid costly water damage, lost productivity, and increased insurance premiums while reducing their ongoing water consumption and environmental footprint.

https://facilityexecutive.com/wint-ai-powered-leak-prevention-technology-wins-gold-award

Contact: Marketing Dept. GTM PAYROLL SERVICES NOW AUTHORIZED TO PROVIDE PAY-AS-YOU-GO (PAYGO) WORKERS’ COMP THROUGH THE NEW YORK STATE INSURANCE FUND (NYSIF) CLIFTON PARK, NY – May 25, 2016 – The NYSIF has announced that clients of GTM Payroll Services can now get their PAYGO workers’ compensation insurance policy through the state fund. Clients can enroll at their renewal date or when adding a new NYSIF policy. PAYGO workers’ comp lets businesses pay for coverage as their payroll is processed, instead of basing premiums on an estimate of projected annual payroll and subject to fees, providing better control over cash flow. Other benefits include: - No large premium down payments - Minimal audit adjustments - Premium is calculated on actual payrolls - No monthly billing or finance fees GTM is approved by InsurePay, NYSIF’s software provider, to provide NYSIF PAYGO to eligible policyholders. About GTM Payroll Services Founded in 1991, GTM Payroll Services is a recognized leader in payroll and workforce management solutions for families that employ domestic help and businesses across all sectors and sizes. Today, GTM processes more than $1 billion in payroll every year for more than 30,000 employees. GTM’s staff includes certified payroll professionals, licensed insurance brokers, human resource managers, employment tax experts, and CPAs. GTM has been featured by the Times Union and The Business Review as one of the best places to work in the Capital Region. GTM has also made the INC 5000 list eight times as one of the fastest-growing U.S. companies. For more information, visit GTM Payroll Services at GTM.com.

https://gtm.com/gtm-now-offers-paygo-workers-comp-nysif/

"Joe has been instrumental in helping to establish the wholesale-focused management liability operations for ACE Westchester," said David Lupica, President, Professional Risk, ACE Westchester Specialty Group. "With his proven industry experience and broad knowledge of this market, Joe will be invaluable in providing effective management liability, risk management, underwriting services and solutions to the wholesale brokerage market." Mr. Casey has more than 13 years of risk management, underwriting and business development experience in the insurance and financial services arena. He joined ACE USA in 2000, serving as Vice President, Product Line Manager for ACE USA's retail-focused Professional Risk Division. His previous tenure includes several senior leadership roles with National Union (AIG) in New York City, where he was responsible for underwriting all management and professional liability lines for banks and insurance companies. In addition, Mr. Casey oversaw the opening of Starr Excess' London office, where he ran a variety of financial services underwriting operations and developed underwriting and marketing strategy for the United Kingdom and Europe. He received his Bachelor of Science degree in Finance from the University of Wisconsin--Eau Claire. To learn more about ACE Westchester Specialty Group's products and services, please visitwww.westchesterspecialty.com. ACE Westchester Specialty Group is the U.S.-based wholesale focused excess and surplus property and casualty operations of the ACE Group of Companies, which is headed by ACE Limited (NYSE:ACE). The ACE Group of Companies provides insurance and reinsurance products and services through operating subsidiaries for a diverse group of clients around the world.

http://chubb.mediaroom.com/2006-03-27-ACE-Westchester-Specialty-Group-Appoints-Joseph-Casey-as-Senior-Vice-President-Management-Liability

Access Holdings obtains regulatory approvals to acquire Megatech Insurance Brokers Access Holdings Plc has announced obtaining all required regulatory approvals to acquire Megatech Insurance Brokers Ltd. Access Holdings’ Company Secretary, Mr Sunday Ekwochi made the announcement on the floor of the Nigerian Exchange Ltd (NGX) in Lagos. According to him, the acquisition of the company complements Access Holdings bouquet of product offerings in pursuit of its vision. Ekwochi said that the vision of the Holdings was to build globally connected community of ecosystems inspired by Africa for the world. He added that following the acquisition, Megatech will endeavour to create a world where risk is efficiently managed, so that the companies can confidently seek and seize opportunities for growth. Ekwochi said, “Access Holdings is pleased to inform the investing public and the Nigerian Exchange Ltd (NGX) that it has obtained all required regulatory approvals for the acquisition of Megatech Insurance Brokers Ltd. “Megatech Insurance Brokers is an insurance brokerage company licensed and regulated by the National Insurance Commission”. Dr Herbert Wigwe, Group Chief Executive Officer(CEO), Access Holdings, while commenting on the deal, said that the acquisition was a natural step of the company’s evolution as a globally connected community and ecosystem, stressing that this aligns with the Holding’s mission to build and sustain one global platform which is open for anyone to join and be connected to exceptional opportunities. According to the CEO, the company would design and provide intelligent solutions that mitigate the unique risks faced by individuals and businesses as this is needed in an ever-changing world using leading risk management tools and governance standards.

https://theoceaniatimes.com/brokers/access-holdings-obtains-regulatory-approvals-to-acquire-megatech-insurance-brokers/

Digital insurance provider Lami Technologies is partnering with Unchorlight Kenya (UNK), to provide boda boda riders in the country with access to suitable and reliable insurance covers. UNK is a mobility fintech company that delivers a rent-to-own model finance service known as ZARIBEE for boda boda riders in Kenya. ZARIBEE services aim to empower riders with easier access to motorcycles by supporting them with affordable digital credit to acquire riders’ “own bikes” and accelerate the power of the country by supporting them to form a “reliable community” in which they grow together. Through its partnership with Lami, UNK will offer its riders protection with motorcycle insurance and personal accident cover, which are essential needs that enable riders to keep striving while achieving their day-to-day goals with minimal disruption to their livelihoods. “We are committed to growing Kenya’s boda boda sector and working with partners such as Lami Technologies to introduce digital insurance solutions that will not only promote an inclusive society but will also benefit riders and passengers – and the economy. As an emerging startup, we look forward to partnerships that enable us to grow our offerings. ” Renji Morita, CEO, Unchorlight Kenya said. Waithera Thinguri, Head of Business Growth, Lami Technologies said, Boda boda’s are critical to Kenya’s transport system, and with the number of riders growing year by year, it is important to address the insurance gap in this sub-sector. ”As such, we are proud to have partnered with Unchorlight in leveraging our technology to launch reliable and suitable insurance coverage for boda boda riders, an integral part of Kenya’s economy. With thousands of people using boda boda’s daily, our digital insurance platform integrated into this solution will have a substantial and positive impact on driving inclusive growth for riders in Kenya.” According to a report launched by Car & General in 2022, there are 1.2 million boda boda riders in Kenya, 9 out of 10 boda boda’s are used for commercial purposes, representing over 1 million jobs created, where 75 percent are youth and 6 percent women and subsequently contributing to 3.4 percent of the country’s GDP. The huge growth in the sector has been accompanied by avoidable injuries and deaths. Further data from NTSA shows that 30 percent of road traffic accidents involve boda boda’s and indicates the majority of the accidents tend to involve injury. The accidents cause the injured to rely on already overburdened families and friends to help cover the hospital bills through contributions/harambees. Focus on the boda boda industry has primarily been on financing solutions, overlooking safety and insurance. As of 2020, the insurance penetration rate in Kenya decreased to 2.17 percent, down from 2.34 percent in the preceding year and 2 out of every 3 boda boda riders are either underinsured or uninsured. Most boda boda’s can’t afford annual premium payments for their insurance covers and the current insurance policies available include lengthy paper-based processes with claims taking up to 30 days or more. Through Lami’s platforms, UNK can access instant motor and personal accident insurance for its riders and credit life insurance on the motorbikes issued on Rent-to-Own basis. UNK will also be able to access products from multiple underwriters, therefore, increasing its insurance portfolio. With this partnership, riders no longer have to deal with the slow issuance of motorcycle certificates and policy documents. Additionally, this partnership has also led to reduced conflicts with law enforcement agencies as there is increased compliance.

https://techtrendske.co.ke/2023/02/16/lami-joins-forces-with-unchorlight-kenya-to-provide-insurance-covers-for-boda-boda-riders/

From May 23-26, 2022, the Wireless Infrastructure Association (WIA) is hosting Connect (X) 2022 in Denver, Colorado at the Hyatt Regency Denver Convention Center. North America’s largest conference for leaders in 5G infrastructure, Connect (X) is a world-class trade show and expo for the connectivity sector where industry professionals can learn, network, and get connected. USA Telecom at Connect (X) 2022 USA Telecom Insurance Services expert advisors Dennis Robinson and Stephanie Brewer will be in attendance at Connect (X) to meet with clients at networking events and share information about our comprehensive insurance coverage and unique telecommunications program. Learn more about Dennis and Stephanie below. - As CEO of USA Telecom and vice president of Insurance Office of America, Dennis Robinson specializes in telecom industry accounts and general construction business for cellular and wireless contractors. His focus is on evaluating, establishing, and implementing proper safety and risk control services to achieve best-in-class status for commercial clients and partners interested in mutually beneficial relationships to increase profits. - As director of telecommunications safety and compliance at USA Telecom, Stephanie Brewer supports clients in risk management and safety, compliance, training, and operational efficiencies. She has nearly 15 years of experience working in the telecommunications industry and remains actively involved in many areas serving as an advocate for the telecom clients she represents. Reach out to us ahead of Connect (X) to set up a meeting in the exhibit hall, or connect with us at one of the connectivity expo’s exciting events throughout the week. Click here for a full schedule of events. We hope to see you there! Get to Know USA Telecom To guard your organization with top-quality coverage, partner with a provider that designs programs for your industry. At USA Telecom Insurance Services, our program includes property, commercial automobile, general liability, workers’ compensation, umbrella, and drone coverage. If you’re interested in selecting coverage for your tower company or learning more about our insurance options, contact us today.

https://usatelecomins.com/connect-with-usa-telecom-in-denver-at-connect-x-2022/

Swiss Risk & Care perceives itself to be an architect of insurance solutions. While searching for the coverage most adapted to its clients’ requirements, both corporate and individual, Swiss Risk & Care has developed a functional agility that guarantees responsiveness and innovation.Read more Swiss Risk & Care, the culmination of a long history Swiss Risk & Care came into being in 2014, brought about by the determination of three insurance brokers: hpr, Unirisc (member of the SCIACI SAINT HONORE group) and Unicare. Their goal is to provide a global offer based on the addition of complementary specialities. Since then, other companies have joined the group and expanded the services that we offer our clients. In total, there are six brokers who share the same vision of their advisory business and, with the benefit of several decades of experience between them, make up the Swiss Risk & Care Group. Now a leading broker in French-speaking Switzerland, Swiss Risk & Care has emerged as an independent actor and a reference in insurance, pension provisions and HR services. Swiss Risk & Care provides support for its clients in Switzerland and on an international level via its network of partners (MSH International - SCIACI GLOBAL PARTNERS). Creation of hpr Combining the know-how of the LPP expert (Loi fédérale sur la prévoyance professionnelle vieillesse, survivants et invalidité, or the Federal Act on Occupational Retirement, Survivors’ and Disability Pension Plans) and the broker, hpr quickly became one of the main players in the French-speaking insurance and occupational pensions market. Creation of Unirisc Specialised in insurance consultancy, HR services and risk management, Unirisc draws on its partnership with the SIACI SAINT HONORE GROUP (which had become a majority shareholder in 2013) and Jardine Lloyd Thompson Group to provide worldwide access to products and services. Creation of Unicare hpr and Unirisc joined forces to found a single helpdesk platform in the field of collective health insurance policies. Unicare offers its services and insurance solutions to multinational companies. Creation of Swiss Risk & Care hpr, Unirisc, and Unicare came together to form Swiss Risk & Care and has become the leading broker in French-speaking Switzerland, SIACI SAINT HONORE GROUP has become a reference shareholder by this way. Gencare joins Swiss Risk & Care Gencare has been providing insurance solutions to international organisations for over 20 years and will strengthen Swiss Risk & Care’s offering to this client base. A&A Prévoyance joins Swiss Risk & Care A&A Prévoyance, based in French-speaking Switzerland, specialises in comprehensive and personalised pension solutions. Gest-Union joins Swiss Risk & Care Gest-Union, a service, analysis, management, and insurance brokerage firm, is based in Ecublens. Sale of the Actuarial/Consulting/Pension fund management activities This sale to Groupe Mutuel is in line with Swiss Risk & Care's strategy of refocusing its activities on its core business, insurance and pensions brokerage, to which HR services are added. locations in Switzerland leading broker of Switzerland broker in the Lemanic Arc area and Lloyd’s broker in Switzerland premiums under management (mio CHF) Diot-Siaci, our parent company Swiss Risk & Care is an affiliate of Diot-Siaci, one of the European leaders in counselling and the brokerage of insurance for assets and persons on four continents. The Group provides support for its clientele made up of large corporations, SMEs and mid-tier firms over the entire value chain to manage and guide their risks for IARD and Transport, Social Security and International Counselling and Mobility. It employs over 5'000 staff members, insures more than 3'500 companies and 5 million people worldwide and had a turnover of 728 million Euros. Our areas of expertise Payroll and HR services at your fingertips.Read more

https://www.swissriskcare.ch/en/about-us/our-identity

Open Source Business Intelligence Tools In Reinsurance Strategies – We present the Insurance Agency Market Report 2024 – a comprehensive collection of 115 pages that reveals important information about the current state, size, scope and control of the market. In today’s digitally driven world, understanding market conditions is not only important but also necessary for businesses and marketers. With the growing importance of artificial intelligence (AI) in reshaping the industry landscape, this report takes an in-depth look at the critical role of AI in transforming the insurance industry. In addition, it examines topics such as value chain optimization, business strategy evaluation, current developments, opportunity analysis, market growth strategy analysis, product launch, marketing and presence of science. Our reports are expertly prepared to empower you with the knowledge you need to make informed decisions and maintain a competitive edge in the market. 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Detailed TOC of Global Insurance Agency Portal Industry Research Report 2024, Competitive Landscape, Market Size, Regional Status and Outlook. 1.1 Product Overview and Scope of Insurance Agency Portal Segment 1.2 Insurance Agency Portal Segment by Type 1.2.1 Global Insurance Agency Portal Growth Rate Analysis by 2022 VS 2028 1.3 Insurance Agency Portal Segment by Application 1.3.1 Global Insur Non-Agency Comparable Applications: 2022 VS 2028 1.4 Global Market Growth Forecast 1.4.1 Global Insurance Agency Portal Revenue Estimates and Forecasts (2017-2028) 1.4.2 Global Insurance Agency Portal Production Capacity Estimates and Forecasts (2017-1.483 Global Insurance Agency Portal Market Size Estimates and Forecasts: 2017 VS 2021 VS 2028 1.5.2 North America Insurance Agency Forecast -2020 Portal Estimates) 1.5.3 European Insurance Agency Estimates and Forecasts (2017-2028) 1.5.4 China Insurance Agencies Estimates and Forecasts (2017-2028) 1.5.5 Insurance Agencies Estimates and Forecasts Japan (2017-2020) 2 Market Competition by Manufacturers 2.1 Global Insurance Agency Portal Production Capacity Market Share by Manufacturers (2017-2022) 2.2 Global Insurance Agency Portal Revenue Market Share by Manufacturers (2017-2022) 2.3 Insurance Agency Portal Companies, Tires 1 2 and Tier 3) 2.4 Global Insurance Agency Portal Average Price by Manufacturers (2017-2022) 2.5 Manufacturers Insurance Agency Portal Production Locations, Service Areas, Product Types 2.6 Insurance Agency Portal Market Competitive Situation and Trends 2.6.1 Insurance Agency Portal Brands 2.6.2 Global 5 and 10 Largest Insurance Portal Players Market Revenue 2.6.3 Meeting and Value, Share by Expansion. 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Insurance Agency Portal Production Capacity, Revenue, Price and Gross Margin (2017-2022) 7.1.4 Business and Company Markets Services 7.1.5 Company Growth/Development 8.8.1 Insurance Agency Portal Key Raw8. .1 Major Materials 8.1.2 Major Suppliers of Materials 8.2 Production Cost Structure Share Free Opex & Business Transformation Resources 9 Advertising Agencies, Advertisers and Clients 9.1 List of Advertisers 9.2 List of Insurance Agency Portal Client Agencies 9.3 10 Market Dynamics 10.1 Insurance Agency Portal Industry Trends 10.2 Insurance Agency Portal Market Drivers 10.3 Insurance Agency Portal Market Challenges 10.4 Insurance Agency Portal Market Restraints. 11 Production and Supply Development 11.1 Global Forecast Production of Insurance Agency Portal by Regions (2024-2028) 11.2 North America Insurance Agency Portal Production, Revenue Forecast (2024-2028) 11.3 Europe Insurance Agency Portal Production, Revenue Forecast Free open source business intelligence tools, open source intelligence gathering tools, open source threat intelligence tools, open source intelligence tools, open source business intelligence reporting tools, open source artificial intelligence tools, open source business intelligence tools comparison, tools in business intelligence, open source business intelligence dashboard, best open source intelligence tools, business intelligence open source tools, open source business intelligence

https://houseofpapier.com/2024/01/04/open-source-business-intelligence-tools-in-reinsurance-strategies/

Michael began his insurance career in Long Island, NY in 1985. While in the midst of his interview for a sales position with Mutual of Omaha, his family experienced a devastating house fire. Michael felt compelled to accept an agent position in order to help others who might also experience an unfortunate life-altering event. Less than two years later, he was the youngest agent ever promoted to district manager in the company. Over the next 18 years, Michael dedicated his time to recruiting, training and educating insurance agents in the Long Island office and later in the Springfield, Missouri, office. Michael founded DFG Insurance in 2005 prompted by his a passion for helping people.. Since then, he has earned recognition in the community as a trusted leader in the industry. Some of Michael’s most notable awards include Springfield Business Journal’s Trusted Advisor Award, multiple National Association of Health Underwriter’s Leading Producer Round Table Awards, Springfield’s Best Life & Health Agent, and Mutual of Omaha’s top agent in Springfield. Michael believes in the power of education and servicing his clients honestly and ethically. Deena joined DFG Insurance in 2009 as an administrative assistant while completing her Bachelor of Arts degree at Missouri State University. As she continued to build relationships with clients, Deena pursued her Life and Health license so she could offer assistance to clients in all aspects of their insurance needs. She is now a full-time agent and enjoys meeting with clients to adjust coverages as they experience a variety of life events. Deena is pleased and proud to be a resource to the general public as the healthcare industry continues to change. Deena’s keys to success are her continued desire to learn and to treat people with patience, kindness, and integrity.

https://mydfginsurance.com/our-team/

Technosylva, the leading provider of wildfire mitigation technology solutions, announced the acquisition of Heartland Software Solutions, a Canadian software company specializing in wildfire science and technology. The acquisition strengthens Technosylva's wildfire science capabilities and leadership position in the development of innovative solutions to help communities predict, mitigate, and prevent wildfire risk. "Technosylva's reputation as a leading provider of wildfire risk mitigation solutions is unmatched, and we are confident that our combined expertise will allow us to develop even more innovative solutions to help protect communities from the devastating impacts of wildfires," said Dr. Robert Bryce, President of Heartland Software Solutions. "Robert Bryce and his team have developed the most advanced fire risk tools in Canada and their expertise will be instrumental in our mission to make a significant impact in the reduction of wildfire risk," said Bryan Spear, CEO of Technosylva. The acquisition of Heartland Software, which comes on the heels of Technosylva’s acquisition last month of Atmospheric Data Solutions, is part of Technosylva's ongoing strategy to expand its wildfire science capabilities and provide customers with the best possible solutions to enhance daily decision-making for fire agencies and utilities globally. With the addition of Heartland Software, Technosylva adds to its team of experts in wildfire science, modeling, and forecasting and enables Technosylva to further enhance its suite of wildfire risk mitigation solutions.

https://www.tdworld.com/vegetation-management/article/21280359/technosylva-acquires-heartland-software

Toronto, ON (Feb. 24, 2016) – The Centre for Study of Insurance Operations (CSIO) is pleased to announce its new Technology Scorecard tool, providing brokerages with a snapshot view of their technology adoption in comparison to the provincial average, encouraging further tech adoption for a stronger competitive position. The scorecard builds on CSIO research used to develop its TLS eMail Security and Mobile Website adoption maps, adding data on Industry Forms, CSIOnet, eDocs, eSignatures, search engine optimization (SEO) and social media. The research results have also been summarized in map form (see below), displaying the technology adoption average for each province. The national average across all brokerages is 56%. “The Technology Scorecard supports brokerages in creating benchmarks for technology adoption,” notes Catherine Smola, President and CEO of CSIO. “We hope that providing individual brokerage and provincial scores side by side will motivate members to strengthen their competitive position by adopting additional technology solutions.” Click here to access the tool. CSIO will update the scorecard regularly to reflect current adoption rates. Be sure to check the tool on a regular basis to see if your province has raised its brokerage average. About Centre for Study of Insurance Operations (CSIO) CSIO is Canada’s industry technology standardization association of property and casualty insurers, software providers and over 35,000 brokers. CSIO is committed to improving the consumer’s ease of doing business within the broker channel by overseeing the development, implementation and maintenance of technology standards and solutions such as eDocs, Telematics, eDelivery and eSignatures. In addition, CSIO operates CSIOnet, a secure, industry-owned platform for the efficient exchange of policy information for the broker channel. CSIO maintains offices in Toronto and Montreal. For more information, visit csio.com. SOURCE: Centre for Study of Insurance Operations (CSIO)

https://www.insurance-canada.ca/2016/02/24/csio-launches-scorecard-tool-brokerage-technology-adoption/

Descartes Underwriting's Vetter: Parametric Insurance Often Supplements Traditional Cover Parametric insurance often supplements traditional insurance, but can also replace it, said Daniel Vetter, head of Americas, Descartes Underwriting. Descartes is a fairly new company. Can you tell us how long you've been in business and when you came to the US? The current underwriting has been around for about three and a half years. We're based in Paris, France, and have come to the US just about a year and a half ago. We're a managing general underwriter, exclusively focused on parametric risk space. And within that we focus on climate and weather perils. What kind of risks do you underwrite? We are actually not focused on occupancy as traditional underwriters would do, we are focusing on climate perils. So think of us as an organization that help corporate clients when it comes to earthquake insurance, hurricane, all the way over to tornado, hail and wildfire and anything in between, like drought, for example, excess precipitation. So anything that mother nature throws at us from a weather perspective, we potentially or we will likely have a solution for that. How is parametric insurance different from traditional insurance? That's probably the key question that we're trying to address here today and at the conference. So parametric risk insurance, or as it is sometimes also referred to as index-based insurance is different from the standpoint that we underwrite the probability of a climate or weather event to happen or not. So in that sense, we have less of a concern about the actual physical consequence that an event has on a structure or an asset. So this is our underwriting focus. Whereas the traditional property underwriter focuses on the risk characteristics of a location and assets, we look at the probability of a climate event to happen or not. And if an event happens, how do you respond? The cover is based on an index that we're creating around a natural peril. So let's take earthquake, for example, the index will be based on shake intensity. For example, if the earth shakes at a magnitude of 6.0 or higher the cover starts to trigger. If it's exceed 6.5, for example, more of the cover gets triggered all the way up to maybe for example, a 7.0 would trigger 100% of the cover. We are not focused on what the earthquake the impact it has, on the physical structure, we focus solely on the shake intensity of the earthquake. Does there have to be physical damage for the policy to be triggered? There has to be economic damage to for the policy to be triggered. So our policies or a parametric risk policy, in general, contains a proof of loss stipulation, which we require from the insured, where it basically will require an insurer to say I have suffered economic loss from event XYZ. The upside with a parametric risk product is we do not have a claim settlement process in the traditional sense. So the event happens the cover gets triggered, the payment follows typically within seven to 14 days post event. Whereas of course, on the traditional in the traditional insurance, you have at times lengthy claim settlement process that will follow can take weeks can take months, sometimes it takes years. And so what our product does is fundamentally different when it comes to the claims proceeds, and we oftentimes advertise our product as we're selling liquidity Do companies traditionally buy the parametric cover in addition to a traditional policy? Typically they do, yes, certainly a parametric risk product can replace traditional insurance. But oftentimes what brokers and clients are looking for is to complement a traditional insurance product, which maybe a deductible has been increased, a self-insured retention is being driven up, maybe capacity has been taken out of the market by traditional underwriters. So often more than not, it's a compliment, but it can be a supplement or a replacement as well. Whose paper do you write on? We are writing on Generali’s excess and surplus lines paper out of London. So from a security standpoint, certainly or from a rating perspective, no questions there. And we've been very fortunate with Generali as our risk partner in as much as they rely exclusively on our underwriting capabilities when it comes to parametric risk policies.

https://www.insiderengage.com/article/2a5my9o10a4d4ddnarz0g/strategy/descartes-underwritings-vetter-parametric-insurance-often-supplements-traditional-cover

Always do the right thing. Focus on customer not self. Have passion for what you do every day. Focus on all customers and business partners. Seek to exceed expectations and attain win-win outcomes. Year in year out objective of an underwriting profit with controlled growth. Maintain adherence to internal and external controls and compliance regulations. Focus on basic fundamentals and do not be afraid to try something new. Embrace change and always be learning. Communicate in nonthreatening ways to build honest feedback and promote an environment of trust. Augusta Mutual was formed in 1870 as East Augusta Mutual Fire Insurance Company. The company has evolved over the years through mergers of smaller state insurance companies into the strong and responsible company of today. Many types of insurance coverage are provided to the citizens of Virginia. We are committed to providing and building upon service standards which enhance the reputation of the company and make our insureds, business partners and employees proud of our day to day effort on their behalf. Our commitment is the production of an underwriting profit each and every year which will continue and build upon the current financial security of the company and protect our policy holders. We are committed to, year in and year out, controlled growth for the benefit of our policy holders and will at all times maintain a high level of integrity in all business dealings which is unfailing and without question. Build and enhance policy holder surplus through qualified, knowledgeable employees, innovative products and policy offerings, sound financial management and timely and equitable claim settlements based on policy wording.

