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Egyptian insurance industry to develop national sustainable insurance roadmap in partnership with UN Environment Cairo/Geneva, 7 May 2019—Egyptian insurance industry leaders and financial regulators, UN officials and key stakeholders gathered in Cairo last month to discuss ways to tackle major sustainability challenges—from climate change, pollution, water scarcity and disaster vulnerability; to social inequality, health risks, and the insurance protection gap. The event, Shaping the sustainable insurance agenda in Egypt, produced a pioneering initiative to develop a national sustainable insurance strategy and action plan—or a “roadmap”—by 2020. This roadmap aims to harness the triple role of the Egyptian insurance industry as risk managers, insurers and investors for economic, social and environmental sustainability—in other words, sustainable development. The event was co-organised by UN Environment’s Principles for Sustainable Insurance Initiative (PSI)—the largest collaborative initiative between the UN and the global insurance industry—and by the Egyptian Financial Regulatory Authority and the Insurance Federation of Egypt. “Sustainability is part of my core mandate as Egypt’s insurance regulator. I am delighted that the Insurance Federation of Egypt will be working together with the Egyptian Financial Regulatory Authority and UN Environment’s Principles for Sustainable Insurance Initiative (PSI) to deliver a national sustainable insurance roadmap by next year,” said Dr Mohammed Omran, Chairman of the Egyptian Financial Regulatory Authority. “We expect this roadmap to enhance the Egyptian insurance industry’s resilience, stability and sustainability, as well as contribute to achieving the aims of the UN Sustainable Development Goals and the Paris Agreement on Climate Change.” Since sustainability challenges require collaborative action and innovative solutions, and also present new opportunities and markets for the insurance industry, the aims of the inaugural PSI Egyptian Market Event have been championed by Alaa El-Zoheiry, Chairman of the Insurance Federation of Egypt. As a result of constructive discussions during the PSI event in Cairo, the Insurance Federation of Egypt recently announced that it has already taken the first step in its sustainability journey by creating a Sustainability Committee. “As a cradle of civilisation, Egypt has shown resilience and sustainability over several thousands of years. However, global sustainability challenges such as climate change, unprecedented loss of biodiversity, a polluted ocean and growing social inequality are threatening our common future,” said Butch Bacani, who leads the PSI at UN Environment and who chaired the inaugural PSI Egyptian Market Event. “By developing a national sustainable insurance roadmap, the Egyptian insurance industry is demonstrating the vision, leadership, collaboration and ambition needed to achieve sustainable communities and economies, and a healthy planet.” This inaugural PSI Egyptian Market Event was the first of its kind in the Middle East & North Africa (MENA) region. It was designed to complement the aims of the UNEP FI Regional Roundtable on Sustainable Finance for Africa & the Middle East that was held in Cairo from 10 to 11 April, and the 2nd PSI African Market Event in Lagos, Nigeria from 29 to 30 April. For more information, please contact: UN Environment (Geneva, Switzerland) Sally Wootton, UNEP FI Communications Lead: T: +41 22 917 8591 / [email protected] Geeda Haddad, UNEP FI Middle East & North Africa Co-ordinator: T: +41 22 917 8148 / [email protected] Egyptian Financial Regulatory Authority (Cairo) Sina Hbous, Advisor to the Chairman for Sustainable Development & Head of the Sustainable Development Department / M: +20 100 530 047 / T: +20 2 3534 5350 extension 5450 / [email protected] Insurance Federation of Egypt (Cairo) Azza Gaber, Deputy Executive Director / M: +20 128 431 888 / [email protected] About UN Environment’s Principles for Sustainable Insurance Initiative Endorsed by the UN Secretary-General and insurance industry CEOs, the Principles for Sustainable Insurance (PSI) serve as a global framework for the insurance industry to address environmental, social and governance risks and opportunities—and a global initiative to strengthen the insurance industry’s contribution as risk managers, insurers and investors to building resilient, inclusive and sustainable communities and economies. Developed by UN Environment’s Finance Initiative, the PSI was launched at the 2012 UN Conference on Sustainable Development, and is the largest collaborative initiative between the United Nations and the insurance industry. www.unepfi.org/psi / Twitter: @PSI_Initiative About the Egyptian Financial Regulatory Authority and its Sustainable Development Department The Egyptian Financial Regulatory Authority (FRA) is responsible for supervising and regulating non-banking financial markets and instruments, including the Capital Market, the Exchange, and all activities related to insurance services, mortgage finance, financial leasing, factoring and securitisation. The FRA’s role is to regulate the market and ensure its stability and competitiveness to attract more local and foreign investments. Towards the end of 2018, the FRA created a dedicated policy department to support sustainable development practices on the institutional level of FRA and to promote the concept to all companies under its supervision, its affiliates and partners. About the Insurance Federation of Egypt The Insurance Federation of Egypt is a consortium of insurance companies, reinsurance and insurance associations licenced to operate in the Arab Republic of Egypt. It aims to raise the level of the insurance industry and insurance professions associated with them and the organisation of competition, and to foster scientific and cultural ties and social relations between companies and its member associations and the General Authority for financial control and other government agencies and NGOs on active insurance at home and abroad, as well as examine the technical basis of price and compensation. Federation membership is mandatory for all insurance companies, reinsurance and insurance associations under the law of the supervision and control of insurance.

http://blog.felixdodds.net/2019/05/egyptian-insurance-industry-to-develop.html

Company: Get Indemnity Founder: Simon Taylor About: One of the UK’s fastest growing insurance brokerages, specialising in business insurance and professional indemnity About Get Indemnity Founded in 2019, Get Indemnity ™ is the UK’s first digital insurance broker that combines the efficiencies of technology with the knowledge and experience of insurance professionals. With an API capability that pulls data from third parties to digitally onboard new customers, they are able to make the process of identifying business insurance quotes easier than ever. The brand can accommodate companies with a turnover up to £100m and they can access the wholesale insurance market to obtain no-obligation quotes from specialist ‘A’ rated insurers. With professional indemnity their speciality, customers can also access quotes for medical, vehicle and cyber insurance too. Founded by Simon Taylor, formerly of Willis, QBE and Chubb, told TechRound: “At Get Indemnity we have stripped back the traditional insurance broking process and re-engineered online. Our agile InsurTech solution connects a digital platform with human intervention, combining the efficiency of technology with the knowledge and experience of insurance professionals. “The digital on-boarding process records quantitative and qualitative risk information, while the application is enriched with data held by third parties to validate the exposure from an underwriting perspective and reduce the information burden on the customer.” The InsureTech company was recently the recipient of the London Insurance Award

https://techround.co.uk/techround-100/get-indemnity/

Job Description A leading in-force specialist insurer, is seeking a Senior Manager - Risk to join their dynamic line 2 team. In this critical role, you'll play a pivotal role in designing and implementing Are you an agile risk leader passionate about driving continuous improvement in the life insurance industry? A leading in-force specialist insurer, is seeking a Senior Manager - Risk to join their dynamic line 2 team. In this critical role, you'll play a pivotal role in designing, implementing, and overseeing the Risk Management Framework (RMF), ensuring effective risk management for their client. Shape the future of risk management: Drive continuous improvement and uplift the capability of risk management across the organisation. Collaborate with senior stakeholders: Provide risk leadership, guidance, and advice to the first line business and work closely with the Chief Risk Officer and Head of Risk. Agile environment: Embrace the agile ways of working for faster, more efficient outcomes. Make a real difference: Contribute to the well-being of customers by ensuring their policies are in safe and trusted hands. What you'll do: Oversee the implementation, operation, and ongoing monitoring of the RMF for financial, investment, and insurance risks. Provide guidance to Finance & Actuarial and Investment Management on embedding risk management. Review and challenge business-led initiatives from a risk perspective, offering advice and recommendations. Perform second line of defence targeted assurance reviews and designing controls Foster a risk-aware culture throughout the organisation. Act as the second line risk support to the Chief Finance Office, Chief Investment Officer, and Appointed Actuary. You're the perfect fit if you have: Broad-based Risk experience in financial, investment, and insurance risk, with familiarity in life insurance preferred Demonstrated experience having worked with actuarial teams or finance teams providing risk advice around IFRS/SOX Proven track record in risk management at a senior manager level in a financial services environment. Excellent knowledge and experience with risk management frameworks and systems from a second line of defence perspective. Strong communication and collaboration skills to build effective relationships with senior stakeholders. The ability to constructively challenge, consult, and advise while maintaining respect and credibility. Experience working in an agile environment is a plus.

https://careers.nailba.org/jobs/

General Search & Recruitment (GSR) is a professional insurance staffing firm with over 43 years of expertise in the industry. With a focus on underwriting, claims, and sales, GSR has mastered the art of finding and attracting the best and brightest professionals in the insurance sector. At GSR, we understand the importance of a comprehensive insurance audit to ensure compliance, minimize risk, and enhance overall operational efficiency. That's why we specialize in connecting insurance audit professionals with top companies in Georgia. With our extensive network and years of experience, we have developed strong relationships with both employers and candidates. Our recruiting process is continuously evolving to meet the changing demands of the industry, ensuring we deliver the right talent to our clients. When it comes to insurance audit recruitment in Georgia, GSR is the name you can trust. Our team of dedicated recruiters understands the unique requirements and challenges of the insurance audit field, allowing us to provide tailored solutions that meet both the needs of the employers and the aspirations of the candidates. By partnering with GSR, you gain access to our vast network of insurance professionals and companies in Georgia. We go beyond traditional sourcing and screening methods, leveraging our industry expertise and connections to find the perfect match for your organization. Our commitment to excellence extends to every aspect of the recruitment process. From conducting thorough background checks and skills assessments to comprehensive reference checks, we leave no stone unturned in identifying the most qualified candidates for insurance audit positions. As part of our dedication to providing valuable resources to both employers and professionals, we have curated a list of helpful links related to insurance audit and recruitment: Connect with us on LinkedIn: For industry news and insights, visit Insurance Journal. Take the first step towards finding top insurance audit professionals in Georgia. Contact GSR today.

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

We are pleased to invite you to our upcoming virtual Tressler Talk: Navigating the Skies - Legal and Regulatory Challenges in Advanced Air Mobility Thursday, November 2, 2023 2:00pm-3:00pm CT Webinar Imagine hailing an airplane as easily as hailing a cab and soaring above traffic congestion with ease. The possibility of on-demand aviation—often referred to as Advanced Air Mobility (AAM)—is on the horizon. Join us for this complimentary webinar as we explore the challenges and opportunities in shaping the future of AAM while ensuring safety, sustainability and equitable access for all—above the clouds, but under the law. We hope you can join us! All are welcome.Register Now: https://cvent.me/LNBlBD View Event Website: https://cvent.me/Q4NxNW Meet Our Speakers: Jennifer S. Perdigao Partner and Co-Chair of Transportation Practice at Tressler LLP Jennifer is a partner and Co-Chair of the Litigation and Transportation Practice Group. Her practice includes insurance coverage and defense as well as non-insurance advisory matters. Jennifer’s insurance coverage experience includes insurance coverage analysis and insurance litigation involving commercial general liability, aviation operations, personal and advertising injury, construction defects, environmental coverage and professional lines. Jennifer’s defense litigation experience involves a wide range of matters including the defense of wrongful death, personal injury and property damage claims arising out of premises, aviation accidents, airport operations, motor vehicle accidents and products liability. Outside the insurance context, Jennifer provides counseling in connection with FAR compliance, risk management and aviation contracts. Jennifer has training and experience with employment law matters including FEHA claims and wage and hour matters. Timothy M. Ravich Senior Counsel at Tressler LLP Tim is senior counsel at Tressler. He concentrates his practice in the areas of aviation, product and general civil litigation. Recognized as one of only 50 lawyers qualified as a Board-Certified Expert in the area of aviation law, Tim specializes in transactional and regulatory matters related to the ownership, maintenance and utilization of aircraft, airports and airspace. Tim provides legal representation to a diverse range of clients in the aviation industry, covering a wide spectrum of matters. His clientele has included operators from both commercial and general aviation sectors, including Part 121 and 135 carriers. He has also worked with aircraft and engine original equipment manufacturers (OEMs), maintenance, repair and overhaul (MRO) companies, airmen and aviation insurers. Tim has counseled and advocated for clients on various issues, from matters related to the purchase, sale and utilization of aircraft under international law, such as the Cape Town Convention, to airport law, accident litigation and passenger claims arising under the Airline Deregulation Act, Montreal and Warsaw Conventions, Title 49 U.S.C. and Part 14 C.F.R. He also has provided expert testimony and advised public and private sector clients, including U.S. presidential campaigns, members of the United States Congress, local, state and international governments, law firms, airlines, aircraft manufacturers and operators and airmen.