https://www.augustamutual.com/about-us/

Canadian mutual insurer to leverage Guidewire ClaimCenter in the cloud to drive claims management innovation Cambridge, ON (Sept. 30, 2019) – Gore Mutual Insurance Company, a Canadian mutual insurer, and Guidewire Software, Inc., provider of the industry platform Property and Casualty (P&C) insurers rely upon, have announced that Gore Mutual has selected Guidewire ClaimCenter™, the Guidewire InsurancePlatform™ claims management application, as part of its claims technology transformation. ClaimCenter will be implemented and delivered as a Software-as-a-Service (SaaS) solution via Guidewire Cloud™, which is powered by Amazon Web Services (AWS). “We had optimized our previous claims management system to its highest potential, and there wasn’t much more we could do to continue driving positive change or experience with that platform,” said Sean Christie, chief information officer and vice president, Information Services, Gore Mutual. “We see ClaimCenter and Guidewire Cloud as core to our claims technology transformation, and we look forward to taking advantage of the scalability, agility, reliability, and security a cloud platform offers for the future.” Neil Weir, vice president, Claims, Gore Mutual, said, “Last year, we launched our ClaimCare approach, which is our new way of delivering a customer-centric claims experience to our brokers and customers. With ClaimCare, we are transitioning from an insurance company that has always delivered great customer service to one where the customer is at the center of everything we do as an organization. ClaimCenter and Guidewire Cloud will be critical components of our ClaimCare journey. They will help us reduce cycle times, bring more data and analytics into our claims operations, and provide our staff with greater technological capabilities to do their jobs and improve their overall experience.” Christie added, “Another attractive feature of Guidewire’s cloud vision is the Guidewire PartnerConnect™ ecosystem that surrounds it. We see Guidewire DevConnect™ as something that’s going to enable us to accelerate connectivity with external platforms and solutions much more quickly than we are able to do today, and thereby really accelerate our overall capabilities going forward.” “We welcome Gore Mutual to the Guidewire customer family and deeply appreciate the trust it has placed in Guidewire to provide the platform to power its claims transformation,” said Steve Sherry, chief sales officer, Guidewire Software. “We admire the company’s mission of protecting people, businesses, and communities, and look forward to doing our part to ensure Gore Mutual achieves its business imperatives to continue helping its stakeholders in their time of need.” Guidewire Cloud is the optimal way to experience the power of InsurancePlatform, combining Guidewire software, services, and ecosystem in a scalable SaaS model. It scales according to use, provides cost predictability, and transfers IT risk to Guidewire. Expert Guidewire teams and our SaaS-certified partners provide implementation services, security, ongoing management, and regular updates. All Guidewire products are available via Guidewire Cloud, which runs on AWS. About Gore Mutual Founded in 1839, Gore Mutual is Canada’s oldest property and casualty insurer, with over $442M in premiums and over $1BN in assets as of December 31, 2018. Based in Cambridge, Ontario and Vancouver, British Columbia, this Canadian-owned and operated mutual company employs over 350 people and is known for its investment in people, technology and innovation. With a long-standing commitment to genuine personal service, and with InsurTech partnerships such as BrokerLift, Gore Mutual is an unwavering supporter of its network of insurance brokers, who offer the highest standards of service, choice and advocacy to Canadian customers. Gore Mutual was voted the #1 insurance company by the Insurance Brokers Association of Ontario (IBAO) in 2014 and certified as a 2018 Best Workplace Canada and a Best Workplace in Financial Services and Insurance. The Gore Mutual Foundation strengthens Canadian communities by supporting local initiatives and has donated more than $10M to more than 650 charities. Learn more at goremutual.ca. About Guidewire Software Guidewire (NYSE: GWRE) delivers the industry platform that Property and Casualty (P&C) insurers rely upon to adapt and succeed in a time of accelerating change. We provide the software, services, and partner ecosystem to enable our customers to run, differentiate, and grow their business. We are privileged to serve more than 350 companies in 40 countries. For more information, please visit www.guidewire.com. For information about Guidewire’s trademarks, please refer to Legal Notices. SOURCE: Gore MutualTags: Amazon Web Services (AWS), Cloud, Gore Mutual, Guidewire, Software as a Service (SaaS), solution, Transformation

https://www.insurance-canada.ca/2019/10/01/gore-mutual-selects-guidewire-cloud-platform/

Kenya Re has reported a profit decline of 24% to Ksh 1.2 billon during the six month period ended in June 2018. Gross written premiums declined by 15.6% while net earned premiums fell by 10.1% to Ksh 6.4 billion. The decline in net earned premiums was caused by overall loss of business across key markets including Ghana, Nigeria, India, Ethiopia and Nepal. In March, the reinsurer was looking to buy stakes in national reinsurance companies so as to strengthen its market share after Uganda, Tanzania and Ethiopia set up their reinsurance companies in return declining the firm’s market share. The re-insurance provider net claims decreased 6.8% to Ksh3.4 billion which was neutralized by a 6.6% increase in operating expenses to 745.1 million from 699 million in 2017. Investment income rose by 14% driven by the general recovery in economic activity together with a 40% to 16.7 million income from government securities from Ksh 11.9 million in 2017. The company’s board members earlier in the year fired CEO Jadiah Mwarania who was later reinstated by the employment and Labour relations court citing wrongful termination. “The loss of business in key markets as a result of domestication is expected to subdue topline growth in the short to medium term. However, the resurgence of local business activity combined with increased government spending may boost the uptake of insurance products which, should eventually trickle down to the reinsurance business through elevated insurance premiums ceded by insurers.” Gift Kori Research Analyst Apex Africa Capital Ltd. Kenya Re provides reinsurance services to more than 265 companies spread out in Africa, Middle East and Asia.

https://kenyanwallstreet.com/kenya-re-reports-24-decline-in-earnings-to-sh-1-2-billion/

Intact Financial Announces Leadership Changes Charles Brindamour, Chief Executive Officer of Intact Financial Corporation (TSX: IFC) today announced changes to the roles and responsibilities of members of the company’s leadership team, effective January 1, 2018. “With consumer expectations changing at an accelerated pace and our recent entry into the US market we are better positioning ourselves to adapt to our new North American scope, accelerate our customer driven transformation, optimize our distribution of services to Canadians across all channels and build on our outstanding talent” – CEO Charles Brindamour . Building on his deep knowledge of all distribution channels and disruptive mindset, Louis Gagnon currently President, Service and Distribution will become President of Canadian Operations, overseeing all channels in addition to Personal and Commercial Lines and our Marketing operations. Leveraging his extensive knowledge of specialty lines and proven track record of execution, as recently announced, Mike Miller continues as President of U.S. Operations and North American Specialty Lines. Building on his considerable knowledge of claims, IT, data and large operations, Mathieu Lamy will become Chief Operating Officer for IFC, with North American accountability for Claims, Technology, Intact Lab and Data Lab, Ventures and People operations. Louis Gagnon, Mike Miller and Mathieu Lamy will report to Charles Brindamour. Jean-Francois Blais currently President of Intact Insurance will be retiring from Intact, following a considerable contribution to the business. He joined the company six years ago through the AXA Canada acquisition, playing a pivotal role in the successful transition of employees and brokers. “I would like to acknowledge and thank Jean-Francois Blais for his contributions over the past six years. He has made a strong impact in the broker network and played a pivotal role in the development of Intact Insurance,” added Charles Brindamour. About Intact Financial Corporation Intact Financial Corporation (TSX: IFC) is the largest provider of property and casualty (P&C) insurance in Canada and a leading provider of specialty insurance in North America, with close to $10 billion in total annual premiums. The Company has over 13,000 full- and part-time employees who serve more than five million personal, business, public sector and institutional clients through offices in Canada and the U.S. In Canada, Intact distributes insurance under the Intact Insurance brand through a wide network of brokers, including its wholly-owned subsidiary BrokerLink, and directly to consumers through belairdirect. In the U.S., OneBeacon Insurance Group, a wholly-owned subsidiary, provides specialty insurance products through independent agencies, brokers, wholesalers and managing general agencies.

https://www.coverager.com/intact-financial-corporation-announces-leadership-changes/

WELCOME TO The POLICY REPORT Feature market insights and perspectives from top C-Level executives, elite technology influencers and thought leaders from your company here. This signature initiative has garnered immense support... BOXX Insurance | October 19, 2021 BOXX Insurance, the Toronto-based fast-growing cyber insurtech, is pleased to announce a new partnership with security consulting firm Asceris. The partnership was confirmed at the recent NetDilligence Cyber Risk Summit in Santa Monica, and follows BOXX's announcements that it closed its Series A financing round and is expanding to the US. Under BOXX's Hackbusters banner, the Asceris partnership will add to BOXX's incident response capabilities. BOXX'... AXA XL1 INSURANCE | January 11, 2022 AXA XL has appointed Thisiani Matsumura-Martins as Global Chief Underwriting Officer, Aerospace. Effective April 1st and based in Sao Paulo, she will report to Nancy Bewlay, Global Chief Underwriting Officer and work closely with the Regional Business Units to develop and assess underwriting strategic direction and profitability for Aerospace. "Thisiani brings a wealth of technical and market-facing experience. She is a seasoned regional leader prepared to... NFP, NetDiligence, CyberCube | February 12, 2021 NFP, a main insurance broker and advisor that gives property and casualty (P&C), corporate benefits, retirement, and individual solutions, is joining forces with NetDiligence and CyberCube to offer new analytical tools and resources to help clients as they face an assortment of cybersecurity challenges. NetDiligence gives cyber risk management software zeroed in on cyber risk status and responsive administrations. The platform offers tools for clients to evaluate cyber risk an... Core Insurance, Insurance Technology Globenewswire | May 22, 2023 Applied Systems® today announced that VP Custom Insurance Solutions has selected Applied Digital Agency to digitally transform their business and customer service models. The agency will leverage Applied Digital Agency to connect the digital roundtrip of insurance and automate day to day operations to increase staff productivity and enable their ambitious growth agenda beyond California. “As a woman-owned business in a male-dominated field, we’re excited to make ... Keep me plugged in with the best Join thousands of your peers and receive our weekly newsletter with the latest news, industry events, customer insights, and market intelligence. Put your news, events, company, and promotional content in front of thousands of your peers and potential customers. Not a member yet? Not a problem, Sign Up Sign up to contribute and publish your news, events, brand, and content with the community for FREE

https://policy.report/companies/adv-services

AM Best Managing Director, Industry Relations, Research and Public Relations Jeff Mango will participate in a discussion on macro trends and strategies for the insurance market at the upcoming Private Risk Management Association (PRMA) Summit, which is scheduled for Nov. 5-7, 2023, in Chicago, IL. Mango will participate in a session, titled, “Macro Trends and the Insurance Market: Strategies for Adaption,” which will address macro issues impacting the insurance market and explore how they contribute to a challenging environment for carriers, brokers, and consumers. The second part of the session will shift the focus to the perspective of insurance carriers and how brokers can play a vital role in identifying and reinforcing risk mitigation strategies with clients to improve insurability. The panel will be moderated by Jason Ott, president, Aon Private Risk Management, and include Chris Mannion, vice president, risk management operations, PURE; Jennifer Naughton, executive vice president, Chubb; Dale Krupowicz, partner and chief operating officer, PRMS. The session is scheduled for the morning of Monday, Nov. 6, at the Loews Chicago O’Hare. For more information, please visit the event website. AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com. Copyright © 2023 by A.M. Best Company, Inc. and/or its affiliates. ALL RIGHTS RESERVED.

https://business.ricentral.com/ricentral/article/bizwire-2023-11-2-am-best-to-join-macro-trends-and-insurance-market-strategies-session-at-private-risk-management-association-summit

New Paradigm’s Groenheide set to launch embedded parametric technical MGU New Paradigm Underwriters and its director of specialty insurance programs Mark Groenheide are in the market securing reinsurance for the launch of a new technical MGU called Conductive Underwriters, which will provide all-risk coverage including embedded parametric insurance, Program Manager can reveal. According to sources, the former HDI Global and GuideOne executive is taking elements of products he created at his former companies that blended traditional insurance cover with embedded parametric protection. It is expected to focus on niche classes of business including renewables, industrial risks and other systemically important risk types. Conductive Underwriters – which was incorporated last September in Florida – will sit as a subsidiary within the New Paradigm family of companies with Groenheide as lead underwriter. The executive is understood to be looking to bring on former colleagues from GuideOne, where in 2021 he built a new energy division that also offered integrated parametric solutions as part of its product suite. Among the first hires is Francesca Finucane, most recently a specialty underwriter at GuideOne. Conductive Underwriters is also expected to unveil a number of other MGUs and facilities that have a focus on providing traditional coverage that includes embedded parametrics. They include Blok Underwriters, an MGU set up this January focused on insuring companies in the crypto-mining industry – including property coverage for facilities – as well as other areas of the blockchain arena. A third MGU called Eastern Shore Underwriters will focus on insuring better quality single-site locations in the coastal property insurance space, also with embedded parametric coverage as part of a traditional policy. Distribution for the initial energy MGU will be “highly technical retailers and some wholesalers”, said a source familiar with the initiative. It is thought the MGU has been talking with multiple global insurers to provide paper for the launch while it works with its reinsurance broker Howden Re to complete its reinsurance panel. Although he wouldn’t comment on details of the new MGU when approached by this publication, Groenheide confirmed Conductive Underwriters will focus on technical risks. “New Paradigm has been at the forefront of delivering parametric solutions to clients for almost a decade and continues to seek to provide transparent solutions and innovation to the insurance market to better assist brokers in successfully transferring risks for their clients. “We believe the parametric insurance revolution is still in the early stages of development and these facilities will continue our tradition of innovation within the space,” he said. A presentation seen by this publication said Conductive will not be a “traditional MGU”. It said the underwriting approach has been designed to deliver expertise for technical classes “in a diversified manner with small bites at big apples”. The MGU will combine technical knowledge in form and rate with “rapid and transparent underwriting” and a focus on “underwriting returns and maximised profits” with “built-in trusted distribution partners and long-standing relationships in under-served classes”. New Paradigm uses Weatherflow’s network of close to 100 hurricane anemometers up the east coast of the US to provide real-time wind speed data during named storms. Parametric triggers are based on predetermined wind speeds with coverage triggered when those wind speeds are met or exceeded at pre-selected anemometers. The use of parametric triggers enables “transparent, bespoke, rapidly settling” alternatives to industry loss warranty products, according to New Paradigm’s website. By embedding the products in traditional insurance coverage, insureds can benefit from expanded cover and payouts if the parametric element is triggered even if traditional cover isn’t. Resurrection of embedded parametrics The move to launch Conductive Underwriters comes after Groenheide teamed up with New Paradigm when he was at GuideOne to offer integrated parametric solutions in traditional insurance policies, in a move also first revealed by this publication. In that instance policies were also written via an MGU in the form of GuideOne subsidiary CGA Insurance Solutions. Under then head of specialty Groenheide, West Des Moines, Iowa-based GuideOne had launched a new energy division at CGA with an initial $15mn line. The plan was also to roll out MGUs in other segments. The energy offering included natural resources, industrial, midstream and downstream risks, with physical damage and business interruption coverage. The customisable integrated parametric solution was thought to be a first for the energy sector. The MGU platform was also designed to enable GuideOne to bring in additional capacity alongside its in-house underwriting capabilities and create fee income for its parent. But last September GuideOne shut down its energy business written through both CGA and the open-market brokerage channel, after building a combined portfolio thought to have reached just under $140mn at its peak. The closure marked another reversal by GuideOne in the specialty space, following the departure of Groenheide and the carrier’s former CEO Jessica Snyder earlier in 2022. New Paradigm was not immediately available for comment on this article.

https://www.program-manager.com/news/new-paradigms-groenheide-set-to-launch-embedded-parametric-technical-mgu/

Compare4Benefit.com is an independent provider of online insurance products Compare4Benefit.com is an independent provider of online insurance products, helping users to compare car insurance from a range of insurers in the Middle East. Our partners include: Dar Al Takaful Dar Al Takaful PJSC was established in 2008 with a paid up capital of AED 100 Million as an Islamic Insurance company based in Dubai providing Sharia compliant solutions for their clients’ insurance needs. Adamjee Insurance Company Limited (AICL) is one of the largest insurance companies in Pakistan incorporated as a Public Limited Company on September 28, 1960 and is listed on Pakistan Stock Exchange Limited. AICL has unique advantage of having regional presence in United Arab Emirates (UAE) and maintains its standing through an unwavering commitment to its corporate philosophy. AICL’s competitive competency is achieved by combinations of voluminous assets, notable paid-up capital, sizable reserves as well as diversified business portfolio. National Takaful Company (Watania) is a young and dynamic organization that came into being in 2011. Watania was issued a license by the UAE Insurance Authority on the 12th of July, 2011 and was listed on the ADX on the 14th of November, 2011. Established in 1998 and listed on the Abu Dhabi Securities Exchange, Union Insurance Company provides a wide range of individual and commercial insurance products to clients in the UAE and Middle East region. This includes both standard and customised policies that help individuals, small, medium and large enterprises as well as government entities obtain reliable, cost-effective insurance cover. Noor Takaful was established in 2009 and since then has been providing a broad range of Islamic insurance to individuals, families, companies and groups across the UAE. Dubai Insurance Company was the first local Insurance Company to be formed in the UAE when it was incorporated in 1970 as a Public Shareholding Company. Thus, they mark 45 years since its formation by Decree of His Highness, Sheikh Rashid Al Makhtoum. Dubai Insurance prides itself in partnering with leading international reinsurers to offer our clients the solutions necessary for all their traditional and non-traditional risk management needs. Al Wathba National Insurance Company Al Wathba National Insurance Company P.S.J.C. (AWNIC) (Arabic: شركة الوثبة الوطنية للتأمين) was incorporated in Abu Dhabi in 1996, it is one of the leading national insurance companies in the UAE, publicly quoted and listed on the Abu Dhabi Securities Exchange ADX with a strong capital base of AED 207 million, and rated “BBB+” by S&P. New India Assurance NEW INDIA ASSURANCE CO. LTD, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India.

https://www.compare4benefit.com/partners

Owners of Coconut Grove Regency Hotel have explained that the inferno that engulfed the facility was sparked by fire from an air-conditioning facility at Amansan Television (ATV) which shares a compound with the hotel. The hotel, owned by businessman and the 2016 flagbearer of the Progressive People’s Party, Dr. Papa Kwesi Nduom was gutted by fire on Saturday evening. “Somewhere between 5.00 and 5.30pm…staff of Amansan Television (ATV) noticed fire burning apparently from the direction of an air conditioning unit in their studio. When alarm, was raised, everyone ran to safety and an urgent call was made to the Ghana Fire Service to come and help put out the fire,” a statement signed by Richmond Keelson from the Corporate Affairs department of Groupe Nduom stated. The statement added that two fire tenders were quickly deployed to the place by the Fire Service while additional three followed suit. The statement noted that the fire spread to other offices on the same block on which ATV was, adding that “the ATV studio and four commercial offices of Groupe Nduom are on the same block.” Guest rooms, restaurant at Coconut grove intact After hours of battling the inferno, the Fire Service personnel were able to put the fire under control. Meanwhile, the statement assured that the restaurant, conference facilities and guest rooms were not affected by the fire. “It is important to note that the Regency Hotel and its restaurant, guest rooms and conference facilities are intact and were not touched by the fire.” 12 tenders deployed The Deputy Public Relations Officer for the Ghana National Fire Service, Prince Billy Anaglatey told the media that no casualties were recorded. He noted that a total of 12 fire tenders were deployed to the place to contain the fire. Mr. Anaglatey also disputed claims that the tenders were without water. Interior Minister arrives at hotel The Minister of Interior, Ambrose Dery who was also at the place told the media that the President has been briefed on the matter. Mr. Dery said he expects a full scale investigation and a report to provide guidance on how to effectively tackle such fires in the future. By: Godwin Akweiteh Allotey/citifmonline.com/Ghana

https://citifmonline.com/2017/04/coconut-grove-fire-was-sparked-by-air-condition-groupe-nduom/

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Loan insurance, Auto insurance Ten of the Biggest Auto Insurance Companies (May 2024) Seventy-five percent of all automobile insurance plans are written by one of the ten largest insurance firms. A whopping 16 percent of the market belongs to State Farm. There is a wide variation in price, service quality, and many other aspects between the largest insurance firms. It’s important to know what makes each of the ten top U.S. vehicle insurance companies different, so that you can pick the best one for your needs. What are the largest car insurance companies? In terms of market share and premiums written, State Farm is the leading vehicle insurance provider in the United States, followed by Geico, Progressive, and Allstate. There are a lot of well-known brands when it comes to car insurance firms in the US, thanks to their national television advertising campaigns. Even yet, the 10 largest insurance firms in the United States (listed below) all have varied insurance premiums, customer claim experiences, and features. We always suggest that customers looking for the best deals compare insurance quotes from multiple providers to get the best deal. 2. The State Farm When it comes to car insurance, State Farm is a terrific option for those seeking a local agent, a more customized experience, and rates that are lower than average. With a market share of 16 percent, State Farm Insurance is America’s largest vehicle insurance firm. For private passenger auto insurance premiums, State Farm is responsible for more than 15% of the money spent. An estimated total of roughly 19,000 agents work for the business. As a mutual insurance firm, State Farm is owned by all of its policyholders, not just the company’s executives. This list’s largest and most generally available vehicle insurer, State Farm, provides the lowest car insurance premiums across the majority of the United States. In addition, the insurance company Geico In terms of car insurance, Geico is one of the more affordable options. A wide range of options and a simple purchasing experience are provided by this product. More than 16 million auto policies have been underwritten by Geico, famed for its animated gecko commercials, which insure more than 24 million vehicles. The company has nine regional offices, three service centers, and three claims centers that employ more than 40,000 individuals. When Geico first started off, the majority of its customers were government workers and military personnel. The insurance company’s customer base has extended to include private sector workers today. With the largest vehicle insurance companies, we found that Geico is the best option for college students. If you have been involved in an accident before, Progressive can give you a discount on your insurance premiums. Claims satisfaction and coverage options, on the other hand, are on par with industry standards. As the country’s third-largest insurance provider, Progressive was founded in 1937. Purchasing auto insurance from this provider is possible in three ways: in person, online, or by phone. Customers can also sign up for insurance through independent agents. In total, the corporation employs over 35,000 individuals and maintains a network of over 400 locations. Investors can purchase shares of Progressive. Allstate is the fourth company mentioned. Allstate’s claims satisfaction ratings are often higher than the national average, but the company’s premiums are also higher. Discounts are available from the insurance company to make plans more reasonable for consumers. Allstate Insurance Company, founded in 1931, is the second-largest publicly listed property and casualty insurance company in the United States. Allstate, like State Farm, offers a network of local representatives ready to assist you. More than 46,000 individuals are currently employed by the organization. Esurance, a subsidiary of Allstate, operates in the same market. When it comes to insurance policies, there are two types: those who want to shop about for the best deal and those who prefer personalized attention. 5. United States Air Force One of the greatest car insurance companies in the country is USAA. As a USAA customer, you’ll enjoy low rates, excellent customer service, and fast claims resolution. USAA’s limited membership is the only disadvantage. In 1922, a group of 25 Army officers decided to insure each other’s automobiles and created USAA. This includes current and past military personnel, their families and cadets or midshipmen. The company serves millions of members linked with the United States military today. San Antonio serves as the corporate headquarters for USAA. Three-quarters of a mile is the distance covered by the corporate campus. San Antonio’s largest private firm, USAA, is headquartered here. It’s no surprise that USAA is a prominent choice for veterans and active military personnel looking for affordable vehicle insurance. Farmer’s was once a motor insurance company for farmers. As a result of its growth, it is now the nation’s seventh-largest insurance provider. Many insurance companies don’t have as many options as Farmers. Car, pet, and financial packages are just some of the options available through this company. More than 19 million policies are insured by Farmers across the United States. Seventh, Liberty Mutual Insurance. Customers are less satisfied with Liberty Mutual’s claims handling than the industry average, and this is reflected in the company’s rates, which vary significantly by region. Liberty Mutual has been established for over a century and is one of the top insurance providers in the United States. With activities in 17 different countries, it has a significant international footprint. There are property and casualty and health and life insurance products offered by the business. You can acquire Liberty Mutual car insurance through its call center, online, a local Liberty Mutual agent or broker, or representatives from Liberty Mutual’s regional subsidiaries. Liberty Mutual’s coverage has the benefit of a year-long rate guarantee. No State Is Exempt Nationwide’s customer ratings tend to be poor, and the company’s affordability is below average. Standard coverages and discounts are available from Nationwide, a prominent national insurer. Financial services, business lines, and personal lines are all available from Nationwide in all 50 states. More than $430 million in donations to charitable organizations have been made by the corporation from the year 2000. On Your Side” is the slogan of Nationwide Insurance, and it determines how claims are handled and how plans and rates are calculated. An annual check-up is also recommended to ensure that policyholders are aware of their benefits and coverage as well as any new discounts or modifications that may help keep premiums low. The “On Your Side” review is the name given to this consultation by Nationwide. For clients who want to save money by combining their home and car insurance policies, Nationwide is the ideal option. The American Family If you’re shopping around for car insurance, consider American Family. The organization has reasonable rates that can be even better if policyholders take advantage of the many discounts it offers. In the beginning, American Family Insurance was a farm insurance company. At this time, they began to focus on non-farmers, as well as farmers. Today, the corporation is one of the largest insurance companies in the United States and the largest insurer in Wisconsin. American Family is known for its generous discounts, which make its already reasonable prices even more affordable for clients. American Family, on the other hand, currently only underwrites plans in 17 states. A total of ten people Travelers is a wonderful option for car insurance coverage because of its moderate complaints and wide range of discounts. In business for more than a century, Travelers is a venerable institution. Prior to the introduction of the Ford Model T, Travelers provided their first vehicle insurance coverage. More than 30,000 people work for the organization, and there are 13,500 independent agents and brokers all over the world, including the U.S., Canada, and Brazil, among others. IntelliDrive, a rate pricing program offered by Travelers, assesses your safe driving habits using a smartphone app to calculate your prices. Annual insurance costs can be reduced by up to 20% by signing up for IntelliDrive and demonstrating safe driving practices.