https://www.tresslerllp.com/thought-leadership/events/event-details/2023/11/02/default-calendar/tressler-talks-navigating-the-skies---legal-and-regulatory-challenges-in-advanced-air-mobility

Newcastle Insurance Brokers celebrates its 10th anniversary 20 November 2023 Newcastle insurance brokers, JM Glendinning North East, is celebrating a decade of providing specialist insurance solutions for hard-to-insure UK businesses. The business, which is part of JMG Group, has grown from a standing start in 2013 into a thriving £9 million Gross Written Premium (GWP) business, demonstrating an impressive 30% income growth year on year. Established by Neil Forrest, now the JMG Group commercial director, and Dean Hartley, who is a client director at the firm, JM Glendinning North East is now led by MD, Lee Tetley. Over the past decade, our Newcastle insurance brokers have consistently delivered tailored insurance solutions to help businesses throughout the UK that do not fit the ‘tick box’ criteria of standard insurance policy applications. Whilst the business embraces innovation and technology, it prides itself on its human approach to insurance broker services, away from the buy online model. JM Glendinning North East MD Lee Tetley says: “Reaching the 10-year mark is a significant milestone for us. We have worked tirelessly to build a reputation for excellence and dedication to our clients. Our journey from zero to becoming a £9 million GWP business is a testament to the hard work and dedication of our committed and experienced team. We take pride in our ability to navigate complex insurance landscapes and offer tailor-made solutions to our clients.” Lee says that one of its key successes is in attracting and retaining its loyal and committed team members. Amongst them are Alyson Storey, Debra Dee and Ryan Champion who will celebrate their 10th anniversary of working with the company, this year, and have all been instrumental in the office’s growth and success during this decade. JM Glendinning Insurance Brokers’ North East office now boasts a team of 29 dedicated professionals who continue to deliver innovative insurance solutions ensuring their clients are safeguarded against unique risks in their respective industries.

https://www.jmginsurance.co.uk/newcastle-business-celebrates-its-10th-anniversary/

ABOUT Rees & Rees Protect, educate and service small businesses through an honest and compassionate approach to their insurance needs and in turn, enabling them to prosper within the local economy and achieve their highest potential as business owners. Deliver honest, reliable and compassionate insurance services that fits each business uniquely. Striving to protect small businesses from unforeseen risks and keeping them in operation in the event of a loss. CHANTAL REES, PRESIDENT Chantal Rees is the Founder and President of Rees & Rees Insurance Services Inc. She specializes in custom coverage for California business owners. Chantal began her career 14 years ago as a Customer Service Representative in Lake Tahoe. Her goal is to help employers truly understand their insurance by offering a proactive, educational approach that helps them discern how a policy would function in the event of a loss. Chantal approaches each client relationship with compassionate and caring consideration and in turn, she handles each situation as if it were her own. Chantal consistently qualifies as one of the top 15 producers with her partner agency, Orr & Associates. She was a cyber liability insurance panelist for the Women in Construction event in 2019 and she helped successfully launch her BNI chapter, We Inspire, in 2016 where she has held an officers seat ever since. Originally from Tahoe City, Chantal now lives in Concord with her husband, Jamie, and their dog and two cats. They enjoy cooking, fantasy football, reading, wine tasting, traveling and being outdoors.

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

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The company is a joint venture between Bajaj Finserv Limited (formerly part of Bajaj Auto Limited) owned by the Bajaj Group of India and Allianz SE, a German financial services company. History. Bajaj Allianz General Insurance received an Insurance Regulatory and Development Authority of India (IRDAI) certificate of registration on 2 May 2001 In this section, you can access to Customer login, Partner Login & Employee Login using provided username and password. Bajaj Allianz General Insurance Company.

https://investeringarotow.netlify.app/17112/38698

Merchants Insurance Group * Merchants Insurance Group is not affiliated with, nor does it endorse or sponsor, the content of this webpage or the CarInsuranceQuotes.com website. First created to serve merchants in Buffalo, New York, founder Urban F. Jehle joined with J. Roger Young who had previous experience in insurance, local attorney, Owen B. Augspurger and civil engineer Clifford W. Brow, and began Merchants Mutual Liability Company (Merchants Insurance Group) on March 5, 1918. The first focus for the group was to offer protection for delivery vehicles. Today, the vision of Merchants Insurance Group is to provide independent agents the most trusted property and casualty insurance available serving the needs of the customer. Through strong relationships, trust, accessibility and stability, Merchants Insurance placed their focus on the customer and independent agent satisfaction, striving to provide quality and financially secure products. The company’s 5 core values include Integrity, Respect, Loyalty, Teamwork and the aspiration to improve. Over the years, Merchant Insurance Group developed the company into two main directions: Personal lines and Commercial Lines. The personal would focus its products on Homeowners, Personal Auto, and Personal Umbrella Insurance. Maintaining the early merchant devoted roots, the commercial lines cover business owners, auto repair and collision repair, contractors and handyman, commercial package, golf course, restaurant, commercial auto, commercial umbrella and workman’s compensation insurance. Providing vehicle coverage, Merchants car insurance offers a “POP” policy or “Package of Protection.” Included in this “POP” are services for towing and labor, transportation expenses, emergency lodging and emergency first aid expenses, as well as rental car reimbursement. Merchants car insurance also provides a member discount available to both Merchants policyholders when involved in the same collision. In the event that more than one driver insured by Merchants auto insurance is involved in the same collision, Merchants will waive both deductibles for comprehensive and collision for both vehicles. Merchants insurance offers a safety discount for features such as daytime running lights, anti-lock, passenger safety features (airbags) and car alarms. Another way to save with Merchants auto insurance is to complete a defensive driving course. Qualifying policyholders may also receive the Multiple Vehicle/Car discount, and the Account Credit (which is available to members who have both homeowners and personal auto coverage). The account credit allows savings on both home and auto policies. Coverage is varied state-to-state, not every discount and service may be available. States of coverage include New York, Massachusetts, Michigan, New Hampshire, New Jersey, Ohio, Pennsylvania, Rhode Island and Vermont. Smaller in size than many other competitors, Merchants Insurance Group received the notable rating of A- (Excellent), by the A.M Best for its entire primary (Merchants Insurance Group) and sub-companies.

https://www.carinsurancequotes.com/car-insurance-companies/merchants-insurance-group

Five earthquakes reported in Kon Tum on February 7 morning Thursday, 08/02/2024 08:45 (GMT+7) Five earthquakes were recorded in Kon Plong district in the Central Highland province of Kon Tum on February 7 morning, according to the Earthquake Information and Tsunami Warning Centre under the Institute of Geophysics. |The location of an earthquake that occurs in the Central Highland province of Kon Tum on February 7. (Photo: Earthquake Information and Tsunami Warning Centre) All the earthquakes caused no disaster risk as the strongest quake occurred at 10:11:50 (Hanoi time) with a magnitude of 4.0 and focal depth at about 8.1 km. Over one hour later, four other earthquakes occurred with magnitudes of 3.3; 2.8; 2.5 and 3.7 and a focal depth ranging from 8.1-10.1 km. Dr. Nguyen Xuan Anh, Director of the Institute of Geophysics under the Vietnam Academy of Science and Technology, said that the earthquake information centre has regularly reported earthquake activities to the local authorities and people. The institute will continue to monitor and process earthquake data in Kon Plong district, he added. He called on local people to stay calm and follow the instructions of local authorities and competent agencies. People also need to reinforce houses and equip themselves with more knowledge about earthquake prevention and response./. CPV (Source: VNA)

https://en.dangcongsan.vn/vietnam-today/five-earthquakes-reported-in-kon-tum-on-february-7-morning-20000467.html

“It’s a watershed moment for the industry. If we don’t respond, we’ll lose relevancy”, says Madhu. The philosophy major and former management consultant and venture capitalist talks about his rise through the ranks at AIG and his journey to joining Corvus, a cyber insurance insurtech protecting policyholders’ digital operations and digital assets. “I like the feel of a small group of people going after a big problem”, as Madhu explains how Corvus assesses the network topography and weak points of a client’s business, offering direct and continuous engagement with policyholders. “We look at the company the way an attacker, malware or ransomware actor would.” Madhu shares his thoughts on the future of insurance, emerging risk threats and the personalities he looks for when recruiting. “When talking to candidates, I ask what are the things they’ve tried that didn’t work”, as he explains the importance of being comfortable with ambiguity and having an experimentation mindset. “The risks, the approaches and the way policyholders are engaging is all changing. Imagination and new thinking will drive different outcomes.” The Insurance Coffee House Podcast is hosted by Nick Hoadley, CEO, Insurance Search, the Executive Search Consultancy for growing Insurance and Insurtech businesses across the globe.

https://insurance-search.com/captivate-podcast/madhu-tadikonda-corvus-insurance/

National Advertising Division Recommends RhinoSystems Discontinue Limited Claims that Nasal Irrigation Systems Can Help Prevent Viral Illnesses Jan 12, 2023 New York, NY – January 12, 2023 – The National Advertising Division (NAD) of BBB National Programs examined a number of challenged health-related claims by RhinoSystems, Inc. and found that the challenged packaging claims and many website claims did not convey virus prevention claims. However, NAD recommended that RhinoSystems discontinue certain other health-related claims that appeared in one television and two radio commercials or on the Naväge website, including: - The express virus prevention claim on the Naväge website “using products such as Naväge Nasal Care not only avoids steroids and pills, but helps to avoid allergies, post-nasal drip, and a cold or flu.” - Any implied virus prevention claims in its 2022 television commercial, the two challenged radio commercials and on Naväge’s website. - The claim on the Naväge website “doctors love nasal irrigation.” The claims at issue were challenged by competitor NeilMed Pharmaceuticals, manufacturer and supplier of competing nasal irrigation systems. The parties to the challenge did not dispute that saline nasal irrigation “flushes out” viruses or that it provides symptom relief and mitigation. At issue before NAD was whether the advertiser’s express and implied claims convey a message that the use of Naväge or nasal irrigation prevents or reduces the risk of contracting a cold, flu, or other virus and if so, whether those claims are supported. Virus Prevention Claims In reviewing the RhinoSystems claims for Naväge, NAD found that certain of the challenged website claims and all challenged packaging claims generally refer to flushing out germ and virus particles and do not rise to the level of virus prevention claims. For example, while some language goes so far as to say after flushing out the germs consumers will feel healthier, there is nothing indicating that use of the product will prevent contraction of the flu or other viral illness. However, NAD determined that an implied virus prevention message is conveyed in Naväge’s 2022 television commercial, two challenged radio commercials, and by two claims on Naväge’s website which mention flushing out “infectious” germs and/or bacteria. Cold and flu prevention claims are impactful to consumers and should be supported by competent and reliable scientific evidence that fits the claim. NAD reviewed the evidence provided by the advertiser for claims that the use of Naväge or nasal irrigation can help consumers avoid or prevent the contraction of infectious diseases like the cold and flu and found that the advertiser’s support for its claims included studies with methodological flaws with respect to the populations, controls, and different methods of delivery that were not a good fit for the broad prevention claims. Accordingly, NAD recommended that such claims be discontinued. “Doctors Love Nasal Irrigation” Claim NeilMed objected to claims on Naväge’s website that state, “Doctors Love Nasal Irrigation. Why? Because it’s clinically proven to relieve sinus congestion safely and effectively by flushing out allergens, mucus, and infectious airborne germs. And it does this completely naturally without drugs.” While NAD did not agree with NeilMed that the “doctors love” claim indicates a doctor preference for Naväge specifically, NAD did conclude that it conveys the message that a significant number of doctors have come to a consensus; therefore, such a claim requires a well-conducted, random, and statistically significant survey of doctors as substantiation. NAD determined that the evidence in the record regarding recommendations by medical associations and institutions of nasal irrigation is not a good fit to substantiate the more general claim at issue, and recommended that the claim be discontinued. NAD noted that nothing in its decision prevents the advertiser from making a more limited claim based on the specific recommendations of medical associations and institutions in the record. During the proceeding, RhinoSystems voluntarily discontinued certain pandemic-related challenged claims, that appeared in a television commercial on the Naväge website therefore, NAD did not review these claims on the merits. In its advertiser statement, RhinoSystems stated that it “will comply with NAD’s recommendations.” The advertiser further stated that while it respectfully disagrees with NAD’s conclusions regarding the lack of fit between its studies and the challenged claims and continues to believe that its claims are supported, “RhinoSystems is a supporter of the self-regulatory process and will take NAD’s recommendations into account in future advertising.” About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than a dozen globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, create a fairer playing field for businesses, and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org. About the National Advertising Division: The National Advertising Division (NAD) of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. NAD reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and leveling the playing field for business. Name: Abby Hills Job Title: Director of Communications

https://contentenginellc.com/2023/01/12/national-advertising-division-recommends-rhinosystems-discontinue-limited-claims-that-nasal-irrigation-systems-can-help-prevent-viral-illnesses/