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Generali Bulgaria is one of the biggest foreign insurers operating in the market. € 93.5 mln With more than 421 employees in Bulgaria (including Generali Insurance AD, Generali Zakrila Medical and Dental Centre and GP Reinsurance) and the 6.8% P&C market share Generali Bulgaria is one of the major international insurers in Bulgaria. Its operations include Generali Insurance AD (P&C insurance) and Generali Zakrila Medical and Dental Centre – an outpatient medical facility. The company has 135 offices and client desks throughout the country. For better service of the liquidation process and convenience for the clients, the company has 16 specialized claims centers in the bigger cities of the country. The insurance products of Generali Bulgaria are offered by 565 agents, four intermediaries offering insurance products as an additional activity and 278 brokers. In 2021, Generali Bulgaria is taking 8th position on the insurance market with gross written premium €93.5 million. GP Reinsurance EAD is a captive reinsurer based in Sofia, fully owned by Generali CEE Holding B.V. It provides P&C reinsurance solutions within the Group. The activity of GP Reinsurance EAD in 2021 continues to be managed in compliance with the strategic plan for development and goals, for which it was granted a license by the Financial Supervision Commission for performing reinsurance activities. The Company provides reinsurance services to companies from all countries of Generali CEE Holding. GP Reinsurance recorded gross written premium in P&C and life combined of €1,011 million and profit after tax amounted to €190 million in 2021.

https://www.generalicee.com/who-we-are/regional-positioning/bulgaria

Top 10 Insurance Forums in 2024 Here are 10 Best Insurance Forums you should follow in 2024 San Francisco, California, US This is a community of insurance professionals and geeks who love the field of insurance. Also, Share problems, ask questions, and get them answered b...y the experts.more 1.7M 1.1M 24 posts / day Jan 2008 View Recent Threads This largest Insurance Forum on the net is dedicated to discussing and giving advice on all insurance products, for agents and consumers. 6K 12.2K 10 posts / day View Recent Threads Indian Insurance Online is an India Insurance Industry & Indian Insurance Sector portal website with Indian Insurance Forum to discuss & review Indian... Insurance Policies. Also, talk about Travel Insurance, Health Insurance, Student Insurance, Medical Insurance, Motor Insurance, Accident Insurance, and more.more 1.2K 4 posts / week View Recent Threads Insurance forums, advice on all insurance products, for agents and broker. Community to obtain information about insurance coverage, plan, agent, quot...es, and covers topics that matter most to you.more 1 post / month View Recent Threads Ask questions and discuss Insurance in the Immigration Forums for visas, green cards, visitors insurance, OCI, and more. Talk about International Stud...ents Insurance, Schengen Visa Insurance, Insurance for New Immigrants to the USA, and medical insurance for visitors in the USA. Share your queries about the application process, get to know about the charges, and more.more 2.9K 541 2 posts / month View Recent Threads - Beshak Forum is a place for curated, unbiased answers to your insurance questions by the experts.

https://forums.feedspot.com/insurance_forums/?_src=forums_directory

RTS holds a cocktail party to thank the Mexican insurance and reinsurance market for the good relations over these latest 8 years 21 July 2016 - RTS brought professionals from the Mexican Insurance sector together to hold a friendly cocktail party. - The company’s objective is to double the number of professionals and its turnover in Mexico over the coming two/three years. RTS, the loss adjustment and valuation firm that has been operating in Portugal and Latin America for more than 15 years, with more than 27 years at the service of the insurance market, held a cocktail party to celebrate and thank the Mexican insurance sector for the professionalism and naturalness it has always shown RTS, as well as to show its respect for and recognise the work over the latest 8 years, during which the company has been operating in the country with its own office. The celebration, which took place in Polanco, Mexico City, brought together the most prominent professionals from the Insurance and Reinsurance market of México, from both insurance and reinsurance firms and insurance and reinsurance brokers. “Since we arrived in México, about eight years ago, we have worked hard and put all our effort into offering a service based on excellence with guaranteed positive results, as set out in our internal quality policies. With this cocktail party, we wanted to establish a meeting point for the insurance and reinsurance market in Mexico, and to thank everyone for their support and attention, while also introducing the company Investigación de Siniestros –IST– which is beginning operations in the country”, as stated by RTS’ CEOs.

https://www.rtsgrupo.com/en/sin-categoria-en/2016-07-21-rts-holds-a-cocktail-party-to-thank-the-mexican-insurance-and-reinsurance-market-for-the-good-relations-over-these-latest-8-years/

National Fire Experts is pioneering new ways to serve the evolving needs of customers and the insurance solutions industry CHARLOTTE, N.C., Jan. 9, 2024 /PRNewswire/ — Alpine Intel, a leading insurance solutions provider, today announced that one of its operating brands, Donan, has expanded its fire investigation offerings to form National Fire Experts. The fire investigation service, known for its hundreds of years of combined experience and high-quality product, has improved its offerings, streamlined its operations and sharpened its focus to do what it does best – deliver the origin and cause of fires. This new brand serves to distinguish the organization as it’s evolved and to highlight the changes that will set the standard for the industry as a whole. This includes developing the next phase in fire reports, performing thorough fire investigations and providing its certified fire investigators with extensive training in customer service, report writing and litigation support. “With fire investigations being a crucial factor of the claims process for carriers, we decided to combine the expertise, industry standards and investigative testing methods from Donan Fire Investigation with improved cycle times and enhanced reports to form National Fire Experts,” said Damon Stafford, CEO, Alpine Intel. “Our mission is to continually innovate new ways to serve our customers by addressing their needs as well as the evolving industry challenges. That’s exactly what we did here, and we’re thrilled to bring the changes to our customers.” Three key product enhancements include: 1. Actions Report: A new, actionable section for the origin and cause reports delivered by the fire investigations team. The report identifies: - The most plausible cause of the fire - Other plausible scenarios that should be considered, if applicable - Actions items the adjuster can take to narrow down the cause further, if applicable - Possible responsible parties - The status of relevant evidence 2. Summary page at the beginning of structural fire reports: The easy-to-read summary will immediately call attention to the most important details insurance carriers need to make accurate settlement decisions. 3. Reduced cycle times: Technology and operations improvements have cut our average cycle times down to seven business days for structural fires and 10 business days for vehicle/equipment fires from the time of project acknowledgment. National Fire Experts’ nationwide footprint ensures coverage and capabilities to serve the country’s largest carriers as well as smaller, regional clients. Each investigation is performed to the highest standards, and the best-in-class reports produced go through rigorous technical review for quality control and consistency, ensuring unbiased, conclusive findings. The reports deliver the most plausible origin and cause of residential, commercial, industrial, vehicle and specialty equipment fires. For more information, visit https://nationalfireexperts.com/. About Alpine Intel: Alpine Intel is dedicated to innovation across a broad range of property insurance intelligence – helping our customers reach peak performance throughout the policy life cycle. Through our operating brands, HVACi, StrikeCheck, National Fire Experts, Donan Engineering and Component Testing Laboratory, we are respected as the industry leader for our scale and track record of conducting expert, specialized, and accurate investigations nationwide. Our objective results provide significant value for insurance companies, investors, law firms, and manufacturers, all of whom serve residential and commercial customers. Headquartered in Charlotte, North Carolina, our team of experienced professionals provides high-quality solutions across all 50 states. https://alpineintel.com/ Katie Roudabush, EVP, Marketing SOURCE Alpine Intel

https://corporatewire.com/press-release/alpine-intel-announces-new-fire-investigation-brand-national-fire-experts-highlighting-key-innovations-302029502/

Insure Your Future We provide tailored insurance solutions to support you and your family. Insurance Policies For Your Goals Strategies that go wherever life takes you We work with you to make sure your policies work together. We work with you to create customized strategies that address your personal needs. Morley Parren Bright Insurance Agency provides car, home, business and life insurance in Grove City and throughout Ohio... Creating an effective coverage map is an ongoing process, and our team is with you every step of the way. From life insurance to automobile coverage, we're ready to help. We take pride in creating practiced, disciplined, and comprehensive insurance products. We are dedicated to assisting clients with their most significant insurance needs. We offer multiple insurance products, coupled with unbiased advice and recommendations. Our utmost goal is to provide customized strategies that can grow with clients throughout the many milestones of life. We take pride in knowing we have helped young professionals, growing families, and retirees protect their dreams. Is your family prepared to handle a house fire? Do you know the steps to prevent one? Do you have a go-plan to keep your family safe in the event of a fire emergency in your home? If not, our free ebook can help. Sign up below to receive your copy of “Stop, Drop, and Go: 12 Essential Steps to Keep Your Family Safe From Fire.” We take the time to understand your unique situation before tailoring our recommendations specifically to you. Years of experience have prepared us to guide you through life's transitions.

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Rated captives continue to outperform commercial insurers in both underwriting and operating profitability, according to AM Best’s latest Market Segment Report. The ratings agency data highlighted that the five year-average combined and operating ratios of captive insurance companies (CIC) outperformed those of the commercial casualty composite (CCC) by substantial margins. CIC’s recorded five year combined ratios before dividends of 83.9%, compared with the CCC’s combined ratio of 98%. Prior to 2022, premiums had been relatively flat, with a compound annual growth rate of just under 2% “Lower premium growth has long been a feature of captives, as these companies have more control managing and monitoring their risks and setting actuarial pricing,” the ratings agency said. In 2022, however, the segment saw the largest increase in direct premiums written (DPW) in ten years at approximately 21%. AM Best said the rise in premiums was due to rate increases stemming from inflationary pressures and the continued hardening of the reinsurance market, which forced many captives to take on higher retentions than the year before. This was particularly true for single parent captives (SPCs), which saw a 59% jump in net premium in 2022. “Unlike some of their peers in the commercial market, captives have not been materially impacted by the higher frequency or severity of weather and natural catastrophes in the past five-year period,” the report said. One of the fastest growing insurance products considered by captive is group medical stop loss coverage. AM Best said this is primarily due to rising health insurance costs in the US and organisations wanting to take control in-house via the captive. The report also highlighted that cell facilities continue to grow as a result of being “faster and more cost-efficient” to establish. “Interest in cell facilities continues to grow due to the flexibility the structure provides,” the report said. “In most of these structures, captive sponsors provide platforms accessible to cell owners that seek a variety of coverages while carrying no obligation to absorb losses arising from the cells, as the operating agent of the cell platforms.”

https://captiveintelligence.io/rated-captives-increase-premium-outperform-commercial-market-am-best/

Swiss Re took a step forward this week in its commitment to manage carbon-related sustainability risks and support the transition to a low-carbon economy. As of Monday, the Zurich-based firm no longer provides insurance or reinsurance to businesses with more than 30 percent exposure to thermal coal. The thermal coal policy announced in June 2017 was based on Swiss Re’s pledge to adopt the principles of the Paris climate agreement in 2015, which seeks to keep global warming under 2 degrees Celsius. As part of that commitment, “Swiss Re supports a progressive and structured shift away from fossil fuels,” according to a company statement. The thermal coal policy applies to both new and existing thermal coal mines and power plants, and is implemented across all lines of business and Swiss Re’s global scope of operations. The policy is an integral part of Swiss Re’s Sustainability Risk Framework, which the reinsurer uses for all underwriting and investment activities. “It has been our goal to develop a comprehensive approach to coal underwriting,” said Patrick Raaflaub, Swiss Re’s group chief risk officer. “This has been a complex task and I am very pleased that we are now in a position to start rolling out our thermal coal policy.” The 30 percent threshold on Swiss Re’s insurance practice is in line with the threshold on the firm’s investment practice. As of 2016, Swiss Re stopped investing in companies that generate 30 percent or more of their revenues from thermal coal mining or that use at least 30 percent thermal coal for power generation. The reinsurer also divested from existing holdings. These measures are designed to contribute to a low-carbon environment and to actively mitigate the risk of stranded assets, according to Swiss Re. California Insurance Commissioner Dave Jones focused on the issue of stranded assets in his 2016 Climate Risk Carbon Initiative, which requires insurers with $100 million in annual premiums doing business in California to disclose investments in fossil fuels and asks all insurers operating the state to divest from thermal coal. Earlier this year, Jones became the first U.S. financial regulator to complete a climate-related financial risk stress test for the insurance sector. The analysis underscored that thermal coal presents long-term financial risks for investors, “despite any short-term fluctuations in market price and policy signals.” U.S. coal-fired power plants are already retiring at a rapid pace. According to Jones’ office, financial analysts expect more coal-fired capacity retirement in 2018 than under the first three years of the previous U.S. administration. The risk to insurance companies is that fossil fuels become stranded assets on their books, with little or no value, as governments and markets reduce the demand for carbon-based fuels. Swiss Re isn’t the only insurance firm to restrict its participation in the coal sector in recent months. In May, Germany’s Allianz stopped insuring single coal-fired power plants and coal mines, in response to criticism from environmental groups. Dai-ichi Life Insurance recently became the first Japanese institution to stop financing coal-fired power plants overseas, and Nippon Life Insurance is considering limits on coal plant financing. In addition to shifting away from coal, Swiss Re underscored its support this week for sustainable energy projects, including insurance coverages and investments in renewable energy sources. Swiss Re helped to develop an international guideline on risk management and sustainability of solar panel warranty insurance, known as the Solar Panel Code of Practice. It has also invested in a new product with KWh Analytics, dubbed the Solar Revenue Put, which drives down investment risk by guaranteeing solar project performance, making these projects cheaper to finance.

https://www.greentechmedia.com/articles/read/swiss-re-stops-insuring-businesses-with-30-percent-exposure-to-thermal-coal

Japanese insurers to halt ship insurance for all of Russia Lack of coverage for war damage could have impact on Japan's LNG imports Three Japanese insurance companies will stop insuring ships for damage in all Russian waters due to the war in Ukraine, potentially affecting Japan's energy imports including liquefied natural gas (LNG), the Nikkei newspaper said on Saturday. Tokio Marine & Nichido Fire Insurance Co, Sompo Japan Insurance Inc and Mitsui Sumitomo Insurance Co started notifying shipowners about their decision on Friday, the business daily reported. Calls to the three companies to seek comment went unanswered on Saturday. The insurers' decision was prompted by reinsurance companies refusing to take on risks related to the war that Moscow launched 10 months ago, the newspaper said. The halt, applying even to waters in Russia's Far East, far from the fighting, could make shipping there too risky for some companies, it said. Japan's LNG imports from Russia's Sakhalin-2 gas and oil project could be affected, the Nikkei said. The Sakhalin Island complex, partly owned by Gazprom and Japanese companies, is vital to Japan's energy security as it accounts for 9% of the country's LNG imports. The three Japanese insurers will likely start negotiating with reinsurance companies after the Christmas holidays on possibly restarting coverage, the Nikkei said. Almost all vessels obtain ship insurance, and without additional coverage for Russian waters the area would be too risky for navigation, the Nikkei said. In February, London's marine insurance market added the Ukrainian and Russian waters around the Black Sea and Sea of Azov to its list of areas deemed high risk as tensions persist in the region.

https://www.seawanderer.org/japanese-insurers-to-halt-ship-insurance-for-all-of-russia

The Stanford Center on China’s Economy and Institutions and Asia Society Policy Institute’s Center for China Analysis co-organized a closed-door roundtable on the scope, impact, and implications of China’s industrial policy. The roundtable focused on an intensified round of industrial policies in China that gained momentum around 2014. Beijing announced its “Made in China 2025” plan in 2015, quickly followed by its 2016 “Innovation-driven Development Strategy.” The strategy specifically focused on the emerging technological revolution, targeting sectors such as next generation information technology, advanced manufacturing, biotechnology, and digital media. Since the announcements, industrial policy has increasingly become a central feature of Chinese economic development efforts and ongoing public debates about the future of U.S.-China competition and the global economic and geopolitical order. Around the world, effectiveness of national industrial policies has become a key point of policy and political contention. In addition, carefully judging the impact of Beijing’s industrial policy is also now critical to accurately assessing the long-term performance and sustainability of China’s economic growth model. The full report on the roundtable, conducted under the Chatham House Rule, recounts a candid discussion that coalesced around the examination of five key questions: - How much is China spending on industrial policy? - What are the possible objectives of China’s industrial policy? - What have been the effects of China’s industrial policy? - What are the key, open questions still remaining around China’s industrial policy? - What are the implications for Washington, D.C. and the international community? In partnership with Asia Society Policy Institute's Center for China Analysis

https://sccei.fsi.stanford.edu/news/experts-convene-roundtable-discuss-chinas-industrial-policy

AM Best Rating = A++ Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. We combine the precision of craftsmanship with decades of experience to conceive, craft and deliver the very best insurance coverage and service to individuals and families, and businesses of all sizes. AM Best Rating = A+ We deliver a service experience that minimizes the demands on our members’ time by providing a variety of resources to prevent losses, assist in the claims process and beyond. PURE is a member-owned property and casualty insurer designed exclusively for financially successful families and driven by a purpose of doing what is right for them. We're a leading global insurance organization with operations in approximately 80 countries and jurisdictions. We provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to support our clients in business and in life through our General Insurance, Life & Retirement and Investments business units. At Berkley One, we’re building something that takes the best of tradition and marries it up with the modern, edgy, and unexpected. Our team members came together from some of America’s top insurance companies to construct a new kind of insurance provider, one designed to meet the evolving needs of people with full, busy, adventurous lives. We are in the business of helping when disaster strikes – helping policyholders recover financially; helping families and businesses restore their lives and livelihoods; helping communities regain a sense of stability. We look to pay all that is due under your policy after a covered loss. You'll appreciate the prompt and personal service our local field claims representatives deliver to help you get back on track. Vault is the new standard in personal insurance, committed to delivering an unrivaled customer experience where every detail and interaction is thoughtful and unique. Vault builds strong and true relationships, giving their customers the luxury of feeling safe and protected before a claim even happens. The tenacity of a startup, backed by the financial and operational support of Allied World, and led by industry veterans - Vault is, quite simply, a better way to think about insurance. While these are the carriers we most often partner with for our private clients, we do have additional partners that we work with. Review all Eastern Insurance carrier partners now.

https://www.easterninsurance.com/private-client-featured-carriers

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On Friday night, a strong 6.4 magnitude earthquake struck Nepal, killing at least 132 people. There was a 10 km depth to the epicentre of the earthquake in Nepal. Nepal has experienced three strong earthquakes in a month. More than half a million homes were destroyed by a 7.8-magnitude earthquake that struck Nepal in 2015. There were at least six fatalities from the earthquake on November 9 (Wednesday) in Nepal, and tremors were felt in Delhi as well. Four of the dead were children. Several houses were destroyed in the foothills of the Himalayas. Nepal’s seismological center measured it at magnitude 6.6. Why Nepal is always the earthquake prone lets take a geology look to understand why Nepal is always earthquake prone area. As continents move and collide with one another, large tectonic plates make up the crust of the Earth. In Nepal, two massive tectonic plates – the Indo-Australian plate and the Asian plate – collide, causing the Himalayan mountains and earthquakes. Approximately 5cm of these are pushed up against and underneath each other every year. Although it may not seem like much, when the forces pile up, an earthquake occurs. Nepal’s situation is complicated due to its buildings construction is week, which cannot withstand strong earthquakes. The growing population is simply the final ingredient in the recipe for disaster. According to the United Nations Development Programme (UNDP), Nepal is the 11th most vulnerable country to earthquakes, and Katmandu is one of the most earthquake-prone cities in the world. This is not the first time Nepal has experienced such a devastating earthquake. The 2015 earthquake left almost 8,000 people dead in Nepal. The earthquake spoiled many historic monuments old temples and towns. An estimated billion was lost to Nepal’s economy as a result of the quake. Some deadliest earthquakes in Nepal Earthquake in Nepal-Bihar (January 15, 1934): One of the worst earthquakes in history. A magnitude of 8.0 was recorded 10,700-12,000 people died Nepal-India Border Earthquake (July 29, 1980): Occurred northwest of Khaptad National Park in the evening. A magnitude of 6.0 has been recorded 200 people died and 5,600 were injured A large part of northern Bihar was affected by the Kathmandu earthquake (August 21, 1988). 709 people died and 1,000s were injured

https://newsblare.com/opinion/energy-and-environment/what-causes-so-many-earthquakes-in-nepal/

Margaret J. Grassi The Margaret J. Grassi Insurance Agency has been family owned and operated for three generations. Our continued success comes from the fact that we treat all of our customers like family and give them the services they would expect from a small business, with the expertise and options you would expect from a large agency. Insurance Solutions That Keep Pace With Your Everchanging Life We offer thoughtful and strategic solutions to meet the needs of our clients, their families and businesses. Our team will take the time to get to you know you and your unique needs to ensure that we are giving sound advice every step of the way. Our experience helps to guide our clients and ensure they are receiving the proper coverage at the best possible rate. Our Areas of Expertise Whether it's your first car, next car or you own a fleet of vehicles for your business, you can trust the experts at Grassi Insurance to find the right policy to match your needs. With a multitude of insurance carriers to choose from, we ensure that you are getting the right coverage for the right price. As residents of Southeastern Massachusetts ourselves, we know the marine insurance market better than anyone. You can trust the professionals at Grassi Insurance to inform you of all your coverage options and find a solution that best meets your boat and marine insurance needs. Are you paying too much for your homeowners insurance? Do you have a coastal property that's in a flood zone? You can trust the experts at Grassi Insurance to find you the right policy at the right price for your home. From small businesses to larger manufacturing companies and everything in between, Grassi Insurance has been working with Massachusetts business owners to ensure they have adequate protection for their businesses. With a wide range of life insurance products on the market, how can you be sure which is right for you? Trust the experts at Grassi Insurance to help guide you to make the best decision for you and your family. Protect your family and your assets with an Umbrella Policy. Umbrella policies offer protection above and beyond the limits of your other liability policies. "Grassi Insurance was great. Friendly and helpful when I needed to save some money and do a title transfer." - Elizabeth Tessier "Always A#1 service, When I have to file a claim they fought for me to get to get what was owed to me!!!!!!!" - Eric Griswold "Everyone is so helpful, I've never had any complaint with Margaret Grassi & team." - Elisabeth Castillo Some of Our Carriers Include (508) 295-2007 | 1188 Main St, West Wareham, MA 02576 Proudly Serving Southeastern MA Since 1985

https://grassi-ins.com/

November 28, 2012, Kolkata It is unfortunate that even after the Stephen Court fire accident and the AMRI mishap which claimed 43 and 90 lives respectively, improvement of fire safety scenario in the city did not find a place in the priority ‘TO DO’ list! It seems it will take many more fire accidents and loss of life before the state government authorities take any effective remedial measure on fire safety . Some apparent action that was visible for some time has again become dormant and needs waking up through recurrence of accidents like the one that happened in SSKM last Saturday. Fire accident at the SSKM hospital, last Saturday, is the newest addition to the list of fire accidents that took place in the city since the Stephen court disaster on 23rd march, 2012. A five member committee on fire and safety audit was appointed after the AMRI massacre. The committee conducted inspections in a number of private and government hospitals, served notices to at least four private hospitals for non-compliance to fire safety norms in their premises. To name a few hospitals that had not conformed to the fire safety norms were – B.M. Birla Heart Research Centre, Calcutta Medical Research Institute, Fortis Hospital, Ruby General Hospital, Kothari Medical Research Centre etc. Strangely enough the committee seems to have become dormant and has not been heard about recently. As expected, information on action taken by these hospitals after getting notices from the civic authorities was not available in the public domain. An inspection report was submitted to the chief licensing officer under the Kolkata Municipal Corporation by the Deputy Director, Fire and Emergency services, pointing out some of the buildings and commercial establishments which were found to be endangered and fire prone. The report was submitted on 20th May, 2010 and Karnani Mansion was one among others in the list. During 2011, another inspection was done in Karnani Mansion which was again found to flout all fire safety norms. Ultimately fire broke out at the place on June 16, 2012 and 10 fire tenders had to be involved to bring the fire under control.This points to the other side of the story. In spite of the efforts put in by civic authorities to ensure fire safety, in many cases the same is not complied due to utter negligence on the part of the commercial establishments which prefer to run their business at the cost of public safety. Coming back to the SSKM mishap, it raises serious questions and concerns regarding whether and to what extent appropriate fire safety norms are being followed by authorities at various state run hospitals. Need of the hour is to include/ have mandatory fire safety audit in these institutions. Such audits should be conducted at regular intervals and report for such audits should be made available in the public domain. This will help take stock of the fire safety arrangements and infrastructure available at these institutions and accordingly take appropriate measures to conform to the fire safety norms, ultimately saving precious human lives. It is probably needless to repeat the proverb “A stitch in time saves nine”, because the authorities seem in no mood to listen For further information please contact: Keya Ghosh, Director, +91 9831219339; [email protected] Prithviraj Nath, Consultant, +91 9830481370; [email protected] Arnab Ganguly, Project Officer, +91 9874410391; [email protected] CUTS Calcutta Resource Centre 3, Suren Tegore Road, II floor, Kolkata- 700019 Ph. +91 33-24604985/87

https://cuts-international.org/a-stitch-in-time-saves-nine-west-bengal-thinks-otherwise-when-it-comes-to-fire-safety/

MILESTONE: INCEPTION OF THE IDEA A novel plan to form a Nuclear Industry Mutual is introduced and pursued. An Edison Electric Institute (EEI) committee receives a report on the formation of an industry-owned insurance company for insuring first-party property risks at nuclear sites. Facing challenges with insuring their nuclear sites through the commercial insurance industry, collective large nuclear power companies pursue this opportunity. They are encouraged by the prospect of being able to offer premium savings, and more importantly, the ability to self-determine the direction of the insurance being offered. After attempts to develop a shared approach with the commercial insurance industry falter, the Utility executives agree to form a self-insurance mutual insurer in Bermuda. MILESTONE: THE CREATION OF NUCLEAR MUTUAL LIMITED (NML) 14 companies come together to help better manage the insurance needs for their nuclear sites.The Bermuda Parliament passes enabling legislation, clearing the way for NML to be formed. On June 1, 1972, the NML Board of Directors holds its first official meeting. That summer and fall involve a steady stream of meetings with individual utilities, to secure a sufficient number of participants, and state public service commissions and other legislative bodies to secure approvals and clear the path to start business. NML officially issues its first policies on January 1, 1973, covering 18 sites for its 14 Members. Each policy provides $100 million in limits and each Member accepts a risky retrospective premium, equal to 14 times the annual premium per policy, that NML could call if a full-limit loss occurs. The founding Members of NML were: - Alabama Power Company - Carolina Power & Light Company - Commonwealth Edison Company - Consolidated Edison Company of New York - Consumers Power Company - Duke Power Company - Florida Power & Light Company - Georgia Power Company - Iowa-Illinois Gas & Electric Company - Pacific Gas and Electric Company - Public Service Electric and Gas Company - San Diego Gas & Electric Company - Southern California Edison Company - Wisconsin Electric Power Company MILESTONE: FIRST CLAIM, FIRST DISTRIBUTION NML pays its first claim and declares its first Policyholder Distribution.A landmark moment in the history of any insurance company is its first paid claim. For NEIL, this was the company’s second claim - a March 6, 1973 fire at Duke Power’s Oconee Station that results in NML making a $400,000 payment. 1973 also marks the first year NML pays a Policyholder Distribution: $3,872,730. This number equals 47% of earned premium for the year. Policyholder Distributions continue to be an important aspect of NEIL’s value proposition to its Members, and is a key indicator of the company’s overall success. MILESTONE: THREE MILE ISLAND ACCIDENT The accident at Three Mile Island impacts the course of the U.S. Commercial Nuclear Power industry.On March 28, 1979, Unit 2 at GPU’s Three Mile Island (TMI) Nuclear Station experiences perhaps the most significant (and famous) incident in the history of the U.S. commercial nuclear power industry. The accident forever changes the nuclear industry, the insurance of nuclear plants, and how the country views nuclear energy as a resource. As to NEIL, this unfortunate event is notable for two reasons: First — the commercial insurance market refuses to provide coverage to GPU, the owner of the site, for the undamaged TMI Unit 1, which is approved to restart. In response, GPU seeks coverage from NML. In a show of mutuality toward the greater good for the industry, NML agrees to insure TMI’s Unit 1 and accept GPU as a new Member. Second — the TMI event reveals gaps and shortfalls in insurance coverage for the industry. MILESTONE: NUCLEAR ELECTRIC INSURANCE LIMITED IS FORMED Coverage shortfalls identified after the TMI accident leads to the formation of Nuclear Electric Insurance Limited (NEIL).Coverage shortfalls identified after the TMI accident leads to the formation of Nuclear Electric Insurance Limited (NEIL). In the aftermath of the TMI event and the units being offline, GPU experiences severe financial difficulties related to its need to purchase power to replace that supplied by the TMI units. No insurance product exists to cover this risk, and NML is asked to explore whether an insurance mechanism can be developed to cover it. Following the blueprint from NML’s formation, NEIL was formed in Bermuda as a sister company to NML. NEIL issues its first policies on September 15, 1980. Those policies, now known as our Accidental Outage Policies, covered excess replacement power costs incurred by insurers. NEIL’s original Members include 11 of NML’s original Members, plus the following companies: - Boston Edison - Cleveland Elec. Illuminating Co. - Florida Power Corp. - Iowa Electric Light & Power - Middle South Utilities - Municipal Electric Authority of Georgia - Northeast Utilities - Northern States Power - Philadelphia Electric Company - Portland General Electric - Rochester Gas & Electric - Toledo Edison Company - Virginia Electric and Power Company MILESTONE: OUR NEW HOME IN DELAWARE NML and NEIL relocate operations from Bermuda to Delaware.NML and NEIL make a momentous move to Delaware. The companies choose The First State due to its corporate and insurance sophistication, and geographic convenience. In addition, Delaware’s Captive Insurance Code allows NML and NEIL to be licensed as Industrial Insured Captives without having to re-form as Delaware corporations. Today, NEIL remains a Bermuda Mutual Insurance Company that is licensed by the Delaware Department of Insurance to conduct business within the State. MILESTONE: PIVOTAL NRC PROPERTY RULE CHANGES NML and NEIL implement critical policy form changes to respond to changes to the Nuclear Regulatory Commission’s "Property Insurance Rule."Throughout the 1980s, the U.S. Nuclear Regulatory Commission (NRC) reviewed and modified its requirements pertaining to licensees maintaining specified amounts of property damage insurance on their nuclear sites. In August 1987, the NRC implements a rule requiring a minimum of $1.06 billion in property damage insurance, and that this coverage be prioritized toward costs for stabilization, decontamination and cleanup of a site after a nuclear event. In response, NML and NEIL begin a lengthy process to develop language for the Primary and Excess Property policies that satisfies the NRC requirements, and is acceptable to the Members and the companies who lent money to build the plants. In 1989, after months of discussions, that included input from the NRC, NML and NEIL modify all relevant policy forms to provide a unique "Nuclear Liability Coverage" that directly responds to NRC requirements. This coverage remains a key component of NEIL’s property damage coverage today. MILESTONE: NML MERGES INTO NEIL Changes in the nuclear power industry, and with the Membership of NML and NEIL, prompt the companies to merge.Over the course of the 1990s, NML and NEIL Membership continue to grow to the point where the Member rosters become nearly the same. During this time, deregulation changes heavily impact the industry. As a result, the Members of each company agree to merge NML into NEIL. The key reasons for this decision are: present a single entity to the outside world; create the strongest possible insurance company to serve the industry moving forward; provide more flexibility in the purchase of reinsurance; achieve administrative benefits. On December 31, 1997, 25 years after NML issued its first policies, NML merges into NEIL, NML’s Members become NEIL Members, and NML ceases to exist. MILESTONE: INTRODUCING NEIL OVERSEAS NEIL begins seeking non-U.S. energy companies to become Members of the Mutual and creates NEIL Overseas in Ireland.With consolidation of the U.S. industry, NEIL turns its attention to Europe, and the potential to offer insurance to non-U.S. companies operating commercial nuclear sites. In 1998, NEIL forms Overseas NEIL Limited or ONEIL in Dublin, Ireland (now NEIL Overseas dac). On January 1, 1999, Electrabel, the company that owns the 7 nuclear units (on 2 sites) in Belgium, becomes NEIL’s first International Member and ONEIL’s first Insured. Today, Electrabel, now known as Engie, remains an active Member. Between 2003 and 2008, the Spanish companies that own all the operating nuclear plants in Spain become insureds of NEIL Overseas and Members of NEIL. Today, those Members are EDP España, S.A., Endesa Generación, S.A., Iberdrola Generación Nuclear, S.A., Naturgy Generación,, S.L.U., and Nuclenor, S.A. MILESTONE: NEIL BEGINS INSURING CONVENTIONAL RISKS As needs arise, Members request NEIL to provide support for their non-nuclear insurance programs.In the late 1990s, a number of NEIL Members began to leave the nuclear industry, closing or selling their nuclear plants. Some Members left the Mutual as a result, but others wanted to remain Members of NEIL. To do so though, they needed to maintain an insurance relationship with NEIL to support their Membership. So in 2000, NEIL begins to offer capacity to support our Members’ conventional asset programs. This capacity is available to all Members. NEIL’s support of our Members’ conventional programs continues to grow and fills an important need for the Members that participate. MILESTONE: A NEW BEGINNING — CEDAR HAMILTON LIMITED As the nuclear industry and its insurance needs evolve, NEIL continues to reassess how we can best support our Members. Over the last decade, significant changes occurred in the nuclear industry and the commercial insurance market for the larger energy industry. In 2020, NEIL decides to separate its growing conventional insurance business from the core nuclear business and forms a new subsidiary insurer to manage the conventional insurance programs. Cedar Hamilton Limited is formed and and licensed as a Bermuda Class 3 Insurer in December. Cedar Hamilton is also listed on the National Association of Insurance Commissioners Quarterly List of Alien Insurers, allowing Cedar Hamilton to serve NEIL’s Members as a Surplus and Excess Lines insurer in all 50 U.S. States.

https://myneil.com/about-us/history

PHOENIX, Arizona – CopperPoint Insurance Companies, a western-based super regional commercial insurance company, announced today that Ms. LoriAnn Lowery-Biggers and Mr. Marc Schmittlein have been re-elected to the Board of Directors of CopperPoint Mutual Insurance Holding Company, and that Mr. Michael Mathias and Ms. Marita Zuraitis have been elected to initial terms on the board. The results of this election were announced at the board meeting held on June 8, 2022. Ms. Lowery-Biggers and Mr. Schmittlein will serve three-year terms, while Mr. Mathias and Ms. Zuraitis will serve one-year terms. Survey & Ballot Systems, an independent election administrator, conducted the voting process. "This powerful combination of talent, coupled with our existing board leadership, provides a refreshed perspective and even greater capabilities supporting our dynamically growing company,” said Ken Kirk, Board Chair. About CopperPoint Insurance Companies Founded in 1925, CopperPoint Insurance Companies, www.copperpoint.com, is a leading provider of workers’ compensation and commercial property and casualty insurance solutions. With an expanded line of insurance products and a growing 26-state footprint, CopperPoint is in a strong position to meet the evolving needs of its agents, brokers, and customers. It has $5.1 billion in total assets and an enterprise surplus of approximately $1.6 billion. CopperPoint Mutual Insurance Holding Company is the corporate parent of CopperPoint Insurance Companies, Pacific Compensation Insurance Company and Alaska National Insurance Company. All companies are rated A (Excellent) by AM Best.

https://www.copperpoint.com/news/2022-copperpoint-board-of-directors-election

Nutter wins favorable jury verdict for client in major fire trialPrint PDF After an intense four-week trial in April, a jury in the Federal District Court found in favor of Nutter’s client in claims arising from a luxury hotel fire in Europe in 2004 which caused considerable damage to the hotel and took the lives of three people. The fire occurred while the client was hosting a group of customers on an incentive trip abroad and on the night in question the group was staying at the hotel. The hotel and its foreign insurer brought suit against the company, asserting that a cigarette discarded carelessly by a member of the group had caused the fire, and claiming that the company was liable for the resulting damage under a number of foreign law claims, including negligence and “strict liability” statutes. The strict liability claims were later dismissed, but a negligence claim went to trial. That claim was based on the theory that the client had provided too much alcohol to the guest and negligently increased the risk of her causing harm and contributed to her causing the fire. The jury found that the client was not negligent. In defending the case the Nutter team, led by litigation partners Stephen Brake and Sarah Kelly, also proved that the hotel itself was the cause of the harm due to its own fire protection practices, which encompassed both a lack of physical fire safeguards and a lack of training for the staff. The defense verdict was the culmination of some four years of effort by many Nutter lawyers and staff in an intensely, bitterly fought case.

https://www.nutter.com/trending-newsroom-news-Nutter-wins-favorable-jury-verdict-for-client-in-major-fire-trial-05-01-2011

Things To Know About BrokerTech Ventures – BTV is an insurance based industry founded in 219 and headquartered in the nucleus of Des Moines. The company showcases major specialties in the sectors of Insurtech, Insurance technology, Acceleration, Insurance and Startups. Basically this platform provides a combined service of insurance with technology to come up with the most desirable solutions to it’s clients. The form provides access to veteran industry mentors to help scaling the technology of market. The firm has recently has partnered with a leading InsurTech venture capital investor ManchesterStory Group to launch the BrokerTech Fund, LP, a venture capital fund focused on early-stage InsurTech companies developing broker-centric technology solutions for their clients as their market upliftment. The company said this is the first fund of its type on the interviews related to this news. Limited Partners of the $34m fund include firms like Holmes Murphy, M3 Insurance, Baldwin Risk Partners, UNICO Group, IMA Financial Group, Christensen Group, and The Graham Company in this step towards leading in the market. What Are The Views Of Leading Members Of The Firm Dan Keough, Holmes Murphy chairman and CEO and BTV co-founder and co-CEO, said, “This is an exciting time for Holmes Murphy, BTV, and all of our partners who have worked tirelessly to get the BrokerTech Fund off the ground. We believe we’ve harnessed something special through the power of BTV. Now, using this new Fund as a catalyst for capital infusion, we’re even more bullish around the possibilities to change and innovate our industry even further and to impact the client experience even greater.” Dave Miles, Founding Partner of ManchesterStory, added, “We are thrilled to team up with the owners and partners of BTV to manage the BrokerTech Fund. BrokerTech Ventures brought front and center the voice of the broker community in InsurTech innovation. With today’s launch of the BrokerTech Fund, BTV once again breaks new ground with the first-ever venture fund backed by a consortium of leading insurance brokers dedicated to helping insurance brokers better serve the needs of their insurance customers through technology.”

https://altaworld.tech/btv-holds-34m-for-its-funding-recently-for-working-with-its-new-strategy/

Verisk Names Doug Caccese and Saurabh Khemka Co-Presidents of Underwriting Solutions Neil Spector to serve as strategic advisor, effective January 16 JERSEY CITY, N.J., Jan. 09, 2024 (GLOBE NEWSWIRE) — Verisk (Nasdaq: VRSK), a leading global data analytics and technology provider, today announced that Doug Caccese and Saurabh Khemka will serve as co-presidents of Verisk Underwriting Solutions as Neil Spector moves into a strategic advisor role, effective January 16. “Doug and Saurabh reflect the deeply experienced, talented and diverse leadership team at Verisk,” said Lee Shavel, president and CEO, Verisk. “They have helped shape Verisk’s strategy and operations and developed new businesses that have positioned the company to serve our clients’ evolving needs for easy-to-implement technologies that drive improved performance and enable their long-term growth. I’m excited to see Doug and Saurabh’s contributions in this next exciting chapter of their careers.” Caccese has more than 30 years of experience in the insurance industry, having held leadership roles at insurers including Farmers, 21st Century Insurance and AIG before joining Verisk in 2015. Most recently, he served as president of Domestic Underwriting Solutions for Verisk. Khemka began his career at the consulting firm Bain & Company before joining Verisk in 2013. Since then, he has held several leadership roles of increasing responsibility in the Underwriting Solutions group including president of Core Line Services. Spector will continue to serve Verisk in a strategic advisor role through the year. Spector held several sales leadership roles in a diverse set of companies and industries prior to joining Verisk in 2005. Since then, Spector has held leadership roles of increasing responsibility at Verisk and in 2017 he was named president of Underwriting Solutions. “Neil has a tremendous depth of understanding of the insurance industry and he’s a committed partner to our clients and his colleagues around the world,” Shavel said. “We’re fortunate to benefit from his continued leadership and insight and we’re thankful for his numerous contributions to the success of our clients and Verisk.” Verisk (Nasdaq: VRSK) is a leading strategic data analytics and technology partner to the global insurance industry. It empowers clients to strengthen operating efficiency, improve underwriting and claims outcomes, combat fraud and make informed decisions about global risks, including climate change, extreme events, ESG and political issues. Through advanced data analytics, software, scientific research and deep industry knowledge, Verisk helps build global resilience for individuals, communities and businesses. With teams across more than 20 countries, Verisk consistently earns certification by Great Place to Work and fosters an inclusive culture where all team members feel they belong. For more, visit Verisk.com and the Verisk Newsroom. CONTACT: Alberto Canal 201-469-2618 [email protected] Disclaimer: The above press release comes to you under an arrangement with GlobeNewswire. AfternoonHeadlines.com takes no editorial responsibility for the same.

https://afternoonheadlines.com/verisk-names-doug-caccese-and-saurabh-khemka-co-presidents-of-underwriting-solutions-74085/

Marketing Coordinator - State Farm Agent Team Member Full Time in Terre Haute, IN about our agency - Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. - We help customers with their insurance and financial services needs, including Auto Insurance, Home Insurance, Life Insurance, Business Insurance, Health Insurance, and Renters Insurance. - Our office is located in Terre Haute. - Our office is open 9:00-5:00 p.m.. - I have been a State Farm agent since 2010. - Before becoming a State Farm Agent, I was previously employed as a State Farm Agent Team Member. - We have 30 years of combined insurance experience in our office. - Our agency has received awards including: Ambassador Travel, Legion of Honor, and Bronze Tablet do you want a career and not just a job? This busy insurance and financial services office has a passion to make a difference in the lives of others and better the community. We want to work alongside those who are equally committed to excellence and personal achievement. If you're willing to work hard and you expect to get results from yourself and those around you, we want to meet you and talk about the opportunity we have for you. If you are self-motivated, possess an entrepreneurial spirit and have a desire to win and achieve results, please consider joining our team. if you want a career, not a job, then we encourage you to apply.Apply Now State Farm agents are independent contractors who hire their own employees. State Farm agents’ employees are not employees of State Farm. Agents are responsible for and make all employment decisions regarding their employees. Join a community of good neighbors Make a difference in your community every day. Gain confidence and grow your dream career. Earn benefits and rewards that are second to none

https://sandyismyagent.com/jobs/opening1

Robin Straus Literary Agent – This article about Literary Agent Robin Straus and the Robin Straus Agency is part of a series about literary agents and Finding a Book Agent. Publishing Agent Robin Straus is an agent with the Robin Straus Agency. She founded the agency in 1983. Before that, she was an agent with Wallace & Sheil Agency. Book Agent Robin Straus graduated from Wellesley College with a BA in art history and English literature and received her M.B.A. from New York University. Prior to becoming an agent, Robin Straus served as a subsidiary rights manager at Random House and Doubleday and worked in editorial at Little, Brown. She is a member of the Association of Authors’ Representatives and the Women’s Media Group. Robin Straus Literary Agent is on our list of AAR Publishing Agents (book agents who are members of the Association of Authors’ Representatives), Publishing Agents New York (book agents in New York State), Publishing Agents NYC (book agents in NYC), Publishing Agents USA (book agents in the United States), Fiction Publishing Agents (book agents who represent fiction authors), and Nonfiction Publishing Agents (book agents who represent nonfiction, not just novels). Robin Straus Literary Agent Biography The profile about Robin Straus Literary Agent that you see here contains just some of the information you’ll find in our free Book Agents Directory, with listings for all publishing agents. Scroll below now to learn more about Literary Agent Robin Straus and get free instant access to our Book Agents Directory. Book Genres – Robin Straus Literary Agent Literary Agent Robin Straus represents the following book genres: Representative Sales – Robin Straus Book Agent Scroll below now to view representative titles and a complete profile for Robin Straus FREE in our Book Agents Directory. AAR Status – Robin Straus Publishing Agent Scroll below now to view the AAR status and a complete profile for Robin Straus FREE in our Book Agents Directory. Contact Information – Robin Straus Literary Agent Scroll below now to view the email and postal address for Robin Straus FREE in our Book Agents Directory. Robin Straus Literary Agent Enter the Literary Agents Directory Want more information about Robin Straus? Join thousands of other subscribers today by entering your first name and email address. You’ll get free access to the Directory of Book Agents with detailed profiles for all book agents, including Robin Straus.

https://literary-agents.com/robin-straus-literary-agent/

TELEVISION, INTERNET & VIDEO ASSOCIATION OF DC, INC. By popular demand, TIVA is proud to present a discussion on Media Liability and Production and Entertainment Insurance. Whether you are a producer, actor, makeup artist or any other part of the production and film process, knowing and understanding your liability and insurance responsibilities is incredibly important! This program is a fantastic opportunity to learn more details straight from an expert who can prepare you to meet all your insurance needs. David K. Combes David K. Combes Highly Protected Risk Insurance Services Chicago, Washington, D.C., Houston, California David Combs is the principal consultant at David K. Combes Highly Protected Risk Insurance Services and has over 20 years of experience providing insurance services. As a licensed insurance & surety producer in the states of California, Florida, Illinois, Maine, Maryland, New York, North Carolina, Texas, Virginia, and Washington, D.C. he has a relationship with underwriters ready to work your Entertainment/Production insurance submission in over 25 top tier U.S. property and casualty insurance companies with the authority to provide admitted and non-admitted coverage in 79 countries around the world. His production insurance experience includes: 712 H Street NE Suite 1084, Washington, DC 20002 ©2021 Television, Internet & Video Association of DC, Inc.

https://www.tivadc.org/event-2206120

That's What Friends Are For. open cards, open hearts. What we offer you. insured without ifs and buts. simply simple. You pay for your insurance for years and then when you really need something, exactly this damage is not covered? You have been in this situation? Our LAMIE vision is crystal clear: 100% positive settlement of claims. This means that every claim is handled in a way that suits you and us. No misunderstandings, no disappointments. For no one. Everyone knows where they stand. In other words, according to our motto: open cards, open hearts. In addition, expertise and empathy belong together for us, like fish and chips. Our technology contains outstanding know-how and above all one thing: LAMIE passion. With our modern technology you can insure yourself easily and quickly online. Right here, right now. Because technology creates transparency. You know your way round, You are self-determined, You are our friend. Who we are: We at LAMIE are reinventing new ways to insure: digitally and directly. Equipped with a team of insurance experts with many years of experience, we create transparency for you in the Austrian and international insurance markets. We convey you an insurance that fits your life. We are constantly developing new innovative insurance products and rely on our strong cooperation with our insurance partners. Everything for you! our promise to you That's What Friends Are For. INSURANCE WITHOUT A STALE AFTERTASTE The status of “Coverholder at Lloyd’s” has given LAMIE far-reaching powers of attorney from Lloyd’s underwriters (individual insurance companies). This makes us an authorised underwriting agent and enables us to calculate risks and premiums on behalf of the underwriters, to issue policies and to carry out the collection and settlement of claims. Every LAMIE direct client thus enjoys the financial security of Lloyd’s Brussels. Further information can be found here. Lloyd’s is the global specialty insurance and reinsurance marketplace, offering a unique concentration of expertise and expert knowledge. It is supported by strong financial ratings and international licences. The market is often the first port of call for insuring new, unusual or complex risks, offering innovative insurance solutions for local, cross-border and global risks. Its strength lies in the diversity and expertise of brokers and managing agents operating in the Lloyd’s market and draws on capital resources from around the world. In 2015, more than 90 syndicates wrote insurance and reinsurance with Lloyd’s, providing coverage for all lines of business from over 200 countries and territories worldwide. Lloyd’s is regulated by the Prudential Regulatory Authority and the Financial Conduct Authority. Further information can be found here: www.lloyds.com Lloyd’s is not only represented by its head office in London and its European headquarters in Brussels, but also locally in Austria. The Austrian branch is the link between the Lloyd’s market and the Austrian authorities and deals with regulatory and supervisory issues. Therefore, in addition to LAMIE directly, you also have a direct local contact at your disposal. You can find the official contact details here. what else to know. That's what our customers say: WOULD YOU LIKE TO BECOME PART OF OUR LAMIE TEAM? Join our LAMIE community:

https://www.lamie-direkt.at/en/about-lamie/?s=

Actuarial, Rewards & Analytics Organizations are challenged with new emerging risks as they seek profitable growth and attempt to maximize the return on capital by understanding the risk adjusted opportunities to deploy the capital. Deloitte’s Actuarial, Rewards & Analytics (ARA) practitioners help business leaders make informed decisions to grow revenue, manage risk and capital, reduce operational costs, and design compensation and reward programs to address critical business, financial, and insurance challenges. We work with many of the world’s leading financial services providers in Life, Property & Casualty insurance, as well as with Healthcare plans and providers, and provide Rewards and Risk management advice to organizations from all industries and all geographies. Actuarial 20/20 is an offering that assists organizations and their actuarial teams in transforming and enhancing the value of the actuarial processes, systems, and people. Transformation, performed hand in hand with senior management, ultimately improves the overall value of the actuarial team as an important player in business and finance decision making. The use of analytics in HR is growing, with organizations aggressively building people analytics teams, buying analytics offerings, and developing analytics solutions. HR now has the chance to demonstrate ROI on its analytics efforts, helping to make the case for further investment.

https://www2.deloitte.com/ua/en/pages/human-capital/solutions/actuarial-rewards-analytics.html

Lloyd’s Europe can accept risks and issue policies via the following entities: How to place a risk with Lloyd’s Europe Find all organisations that operate within the Lloyd’s market in our Market Directory. Strong financial protection across Europe Because they are 100% reinsured back to Lloyd’s Syndicates, LIC policies benefit from the same excellent financial ratings as Lloyd’s, so you can be sure placing risks with Lloyd’s Europe is safe and secure. Kroll Bond Rating Agency Standard & Poor's A strong Chain of Security Lloyd’s Europe also benefits from Lloyd’s central resources, including the Lloyd’s Central Fund. As all Lloyd’s Europe policies are 100% reinsured back to Lloyd’s syndicates, they are ultimately backed by Lloyd’s unique capital structure, often referred to as the Chain of Security. Both insurance and reinsurance policies placed with Lloyd‘s Europe benefit from the stability of the Lloyd’s Chain of Security. In addition, Lloyd’s Europe holds its own Solvency II capital for further protection. Syndicate level assets Members’ funds at Lloyd’s Foreign Account Tax Compliance Act (FATCA) Lloyd’s Europe does not write US risk. For insurance premium, including US premium, paid to Lloyd’s syndicates, the single Lloyd’s market W-8 IMY will be sufficient for FATCA purposes.

https://lloydseurope.com/about/placing-risk

Michael Windstein Named CUO for Energy Sector Captive December 11, 2018 Energi has named Michael Windstein as chief underwriting officer (CUO) to support the underwriting for its eCaptiv programs. At the end of August, Energi announced the launch of eCaptiv LLC, a Vermont-domiciled captive insurance solution for the energy sector. The captive solution came out of a partnership between Massachusetts-based Energi Insurance Services, a managing general agency, and Houston International Insurance Group. Funded through client participation, eCaptiv provides auto liability, general liability, excess liability, and workers compensation coverages as well as "significant" excess reinsurance above captive retentions. Energi offers insurance and risk solutions to energy-related industries in fuel distribution, energy transport, energy construction, utilities, renewable energy, and agricultural cooperatives. eCaptiv has two programs, PC1 and PC2. PC1, which the Energi website refers to as a "large energy captive," targets energy companies within fuel distribution, energy transportation, energy construction, renewable energy, agricultural cooperative, and utilities with $250,000 or greater in primary casualty premiums. PC2, referred to as a "small energy captive," is for energy companies in the same space as PC1 but whose primary casualty premiums are less than $250,000. Windstein previously worked as assistant vice president for the mid-Atlantic, where he managed the underwriting portfolio for the region. In addition to his experience at Energi, he was assistant vice president and underwriting manager at Victor O. Schinnerer and was an underwriter for the Global Energy Middle Market program at AIG specializing in the oil and gas industry. "Windstein has been a strong asset to the underwriting operations at Energi," says Timothy Kolojay, president and chairman of eCaptiv. "His experience and knowledge of the insurance and energy industry will be critical in the success of the eCaptiv programs." Pictured above is Mr. Windstein, photo courtesy of Energi, Inc. December 11, 2018

https://www.captive.com/news/michael-windstein-named-cuo-for-energy-sector-captive

National General Holdings Corp. (NGHC), the personal lines insurer will start offering private flood coverage in Florida later this season after its procurement of Syndeste LLC, an insurance technology business. National General will formally launch the product in the third quarter for its domestic and commercial consumers, beginning in Florida. It will develop the product everywhere in the United States with New Jersey designed as its next state, to begin with supporting this plan of evolution. The company intends to offer multiple granted and non-admitted private flood insurance commodities based on Syndeste’s underwriting technology and via partnering with reinsurers as the output is rolled out. Syndeste concentrates in targeting consumers seeking flood insurance and leveraging hyper-local risk information to underwrite flood insurance. Its data and analytics present insurance agents with institutional and marketing tools personalized to their consumers. National General earlier only offered flood insurance through the federal National Flood Insurance Design. Syndeste is an insurance technology business focused on the flood coverage market using comprehensive data and analytics. Their platform, Beyond Floods, presents pricing, underwriting, and selling tools for all U.S. states and territories by holding high-resolution property- and structure- level flood hazard perspicacity. New York City-based National General Holdings Corp., is a personal practice line insurance holding corporation providing personal and commercial vehicle, homeowners, umbrella, recreational transport, motorcycle, supplemental well-being, and other niche insurance merchandises.

https://www.mytechmag.com/national-general-acquires-insurtech-syndeste/

Overseas General Insurance, Chubb’s international general insurance business in 51 countries and territories, has a new head of cyber & technology in the form of Raheila Nazir (pictured). “Raheila is a seasoned cyber practitioner and is widely recognized as a highly-respected leader in the cyber insurance market,” said Tim Stapleton, executive vice president, financial lines, Chubb Overseas General. “Her insights and expertise make her perfectly placed to lead Chubb’s Overseas General cyber practice as we continue to evolve to meet the ever-changing needs of our brokers and clients.” Nazir – who has over two decades of insurance industry experience and whose promotion is effective immediately – came onboard Chubb in 2018. She previously served as cyber underwriting manager for the UK, Ireland, and South Africa, as well as for Chubb Global Markets which includes the insurer’s London Market wholesale and specialty business. Chubb vice president Mike Kessler, who is also division president for global cyber risk, commented: “One of Chubb’s many strengths is our ability to develop and promote from within and acknowledge talent across the company. “The cyber & technology practice is a fundamentally important part of our Overseas General Insurance business, and I am delighted that we have been able to promote Raheila to this key leadership position.” Based in London, Nazir reports to both Stapleton and Kessler.

https://www.insurancebusinessmag.com/us/news/cyber/chubb-selects-cyber-and-tech-head-for-international-general-insurance-business-310088.aspx