Your Logo Goes Here Your Fully Branded Digital Publishing Platform QTS New Jersey data center roof catches fire A fire broke out at a QTS data center in New Jersey in the early hours of Wednesday, November 23. The fire was reported at 02:45 am, and extinguished by 05:00 hours, with no casualties. However, the local fire department reports the fire was extinguished with heavy flows of water, and extra care had to be taken on the site due to flammable building materials on site to build an extension to the facility. “Early Wednesday morning, authorities responded to a fire on a concrete and steel structure under construction adjacent to QTS’ Piscataway data center,” QTS said. “The local fire department... fully extinguished the fire shortly after arrival.” QTS has been building a two-story, 90,000 sq ft extension to a data center on the site. The fire broke out in this new construction, and did not spread to the adjacent operational data center, which was unscathed. The spokesperson explained: “QTS determined that several pallets of roofing material stored on the roof for future installation caught fire. The cause has not been determined. No injuries or customer disruption was reported. The operational data center adjacent to the construction site was not impacted.” QTS bought the data center site from DuPont Fabros in 2016. The 38- acre campus already holds two facilities, as well as the new building under construction.

https://pwa.magloft.com/collections/the-virginia-issue/qts-new-jersey-data-center-roof-catches-fire

Media – I visas are for journalists from foreign media traveling temporarily to the United States to work in informational or educational matters that are essential to the foreign media function. This include members of the press, radio, film, and print industries. How to Apply Complete the Online Visa Application - Online Non immigrant Visa Application, Form DS-160 - Passport valid for travel to the United States - Non immigrant Visa Application, Form DS-160 confirmation page - Application fee payment receipt - Passport size photo - A valid contract of employment. - Professional journalistic association credentials. What you should know before your trip: It is advised that all visitors get health insurance for new and existing conditions, accidents, and death (funeral and repatriation benefits). Below are some of great insurance policies underwritten by CHUBB American Insurance Company. - CHUBB Accidental Death and dismemberment coverage: Yearly premium with coverage of $25,000, $50,000 or $100,000 - CHUBB Visitor Health Insurance: Depending on age groups, pre-existing conditions, and other factors, there are comprehensive plans and fixed benefit plans to fit every budget, and need. Click here for more information about media visa requirements, important documents, and application forms.

https://www.immnet.org/workers/media-i-visa/

Welcome to Napier Earthquake Tour In this audio tour, you will learn about Napier’s worst earthquake. On February 1931, most of the city’s buildings were completely destroyed. You’ll learn about the rapid rebuilding process and why the city is famous for its Art Deco style. Some of the locations you will have the opportunity to visit include: - the Municipal Theatre - the Public Trust Building - Clive Square - St. John's Cathedral You will also learn about the Fire which took hold shortly after the earthquake and ran rampant throughout the city, devastating those buildings that were still standing. Fascinating and tragic, this is a memorable story. Your Tour. Your Way. - 1. Napier's firefighters watched helplessly as fire engulfed the city, with the fire station destroyed, fire trucks buried under rubble and no water to fight the fire as the town’s underground water pipes had been shattered. - 2. The quake raised Napier by seven feet, changing the course of rivers and bringing 2230 hectares of land to sea level. Many areas that had previously been underwater were reclaimed, such as the area where the airport is now situated. - 3. The Market Reserve Building was the first major permanent building constructed after the Earthquake and is considered to be a symbol of the Renaissance of Napier. - 4. Emergency medical services at Napier were quick to mobilise with the hospital quickly being evacuated to the local racecourse following contingency plans for its evacuation in the event of an earthquake that had been made as far back as 1925.

https://www.citywalksworld.com/collections/new-zealand/products/napier-earthquake-tour