DURBAN – specialist in public claims settlement Insurance Claims Africa (ICA) has endorsed the decision of the Supreme Court of Appeal of the policyholder Cafà © Chameleon, citing the grounds of legal certainty. Ryan Woolley, CEO of ICA, said Cafà © Chameleon’s verdict against Guardrisk was a significant win for an industry that has suffered tremendous losses. ???? With South Africa facing a second wave of the Covid-19 pandemic, hopes of survival are dwindling for many of these companies that relied on the summer vacation to push it through by 2021. The latest statistics show that hotel occupancy in Cape Town is a staggering 18 percent. The rest of the country is in a similar position. ???? Without urgent payouts from insurers, many doors will close and many more thousands of jobs will be decimated. It’s time insurers stopped hiding behind their legal teams and honoring their customers. Expectations. We demand the immediate solution of all valid claims. said Woolley. The Supreme Court today dismissed the appeal and ordered Guardrisk to pay Cafà © Chameleon’s full claim and legal costs. The ruling categorically stated that the government has imposed a lockdown in response to multiple Covid-19 outbreaks across the country and predominantly in Cape Town, where the Chameleon cafe is conducting its business that was through the infectious disease clause covered. The ruling was also found to be strengthened by much of the reasoning in the UK Financial Conduct Authority’s test case and two recent Western Cape Supreme Court rulings: Ma-Afrika Hotels and Another v Santam and Interfax and Another v Old Mutual. The SCA ruling was seen as a precedent for all other business interruption insurance cases that have been tried in courts across the country, as well as in the Ma-Afrika appeal against Santam. The ICA said it again applauds the South African Financial Services Conduct Authority (FSCA) for its approach to these claims and urges them to once again assist them in requesting an immediate settlement of these claims. Cafà © Chameleon’s attorney, Ren Dunster, commented on the SCA’s decision and said he and his client Nico Schoeman were delighted with the verdict. â ???? We welcome the urgency and clarity with which the judges have dealt with the matter. We are privileged to have such a strong judiciary in South Africa. said Dunster. André Pieterse, Chairman and General Manager of Ma-Afrika Hotels, urged Santam Insurance to waive its attempt to further delay payment of claims and withdraw its appeal against the Cape High Court’s Full Bench decision, in the Santam Insurance has lost its case against Ma-Afrika Hotels. The ICA said the tourism and hospitality sector has more than 740,000 direct and 1. 5 million indirect jobs and contributes 8. 6 percent for the South African economy. Guardrisk Insurance Company Limited, appeal, insurance, Santam, court of appeal, insurer World news – CA – ICA calls the decision of the SCA Café Chameleon a precedent . . Related title : – ICA calls SCA Café Chameleon decision a precedent – Lockdown Claims: Major Differences Between Our Case and Guardrisk, Santam says – p. . The African insurer Guardrisk will not contest the court’s decision on COVID-19 claims – Santam responds to appeal Court&’s verdict in Cafe Chameleon-Guardrisk – Big profit for the hospitality sector under the rules of the Court of Appeal against Guardrisk – Court of appeal throws insurer CSSANDANDCHAR # 39; Covid-19 business interruption case – Massive Covid-19 blow for insurers: Guardrisk loses appeal by the Supreme Court – The South African court rejects the appeal of the insurer Guardrisk&. – p. . The African court rejects the appeal of the insurer Guardrisk& in the COVID-19 damage case Donnez votre avis et abonnez-vous pour plus d’infos Vidéo du jour:

https://cameroonmagazine.com/actualite-internationale/world-news-ca-ica-cites-sca-caf-chameleons-decision-as-a-precedent/

Singapore based Etiqa Insurance has launched a 30-minute fast Own Damage (OD) claims approval for its motor policyholders, a first-ever feature in the motor insurance sector in Singapore. Motor claims approval generally takes approximately 1 to 2 days to process. Etiqa, with its 22 quality authorised workshops, has streamlined the motor claims submission process and greatly reduced their approval time. Upon receiving the necessary claims and estimated damage documents, repair claims of up to S$5,000 can be approved in just 30 minutes.Motor vehicle owners can expect to get their vehicles back on the road much sooner, minimising inconvenience. "The motor insurance industry is a very competitive market, and we would like to offer our customers great value beyond a competitive price. By speeding up the approval process, we reduce stress and provide better peace of mind to motor vehicle owners," said Sue Chi Kong, Chief Executive Officer of Etiqa Insurance Singapore. Following their successful launch of the first-ever automated Straight Through Processing (STP) of travel claims with instant payout via PayNow, the progressive insurer is once again revamping the motor insurance scene with their fast 30-minute claims approval. The innovative insurer and its partners recognise the importance of speed in an increasingly time-deprived society. Sue added, "Our authorised workshops are cooperative in this initiative and are looking forward to provide a seamless claims experience to our customers." Etiqa Insurance Pte. Ltd. is a licensed life and general insurance company registered in the Republic of Singapore and regulated by the Monetary Authority of Singapore (MAS).

https://asiainsurancepost.com/archives/784

Why is a Couch Like a Turkey? In early November, each crisp fall day’s golden sunlight grows shorter and wanes into the cold dark night. We see the bright, colorful, and radiant leaves sparkling in the autumn sun sinking low on the horizon. We smell the woodsy humus fragrance of the fallen leaves and acorns from the tall oak trees rooted in the damp dark earth. As our minds wander in a sort of Freudian free-associative state, we remember our happy childhood memories of days gone by. Those days marked with the anticipation of the coming holidays, and Thanksgiving Day rapidly approaching. A time for self-reflection, sharing, and greeting family and friends at warm social gatherings. Some folks may still remember the child’s Thanksgiving riddle: “Why is a couch like a turkey? Because they are both full of stuffing”! We’ll talk more about the contextual perspectives of the couch later. Yet today, still tens of thousands of human beings in our nation are not so lucky. They suffer indescribably. Many of our brothers and sisters don’t have happy childhood memories, and if they did, the memories are displaced as they struggle each day in misery and despair. They face a myriad of challenges just to survive, while Social Workers nobly lead the way towards a hopeful recovery. This is a dangerous trail because frequently, social workers serve in a threatening environment riddled with violence. The social work profession is truly a noble endeavor rooted in the values of service, integrity, and clinical competence. The nation owes a debt of gratitude to social workers. Thank you for all that you do. The U.S. Department of Labor, Bureau of Labor Statistics in 2017 reported that there is 1 felonious assault death per 100,000 social workers per year. According to a report by AFGE dated July 15, 2016, the Bureau of Labor Statistics found that during the period 2011 and 2013 there were 24,000 workplace assaults, and 75% of them occurred in the social services setting. In 2014, the Bureau of Labor Statistics reported that Health Care and Social Services settings sustained 52% of all workplace violence incidents. These are merely the reported assaults. Insurance carriers and Lloyds London reinsurance syndicates admit that there are many more assaults in the social services setting that go unreported. A Lloyds London professional liability syndicate insurance carrier recently reported that their reported claims losses indicate that 690 per 100,000 social workers are assaulted annually while providing Professional Services. On average, they suffer 19 days out of work for injury recovery. If drug and alcohol issues are involved, the assault incidents almost triple to 2,000 per 100,000 social workers per year. To address this alarming situation, NASW Assurance Services launched a new, and free Felonious Assault insurance policy at no cost to NASW members who are active policyholders in the NASW endorsed life and health insurance program with The Hartford. The notice letters were issued by NASW Assurance Services in October 2019, so retain your Felonious Assault policy notice in your file. It is worth $25,000 in cash. If an insured dies due to a felonious assault while providing Professional Services, including traveling to or from the case assignment, the policy pays $25,000 to the insured’s estate to satisfy outstanding liabilities of the social work practice including the expenses arising from terminating or reconciling the practice. If any cash benefits remain from the $25,000 cash death benefit, the cash transfers into the insured’s estate. This Felonious Assault policy is insured and underwritten by the NASW Insurance Company Inc., is approved by the Government of the District of Columbia Department of Insurance, Securities, and Banking insurance regulators, and is a free NASW conditional member benefit. This is our way of saying “THANK YOU” for all the noble work that you do to heal society and the risks that you sustain every day while doing this great work for people. So why do we talk about a “couch”? Philosophically and briefly speaking, there are at least three interpretations of a couch that come to mind. More creative interpretations will likely turn up while pondering this question further. We prescribe various meanings and resultant outcomes that are eventually derived depending on the context, facts, and circumstances combined with our own experiences through which we view the “couch” using our respective lenses and perceptions as follows: - The child’s view. A simple riddle of a couch being stuffed like a turkey. - The Freudian view. Sigmund Freud, the founder of psychoanalysis, pioneered the use of a couch as an evolution from the hypnotic method to a mutual free-associative method. Essentially while lying on the couch relaxing, the client letting the mind wander and engage in free and open dialog. (“Freud’s Couch: Why a Comfortable Couch Matters”, Medleyhome.com, 11/16/2016) - The insurance risk view. The couch is a chattel or personal property. Its replacement value or depreciable basis can be insured through a property cover. The liabilities arising from interaction with the couch as a therapy tool and/or as an office fixture for visitors can also be insured through a professional liability insurance policy and a general liability insurance policy. It is the third element, insurance risk, that NASW Assurance Services and the Preferra Insurance Company RRG, formerly NASW Risk Retention Group perceive the couch. Using literal insurance-speak, and our contextual insurance experiential perspective, the couch represents an element of potential professional liability and insurance claim for bodily injury if a client slips off the couch during a therapy session, or trips over it. The couch can also be the root cause of a general liability insurance claim if business invitees or client trips and falls over it thereby sustaining an injury. Understandably, the simple insurance perspective of the couch is much less cerebral and profound compared to the Freudian perspective of the couch. So much for the philosophical perspective of this month’s tip. From a purely pragmatic utilitarian perspective, just remember that we protect you. When you buy insurance policies that are offered by NASW Assurance Services and the Preferra Insurance Company RRG, they cover you like gravy on turkey and mashed potatoes, so “gobble” them up! Happy Thanksgiving from your friends here at NASW Assurance Services! Published November 2019

https://ilovesocialwork.com/why-is-a-couch-like-a-turkey/

Welcome to CGMMonitors.com. Before using our website and making any purchases, please carefully read the following disclaimer. 1. Medical Advice: CGMMonitors.com is an online store that provides Continuous Glucose Monitoring (CGM) devices, including sensor readers and other related devices. While we strive to provide accurate and up-to-date information, the content on this website is for informational purposes only. It is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. 2. Product Information: We make every effort to display accurate product information on our website. However, we do not guarantee the completeness, accuracy, or reliability of any product descriptions, pricing, availability, or other information. The inclusion of any products or services on CGMMonitors.com does not imply endorsement or recommendation. 3. Online Payments: CGMMonitors.com offers online payment options for your convenience. All transactions are processed securely, but we cannot guarantee the security of data transmitted over the internet. By using our online payment services, you agree to assume any risk associated with information transmitted. 4. Insurance Billing: If you choose to bill your purchase to insurance, it is your responsibility to verify coverage and eligibility. CGMMonitors.com is not responsible for any issues related to insurance billing, including denial of claims or coverage limitations. 5. Third-Party Links: Our website may contain links to third-party websites for your convenience. CGMMonitors.com is not responsible for the content, accuracy, or reliability of these external websites. Visiting these links is at your own risk. 6. Changes to Disclaimer: CGMMonitors.com reserves the right to modify or update this disclaimer at any time. It is your responsibility to review this page periodically for changes. Continued use of the website after changes have been made implies your acceptance of those changes. If you have any questions or concerns regarding this disclaimer, please contact us at [email protected]. By using CGMMonitors.com, you agree to the terms outlined in this disclaimer. Last Updated: 12/08/2022

https://cgmmonitors.com/disclaimer/

Sarah Washburn is a third-generation insurance agent following in the footsteps of her father and grandfather. With 18+ years in the insurance industry, she is a results-driven professional who has transformed the organization throughout her tenure and who successfully succeeded the agency principals to full owner and President of the agency in 2017. Under Sarah’s leadership, the current senior management team she oversees has over 80 years of combined insurance experience, and her service staff has an average tenure of over 20 years. As the agency’s President, Sarah’s priority focus areas are on the mentorship of her producing staff and taking the agency to the next level. Founded in 1961, Wilson, Washburn & Forster Insurance is a boutique commercial insurance agency with a niche industry focus. The firm specializes in industries such as food, aviation, manufacturing, social service organizations, medical facilities, technology, non-profits, and other industries. Through a proven six-step process to evaluate an insurance program, Wilson, Washburn, and Forster Insurance has created a unique method of establishing strong partnerships with their clients. From onboarding and throughout the client’s tenure, Sarah and her team ensure that there is a solid relationship established with the client and that individual needs are met. Community engagement and professional development are important components of Sarah’s professional life. In the past, she has chaired popular community events such as the Taste of Pinecrest; an event that focuses on raising funds for local public schools, and under her leadership was responsible for raising over $42,000. She started the Young Agents Committee in Miami to encourage insurance agents under 40 years of age to network and grow their own businesses. Additionally, she graduated from the Florida Future Insurance Leaders program, and she has been the recipient of prestigious awards such as the Elite Women in Insurance award through the Insurance Business America Magazine. Sarah is also an active member of the Florida Association of Insurance Agents. Sarah received both her Bachelor of Science and Master of Science degrees in Communication from Florida State University. After the masters program, she spent close to four years working in the automotive industry for General Motors prior to joining her father in the family business at Wilson, Washburn, and Forster. Sarah also served as a board member of the Florida Association of Insurance Agents for a 3 year term and continues to support the initiatives that FAIA brings before the State of Florida.

https://wwfins.com/?page_id=166

The Fire Signs of the Zodiac are: Aries. Let’s look to understand the passion and creation of Fire signs and their dominant element, Fire. Fiery by name, fiery by nature. Fire signs are indeed fiery or have and display traits associated with fire. They reveal both the right side of things that are illuminating, authoritative. Aries is the first Zodiac sign. People born between March 21 to April 19 have an Aries Sun sign. The symbol for Aries is the ram. Aries’ quality is cardinal, its element is fire, and Mars is its ruler. With the heart in the right place, this sign expresses the heat of Fire. Inspiring authenticity, Leo brings the pleasure of experiencing life with an optimistic view of the world. In this sign, the mind and heart unite to represent man’s individuality and expansiveness more independently. Which zodiac signs have a dominant fire personality? People born under the astrological signs of Aries, Leo and Sagittarius, are thought to have dominant fire personalities. Dominant, because they are born when the sun is under those sun signs. Fire personalities are believed to have excellent qualities and also tend to be enthusiastic, extroverted, rebellious, passionate, brave and valiant. Our answer is in Astrology, the effervescent energy of the Fire Element favors spiritual elevation, extreme lucidity and purification of the soul. The Fire signs are Aries, Leo and Sagittarius. In Astrology, there are four Elements, or Triplicities, each consisting of three signs. The Fire signs are Aries, Leo and Sagittarius. What are the different types of fire signs? We have created separate guides to each of the fire sign elements: Aries, Leo and Sagittarius. Welcome to the first of the fire signs: Aries . Aries being the first sign, means that it’s dynamic and emotional qualities are elevated. What are the different signs of the zodiac? Each of these elementary groups has distinct traits. Together, they form the natural world, so each is in some way dependent on the other.

https://celestialtoday.com/zodiacs-fire-signs/

LRB filing targets 29 insurance firms identified as ‘preferred brokers’ during labour dispute The Canadian Union of Public Employees today filed an application with the Labour Relations Board of British Columbia to allow picketing of 29 insurance brokers by declaring them to be “allies” of Pacific Blue Cross (PBC) during its labour dispute with CUPE Local 1816. The 29 insurance brokers, located in communities throughout the province, have been listed as “Preferred Travel Insurance Brokers” for PBC during the benefit provider’s lockout of its more than 600 employees. “Steering prospective customers to preferred brokers is a new strategy of PBC, which is aimed at facilitating the employer’s continued sale of travel insurance…By agreeing to participate in this strategy…the Respondents have acted in combination, in concert or in accordance with a common understanding with PBC to institute a process designed to assist the employer in the lockout or in resisting the strike,” the application states. “Before the lockout these travel plans were sold either over the phone by our members or online. Now customers who cannot buy directly from PBC because of the lockout are being redirected to these brokers and they are doing our work,” said CUPE 1816 President Beth Miller. “If they want to ally themselves with PBC during this dispute, there will be consequences for that.” The application seeks to have these brokers declared voluntary “allies” according to the BC Labour Relations Code and a declaration that the Union is entitled to picket at or near a place where each ally performs its work “until such time as the ally extricates itself from its enhanced relationship with PBC.” See the LRB application, which includes the listed companies, here.

https://cupe.ca/cupe-files-application-picket-pacific-blue-cross-allies

Toronto – January 8, 2024 – South Western Insurance Group Ltd. has acquired A.M. Fredericks Underwriting Management Ltd. Toronto – January 1, 2024 – South Western Insurance Group Ltd. (SWIG) has acquired A.M. Fredericks Underwriting Management Ltd. (AMFUM). This alignment will expand each business’ potential for growth and a pathway for continued success. Terms of the transaction were not disclosed. This year will mark 50 years in the insurance business for Tony Fredericks, who founded AMFUM 30 years ago. Upon the close of the transaction, Tony will be retiring from the MGU space after 35 years. John A. Barclay, President and C.E.O. of SWG Group Holdings expressed, “We are honoured that Tony has entrusted us with the legacy of what he and his family built. AMFUM and SWIG are very complementary. AMFUM will bring a broad risk appetite and placement solution to our Group, and further expand our ability to solve the placement needs of our brokers.” With Tony retiring from the business, SWIG’s Chief Underwriting Officer, Ghazal Hamid has been appointed President of AMFUM. “We are excited to see Ghazal leverage his experience with SWIG and lead the business forward.”, Barclay says. About South Western Insurance Group Limited South Western Insurance Group is a Managing General Agent offering a broad range of insurance solutions for specialty, niche, program and hard-to-place business. Since 1961 we have proudly provided underwriting expertise to independent insurance brokers across Canada. About A.M. Fredericks Underwriting Management Ltd. A.M. Fredericks Underwriting Management Ltd. has been providing high risk and hard to place coverage for 30 years. As one of Canada’s leading federally licensed Managing General Underwriters, A.M. Fredericks’ national expertise in niche and non-standard commercial liability, professional liability and property risks is second to none.

https://swgins.com/news-release-south-western-insurance-group-ltd-has-acquired-a-m-fredericks-underwriting-management-ltd/

On December 11, 2019, the 7th China (Shanghai) International bus Exhibition (hereinafter referred to as Shanghai International bus exhibition) opened in Shanghai. If ruigao Co., Ltd. is invited to participate in the exhibition, Zhao junhuan, general manager, as an enterprise representative, shared the research and application of flame retardant, fire prevention and fire extinguishing systems of new energy vehicles, consolidated the existing cooperative relations, explored a large number of potential customers, and laid a solid foundation for developing the market. At this exhibition, ruigao Co., Ltd. provided practical and effective solutions to the efficiency and cost problems faced by new energy vehicles in flame retardant, fire prevention and fire extinguishing. The exhibition focuses on: 1. Automotive interior flame retardant materials The product is widely used in leather, seat cover, curtain, main carpet and other soft materials for vehicles. Ruigao customized a complete set of flame retardant solutions according to customers' flame retardant performance, hand feel requirements, environmental protection requirements and other performance. Flame retardant can reach GB / t8410, fmvss302, BS5852 and other flame retardant standards; Environmental protection can achieve halogen-free and heavy metal free. 2. Metal and plastic fireproof coatings The product is widely used in car chassis, roof, electric cabinet and other hard materials that are easy to deform in fire, such as car metal, plastic and so on. The product has the following characteristics 3. Fireproof sealing material Fireproof sealing materials are widely used in fireproof sealing of gaps and holes in electric boxes and other parts. Including fireproof expansion insulation board, gap fireproof sealing material, solvent-free cable fireproof coating, etc. In particular, polyurethane fireproof expansion thermal insulation board is a combination of light weight, thermal insulation and fireproof properties. 4. Microencapsulated heptafluoropropane nano fire extinguishing black Technology The product is mainly used for active fire extinguishing of energy storage batteries, electric cabinets and small spaces. The product is a new fire extinguishing product, which can release a large amount of heptafluoropropane fire extinguishing agent at temperature. The products can be in the form of fire-extinguishing paint, fire-extinguishing patch, fire-extinguishing rope and other forms. It can significantly reduce the risk of fire in the initial stage of fire. It is an important supplement to the conventional fire protection system and fundamentally improves the reliability of fire protection. Ensure the safety of people's lives and property from the source. It can be started regardless of the paralysis of the alarm system, the failure of the automatic fire extinguishing system, emergency power failure and other human factors. It can be used for automobile battery fire extinguishing. 5. Waterborne industrial paint The product is widely used in light anti-corrosion of automobile parts such as axle, brake disc and body. The products cover water-based steel structure anti-corrosion and anti rust paint, water-based industrial baking paint, water-based plastic paint, etc. they can be applied to marine ships, coastal and bay structures, offshore oil, automobiles, agricultural machinery, engineering machinery, metal structures and electric vehicles. The products take water as diluent and are environmental protection products. The product has the characteristics of high salt pollution resistance, high weather resistance, anti rust and anti-corrosion. During the three-day exhibition (December 11-13), ruigao's booth attracted many exhibitors, and the staff always communicated with the exhibitors with enthusiasm and patience. The characteristics and advantages of the products were well displayed under the wonderful speeches and demonstrations of ruigao's staff. After the professional audience and exhibitors knew the products, they expressed great interest in the products exhibited by ruigao, Many customers have conducted detailed consultation on site and hope to have in-depth cooperation through this opportunity. Address: No. 188 Liangshan Road, Functional Zone, Linghu Town, Nanxun District, Huzhou City, Zhejiang Province

https://en.cn-ruico.com/news/483.html

Concord, MA, January 17th, 2022 – Strategic Risk Solutions (“SRS”; “the Company”), the world’s largest independent insurance company manager, today announced that Peter Child has been appointed as Chief Executive Officer of SRS Europe. Child will also retain his current role of SRS Guernsey Managing Director. Child began his new role as the CEO of SRS Europe on January 1, 2022. In this role, Child is assuming responsibility for continuing to grow SRS’s European presence in Luxembourg, Dublin, Malta, Switzerland, Guernsey, Sweden, and the Netherlands, as well as pushing into new territories. “SRS’s growth has continued to grow globally with the most significant expansion in Europe in recent years. As such and given our 5-year growth plan in Europe, it makes sense to appoint a strong leader in the region to work closely with our European Executive Team and staff to manage the next phase of our expansion” according to Brady Young, SRS Group CEO and Chairman of SRS Europe. “I’m excited to continue working with our European executives and to bring the independence and unparalleled expertise of SRS in captive insurance and alternative risk financing to clients across Europe.” added Child. Child joined SRS in 2021 and will continue to oversee the firm’s management services to Guernsey clients. He has over 20 years’ experience in the European captive and insurance company management industry. He has worked with a wide range of captive clients from various industries, commercial insurers and reinsurers, as well as Insurance Linked Security (ILS) vehicles. About Strategic Risk Solutions (SRS) www.strategicrisks.com SRS is the world’s largest independent insurance company manager. With over 25 years’ experience, SRS provides management and consulting services to a wide range of insurance company entities, from single parent captives to complex commercial insurers and reinsurers. SRS has operations in the United States, Europe, Barbados, Bermuda, Cayman Islands, and South Africa.

https://irletter.com/articles/SRS%20Appoints%20Peter%20Child%20as%20Chief%20Executive%20Officer%20of%20SRS%20Europe

ACE Announces Launch of Agriculture Property & Casualty Business PHILADELPHIA--(BUSINESS WIRE)-- The ACE Group today announced the formation of its agriculture property and casualty insurance business, ACE Agribusiness. ACE Agribusiness is comprised of Penn Millers Insurance Company, acquired by ACE in 2011, and the Farm and Ranch division of Rain and Hail Insurance Service, acquired by ACE in 2010. ACE Agribusiness will offer farm and ranch and specialty property and casualty commercial insurance products and services to the agriculture market. "Unifying the Penn Millers commercial agricultural business and Rain and Hail's Farm and Ranch division under the new name -- ACE Agribusiness -- strengthens ACE's offerings in this segment. It also builds upon ACE's leading franchise, broadening our portfolio in this market, by bringing ACE's specialty commercial property and casualty expertise to agriculture businesses," said Michael Coleman, Division President, ACE Agriculture. "We're pleased to have the opportunity to align these combined property and casualty offerings under the ACE brand. And we're pleased to expand our substantial agricultural market capabilities through these specialty niche businesses serving the agriculture market." Rain and Hail, an insurance subsidiary of the ACE Group, will continue to offer its comprehensive suite of crop products including multi-peril crop insurance, crop hail coverages, and named peril products specific to the agriculture market, under its existing name. ACE's agriculture businesses, Rain and Hail, and ACE Agribusiness, headquartered in Johnston, Iowa, is one of the largest providers of multi-peril crop insurance and a leading provider of crop hail and commercial agricultural insurance to farmers and businesses in the United States and Canada. The ACE Group is one of the world's largest multiline property and casualty insurers. With operations in 53 countries, ACE provides commercial and personal property and casualty insurance, personal accident supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. ACE Limited, the parent company of the ACE Group, is listed on the New York Stock Exchange (NYS: ACE) and is a component of the S&P 500 index. Additional information can be found at:www.acegroup.com. The ACE Group Carla L. Ferrara, 212-827-4744 KEYWORDS: United States North America Pennsylvania The article ACE Announces Launch of Agriculture Property & Casualty Business originally appeared on Fool.com. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Copyright © 1995 - 2013 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.

https://www.aol.com/2013/04/11/ace-announces-launch-of-agriculture-property-casua/

Insurers faced considerable headwinds in 2021. Persistently low interest rates limited demand for some insurance products. Furthermore, extreme weather has wreaked havoc across the globe; disasters are becoming more intense, more frequent, and more costly in an urbanizing world. But conditions aren’t all bad. New data combined with analytics gives insurers new information. Insurers, in our view, won’t shy away from taking some, albeit calculated, risks. In 2022, insurers will rely closely on new data sources to find hidden profits in challenging areas. Climate change isn’t the only challenge insurers must contend with next year. Alternative providers see big opportunities in simplifying the customer’s insurance buying journey. Ecosystem orchestrators, like Volvo, aim to reduce frictions around the buying experience. Insurers have taken notice, and we see them exploring new markets for their products and services through embedded solutions. They will get serious about identifying suitable markets and evaluating product relevance. Though embedded solutions will help insurers improve their products and services, our surveys reveal that improving the customer experience (CX) is the most important priority for insurers. We believe that digital insurance platforms can help insurers bring new products and services to the market faster, which will help move the CX needle. We believe 2022 will be a very strong year for digital insurance platform investment. Driving revenue growth is an enduring priority for insurers. But they won’t be the only ones looking for revenues. Cyber criminals seek opportunities, too. With ransomware attacks on the rise, the cyber insurance marketplace has already taken a hit. Next year, we expect that at least one major insurer will stop writing new cyber business. We are slowly returning to (some semblance of) normal, and insurers continue to invest in digital capabilities to provide some of the services customers expect. But there is still much work to be done across the customer lifecycle and insurance value chain. We believe that insurers are primed to accelerate their businesses and digital transformation in 2022.