Welcome to InsuranceBlob.com, your ultimate resource for all things related to insurance. We are dedicated to providing valuable information, insights, and resources to help individuals make informed decisions about insurance coverage, claims, and more. At InsuranceBlob.com, our mission is to simplify the complex world of insurance and empower our readers with knowledge. We understand that insurance can often be confusing and overwhelming, with various policies, terms, and coverage options to consider. Our goal is to break down these complexities and provide clear, concise, and unbiased information to help you navigate the insurance landscape. What We Offer InsuranceBlob.com offers a wide range of articles, guides, and resources covering different types of insurance, including auto insurance, home insurance, health insurance, life insurance, and more. Our team of experienced writers and insurance experts curates content that is informative, up-to-date, and relevant to your insurance needs. Editor-in-Chief Robert Pickering A 12-year Veteran in Insurance and Risk Management Robert Pickering, a seasoned professional with over a decade of experience, specializes in risk management and insurance. Holding a BSBA from the David Nazarian College of Business and Economics, he excels in areas such as risk assessment, policy analysis, and strategic planning. Robert’s commitment to high industry standards is evident in his ethical practices and in-depth understanding of market trends and regulations. With a track record of providing effective insurance solutions to a diverse clientele, Robert is a respected and trusted voice in the insurance and risk management industry. Jonathan Reed, Senior Editorial Director Jonathan Reed is not your typical insurance guru. He shuns the spotlight, preferring the quiet hum of analysis and satisfaction in problem-solving. Under his unassuming demeanor lies a wealth of knowledge and experience that has sculpted him into a pillar of the InsuranceBlob.com writing staff. Jonathan Reed has a solid academic background in risk management and its application in insurance. Financial Risk Management, University of Toronto, Rotman School of Management A graduate of the prestigious University of Toronto’s Rotman School of Management, he earned his Financial Risk Management degree. This program equipped him with a comprehensive understanding of advanced risk management principles and quantitative analysis techniques. Advanced Risk Measurement and Analysis (Coursera) Mastery of quantitative analysis and modeling techniques in risk management. Topics covered: risk measures, value at risk, expected shortfall, stress testing, and Monte Carlo simulation. Insurance Innovation and Disruption (Edx) Exposure to the latest trends in the insurance industry, including digital transformation, blockchain, artificial intelligence, and insurtech Development of skills and a mindset for innovation and disruption in the insurance landscape. Jonathan Reed has explored, analyzed, and mastered the market from every angle, weathered its storms, and learned its hidden rhythms. His extensive expertise within the insurance sector includes: - Risk assessment and evaluation - Policy analysis and evaluation - Strategic planning and development - In-depth understanding of market dynamics - Compliance with regulatory landscapes Jonathan Reed has tackled complex challenges, not as a lone hero but as a collaborator, drawing strength from diverse perspectives and a willingness to share his own. One of his proudest moments was leading a team of experts to design and launch a new insurance product that offered affordable and comprehensive coverage to low-income families in rural areas across Africa. A Trusted Policy Maestro In the ever-shifting sands of the market, Jonathan Reed is a constant lighthouse of insight guiding you through the storms of unforeseen dangers. With 8 years of hands-on know-how, he is not just an expert but a problem solver. His articles are proof that he has been there, done that, and knows his stuff. Connect with Jonathan Reed on social media: Feel free to reach out for discussions and insights, or to stay updated on the latest in risk management and insurance innovation. Steve, Content Editor and Writer Maseratti, a dedicated member of the InsuranceBlob.com writing team, brings years of insurance industry expertise to provide invaluable insights, expert insurance company reviews, and simplify the intricate world of insurance, all for your benefit. Anne Mitchel writer Anne Mitchell: Reporting Expert in Business Commerce Insurance Location: New York, NY Expertise: Global Markets, Economics, Insurance - Passionate reporter delivering accurate and verified news impacting investors. - Joined Insurance Blob in 2023. - Experience in video verification at various magazines. - Skilled at simplifying complex issues for broad audiences. - Bachelor of Arts in Business Commerce with Insurance Emphasis from Texas State University, USA. Evans: Your Trusted Guide Through the Insurance Landscape Unwinding the Complexities: Evans is an insurance expert passionate about simplifying the insurance world for everyone. With over 2 years of experience, he helps individuals and businesses navigate this dynamic landscape with confidence. Equipped with knowledge: Evans holds a bachelor’s degree in insurance and risk management from Columbia University and a strong foundation in finance and risk management. This comprehensive background empowers him to tackle complex insurance concepts and tailor solutions to your specific needs. Informed Decisions, Tailored Solutions: Whether you’re an individual or a business owner, Evans guides you toward making informed insurance decisions that protect your dreams and financial security. Beyond Policies: Protecting Dreams Evans believes that insurance is more than just a policy; it’s a safety net for your ambitions and financial stability. He empowers you to understand and utilize its full potential. Knowledge Shared, Everyone Empowered: Committed to spreading knowledge, Evans actively shares insights and tips to help individuals and businesses become savvy insurance consumers. With Evans as your guide, the intricate world of insurance becomes clear and accessible. Diana, Content Writer InsuranceBlob.com Diana is an experienced insurance article writer with over a year of expertise in generating compelling and informative content for diverse clients within the industry. Her dedication is evident in her commitment to exploring and articulating the latest trends, advancements, and optimal approaches within the insurance domain. Diana is devoted to assisting readers in comprehending and evaluating various options and products. Whether in need of a blog post, a newsletter, or a profile article, she possesses the capability to deliver top-notch content that aligns seamlessly with the client’s expectations and objectives. Ronald Mandela- Writer, InsuranceBlob Content Writer, Insurance Insights Over 6 years in the insurance industry Insurance Writing Maestro: Ronald Mandela, a seasoned content writer at Insurance Blob, brings over six years of dedicated experience in the insurance industry. Effective Communication Specialist: Renowned for his ability to transform intricate insurance concepts into engaging and accessible content for a broad audience. Industry Insight Contributor: Ronald contributes valuable insights into insurance through his in-depth articles and guides, catering to novice and seasoned readers. Minneapolis Insurance Perspective: This brings a unique regional perspective to insurance writing, addressing the specific concerns and trends within the Minneapolis insurance landscape. Continuous Learning Advocate: Committed to staying at the forefront of industry trends, Ronald ensures that his writing reflects the latest developments and innovations in the insurance sector. Ronald Mandela honed his writing skills and gained a deep understanding of the insurance landscape through years of hands-on experience and continuous learning within the industry. As a dedicated content writer, he plays a vital role in making insurance-related topics accessible and engaging for a diverse readership. Bonventure Hillman: Risk Management & Analysis Specialist - Risk Management Strategy - Data-Driven Insights - Financial Planning Solutions - Skilled analyst tackling complex risk management scenarios. - Joined the Insurance Blob in 2023, contributing beyond reporting. - Transforms data into actionable insights for diverse audiences. - Dedicated to accuracy and strategic thinking, he is a valuable asset to the team. - Bachelor of Science in Actuarial Science, Arkansas Tech University, USA. Contact email [email protected] Reach him out on social media Benson Clyde- Writer, Insurance Blob Current Insurance Writer, Insurance Blob Former Insurance Writer, New York Times JOINED INSURANCE BLOB Benson Clyde, an experienced Insurance Writer at InsuranceBlob.com, brings a wealth of knowledge and expertise to the realm of insurance. With a distinguished background as a former Insurance Writer at the New York Times, Benson’s writing journey has been marked by a commitment to providing valuable insights and information to a wide audience. Benson’s writing career took a significant turn when he joined the esteemed New York Times as an Insurance Writer. During his tenure, he honed his skills in producing insightful and informative content related to the insurance industry, gaining recognition for his ability to break down complex concepts for readers. In May 2023, Benson Clyde transitioned to Insurance Blob, marking a new chapter in his commitment to delivering high-quality and engaging insurance content. His experience and expertise contribute to the platform’s mission of educating and empowering readers with valuable insurance insights. Maya Scarlet, Writer Insurance Blob Maya Scarlett is not afraid of the unknown. She is passionate about the intricate world of insurance and enjoys converting complex numbers into compelling stories that empower people to navigate the unpredictable with confidence. At InsuranceBlob.com, she translates jargon into empathy, demystifying risk and empowering individuals to navigate the often-opaque world of insurance. Armed with an academic arsenal honed to dissect risk in all its forms, Maya’s educational journey reflects her multifaceted approach to the field. This program provided a holistic understanding of disaster preparedness, mitigation, and recovery, with a focus on social, environmental, and economic dimensions of risk. Delving into the psychological factors influencing insurance decision-making, this course equipped Maya with tools to design products and policies that resonate with people’s needs and biases. Maya’s expertise extends beyond crunching numbers. - Behavioral Risk Communication: Employing effective communication strategies to educate individuals and communities about risk and encourage responsible insurance behavior. - Emerging Risks and Innovation: From climate change to cyber threats, Maya keeps her finger on the pulse of the future, anticipating and preparing for the next wave of risk challenges. - Regulatory Compliance and Communication: Navigating the intricate maze of insurance regulations and translating complex concepts into clear, actionable language for everyone. Maya Scarlett is your guide through the labyrinthine world of risk. With her sharp data-driven insights and unwavering optimism, she empowers you to make informed decisions and face the unexpected with confidence. Read her articles and discover how your risk can be your greatest asset. Connect with Maya LinkedIn, Twitter, Medium Feel free to reach out for a chat, a question, or a deep dive into the fascinating world of risk and reward. Maya is always eager to share her knowledge and help you navigate the ever-changing insurance landscape with confidence. Nimrod, Writer Insurance Blob Introducing himself as Nimrod, the reliable source for unraveling the intricacies of auto insurance, he extends a warm welcome. Armed with a background in insurance studies from the University of California, he stands ready to simplify the complexities of insurance and empower individuals to make well-informed choices. Together, he invites readers to embark on a journey through the world of auto insurance. Your Trusted Guide to Insurance Navigation - In-depth Knowledge: Knight boasts extensive expertise in various insurance domains, making him a go-to authority on InsuranceBlob.com. - Renowned Expertise: Renowned for his systematic research, clear writing, and practical advice, Knight consistently delivers valuable insights tailored to your insurance needs. - Solid Foundation: With a bachelor’s degree in political science and sociology, Knight brings a unique perspective and wealth of experience to his insurance writing. - Real-World Insights: Knight’s diverse academic background and real-world understanding ensure the platform remains a reliable source for insightful and practical information. Why choose Knight? - Impartiality & Accuracy: Knight delivers unbiased and comprehensive information on various insurance products, helping you make informed decisions. - Tailored Content: Whether you’re a seasoned insurance professional or starting your journey, Knight’s content caters to your specific needs and knowledge level. - Valuable Insights: Gain valuable insights that empower you to navigate the complex world of insurance with confidence. Knight Creamland is a trusted resource for anyone seeking reliable and insightful information on various insurance products. His commitment to meticulous research, clear communication, and practical guidance make him a valuable asset to InsuranceBlob.com and a trusted guide for all your insurance needs. Nick Greenlight is an experienced individual in the financial sector, with knowledge spanning from investment management to income tax preparation. He has been writing informative essays on personal finance for over a decade and holds several credentials. Jose Vinci- Writer Insurance Blob Jose, a business enthusiast and a seasoned expert in the insurance field, extends a warm invitation. Having graduated from Eastern University with a degree in business administration, he brings a wealth of knowledge in insurance to the table. He welcomes others to join him as they delve into everything one needs to know about insurance. Link with him on Twitter, Facebook, Medium and LinkedIn We aim to provide 1. Informative Articles: Our articles cover a variety of insurance-related topics, including tips for choosing the right coverage, understanding policy terms, navigating the claims process, and maximizing your insurance benefits. 2. Expert Insights: We collaborate with insurance professionals and industry experts to bring you expert insights and perspectives. Their knowledge and expertise help us deliver accurate and reliable information to our readers. 3. Practical Tips: We provide practical tips and advice to help you save money on premiums, improve your insurance coverage, and make the most of your insurance policies. 4. Resourceful Guides: Our comprehensive guides offer step-by-step instructions, checklists, and resources to assist you in various insurance-related processes, such as filing a claim, comparing quotes, and understanding policy exclusions. 5. Community Engagement: We encourage active participation and engagement from our readers. Feel free to ask questions, share your experiences, and contribute to our community discussions. We believe in the power of shared knowledge and aim to create an interactive platform where insurance-related insights are shared and discussed. We value your feedback and suggestions. If you have any questions, comments, or ideas for topics you’d like us to cover, please don’t hesitate to reach out to us at [email protected]. We strive to respond promptly and provide the best possible assistance. Our Social Media Accounts Insurance Blob on Reddit Insurance Blob on X Insurance blob on Medium Insurance Blob on LinkedIn Thank you for visiting InsuranceBlob.com. We hope you find our content helpful and informative as you navigate the world of insurance.