https://www.forrester.com/blogs/insurance-predictions-2022-eu/

Hartford Commercial Plumber & Contractor Looking for a Commercial Hartford Plumber to solve your plumbing problems? Call Joe the Plumber now at: 860-850-0668 If you’re in need of commercial plumbing in Hartford, we have a team of skilled contractors on hand with experience in schools, retail spaces, hotels, medical complexes, retirement communities, and manufacturing plants. Our Commercial Division concentrates on the unique requirements of large scale spaces. Our expert plumbers are available for renovations, new construction, and intelligent design build. Why Choose Us for Your Hartford Commercial Plumber? Our experienced crew has the ability to handle commercial plumbing projects in Hartford, Connecticut. Professional staff, licensed and insured work, and our competitive prices make us the premier commercial plumber for major jobs. At Joe the Plumber, we are ready to get the work done right the first time with no hassle and constant communication. Check our customer reviews to discover what our experience says about us. - We are fully licensed and insured commercial plumbers in Hartford. - Compliance with all Connecticut state and local codes. - Our professional plumbing services are attractively priced. - Ability to provide accurate commercial cost estimates. - Specialize in installation and replacement for large scale facilities Arrange a consultation with us by calling our offices at 860-617-7157 or schedule an appointment online. Your business is as important as our business when you contract with our commercial plumbing division in Hartford, Connecticut. Our Services Cover All of the Hartford County Areas with:

https://www.calljoetheplumber.com/hartford-commercial-plumber-contractor/

Xclaim operates the only independent online trading platform for crypto bankruptcy claims. With the largest network of buy-side traders, crypto account holders can trust the competitive and transparent solution of an open-market platform to deliver the highest price and most favorable terms. Xclaim is relentlessly focused on helping its customers unlock value and better allocate risk amid rapidly changing market conditions. Xclaim approached Virgo seeking assistance to establish their service to a broader audience. Virgo’s immediate priority was to amplify Xclaim’s mission and brand presence, through proactive media outreach, product reviews, and thought leadership opportunities, resulting in mainstream business, technology, and crypto trade publications exposure. As the crypto market began to severely destabilize, Virgo worked closely with Xclaim’s team to provide unique perspectives and forward-looking insights on legal rights and best practices to recover losses. The interest generated from the media helped Xclaim reach new buyers and sellers; consequently, listing claims up to $2.5 million. Executing Virgo PR’s proposed strategy supported Xclaim’s overarching goal of pivoting to become a solely crypto-focused platform and appealing to a more consumer-based audience. Through Virgo’s initiatives, Xclaim appeared in The Wall Street Journal, Bloomberg, and Yahoo! Finance amongst other top-tier publications. Directly linked to its dominant media exposure, Xclaim reported its highest revenue growth during the first quarter of 2023. - CoinDesk – FTX Bankruptcy Claims Sell for 20 Cents on the Dollar in Private OTC Markets - The Block – FTX’s $5 billion haul fails to boost price of bankruptcy claims, Xclaim says - WSJ – FTX Customer Accounts Rise in Value After $5 Billion in Assets Found - Yahoo Finance – Xclaim CEO: Creditors sell bankruptcies ‘to cleanse their hands’ - Bloomberg – Distressed Crypto Deals Heat Up as Jefferies Buys Genesis Claim At Virgo PR, the team of PR experts understands what stories matter and attract the right attention, as well as how to keep brands ahead of the curve and at the front of people’s minds.

https://virgo-pr.com/our-public-relations-case-studies/xclaim/

We hope to see you at ADX 18! Dental Essentials are excited to be attending ADX 18, Australia’s largest trade show for dentists. We’ve come a long way in just over a decade from providing insurance for three dental practices to now looking after more than 10% of all dentists in Australia. Attending ADX 18 as the only specialist insurance broker serving the dental profession is recognition of how far we have come. Exhibiting at this massive dental conference is a big deal for us and a great chance for us to catch up with many of our current clients, and announce the exciting changes taking place at Dental Essentials. Our new dental practice insurance product is backed by one of the world’s largest and most respected insurers – Chubb insurance. At the conference we will be talking about one of the unique benefits of our new practice policy – Cyber cover which provides protection for cyber events, viruses, data breaches and hacking, and allows dentists to comply with the new Mandatory Breach Notification Legislation which commences February 2018. Come and say hi to Murray, Brooke, Jess & Chris from Dental Essentials at ADX 18, we are at booth 491 right near one of the two main entry/exits.

https://www.bruce.com.au/2018/02/hope-see-adx-18/

Global Casualty provides comprehensive commercial liability insurance and risk management solutions to clients throughout Puerto Rico and the Caribbean. Casualty encompasses general liability, automobile liability, employer’s liability (Employer's Stop Gap Endorsement), commercial umbrella, and product recall. We offer leading policy forms and products, multinational coverage, and market-leading capacity - all backed by expert risk consulting, data analytics and dedicated claims management worldwide. We provide tailored casualty insurance solutions for local and multinational organizations of all sizes. General liability insurance designed to protect businesses from the costs of accidents, injuries, and property damage sustained by third parties. Companies of all sizes and industries need sound protection against these traditional exposures, as well as more complex exposures such as product liability, personal, and advertising injury. Customized casualty solutions that address the standard and specialized insurance needs of a variety of transportation risks, from trucking operations of all sizes to commercial business fleets. An innovative AIG program designed to help manage a crisis related to a product recall as a result of contamination of such product that could result in bodily harm to the consumer. Casualty coverage solutions to protect businesses against potentially catastrophic losses. With high capacity and exceptional program design flexibility, we build strong, unified towers of liability protection in an attempt to meet the sophisticated needs of major corporate clients. Customized commercial umbrella solutions designed to minimize potential coverage gaps and inconsistencies between layers of coverage amongst different policies for companies of varying sizes and business sectors. We provide various environmental related insurance products to cover our insureds from their responsibilities arising from contamination affecting third parties, as part of their operations.

https://www.aig.com.pr/business/products/casualty

We ensure your company’s success Full risk coverage of loss or physical damage by any accidental and external cause Door to door coverage We offer insurance coverage to and from any place in the world (restrictions apply) Our rate is the same no matter the destination or the mode of transportation Sign up for continued insurance with our corporate credit plan 100% verifiable certificates Verify the authenticity of your documents in our platform We’ll provide free of charge training for your company. Personalized assistance in any event We’ll be there to assist you in case of a claim anytime, anywhere. Need more information? Along with a team of commercial advisers and highly qualified field operatives, we set out into the insurance market in 2017 to provide services and innovative solutions in international trade. We have offices in the United States, Latin America and Canada OUR BUSINESS PARTNERS The attacks on several commercial ships by the Houthi rebels in the Red Sea, one of the most talked-about cases being that … Nearshoring continues to grow rapidly, increasing its pace of advancement since the pandemic. As a result, the cargo insurance sector and logistics … The logistics and trade in Mexico is facing challenges due to the new requirements of the CFDI, the Digital Tax Receipt via … At ONUS we deeply care for traveler’s safety, that’s why we offer travel assistance to cover unforeseen events such as medical emergencies, lost or damaged luggage, and more. Our team of experts is ready to help you find the best solution for your business.

https://www.onusinsurance.com/

Few knew about Ethiopia’s insurance industry. It is not only an industry ignored by citizens but also by officials who are tasked with regulating it. It starts with the National Bank of Ethiopia (NBE). Players in the industry usually blame its officials for not paying attention to the problems they face and needed reforms to be undertaken to boost their coverage across the country. It is also frequently left out of discussions about the financial industry. The same thing happened during the recent policy shift introduced by the government. Initially, insurance executives hoped that their industry would be included in the recent policy approved by the Council of Ministers allowing foreigners to invest in the financial sector. However, once the truth was revealed, it became clear that the policy does not apply to insurance companies, which many industry insiders found disappointing. “It looks like we are being ignored again,” said Nigus Anteneh, chief executive officer of Nile Insurance, which has been in the industry for over two decades with a gross written premium of 700 million birr up until the end of last year. Though Ethiopia’s insurance industry is over half a century old, it is still in its infancy. After the introduction of the mixed economic system three decades ago by the defunct EPRDF-led government, over 16 insurance firms have joined the industry. The private insurance firms together managed to lower the market share of the dominant market player, the state-owned Ethiopian Insurance Corporation (EIC), to below 50 percent, an achievement made just last year. Last year, they accounted for nearly 57 percent of the 15.6 billion birr gross industry premium. But that is just a figure and it is insignificant how far insurers in neighboring Kenya have gone in this regard. Kenyan insurers make over USD two billion annually from the sale of insurance policies, five times more than what Ethiopian firms wrote in the same period. Insurance executives believe this is an outcome of a lack of skilled manpower, a shortage of capital, and a low level of technological progress. “I believe foreign expertise and more capital inflow could have helped the insurance industry show great progress,” Adefris Wesene, Chief Executive Officer of Lucy Insurance, said, urging authorities to liberalize the industry in exactly the same fashion as they did in the banking industry. The new policy approved by the Council of Ministers allows foreign banks to acquire up to a 40 percent stake in local banks, while the maximum amount of shares a multinational lender can buy is 10 percentage points less. Other modalities are opening a subsidiary, or a branch, if not, a representative office, a practice that was already permitted before the new policy came into force. Insurance companies want the same reform in the industry in which they operate. “We have already garnered experience working with foreign companies, as we closely work with foreign reinsurance companies, which also want to invest in local firms. So liberalizing the insurance industry would have brought a big turnaround in the sector,” Meseret Bezabih, a long-serving CEO of United Insurance and one of the industry leaders with a gross written premium of almost one billion birr up until the end of last year, said. Industry players also expect more portfolio diversification if foreign firms are allowed to join the industry. Currently, over a third of the industry’s premium is contributed by motor insurance, whose share skyrocketed after the government made it mandatory to acquire a third-person insurance policy. But this has exposed the industry to huge claims and prevented insurers from growing. With stiff competition to acquire customers, price is the main competition factor among insurers, a trend that executives of insurance firms hope to fade if the sector is open to foreign competition. “Lack of product differentiation is one of the reasons that has prevented the sector from growing. And that comes with more capital, which the foreign investors could bring if they are allowed to join,” Nigus explained. But he does not want the sector to be fully liberalized. “It should be gradual,” added Nigus, who fears local firms will be swallowed if it is going to be full liberalization. It is a sentiment shared by Getachew Beshahwured, a financial expert. “Local firms are not ready for foreign competition. An attempt to open up the sector would paralyze existing firms,” he said. Though authorities remained silent on why the insurance industry was excluded from the recent liberalization of the financial sector, it appears they want to make the industry ready for the eventual open-up. Last week, an amendment was made to the minimum capital requirement needed to establish an insurance firm. Based on the adjustment, half a billion birr in paid-up capital is required to secure a license for both general and life insurance lines of business, a big jump from the 75-million-birr minimum requirement that was applicable for over a decade. The same measure was taken a year ago in the banking industry. The paid-up capital requirement to open a bank was increased from half a billion birr to five billion birr, a reform made a year before the recent policy change in the sector. Time will tell whether the same change made in the insurance industry, even though it seems to prepare the firms for any kind of competition, is being made with the same goal as the banking sector, which is for the opening of the sector to multinationals.

https://www.thereporterethiopia.com/26784/

We are thrilled to announce that effective August 31, 2023, CMR Insurance has officially acquired Chatsworth Insurance Brokers and Davis & McLay Insurance Brokers. This strategic move marks a significant milestone in our commitment to enhancing our capabilities and expanding our reach. This merger brings together three highly compatible firms, combining decades of experience, expertise and a dedication to providing excellent customer service. With combined expertise and resources we are poised to deliver even greater value and a wider range of options to our valued clients. Our dedicated professionals will continue to work diligently to ensure seamless integration and a smooth transition for all current Chatsworth Insurance and Davis & McLay Insurance clients. As a part of this acquisition, Chatsworth Insurance and Davis & McLay Insurance will continue to operate while co-branding with CMR Insurance. Over time, there will be a gradual transition with Chatsworth Insurance and Davis & McLay Insurance eventually operating completely under the CMR Insurance brand. This partnership follows months of discussions and planning. Our organizations share the same principles and all parties bring unique skills to the table that will be mutually beneficial to all of our clients. Above all else, our strength lies in our shared commitment to the communities we live and do business in. What does this mean for you? For clients of Chatsworth Insurance and Davis & McLay Insurance you can rest assured it will be business as usual. Scott Grahlman, along with his knowledgeable staff will continue to operate Chatsworth Insurance/Davis & McLay Insurance and provide the same great service and advice to clients as they have been accustomed to. Through this strategic partnership there will also be new advantages for clients of Chatsworth Insurance/Davis & McLay Insurance including access to more insurance companies and products: https://www.cmrinsurance.com/companies-we-represent/ You can continue to contact the Chatsworth Insurance team directly at 519-372-1533 or at [email protected] or you may contact Davis & McLay Insurance at 519-793-3322 or at [email protected]. Alternatively, you can continue to visit Chatsworth Insurance/Davis & McLay Insurance in person at 1230 2nd Avenue East, Owen Sound, On, N4K 2J3 (open Monday to Friday 9:00am to 5:00pm). For clients of CMR Insurance, it will also continue to be business as usual. At CMR, we are keenly interested in building a truly independent insurance brokerage that is going to last well into the future and this partnership with Chatsworth Insurance allows us to expand our commitment to better serving a broader geographic area. As always, it is our goal to continually improve the customer experience and we believe that this partnership is a step in the right direction.

https://www.cmrinsurance.com/blog/cmr-insurance-acquires-chatsworth-insurance-brokers/

Siam Commercial Bank Bangkok Headquarters March 13 2016 Accident The recent tragic events at Siam Commercial Bank (SCB) headquarters in Bangkok, Thailand did not involve our company or our Stat-X products. Details of the incident remain under investigation by the Thai government. At this early stage, it is understood that a Pyrogen brand automatic condensed aerosol detection and suppression system experienced a false alarm event during the evening hours of March 13, 2016. SCB has reported that the Pyrogen system was being upgraded by a contractor, which may have triggered the false alarm inside a secured document room. There were as many as eight fatalities and several others were injured. Fireaway joins the international community in expressing our condolences to the families of the deceased. Stat-X, which is manufactured in the United States under rigorous quality control standards, utilizes patented technology and proprietary material blends. The efficacy, efficiency, and toxicity of Stat-X products are very different than that of Pyrogen. Since its formation in 2005, Fireaway has never received a report of adverse health outcome from the discharge of Stat-X. Importantly, Stat-X is the only Underwriters Laboratories listed condensed aerosol product on the market for use in normally occupied spaces. Stat-X is also listed on the Significant New Alternative Policy (SNAP) among “Substitutes for Total Flooding Agents” without any Environmental Protection Agency (EPA) use conditions. In fact, it is the only condensed powdered aerosol fire suppressant agent that is accepted by the EPA for use as a total flooding system for both unoccupied and normally occupied areas. This acceptance is based on EPA review and assessment of solid and gas components discharged from Stat-X aerosol units. Fireaway is also one of the few (if not only) aerosol fire suppressant manufacturers to conduct independent third-party live animal exposure testing to ensure the health and safety of its products. When properly designed and installed, the Stat-X system provides an innovative, cost-effective and ecological solution for rapid fire extinguishing and protection of high value enclosures. The Thai authorities are expected to conclude their investigation in the coming weeks. This tragic incident serves as an important reminder that proper product selection, design, and installation are critical to the protection of life and property in fire and non-fire events. Fireaway will continue to issue further information via this media as additional findings regarding the SCB Bangkok incident are available.

https://www.statx.com/siam-commercial-bank-bangkok-headquarters-march-13-2016-accident/

Board Member, Past Chair Grace Hanson is the former Chief Claims Officer at Hippo Insurance. Previously, she worked as the Group Claims Director/ Global Head of Claims at Hiscox, Ltd., and the Senior Vice President and Chief Claims Officer for Homesite Insurance which is a member of the American Family Insurance Group. Homesite is a national provider of Homeowner’s and Renter’s insurance and an innovator in online private label marketing and direct Internet sales. Ms. Hanson first joined Homesite as Claims and Litigation counsel after which she was promoted into the role of managing Homesite’s Claims Finance and nationwide Claim Operations. Prior to joining Homesite in 2009, Ms. Hanson served as the Senior Vice President and Global Chief Claims Officer for Allied World Insurance Company managing reinsurance, professional liability, director’s and officer’s, excess casualty, healthcare and commercial property exposures and litigation worldwide. Ms. Hanson has also been a Senior Vice President Claims with AIG where she managed AIG’s catastrophic claims operation in Bermuda. She has a BA cum laude from Newcomb College of Tulane University, a JD cum laude from Tulane University School of Law, a CPCU, and an MBA from Northeastern University. In 2015, she was named by Insurance Networking News as one of their “10 Women in Insurance Leadership” honorees. The award recognizes “women whose leadership and performance have redefined the insurance business and its application of technology.”

https://buildchange.org/about/board-of-directors/grace-hanson/

Introducing Botheven Machinery: Your Reliable China Manufacturer, Supplier, and Factory! Shenzhen Xinjiayuan Import & Export Co., Ltd. is proud to present Botheven Machinery, a leading manufacturer and supplier of premium quality industrial equipment. We are a trusted name in the market, known for our extensive range of innovative machinery catering to various industries. As a China-based manufacturer, we take pride in our state-of-the-art factory that ensures the highest standards of production. Our team of skilled professionals and technicians work meticulously to deliver top-notch products to our esteemed clients. Botheven Machinery offers a diverse range of equipment designed to meet the unique requirements of our customers. From cutting-edge machinery for construction, manufacturing, and engineering to precision equipment for medical and laboratory use, we have a comprehensive selection to cater to various industrial needs. We are committed to customer satisfaction and strive to provide products that are not only reliable but also highly efficient. With our stringent quality control measures, you can trust that our machinery will exceed your expectations. Whether you are a small business owner or a large corporation, Botheven Machinery is your go-to supplier for all your industrial equipment needs. Choose us for unparalleled quality, competitive pricing, and exceptional customer service. Experience the excellence of Botheven Machinery today!

https://www.boxing-machinery.com/botheven-machinery/

Roost® named inaugural member of Guidewire’s Insurtech Vanguards Program Program dedicated to connecting the most innovative companies in P&C Industry with Insurers. SUNNYVALE, Calif. – November 2, 2021 – Roost, the global leader in Property Telematics for P&C insurance carriers, today announced it has been recognized as one of five companies in Guidewire’s Insurtech Vanguards Program. The recently announced program aims to identify and highlight the top insurtech companies that are bringing novel solutions to the P&C industry and connect them with insurers. Roost’s Protection360 commercial offering and residential Security360 solution deliver peace of mind to policyholders and rich data to insurers with proactive early detection of water leak and freeze events, power outage notifications, as well as dispatch on smoke alarms sounding, and theft/burglary events. These solutions also help increase customer engagement through frequent interaction with the carrier’s custom branded app. “Guidewire’s experience with insurtechs, who are changing the way the P&C industry conducts business in today’s world, is significant. We have made it a priority to scout out, identify, and curate those insurtechs that are the most innovative in our industry and most relevant to our community,” said Laura Drabik, chief evangelist, Guidewire. “Roost and its Property Telematics solution are changing the way that carriers interact with their policyholders through their innovative claims prevention and mitigation services and we are looking forward to working closely with them through our InsurTech Vanguards Program.” “We are honored to be recognized by Guidewire for the work that Roost has done as an innovator in the industry,” said Roel Peeters, Roost CEO and Co-Founder. “Roost’s inclusion in the InsurTech Vanguards Program underscores the importance and value of the Roost solution and we are looking forward to working with Guidewire’s team to deepen existing and forge new relationships with carrier partners.” Roost is a technology company based in Sunnyvale, California that is focused on disrupting the traditional property insurance model through their “Property Telematics” suite of solutions providing peace-of-mind to property owners and rich data to insurers. Roost’s primary Go-to-market approach is through insurance companies deploying directly to their policyholders. The effect is a reduction in claim related losses (fire and water perils costing $25B/year in US) as well as driving policyholder engagement through a content rich, digital mobile app experience, impacting retention and customer acquisition. Roost is focused on changing the way property insurance models assess risk and pricing on a real-time basis. For more information, please visit www.getroost.com.

https://getroost.com/roost-named-inaugural-member-of-guidewires-insurtech-vanguards-program/

Innotec Security offers a broad array of cybersecurity services in the Spanish market, including threat simulation, cyber intelligence, infrastructure and application security, cyber risk assessment, detection, response and incident management and security consulting Accenture has snapped up Innotec Security, a Spain-based company that focuses on cybersecurity-as-a-service, cyber resilience and cyber risk management, in a move to expand its capabilities and footprint in Spain. The financial terms of the deal were not revealed. Established in 2002, Innotec Security was previously owned by the parent company Entelgy Group. The firm offers a broad array of cybersecurity services in the Spanish market. The services include threat simulation, cyber intelligence, infrastructure and application security, cyber risk assessment, detection, response and incident management and security consulting. Innotec Security’s customers comprise institutions operating in Spain across industries such as logistics, healthcare, financial services, energy, transportation and the public sector. Innotec Security CEO Félix Muñoz said: “Our strategy has always been to deliver exceptional cybersecurity services to our clients and to be one of the best companies to work for. “Accenture’s industry-focused approach to cyber defence and its company culture is a great fit for us. Becoming part of Accenture is an excellent opportunity for us to deliver even more value to our growing client base and we’re excited for the next steps on our journey together.” Through the acquisition of Innotec Security, Accenture aims to add 500 cybersecurity professionals to Accenture Security’s workforce of 20,000 professionals worldwide. Besides, the deal is expected to make Accenture Security one of the top managed security services (MSS) companies in Spain. According to Accenture, the transaction will also advance the company’s capability to offer clients the required cybersecurity skills and expertise. Accenture Security Spain and Portugal lead Agustín Muñoz-Grandes said: “We’re delighted to welcome Innotec Security’s talented team to Accenture Security as we build on our established market leadership in cybersecurity services. “With the acquisition of Innotec Security, we are materially expanding our presence in Spain and adding to our robust MSS capabilities and the in-demand cybersecurity skills we offer clients both locally and globally.” Accenture Security has made 19 acquisitions since 2015, including Symantec’s Cyber Security Services business, Sentor, Openminded, MNEMO Mexico, Morphus and Real Protect. In June this year, Accenture announced a $3bn investment in its data and artificial intelligence (AI) practice over three years to expedite the reinvention efforts of its clients.

https://www.ns-businesshub.com/technology/accenture-buys-spain-based-cybersecurity-firm-innotec-security/

Today, Bittrex, Inc., a leading U.S. based blockchain technology and cryptocurrency exchange, announced that the company obtained digital asset insurance for its’ cold storage system to secure named cryptocurrency assets. Bittrex worked closely with Marsh, the world’s leading insurance broker and risk adviser, in placing the coverage with Arch syndicate 2012, which provides casualty and specialty insurance for corporations and supported by various syndicates at Lloyd’s of London. Subject to the full terms, conditions and exclusions the policy will cover up to $300 million in assets in case of external theft and internal collusion. Recognized industry wide for the security and stability of their platform’s technology, Bittrex, Inc. was approved for the coverage after successfully demonstrating the exchange’s extensive internal security and compliance protocols. Underwriters were further impressed upon learning that a growing number of cryptocurrency exchanges around the world are also built on Bittrex, Inc’s best-in-class technology due to their trust in the platform. “Bittrex focuses on doing the right thing by our customers with security at the top of our mind. This insurance coverage provides another layer of peace of mind,” said Bill Shihara, CEO, Bittrex. “From our institutional customers to hobbyists, we are committed to prioritizing security throughout all of our decisions and forward looking blockchain technologies” “Insurance plays a critical role in the growth and development of any business, including those that work with blockchain technology and digital assets,” said Sarah Downey, co-leader of Marsh’s Digital Asset Risk Transfer (DART) team. “We worked closely with Bittrex to create a tailored insurance solution to fit their specific cryptocurrency needs. This is the latest example of how Marsh is helping to further advance this burgeoning industry.” Frequently asked questions Q: What does this cover? A: Security will always be a top priority in every decision we make. Bittrex employs the most reliable, effective security technologies available. This provides an additional layer of peace of mind and is for Bittrex to recoup the loss of funds in the case of an incident on Bittrex’s internal cold storage custody platform. Q: Does the $300 million coverage cap pertain to Bittrex as a whole or per individual? A: This insurance policy will cover up to $300 million in digital assets in case of external theft or internal collusion and applies to Bittrex as an entity. Q: What does this insurance protect against? A: This insurance protects Bittrex in the event there was a loss associated with our rigorous internal processes with respect to protecting the wallets in our cold storage environment.

https://bittrex.zendesk.com/hc/en-us/articles/360039326191-Bittrex-Inc-secures-300-million-in-digital-asset-insurance-to-enhance-protection

FORT LAUDERDALE—Kelley Kronenberg, a diverse, full-service business law firm, announced that David S. Henry has joined the firm’s Fort Lauderdale office as a Partner. Mr. Henry focuses his practice on complex insurance defense litigation. He has extensive experience in both third party insurance litigation and first party property insurance defense litigation. He has also handled commercial litigation matters. Mr. Henry has defended clients in a wide array of third party insurance and general liability claims. His experience in this area of law includes the defense of clients sued under theories of premises liability, negligent security, construction accident, construction defect, automobile and trucking litigation, product liability cases, toxic tort cases, medical malpractice, directors and officer’s liability, professional malpractice, class action lawsuits, and Fair Debt Collection Practices Act. In Mr. Henry’s first party property insurance defense litigation practice, he focuses on coverage and bad faith litigation. Mr. Henry assists property insurers throughout Florida in all aspects of coverage disputes, where many of the claims involve sinkhole, windstorm, fire, mold, theft, and water losses. Mr. Henry earned his Bachelor of Arts degree in Political Science from the University of Florida and his Juris Doctor degree from St. John’s University School of Law in Queens, New York. He is admitted to practice law in Florida, New York, the United States District Court for the Southern District of Florida as well as the United States District Courts for the Southern, Eastern, Western and Northern Districts of New York.

https://legallearningseries.com/david-s-henry-joins-kelley-kronenbergs-fort-lauderdale-office-partner/

G2 is a full service General Contractor servicing the North Texas region. They specialize in a broad scope of construction and repair services for both residential and commercial properties. From water mitigation to roofing, or building the home of your dreams, G2 can handle any job! G2 is a firefighter-owned company that has over 25 years of construction experience. They pride themselves on quality workmanship and customer service that is second to none. G2 also comes highly recommended as a preferred vendor from many insurance companies for their professionalism, quality, and customer service. They are Insurance Specialists with adjusters and resources available to handle any size of insurance claim. • Owned and Operated by Off-Duty Firemen • Fully Insured • Committed to Worker’s Safety • Insurance Claims Specialists • Only Quality Materials • Quality Craftsmanship • Free Estimates • BBB Accredited Member G2 General Contractors has earned a reputation for roofing excellence. By employing cutting-edge technology and providing an exceptional customer service experience, G2 has positioned their company as a leader within the industry. They realize that knowing how to build successful customer relationships is just as important as knowing how to install a quality roofing system. G2's dedication to customer satisfaction is the key to their success. Give G2 General Contractors a call today, and let them know you found them on The Good Contractors List! G2 General Contractors Please Give us your feedback Find Out How we can help you

https://www.thegoodcontractorslist.com/contractor/g2-general-contractors-roofing-75071?ZipLocation=&Page=Search&CategoryPrev=Parking+Lot+Cleaning&CategoryNameSeaNea=parking-lot-cleaning