https://insuranceblob.com/about-us/

LIVESTOCK & EQUINE Livestock & Equine insurance is a small investment that can make a huge difference. We offer many types of coverages to fit your specific needs. Full mortality, major medical and herd coverage are some of the most common. In the breeding business? We also offer bull infertility and prospective offspring coverages. FARM & RANCH Farm & Ranch Insurance is molded for exactly what it says it is. If you have a farm or ranch, equipment, pivots, trailers, livestock, barns, or tack, this policy is for you. Let us get you the correct coverages and the accurate liability limits for operating your farm or ranch. We can even include your home and auto at unbeatable rates. If you own your own business, let us get your property and equipment covered with a company that has great rates and a fast claims service. Oil Field Services? That's our specialty- we'll help you get the required liability coverages to operate your company with zero interruption. Being rooted in West Texas, crop insurance is mandatory. We have teamed up with the best company in the nation. RCIS offers producers the best coverage options available. Olive agents know crop insurance is crucial for a farming operation first hand. Whether you are a beginner or an experienced farmer/rancher, we can get your quotes and coverages fast. Relationships and up to date information are our top priority. Let us insure your livelihood. If you own your own business or farm, make sure you and your employees are taken care of with a workers compensation policy. We can get you a quote with Texas Mutual in minutes. Enjoy the great rates of Progressive with independent agents that you can get to know on a first name basis. I bet you didn't know that Progressive offers excellent rates on Boats, ATV's, RV's and Living Quarter Horse Trailers. LIFE & HEALTH Protect both your family & your future. Life Insurance isn't something a lot of people like to think about, but it really should be. Breathe easy knowing you are covered with quality insurance! Health Insurance can be stressful and choosing the right coverage for you & your family is important. We understand! Let us help you find the health plan that fits you best & leave all the stress out of it!