WHITEHOUSE STATION, N.J., Aug. 21, 2019 /PRNewswire/ -- Chubb has introduced CoverPlus℠ – a new platform offering expanded liability-driven products tailored to the ever evolving risks faced by middle market manufacturers as they embrace new technologies and processes to remain competitive. CoverPlus℠ features a custom-tailored suite of coordinated insurance products designed to fill the potential gaps which are typically inherent in traditional insurance programs, and offers flexible and integrated enhancements to address an array of exposures, including scalable pollution liability, product withdrawal expense, errors and omissions liability, and cyber liability. According to research jointly developed with Ohio State University's National Center for the Middle Market (NCMM) and Chubb, nearly 50% of manufacturers view risks emanating from advanced manufacturing techniques as extremely challenging. In addition, 71% of manufacturers believe their role in the supply chain has become increasingly important and more collaborative with suppliers. Both of these trends suggest a more holistic approach to risk management is critical for manufacturers. "CoverPlus℠ is a dynamic platform designed to offer a wide range of specialized insurance products and services beyond traditional general liability insurance to proactively support businesses in the manufacturing sector as they face new exposures within a rapidly changing industry," said Ernie Salas, Senior Vice President, Commercial Insurance, Chubb North America. "Built on more than 50 years of experience and bolstered by insights gleaned from our research with the NCMM, Chubb provides innovative and thoughtful insurance solutions backed by our industry-leading capabilities in underwriting, claims and risk engineering." CoverPlus℠ was developed in response to evolving needs and emerging risks customers were facing due to common exclusions on general liability policies. The platform helps streamline the insurance buying process by delivering market-leading features, benefits and cutting-edge solutions through a single provider, which helps eliminate the need for producers and insureds to source coverage from multiple carriers and distribution channels. For more information, visit www.chubb.com/rediscovermanufacturing. Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs more than 30,000 people worldwide. Additional information can be found at: chubb.com.

https://news.chubb.com/2019-08-21-Chubb-Introduces-CoverPlus-Featuring-Expanded-Liability-Insurance-Solutions-for-Middle-Market-Manufacturers

Commercial Restoration Services When fire or water damage strikes your business, it can disrupt operations and result in lost revenue. At SERVPRO®, we understand the urgency and offer fast, reliable assistance to minimize downtime. Our commercial services include water damage restoration, fire damage restoration, mold remediation, and storm response. We have a dedicated Commercial Large Loss Division with highly skilled specialists strategically located throughout the United States. They are equipped to handle any scale of disaster, and each large loss project is overseen by a commercial operations manager to ensure efficient communication and timely mitigation. In addition, our Disaster Recovery Team is prepared for unpredictable events such as tornadoes, hurricanes, blizzards, and floods. With strategically positioned storm teams available 24/7, 365 days a year, we are ready to respond whenever and wherever disaster strikes. We understand the importance of minimizing business interruption and maximizing productivity. When emergencies happen, call (206) 282-9500 for prompt and professional assistance from SERVPRO. - Commercial Water Damage Restoration - Commercial Fire Damage Restoration - Commercial Mold Remediation - Commercial Storm and Major Events - Disaster Recovery Team No Job Is Too Large The SERVPRO Commercial Large Loss Division is composed of our best of the best in restoration. Our elite large-loss specialists are pre-qualified and strategically positioned throughout the United States to handle any size disaster. Every large loss is supervised by a commercial operations manager to help ensure seamless communication and timely mitigation. If your business suffers a major loss, call (206) 282-9500. The SERVPRO Disaster Recovery Team can provide help whether it’s a tornado, hurricane, blizzard or flood. The SERVPRO System has a network of strategically positioned storm teams on standby should a disaster strike near you. Available 24 hours a day and 365 days a year, we are prepared for the unpredictable.

https://servprocentralseattle.com/commercial-restoration-services

Member Spotlight: omni:us Sofie and Chris, what are both of your roles at omni:us? SQW: I am the Founder of omni:us. My role involves overseeing the overall strategy and direction of our organisation. CA: I am VP Sales for EMEA West with a primary focus of selling the omni:us Digital Claims Adjuster (DCA) proposition into the UK P&C market. I have worked in the global insurance industry for the last 19 years in varying leadership and sales roles. Sofie, why did you focus on AI tools when founding omni:us? SQW: Seven years ago I noticed several key opportunities within the insurance industry. Technology was rapidly advancing, and new tools such as AI and machine learning were becoming more accessible and sophisticated. I saw the opportunity for these tools to automate insurance processes. AI can also help to create more interesting and challenging roles within companies, which can help to retain current employees and attract new talent interested in working within technological innovation. Why did you decide to focus on the insurance claims process? SQW: There has been a growing demand for speed and transparency within the insurance industry, particularly within claims. I believed that omni:us could build a solution that offered a more streamlined and efficient experience for both policyholders and insurers. Through our solution, claims can be expedited and settled quickly, without unnecessary pain for all parties involved. CA: By automating the claims process, we help insurers to drastically cut processing costs – in some cases, by up to 35%. By removing manual, repetitive tasks, insurers can instead focus on providing the best possible service to their policyholders. Delivering speedier and more consistent claim outcomes improves customer satisfaction and increases the likelihood of retention at renewal. How can omni:us help insurers from FNOL through to claim settlement? SQW: The omni:us Digital Claims Adjuster (DCA) solution provides an end-to-end claims process which can be integrated within legacy applications and existing insurance core systems. The solution includes integrated reference claims processes for Property & Casualty (P&C), as well as a pre-trained AI claims decisions catalogue. This helps to automate workflows and provide insurers with next-best-action recommendations and alert adjusters if human attention is required. DCA also comes with standardised connectors to core platforms such as Guidewire and Sapiens, as well as legacy applications that provide access to the master data (such as policies, products, limits and deductibles). This master data gives insight into the applicable terms and conditions allowing for the automation of claims handling. What lines of business does omni:us focus on? CA: Our sweet spot is personal P&C lines for high frequency, low to medium severity claims; the higher the claim volume, the higher the claims cost and hence the need for automation. What partners do you work with? SQW: omni:us has a diverse and extensive consulting and integration partner network. It includes some of the most well-known players in the industry such as Deloitte, EY, KPMG, Capgemini, PwC, Sollers and IBM. Others include Sapiens, Guidewire, SAP, Microsoft and AWS. Why has omni:us joined InsTech as a corporate member? CA: Being an InsTech corporate member allows omni:us to connect with insurers, entrepreneurs and industry experts to learn from their experience. This helps us to better understand the latest trends, challenges and opportunities in the UK insurance market and to be better equipped to navigate them. We also look forward to participating in the community’s events and meetups. This will help us build relationships and stay engaged with the industry and its developments. What companies is omni:us looking to connect with? CA: We want to connect with UK insurers in the P&C space who are looking for a partner to automate their claims process. omni:us is already in live production with leading insurers in Europe, but would like to expand further into the UK.

https://www.instech.co/knowledge-centre/omnius-automating-the-claims-process/

general liability can help you pay for: professional liability can help you pay for: commercial property can help you pay for: Running a small business is a 24/7 job. That’s why NEXT makes it quick and painless to get the right coverage that’s customized exactly to your needs. A daycare business in Michigan has unique needs and we tailor our policy based on: It usually costs about $18 each month for business insurance for daycare business in Michigan.† When you can save up to 25% in discounts on business insurance, you can afford to invest in growing your small business. We’re here to make sure you always have the right amount and kind of coverage. With business insurance from NEXT, you’ll have the protection you need to get your daycare business to the next level. Insurance can help you in many ways: Here are some of the most common questions we get about daycare business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone. If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details. If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?” If you cannot access your online account and require help from our support team, please visit our online help center.

https://www.nextinsurance.com/business/daycare-insurance/michigan/

Meet the Experts We strive to be your most trusted partner in pursuing the right insurance. expertinsurancereviews.com’s expert team focuses on ensuring our content and services uphold the highest standards of integrity. Our dedicated team also manages our extensive writing network, which ensures that the information you receive is accurate, evidence based, current, and trustworthy. A team of car insurance experts reviews our content, ensuring that existing and new content is accurate so you can make the best decisions about your car insurance. We strive to be your most trusted partner in pursuing the right car insurance. Eric Stauffer, Founder & Former Insurance Agent Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. In addition to founding Expert Insurance Reviews, Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial education platform focused on helping individuals and families learn proper money management. Eric holds accidental, health, life, casualty, and property insurance licenses in the state of California. Steve Crowell, Mortgage Loan Originator Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent. Steve works as a trusted resource for clients who are looking into buying or refinancing a home. He ensures that his clients are educated throughout the loan process and loves applying his knowledge and wealth of experience to unique situations. Not only does he help his customers get the best mortgage products for their needs, but he also provides them with a fun, informative, and effortless experience. William Lemmon, Principal Broker William Lemmon has been a licensed insurance agent for over 12 years. He is the principal broker and owner of Broadway Insurance Services in Los Angeles, CA. He works one-on-one with clients to create personalized plans that minimize risk and maximize savings. Being one of the foremost authorities on Airbnb and home-sharing property insurance, Lemmon offers his clients first-hand guidance on how to avoid insurance pitfalls. His agency has provided coverage for thousands of property owners throughout CA, OH, NC, and FL. Specializing in hotels, lodging, vacation rentals, home-sharing, and short-term rental properties, Broadway Insurance Services has been a top-rated provider on Yelp, Google, and BBB for over five years. Find Lemmon and his agency featured on Shoutout LA, Axos Bank, and Yahoo. Heidi Mertlich, Licensed Insurance Agent Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need families have to keep their families financially safe, regardless of what life brings. Her goal is to make the process of obtaining life insurance as simple as possible and provide insurance consumers the peace of mind they deserve. Tracey L. Wells, Licensed Insurance Agent & Agency Owner Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, business, and pet insurance. Tracey specializes in commercial, rideshare, worker’s compensation, and liability insurance. A proud United States Navy veteran, Tracey had the opportunity to protect our Nation’s freedoms while traveling to over 25 countries. Tim Bain, Licensed Insurance Agent Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. Chris Abrams, Licensed Insurance Agent Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tirelessly with clients nationwide to help them navigate the insurance and financial world. His mission is to help people and businesses have the protection they need at the lowest possible price. Schimri Yoyo, Licensed Agent & Financial Advisor Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in achieving their own financial success stories. He has been featured in several publications, including Sophisticated Investor, RocketHQ, DivorceMag, Exercise.com, and Insurance.com. Jeffrey Manola, Licensed Insurance Agent Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with the best prices for life insurance coverage, but he also wants those on the market for insurance to be well-informed about the different types of life insurance options that are available. His goal is to provide readers with all the information necessary to make a confident insurance investment. Ty Stewart, Licensed Insurance Agent Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simple. When he bought his first insurance policy, he saw the need to bring more information about the process to others. His mission is to get his clients the lowest rates on insurance to protect their families. Kristen Gryglik, Licensed Insurance Agent Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire, Maine, and Florida, Kristen has over 15 years of experience working in the insurance industry. She currently works for Liberty Mutual as a Resident Sales Representative providing auto, home, and life insurance policies and counseling in personal finance and retirement planning. Zach Fagiano, Licensed Insurance Broker Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing global risk management consulting. Zach is a subject matter expert and has spent much of his career focused on catastrophic modeling, captive management, and strategic risk management for large public and private investment companies, hedge funds, and risk management for a publicly traded large retailer. When not working in risk and insurance, Zach can be found restoring classic cars and running in endurance races. Jeff Root, Licensed Insurance Agent Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading finance websites. Licensed in all 50 states and D.C., Jeff is a life insurance agent who has helped over 3,000 people secure life insurance policies to protect their legacy. Jeff is the author of The Digital Life Insurance Agent and a host of the podcast Modern Life Insurance Selling Podcast, where he trains other life insurance agents. Jeff has qualified for MDRT (Million Dollar Round Table) every year since 2009, putting him in the top 1% of financial professionals in the nation. Michelle Robbins, Licensed Insurance Agent Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families and individuals to secure their estates with life insurance protection. Most notably, throughout her career, she has assisted many individuals in difficult times of need as a family service counselor with several funeral homes, mortuaries, and memorial parks in California. This experience resulted in a natural progression into health and disability insurances. Today, Agent Robbins licensing extends across many states from the west to east coast. She is licensed in life, health, disability and property & casualty insurances. Scott W. Johnson, Licensed Insurance Agent Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his clients along the mountains, coast, and flood plains of California. He enjoys working with start-ups and conducting small business risk analysis. He sells all lines of coverage including property, life, health, casualty, earthquake, and flood insurance. Dani Best, Licensed Insurance Producer Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualty. Dani has worked for two State Farm agencies and was the top life insurance producer in both offices. Dani has extensive experience with life, home and auto insurance, disability policies, and how individual insurance coverages work. She is also trained in financial services provided by State Farm, such as cash back rewards and credit cards, checking and savings accounts, and home and auto loans. She applies her drive to help others to her approach with insurance, using her expertise to make difficult topics and situations less complex and stressful. Brad Larson, Licensed Insurance Agent Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casualty license. Brad started out as a claims adjuster for a national carrier and has since switched to the agency side of the insurance business. He is an experienced Director of Operations skilled in negotiation, employment practices, liability, and fraud detection. Brad is licensed in all P&C lines. Brandon Frady, Licensed Insurance Agent Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats his customers. Auto and property insurance are often legally required products, so no one is excited to purchase them. This is why Brandon’s approach to selling insurance is fully customer-centric. His goal is to provide the highest quality insurance customers can confidently purchase and then leave to work its magic protecting their investments. Brandon avoids cold calling and pressuring customers to purchase. Instead, he relies on referrals, insurance education, and exceptional customer service. Justin Wright, Licensed Insurance Agent Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an independent broker. Since going independent, Justin has extended his licensing across several states along the East Coast to Midwest. He currently specializes in life insurance, annuities, and health insurance, including Long Term Care insurance. He still maintains his Property & Casualty license as well. Brett Surbey, Corporate Paralegal Brett Surbey is a corporate paralegal specializing in tax reorganizations and the creation of corporations so they can successfully navigate all aspects of their business and mitigate risks where necessary. He has assisted lawyers on a number of enigmatic transactions, including M&As, complex corporate succession plans, and amalgamations. In addition to his legal career, he is a known expert published for his work on topics surrounding insurance, mortgages, and business. His professional writing has appeared in publications such as Forbes Advisor, U.S. News & World Report, Industry West Magazine, Publishers Weekly, and various academic journals. Travis Thompson, Licensed Insurance Agent Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critical illness, or disability. In 2021, Travis began working as an independent broker. Since going independent, Travis has extended his licensing across several states along the East Coast to the Midwest. Travis also has access to over 10 top-rated life insurance carriers in the U.S. that can offer clients the best coverage possible. He currently specializes in mortgage protection, life insurance, critical illness, and disability coverage. Michael Vereecke, Commercial Lines Coverage Specialist Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market, differences in coverage forms, and the best training available. Michael is a member of the Macomb Family Services Board, the Anchor Bay Chamber, and MIPIA (Michigan Association of Professional Insurance Agents). Daniel Walker, Licensed Insurance Agent Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accurate and up-to-date, Daniel reviews and fact-checks hundreds of insurance articles each month. He is passionate about helping consumers make the best decisions when choosing their insurance coverage. His mission is to guarantee the information you receive on our site regarding insurance rates and policy advice is accurate, evidence-based, current, and trustworthy. Laura Berry, Former Licensed Insurance Producer Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax credit, she still takes time to provide guidance on insurance. It is her belief that current insurance shoppers should have access to accurate information so they can find the appropriate insurance product for their needs. Michael Leotta, Insurance Operations Specialist Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automation & Procedures Specialist, and Process Analyst. His primary areas of expertise are in complex insurance claim handling with a litigation focus, claims training, jurisdictional guidelines, process improvement, and data analytics. Michael has developed a keen understanding of the insurance industry, and well-rounded general business proficiency. Kalyn Johnson, Insurance Claims Support & Sr. Adjuster Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another passion, writing. As an insurance writer and researcher, she specializes in real estate, healthcare, finance, and all lines of insurance. When Kalyn isn’t writing, she enjoys spending time with her husband and their four children. Benjamin Carr, Former State Farm Insurance Agent Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times of crisis. All insurance consumers should be informed and should understand how individual policies can protect them, their families, their possessions, and their homes. That mission serves him in his work to this day. Jeffrey Johnson, Insurance Lawyer Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites such as Legal Advice, The Manifest, and Vice. He is the author of a novel and several scripts that were adapted into short films. Melissa Morris, Professor of Nutrition & Kinesiology Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. Ashley Dannelly, English Professor & Certified Personal Trainer Ashley Dannelly has a Master of Arts in English and teaches English at Columbia International University and other higher education institutions. She is also a certified personal trainer with the American Council on Exercise and trains clients in both individual and group settings. Ashley’s background in English and fitness has allowed her the opportunity to write and create content for many different publications, such as Shout! Outdoor Lifestyle Magazine, The Greenville News, NewSpring Church Media, and more. If she isn’t teaching English or training clients, you can find Ashley writing, lifting weights, or playing with her kids. Angie Watts, Licensed Real Estate Agent Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studied and written on topics including market conditions, mortgage trends, first-time home purchases, and buying new construction. In addition to real estate, Angie has a strong background in both insurance and finance. She studied Business Marketing at Waukesha County Technical College and draws upon 20 years of sales and marketing experience in all facets of her professional career. D. Gilson, PhD, Professor & Published Author D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seven Kitchens. His second chapbook, Brit Lit, a series of poems on Saint Britney Spears, is available from Sibling Rivalry Press. D. is the editor of Lunch and lives in the Missouri Ozarks. Diego Anderson, Licensed Real Estate Agent Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also runs a successful Visual Design business. This helps him implement popular, modern aesthetics into his listings. Utilizing both of these talents has allowed him to not only beautify his own design materials but also provide templates and training for his peers. His graphic design work and insurance and real estate advice have been featured on many sites. Laura D. Adams, Insurance & Finance Analyst Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She received an MBA from the University of Florida and lives in Vero Beach, Florida. As a professional accountant and financial analyst for several companies, Laura is a trusted source on various finance topics for TV, radio, online articles, and print publications. She’s been featured on major news outlets, including FOX Business, AP News, Apartment Therapy, Go Banking Rates. Sara Routhier, Sr. Director of Content Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance. Her work has been featured on: CBS, Denver Post, DriversEd, ESPN, Finance101, Finder, FOX5, Legal Advice, MSN, PrettyMotors, SeattleTimes, StarTribune, USA Today, WalletHub, Yahoo Finance, and the Zebra. Laura Kuhl, Insurance Content Team Lead Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the legal and insurance industries. For the past five years, Laura has worked with insurance industry professionals across multiple markets, including business, auto, and life insurance, to create content that is accessible to everyone. She believes insurance does not need to be complicated and continues to create content that is straightforward, unpretentious, and jargon-free. Leslie Kasperowicz, Farmers CSR for 4 Years Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance niche. Leslie has been quoted in publications that include Reader’s Digest, Fox Business, and the Washington Post. Melanie Musson, Published Insurance Expert Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustainability, automation technology, and vehicle safety. Daniel S. Young, Insurance Content Team Lead Daniel S. Young is a journalist based in Birmingham, Alabama. He began his professional career in 2018 as a writer, editor, and later chief editor for his student newspaper, The Chanticleer, at Jacksonville State University. He also has written bylines for The Anniston Star, a local newspaper in Anniston, Alabama. He holds a BA in Communication with a focus in Digital Journalism and is pursuing an MA in Journalism & Media Studies. Since February 2022, Daniel has written and edited hundreds of articles related to the insurance industry, including auto, home, life, renters, and business insurance. He is committed to writing easy-to-read, expert content that isn’t bogged down with confusing insurance terminology. Alexandra Arcand, Insurance and Finance Writer Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, and all lines of insurance. Alex enjoys researching and learning new things each day in the ever-changing industries of insurance and finance. Her advice has been published on several impressive sites including Best Colleges, Authority Magazine, and RentCafe. Maria Hanson, Insurance and Finance Writer Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability. Maria has expanded her scope of expertise to home, health, and life insurance. She consults on home maintenance, property improvement, and health care. In her spare time, she travels, camps, gardens, and volunteers in her community. Luke Williams, Insurance and Finance Writer Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project, FangWallet, and Global Banking and Finance. In his free time, he builds interior and exterior home decor, including awnings, doors, tables, chairs, and more, and especially enjoys cooking. Tonya Sisler, Insurance Content Team Lead Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers’ top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywriters and works closely with them on industry research and content creation. Tonya has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for over 15 years in management roles. Deborah Goldberg, Insurance and Finance Writer Deborah Goldberg is an insurance, finance, and homesteading expert who writes for Expert Insurance Reviews, Land Broker MLS, and other online publications. She has experience as an editor and offsite marketing specialist with Boostability. Specializing in online SEO and tech, she has been quoted in Pilotcore. She also researches and advocates on disability and accessibility topics. When not editing, she is creating art and writing. Rachel Bodine, Insurance Feature Writer Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, AllWomensTalk, and AutoGespot. Shawn Laib, Insurance and Finance Writer Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJUMP, FanFare, Den of Geek, and Amplihigher. Many industry leaders have quoted Shawn on topics surrounding finance, business, human resources, real estate, and automobiles including Bloomberg, Lifewire, and Yahoo. Laura Gunn, Insurance and Finance Writer Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her writing skills and scope of knowledge. She is able to tackle some of these intricacies and relay important information to others who need to make real-life everyday decisions. Her expertise has been featured in many publications including News Hunt 360, HOLR Magazine, and IH Services Inc. Dorothea Hudson, Insurance and Finance Writer Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, technology, coding, and crypto. She enjoys educating her readers on insurance and providing practical financial advice. Dorothea graduated magna cum laude from the College of Charleston with a B.A. in English. She also was a student abroad at Cambridge University, studying English and creative writing. Chris Tepedino, Insurance Feature Writer Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. Merriya Valleri, Insurance and Finance Writer Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to keep up with the current, ever-chaning market. Merriya has a Bachelor’s Degree in Writing, using her skills to promote educational experiences for her readers.

https://www.expertinsurancereviews.com/meet-the-experts/

Charlene Lawrence | Transparency as a capstone of the insurance industry At its most fundamental level, the building blocks of the insurance industry are relationships. The long-term success of these partnerships – whether between the insurer and its intermediaries, or brokers and their clients – depends wholly on the principle of trust. For this reason, transparency is one of the most important pillars of the industry. Regardless of how the sector responds to market trends and evolves with the times, transparency will always be one of the cornerstones of how insurance products are developed and sold. Transparency is not only an ethical obligation, but a central part of an insurer’s mandate, as regulated by the Treating Customers Fairly (TFC) policy as set out by the Financial Sector Conduct Authority (FSCA). Regulated entities are expected to demonstrate their compliance with six key outcomes that govern customer service through the entire product life cycle. From product design and promotion, into the advisory and client service processes, and finally through to complaints and claims handling, insurers and their brokers have a fiduciary duty to provide clients with clearly communicated information. Not only does abiding by the TFC outcomes protect the interests of end users, but it also protects the integrity of brokers and provides a foundation on which to build successful client relationships. An important part of this commitment involves disclosing commission structures and outsourcing fees upfront and within policy documentation. Providing this information from the onset goes a long way in providing clients with the assurance that their brokers have a vested interest in ensuring that their own roles and responsibilities are adequately fulfilled. Insurance policies are often complex and contain technical jargon that can be challenging for the average consumer to decipher. From the perspective of insurers, therefore, transparent practices can bridge this gap by simplifying policy language, providing clear explanations, and offering easy access to relevant information. By making insurance products and processes more understandable and accessible, insurers empower consumers to make well-informed choices and reduce the risk of misunderstandings or disputes being escalated to the ombudsman. In the long-term, maintaining this level of trust is a vital contributing factor to customer loyalty, repeat business, and positive word-of-mouth referrals. Transparency also acts as a catalyst for accountability and ethical behavior within the insurance industry. When insurers commit to transparency, they are more likely to be held accountable by their stakeholders, including customers, shareholders, and regulators. This fosters a culture of integrity, which ultimately benefits both the industry and the customers it serves. The challenge, for those involved with the sales process, is to find ways to strike the delicate balance between time spent selling insurance products and providing the most efficient level of service. Being able to strike this balance requires much discernment in terms of the needs of individual clients, how to engage them on the available options and how to provide them with all the information they need. Understanding how to steer these conversations takes practice and is perfected with experience. But, when transparency at all levels is prioritised and upheld, clients are ultimately empowered to view their insurance products as crucial safeguards against risk, rather than grudge purchases. On this front, broker support can provide the much-needed after-sales service that clients need to feel heard and valued. While much has been done over the last decade to simplify complex jargon and make policy more understandable to new entrants to the industry, brokers still need to intervene when clients need technical explanations and advice. Taking clients through their policy documents as a first port of call, can provide the grounds for building a relationship that could potentially last a lifetime and even extend to the next generation. *Charlene Lawrence is Head: Brokers and Outsourced Partners, MiWay Insurance.

https://insurancebiz.co.za/charlene-lawrence-transparency-as-a-capstone-of-the-insurance-industry.html

Verisk is expanding its OneXperience InsurTech property inspection product into commercial insurance. Beyontec has updated one of its signature software products designed to help MGAs transition quickly to digital backend processes. Verisk is expanding its OneXperience InsurTech product into commercial insurance. The platform was initially launched in 2019 for home inspections. Verisk explained that OneXperience can now be used to help insurers conduct real-time digital/virtual surveys of commercial buildings, obtain critical insights and share photos, forms and documents with all stakeholders. Verisk is a data analytics and risk modeling firm. This expansion allows agents and businesses to work with insurers by sharing video surveys of commercial properties in real time, helping insurers and their customers accelerate the underwriting process, Verisk said. With OneXperience, insurers can direct the survey to reveal granular details on potential risks and eliminate the gaps between actual conditions at the property and the coverage being provided. Insurers can also use OneXperience to request that Verisk review data submitted through the platform and provide analysis. The platform can be used by agents and insureds at multiple points of engagement from quote to renewal, Verisk said. Beyontec, an insurance technology company, said it now offers a tailor-made cloud-based version of its Beyontec Suite product to help MGAs transition faster to digital processes with minimal changes to existing processes. Beyontec is marketing this for non-standard auto managing general agents. The company said this updated version is designed to help speed up the digital conversation process with minimal upfront investment. Beyontec said this product will work with most non-standard auto process needs. Beyontec, based in Texas, sells software and related services to insurers, focused on backend functions including sales, claims, billing and loss ratio. The software incorporates advances such as AI and Bots in order to ease the transitional process to digital. Source: Verisk, Beyontec

https://www.carriermanagement.com/news/2020/03/05/204066.htm

New Delhi, Earthquake tremors were felt late in the night in Andaman and Nicobar Islands of India. The epicenter of this earthquake was about 10 km below the ground. Earthquake tremors were felt late at night at around 2.29 minutes. The magnitude of the earthquake has been measured at 4.3 on the Richter scale. This information has been released by the National Center for Seismology. There is no news of loss of life due to this earthquake. Let us tell you that earthquake shocks were felt in the Himalayan areas of India just a day before this. Earlier, earthquake tremors were also felt in some areas of Uttarakhand. These tremors were especially felt in the Himalayan regions. According to the information received, the epicenter of the earthquake was in the neighboring country of Nepal. At least 6 people have died in Nepal due to this earthquake. There were also reports of damage to infrastructure in several buildings and social places. As of now, there is no information about any damage due to this earthquake in India. Earlier, two earthquake shocks were felt in Uttarakhand within a few hours. Because of which people left the house in fear. Due to the strong shock of the earthquake that struck at 1.57 minutes late on Tuesday night, people suddenly woke up from their deep sleep and rushed out of their houses fearing an untoward incident. According to the National Center for Seismology, the earthquake had a magnitude of 6.3 and was centered in Nepal. The people were still not able to recover from this shock when the next day at 6.27 am the people were once again shaken by the shock of the earthquake. According to the Center for Seismology, the epicenter of the earthquake this time was Pithoragarh in Uttarakhand on the India-Nepal border, measuring 4.3 on the Richter scale. At present there are no reports of casualties or damage to property due to the earthquake in the state.SS1MS

https://birminghamtimes.uk/2022/11/10/earthquake-aftershocks-in-andaman-and-nicobar-islands/

Founding partner of Spiros Law, P.C., Jim Spiros, recently spoke with the DJ’s on WFAV, WIVR, and WVLI to discuss how our attorneys are still able to represent clients during this time of shelter in place. Jim reiterated how our staff has been able to transition daily operations to remote, home environments by utilizing the technology we have available. He confirmed that our staff has been using electronic communication to keep our representation of clients the same by conducting business over the phone or through online video chats. Ultimately, Jim wanted to remind listeners that we are conducting business as usual with all current or new clients without being able to meet face-to-face in an office setting. Apart from this, Jim discussed the rights of businesses that were forced to close or scale back their operations due to the COVID-19 pandemic. Most businesses have insurance policies, but something that is often overlooked is whether they include business interruption coverage. Jim explained that business interruption coverage is intended to allow a business to return to normal operations after a disaster has occurred. What this means is that if a business is interrupted from a disaster, such as a flood or fire, the insurance company will pay for losses suffered during the interruption. However, the current coronavirus pandemic can also be classified as a disaster that forced a business’ daily operations to be interrupted. Jim informed radio listeners that every business owner should pull their insurance policy and have it reviewed by a qualified attorney to see if there is business interruption coverage included in the policy. If there is a business interruption provision, an attorney can assist a business owner with putting their insurance company on notice in a timely manner. Additionally, if a business owner does not put their insurance company on notice in a timely manner, the insurance company may say that you failed to put them on notice properly and that they lost their chances to investigate the claim. The most important thing for business owners is to speak with an attorney about the insurance policy and put the insurance company on notice because they will try to deny the claim right off the bat. It is imperative to have an attorney, such as the ones at Spiros Law, interpret the insurance policy and make proper notice to the insurance company in order to take their defense away from them to ensure that the policy can be implemented. Most business owners working with Spiros in reviewing their insurance policies have been obtaining their policy from their agent, emailing it to one of our attorneys, and then scheduling a phone call or video chat to review the policy and decide what steps should be taken next. Jim told listeners that our firm has been reviewing a lot of business insurance policies right now to determine if there is business interruption coverage. While some policies have what is called a “virus exclusion,” which means that there is no coverage during a virus or bacteria event, many do not have that exclusion. However, even without the “virus exclusion” included in insurance policies, many insurance companies are still denying business interruption coverage claims that should qualify for coverage. To end the radio interview, Jim reminded listeners that one of our attorneys can review a business owner’s insurance policy for free of cost. If one of our attorneys decides to take the case, we work on a contingency fee basis, which means that a payment is only owed if we are successful in recovering compensation for the business owner. To have one of our attorneys review your business insurance policy, contact our office today at 815-929-9292, email us, or chat with us online at our website. You can listen to the full interview here:

https://www.spiroslaw.com/jim-spiros-discusses-business-interruption-insurance-claims-live-on-air/

Survey finds Canadians 71 per cent more likely to choose a business which offers a service guarantee Intact Insurance, Canada’s largest provider of home, auto and business insurance has launched a new national television and online campaign geared to consumers, promoting its 30 Minute Claims Service Guarantee. The campaign delivers on the trend that sees Canadians prioritize responsive customer service from their insurer and highlights the Intact Insurance employees that deliver that every day. “We believe it’s powerful to show our promise in action, so that’s exactly what we are showcasing through these commercials. At Intact Insurance, our promise to customers is to get them back on track quickly when an accident or unforeseen event occurs,” said Monika Federau, SVP & Chief Strategy Officer. Along with being more likely to choose a business that offers a service guarantee, a recent Angus Reid survey found that 98 per cent of respondents stated that responsiveness of the service representative was important in making a positive customer experience memorable. This further confirmed Intact Insurance’s belief that service guarantees do make a difference in consumers’ purchasing decisions. Furthermore, 79 per cent of respondents indicated that quality products/services impact their purchasing decisions, with the next two most important attributes being helpful staff (56 per cent) and convenient hours (42 per cent). “We believe unequivocally that Canadians are looking for action from their insurer and with that, our message to customers is simple. Intact Insurance will quickly get them back on track when the unexpected happens. It’s a commitment made possible by our greatest strength – our nation-wide network of responsive, empathetic claims staff,” said Ms. Federau. Intact’s claims department is made up of more than 3,000 dedicated employees, 1,000 of whom work in one of our fifteen claims centre locations across Canada. “Our guarantee is that within 30 minutes of answering a call, we’ll start the claims process and arrange emergency support if required so customers can feel relieved that the situation is being taken care of. And we could never have made these commercials and that commitment without total confidence in our people.” In the commercials, actors call in to Intact Insurance Claims Centres and speak to a professional about an unfortunate incident. While the situations are dramatizations, the responding employees believe they are speaking to real customers who need their assistance.” The new commercials depict the claims reporting experience offered by Intact Insurance. They showcase its excellent customer service and reinforce what makes Intact Insurance different and why consumers should choose Intact for their home and auto insurance needs. For more details see www.intact.ca. About Intact Insurance Intact Insurance is Canada's largest home, auto and business insurance company, the choice of more than four million consumers. Its coast-to-coast presence and its strong relationship with insurance brokers mean the company can provide the outstanding service, comfort and continuity customers deserve. Intact Insurance (www.intact.ca) is a member company of Intact Financial Corporation (TSX: IFC), the largest provider of property and casualty insurance in Canada. (www.intactfc.com) About the Angus Reid poll From March 19 to March 20, 2014 an online survey was conducted among 1,510 randomly selected Canadian adults age 18+ who are Angus Reid Forum panelists. The margin of error, which measures sampling variability, is +/- 2.5%, 19 times out of 20. The results have been statistically weighted according to education, age, gender and region. Census data was used to ensure a sample representative of the entire adult population of Canada. Vice President, Corporate Communications 1 (416) 217-7206 Vice President, Investor Relations 1 (416) 344-8004 Return to all Press Releases Intact Insurance launches new national advertising campaign: Our 30 Minute Claims Service Guarantee in action March 26, 2014

https://www.intactfc.com/press-releases/1/intact-insurance-launches-new-national-advertising-campaign-our-30-minute-claims-service-guarantee-in-action

Commercial Painting in Porter Ranch, California Safeguard and elevate the value of your property investment by enlisting a skilled commercial painter located in Porter Ranch to undertake your upcoming painting endeavor. With a legacy dating back to 1999, M & M Developers Inc. has been dedicated to catering to the commercial painting requirements of enterprises in Porter Ranch, California. Throughout our journey, we have successfully adorned various spaces including offices, retail establishments, eateries, and other commercial premises. Reach out today to receive a complimentary estimate for your project. Call for a FREE Quote Professionally Trained Commercial Painters in Porter Ranch, California M & M Developers Inc.'s Porter Ranch commercial painters have the experience and skills necessary to complete the most challenging commercial painting projects. They will leave your grounds as they found them, and conduct themselves in a professional and polite manner. What's more, when it comes to cost-effective quality commercial painting in Porter Ranch, M & M Developers Inc. is the commercial painting contractor businesses trust. Affordable Porter Ranch Commercial Painting Prices M & M Developers Inc.'s commercial painting prices in Porter Ranch are always competitive. We promise not just quality but also value to our customers. Businesses consistently turn to M & M Developers Inc. for affordable commercial painting that is priced just right. Our skilled Porter Ranch commercial painters provide top quality results at a competitive cost. Call (310) 504-2170 today for a free quote on your next commercial painting project. Call for FREE Commercial Painting Quote WHAT CUSTOMERS ARE SAYING: ★★★★★ - "I can't recommend these guys highly enough. Chico and George water-proofed our deck, sealed and painted some windows that were leaking, painted our garage and did maintenance on the doors, even took care of some handyman tasks. Every job was done competently and promptly and at a fair price. What more can you ask?" Jeff Martin in Pacific Palisades, CA2018-09-24

https://all-city-painting-ca.com/Commercial-Painting_Porter-Ranch_CA.htm

Logo Use Policy Please follow these guidelines when using Mojo 5-0 Radio logos Our Mojo 5-0 Radio logos are available for use in marketing or other publicity materials for the benefit of Mojo 5-0 Radio and Cuddle Me Buff, LLC, subject to the terms of the Logo Usage Policy in the U.S. and Canada only (the “Usage Policy”). Permission is granted to you to use the logos only on the conditions set forth in the Usage Policy. The logos are the sole and exclusive property of Cuddle Me Buff, LLC and its affiliates. Your use of any logo implies acceptance of, and agreement with, the terms of the Usage Policy. If you do not accept and agree to follow the rules for using the logos as set out in the Usage Policy, you do not have the right to use the logos and should not use them. Any use of the logos that does not comply with the Usage Policy is not authorized. If you violate the rules set out in the Usage Policy, you must cease all use of all logos, regardless of the uses otherwise allowed in the Usage Policy. In addition, Cuddle Me Buff, LLC reserves the right to revoke its approval of your use of the logos at any time.

https://www.mojo50.com/logo-use-policy

Zensung announced a partnership with insurance firms ERGO and Munich Re to launch green insurance policy ‘Parrot Safe Driver’. Using an Artificial Intelligence (AI) based proprietary platform, delivered through Zensung’s ‘Parrot’ mobile app, they said that this policy makes buying and monitoring car insurance simpler, greener and fairer. Through the app, users can purchase a policy, make a claim, and receive safe driving rebates using their smartphone. The Parrot app also allows policyholders to monitor their trips and compensate for the CO2 emissions caused. It uses the globally recognised Greenhouse Gas Protocol (GHG) to calculate emissions. In addition, Parrot offers its policyholders the choice to become CO2-neutral by buying carbon credits straight from the app. Zensung said that it takes a “holistic view of its environmental stewardship, and firmly believes that improving driving behaviour, coupled with an awareness of one’s carbon footprint, will go a long way towards reducing fuel consumption and carbon emissions”. Parrot’s scientific reward mechanism for safe driving aims to enable a permanent and positive change in its user’s driving habits, contributing towards reducing the number of accidents and making roads safer for the entire community

https://www.worldfinanceinforms.com/news/insurtech-zensung-partners-ergo-and-munich-re-to-roll-out-its-green-insurance-policy/

The Nathan Agencies began in 1969 when Ron Nathan founded what was called The Nathan Agency. The agency initially worked primarily with life insurance and investment products and in 1978 it moved to its current location on Gatehouse Road in Amherst. The following year Ron Nathan purchased the Amherst Insurance and Real Estate Agencies and the name became The Nathan Agencies. Under this umbrella, Amherst Insurance Agency offers property and casualty products, and the Amherst Financial Services Agency provides life insurance, health, insurance and financial services products. In December 2012, longtime owner/ employees Glenn Allan and Anna Holhut purchased the stock of Amherst Insurance from Ron Nathan. In January of 2017, Christian Sulmasy, as part of a succession plan, acquired Amherst Financial Services, now known as Livictus. Amherst Insurance and Livictus are still housed together at 20 Gatehouse Road in Amherst. They are still working together providing complete financial and insurance services. Since then, Amherst Insurance Agency has steadily grown to become a well-known full-service insurance agency in Western Massachusetts. The success of the agency has been supported by our emphasis on topquality customer service. Amherst Insurance’s highly trained staff is dedicated to providing a superior level of service our clients have grown to appreciate over the years. We live in an increasingly complex world, and the insurance industry is certainly no exception. To keep abreast of the latest developments in this dynamic industry, our staff members are continually improving their insurance knowledge by attending continuing education seminars, courses, and degree programs. Also, Amherst Insurance’s high tech business environment enables us to help our clients to better communicate with us and expedite information gathering and coverage changes. When you work with a member of the Amherst Insurance staff, you can always count on being treated with respect, competence, and accountability.

https://www.amherstins.com/history/

Insured Nomads partners with Cover Compared, the first DeFi insurance marketplace for the global crypto ecosystem for purchase of World Explorer by Insured Nomads using cryptocurrencies. Insured Nomads in the News Andrew Jernigan of Insured Nomads discusses the evolution of travel and health insurance provision, and how the chasm between insurer and customer can be bridged effectively to reach and engage with a more globally mobile workforce. If you are in a global lifestyle, find an international health insurance coverage right for you, rather than a trip-oriented policy. The first is annually renewable and has conditions carrying over from year to year. At the same time, travel insurance is a secondary, emergency-focused solution that, in most cases, does not cover preexisting conditions. We provide both, depending on what you are looking for and how long you are staying. Our customers vary from single people relocating, to families with children worldschooling or homeschooling, to retirees in their third season of life, to expatriate groups. Electronic Chat with Andrew Jernigan, CEO, and Allen Koski, President and Chief Innovation Officer, Insured Nomads Andrew Jernigan, CEO, and Allen Koski, President and Chief Innovation officer, offer background on Insured Nomads’ creation, insight on its current offerings, and a glimpse into where growth might come next. A short article on how Insured Nomads helps employees work from the place of their choosing.

https://insurednomads.com/news-and-resources-old/3

Digit is Busting Complexity in Insurance With Technology “Insurance is supposed to be a trust-based system where one is assured help during difficult times,” says the Chairman, Goyal. “In a country like India where insurance penetration is low, I understood where exactly the challenge and opportunity lay.” Digit Insurance, one of the first fully cloud-based insurance firms in India, came about in 2016 with Goyal wanting to ‘make insurance simple’ through technology. The core idea was to simplify the customer’s journey and provide them with a seamless experience, right from picking products, to policy issuance to claim processes, as per Goyal. The two-year old company has served 6.9 million customers till date, underwritten premiums worth INR 2,200 crore and processed over 2 lakh claims. It claims to have gained 1.2 per cent market share of the overall Indian Insurance sector within two years of operations. Goyal also counts its Net Promoter Score (NPS)—a service quality metric—of over 80 an achievement for the company. The highest NPS score among the major private sector insurers is 70.3 (of ICICI Lombard GIC) in motor insurance category, 62.1 (of Bajaj Allianz) in life insurance and 76.7 (of Apollo Munich) in health insurance, as per Numr Research’s Insurance NPS 2019 survey. Digit integrates technology-enabled processes across distribution, buying and claims processing. “The use of ML, AI and image analytics help us in faster fraud management and claims settlement,” says Goyal. For instance, in the case of bike insurance AI-based technology solutions recognise basic checks like bike registration number, the colour of the bike, etc, which not only speeds up the process of inspection but also of policy issuance. Similarly, travel insurance policies make use of real-time flight tracking to proactively register a claim in case of a delay. “We provide a three-step, 100 per cent automated claims process for our flight-delay product,” explains Goyal. “If a flight is delayed beyond 75 minutes, we track it, send the customers an SMS asking for their boarding pass and bank details and process the claim.” In contrast to the industry standard of offering a claim only when the customer’s flight is delayed for over six hours, Digit claims to offer insurance payout for 75 minutes of delay. The company also offers an audio claim feature that eliminates the need for the insured to fill long applications. The customer calls to register a claim, which is taped and transcribed to extract and store details for processing the claim. On the business side of the things, the all-digital model has reduced the company’s infrastructure and operational costs, as per Goyal. Though Goyal refused to reveal the numbers, a June 2019 report on insurance sector by PricewaterhouseCoopers (PwC) shows that digitisation can reduce around 20–30 per cent of the cost of non-life insurance products and 15–20 per cent of the cost of life insurance. Digit’s technology-focused model has garnered sizeable investor interest since the company’s inception. Indo-Canadian business tycoon Prem Watsa, who is chairman and founder of Fairfax Financials Holdings, pumped INR 350 crore into the company in return of 45 per cent stake even before Digit rolled out its operation in November 2017 on getting the regulatory nod. Later, Fairfax invested USD 44 million seed amount in Digit, followed by more in subsequent rounds. The Bengaluru-based startup has raised cumulative USD 224 million in funding so far from A91 Partners, Faering Capital and TVS Capital, apart from Fairfax. Not just customers, Digit aspires to simplify the journey of its partner companies as well. It’s application program interface (API) based solutions allows partner companies, which includes insurance aggregator Policybazaar, Flipkart, ClearTrip and Axis Bank, among others, to cancel or make amendments to the policy. “We have built a cloud based interface with our partners especially for endorsements and cancellation. When partner companies need to make changes to the policy documents or cancel a policy, they do not need write us email asking for the changes. Instead, they can select the data fields that need to be changed, upload the relevant documents on the portal and the request is processed via a bot,” Goyal explains. In the coming months, Digit wants to devise tech solutions to empower Small and Medium Enterprises (SMEs) by offering them zero touch processes, both for claims and policy issuance.

https://musiqflix.com/digit-is-busting-complexity-in-insurance-with-technology/

eMaxx expands variable cost captive programme for insurance companies eMaxx, an insurtech commercial managing general agent (MGA) specialising in alternative risk, has expanded its turnkey platform for insurance companies to enter the variable cost captive market. eMaxx provides a platform that includes technology, product development, marketing, sales support and administration. It can assume quota share excess of loss (XOL) reinsurance. Insurance companies provide fronting, excess XOL reinsurance, claims oversight and their independent agency network. Brian McCarthy, chief executive officer at eMaxx, said: “Variable cost captives are the fastest growing sector of the commercial insurance market and there is high demand for alternative risk captive programmes.” He noted that commercial insurers can enter the alternative risk market quickly and provide their independent agency partners a branded product within months instead of years. eMaxx recently launched its customer centric technology platform for variable cost captive programmes, providing a centralised source for customers to manage their own insurance and risk management programme. The platform allows customers to access insurance policies, programme documents, historical exposures and claims details. Customers that are members of the variable cost captive programmes can view their fund performance and profitability. Risk Management capabilities include telematics ranking and score cards, driver files management, MVR monitoring and eLive Connect online learning platform. eMaxx said it can build and provide support for homogenous, heterogeneous (regional) captives, single parent and enterprise captives for insurance company partners. It acts as the sponsor of eCaptiv, the Vermont-domiciled captive reinsurance company that provides protected cells reinsurance support. Jeff Kenneson, president at Davies Captive Management, praised the innovation eMaxx has brought to the market since the companies started working together in 2018. “Their infrastructure, including their proprietary technology, are scalable and provide insurance companies the opportunity to provide products to their customers that are in demand,” he said.

https://www.captiveinternational.com/services/actuarial-underwriting/emaxx-expands-variable-cost-captive-programme-for-insurance-companies-4176

Laura Sherman, CAPI, CPRM, has over twenty-five years of experience solving the risk management needs of family offices, collectors and successful families and currently leads the Family Office practice group at BKS. As a cofounder of Baldwin Krystyn Sherman Partners (BKS Partners) and Baldwin Risk Partners (BRP), she built the Private Risk Management Team and marketing presence for the firm and served as one of the primary cultural evangelists for the first twelve years of the firm. Previously, she served as a Senior Vice President and Managing Director for the Private Risk Management Group for Wachovia Insurance Services in Atlanta, GA. Laura also worked with Chubb where she held various roles from underwriter to the Assistant Worldwide Marketing Manager for the personal insurance division and was responsible for the creation of the Ferrari Insurance Program, marketing collateral, national public relations and traveled with the PBS television show, Antiques Roadshow. A primary focus of Laura’s is client education, loss prevention and resiliency and helps spread the word by authoring white papers, speaks at various educational forums and conferences and is a resource on various articles to help further the industry and empower the next generation of insurance colleagues. She serves on several industry and insurer boards, such as the PURE National Broker Council, Advisory Board of the Council for Insuring Private Clients (CIPC), AIG Private Client Group National Broker Council and National Alliance advisory board for the CPRM designation. Laura is a two-time winner of Risk & Insurance Power Broker for Private Client by Risk & Insurance, a 2018 Agents of the Year by Insurance Journal, one of Insurance Business America Magazine’s Elite Women in Insurance multiple times, and has been a Tampa Bay Business Journal BusinessWoman of the Year honoree. She earned the Certified Advisor of Personal Insurance (CAPI) designation in the inaugural class in conjunction with Chubb and The Wharton School at the University of Pennsylvania and the Certified Personal Risk Manager (CPRM) designation in the inaugural class and is an instructor with the National Alliance for the CPRM designation. Laura serves on the Board of Directors for Meals on Wheels of Tampa, Children’s Dream Fund, the Council of Professional Advisors for the Community Foundation of Tampa Bay, Devin White’s Get Live 45, small group at church and as a board member of Fe League, a women in leadership group to advance women in corporate roles. Laura has a bachelor’s degree in economics from DePauw University and has done graduate work at The J. Mack Robinson College of Business of Georgia State University. She and her husband have two sons and they enjoy spending time with family, traveling, college football and the outdoors.

https://baldwinriskpartners.com/team/laura-sherman/

ALEXANDRIA, Va., Feb. 24, 2010 — Today marks the annual ACSR Tribute Day in honor of the graduates of the Accredited Customer Service Representative (ACSR) program, a joint effort of the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”), the American Institutes for CPCU (AICPCU) and the Insurance Institute of America (IIA). “On a day that recognizes the important contributions of agency customer service representatives, the Big ‘I’ is proud to name Patricia Ann Daniel of Extraco Insurance in Waco, Texas ACSR of the Year,” says Madelyn Flannagan, Big “I” vice president of agent development, education and research. “Her professionalism and commitment to continuing education and customer service make her a true role model in the industry.” Daniel joined the Extraco Insurance team in 2004 and has more than 16 years of experience in the insurance industry. She earned her ACSR life/health designation in 2001. Daniel stood out among the excellent pool of candidates for the ACSR of the Year honor because she consistently goes beyond the call of duty. Recommendation letters for the award highlighted her professionalism, time management skills and commitment to customer service. Daniel was also selected for her exemplary contributions to her agency by offering the knowledge and confidence that produces the trust of her clients. “We encourage agencies to celebrate and recognize their outstanding ACSR employees like Patricia Ann Daniel,” says Robert Rusbuldt, Big “I” president & CEO. “The personalized service of a CSR can be the differentiating factor for consumers who have many insurance buying options. CSRs demonstrate their commitment to the agency and its clients by earning the ACSR designation.” The ACSR program is a nationally recognized designation that provides participants with a strong insurance foundation, customer service skills and the technical knowledge necessary to succeed in today’s agency environment. Nearly 15,000 agents and brokers have achieved the ACSR designation, which is available in personal lines, commercial lines or life/health. ACSR modules have been approved in many states for continuing education credit for agents’ license renewal. Founded in 1896, the Big “I” is the nation’s oldest and largest national association of independent insurance agents and brokers, representing a network of more than 300,000 agents, brokers and their employees nationally. Its members are businesses that offer customers a choice of policies from a variety of insurance companies. Independent agents and brokers offer all lines of insurance—property, casualty, life and health—as well as employee benefit plans and retirement products. Web address: www.independentagent.com.

https://www.independentagent.com/media/Pages/2010/NA20100225163714.aspx

(Andes Mountains from Santiago, Chile. Photo credit: Individuo.) Charles Taylor Adjusting (CTA, London), an international loss adjuster and subsidiary of Charles Taylor, a service and solutions provider to the global insurance industry, has acquired FRG group, a specialist technical loss adjusting and claims program management services provider headquartered in Santiago, Chile. CTA reports that the aim of the acquisition is to extend CTA’s network, presence and reach across Latin America. FGR employs around 385 people in 17 locations in Chile and Peru and has a growing presence across the Latin America region. The company provides specialist technical loss adjusting and claims program management services. FRG’s loss adjusting business operates in the property/casualty, with particular strength in construction, engineering, liability and catastrophe losses, according to a CTA statement. The company’s claims management business provides insurance claim settlement services to insurance companies in the Chilean market. The business handled around 3.1 million claims during 2017. Due to FGR’s location on the “Pacific Ring of Fire” gives the company greater exposure to CAT events in the region, a CTA statement notes. FGR has worked on recent major CAT events, including the 2015 Chilean floods, 2016 Ecuador earthquake and 2017 Puerto Rico hurricanes, the latter in association with Charles Taylor Adjusting. CTA’s acquisition of FGR group extends Charles Taylor’s existing office network, presence and client relationships across Latin America, and positions Charles Taylor as one of the leading international claims program management and loss adjusting firm in Latin America. It also adds technical expertise and high value services to CTA’s loss adjusting offering in the region. FGR’s clients will benefit from the strength and resources of Charles Taylor and will be able to access additional lines of business and further services offered by CTA and the wider Charles Taylor Group. CTA reports that FGR will be integrated with its other existing Latin American adjusting businesses, led by Felipe Ramirez, Managing Director and Regional Head, Latin America. “This acquisition greatly strengthens our loss adjusting presence and capabilities in Latin America,” comments Damian Ely, CEO, CTA. “Charles Taylor Adjusting is now one of the leading international loss adjusters in the region. We have the resources, expertise and technical skills to support local and international insurers and reinsurers with larger and more complex claims and CAT losses.” “The deal progresses our strategy of strengthening our loss adjusting and claims management capabilities in selected markets,” he adds. Ignacio Barriga, CEO, FGR group, calls the company’s becoming a part of the Charles Taylor family a huge opportunity for FGR. “It will give us far greater access to clients in the London and international markets,” Barriga says. “We will benefit from the financial strength, reputation and resources of the Charles Taylor Group and from opportunities for cross-referral and joint working with the wider Group.” Charles Taylor’s Larger LatAm Expansion This acquisition demonstrates Charles Taylor’s commitment to growing its capabilities in Latin America, coming on the heels of the company’s recent acquisition of Argentinian-based insurance technology provider, Inworx, comments David Marock, Group CEO, Charles Taylor. “It marks an important step forward in delivering our strategy to achieve market leading positions for each of our businesses and expand into growing economies and markets,” Marock says. “I am very pleased to welcome our new colleagues from FGR to Charles Taylor.”

https://iireporter.com/charles-taylor-expands-latam-reach-with-fgr-group-acquisition/