https://www.theoliveagency.com/services

Kenya Reinsurance Corporation (Kenya Re) is a leading reinsurer in Africa, with a history dating back to 1970. The Corporation is headquartered in Nairobi, Kenya, and provides reinsurance services to insurance companies in Kenya and other African countries. Kenya Re has established a reputation for delivering innovative risk solutions and excellent customer service, and it has played a significant role in the growth and development of the insurance and reinsurance industry in Africa. In this article, we will delve into the functions, leadership, and contacts of Kenya Reinsurance Corporation. Since its inception, Kenya Re has progressively and consistently continued to provide reinsurance services to more than 265 companies spread out in over 62 countries in Africa, Middle East and Asia. Functions Of Kenya Reinsurance Corporation The functions of Kenya Reinsurance Corporation include: - Reinsurance: Kenya Re provides reinsurance services to insurance companies in Kenya and other African countries. This involves sharing the risk of an insurance policy with another insurer or reinsurer, allowing the primary insurer to spread its risk and protect its financial stability. - Risk Management: Kenya Re provides risk management services to its clients, including risk assessment, risk analysis, risk transfer, and risk mitigation strategies. The company helps clients identify and manage their risks, reducing their exposure to losses. - Strategic Partnerships: Kenya Reinsurance Corporation collaborates with other insurance and reinsurance companies to expand its business reach and enhance its service offerings. The company also partners with government agencies and other stakeholders to promote the development of the insurance and reinsurance industry in Africa. - Client Relationship Management: Kenya Reinsurance Corporation places a high priority on maintaining strong relationships with its clients. The company has a dedicated customer service team that provides timely and personalized support to its clients, ensuring their satisfaction and loyalty. - Financial Reporting: Kenya Reinsurance Corporation maintains transparent financial reporting practices, providing regular reports on its financial performance to its shareholders, regulators, and other stakeholders. The company adheres to international accounting standards and is audited annually by independent auditors. - Underwriting: Kenya Re underwrites insurance policies on behalf of its clients. This involves assessing the risks involved in a particular insurance policy and setting the premium to be charged to the policyholder. - Investment: Kenya Re invests its funds in various financial instruments, including equities, bonds, and real estate, to generate income and maximize returns for its shareholders. - Research and Development: Kenya Re engages in research and development activities to improve its products and services. The company conducts market research and analysis to identify emerging trends and develop innovative solutions to meet the evolving needs of its clients. - Training and Education: Kenya Re provides training and education programs to its staff and clients to enhance their skills and knowledge in the insurance and reinsurance industry. The company also sponsors educational programs and scholarships for students pursuing careers in the insurance and reinsurance industry. - Corporate Social Responsibility: Kenya Re engages in various corporate social responsibility initiatives aimed at improving the well-being of communities in which it operates. The company supports education, health, and environmental initiatives, among others, to make a positive impact in society. Kenya Reinsurance Corporation Leadership The current leadership of Kenya Reinsurance Corporation is as follows: - Chairman: Catherine Kimura - Managing Director and CEO: Hillary Wachinga The board of directors comprises of experienced professionals from various sectors, including insurance, finance, and law. The board is responsible for providing strategic direction and oversight to the management team, ensuring that the company operates in compliance with all applicable laws and regulations and delivers value to its stakeholders. The senior management team is responsible for the day-to-day operations of the company and implementing the board’s strategic decisions. Kenya Reinsurance Corporation has a talented and dedicated workforce, comprising of over 300 employees, who are committed to delivering innovative risk solutions and excellent customer service to clients in Kenya and other African countries. Kenya Reinsurance Corporation Contacts The contact details for Kenya Reinsurance Corporation are as follows: Physical Address: Reinsurance Plaza, along Aga Khan Walk & Taifa Road, Nairobi, Kenya Postal Address: P.O. Box 30271-00100 Nairobi, Kenya Phone Numbers: +254 703 083 000 Social Media: Kenya Reinsurance Corporation is active on social media platforms, including Twitter and Facebook. Clients and stakeholders can follow the company’s social media pages to stay up-to-date with its news, events, and activities.

https://majira.co.ke/functions-of-kenya-reinsurance-corporation/

Mr. Glaser, age 54, is President and Chief Executive Officer of Marsh McLennan Companies. Prior to assuming this role in January 2013, Mr. Glaser served as Group President and Chief Operating Officer of Marsh McLennan Companies from April 2011 through December 2012, with strategic and operational oversight of both the Risk and Insurance Services and the Consulting segments of the Company. Mr. Glaser rejoined Marsh in December 2007 as Chairman and Chief Executive Officer of Marsh Inc. after serving in senior positions in commercial insurance and insurance brokerage in the United States, Europe, and the Middle East. He began his career at Marsh more than 30 years ago. Mr. Glaser was named Chairman of the Federal Advisory Committee on Insurance (FACI) in August 2014. FACI, which comprises experts from business, academia and consumer advocacy groups, as well as state insurance regulators, was formed in 2011 to provide advice to the Federal Insurance Office. Mr. Glaser also serves on the International Advisory Board of BritishAmerican Business and is a member of the Board of Trustees for The Institutes (American Institute for Chartered Property Casualty Underwriters), the Insurance Information Institute and Ohio Wesleyan University. Marsh McLennan Companies was also ranked 29th on the 2012 Bloomberg Businessweek 50, the magazine's annual ranking of the SP 500's top 50 performing companies. The reinsurance firm Guy Carpenter Company is acquired in 1923 a year after its founding by Guy Carpenter.

https://emailtheboss.org/executives/daniel-s-glaser-president-and-chief-executive-officer-of-marsh-mclennan-companies-email-address/

The Parametric Post, the only newsletter dedicated to parametric insurance. You can sign up for free here. The InsTech perspective… parametric risk transfer enabling loss prevention Whilst the principal role of insurance is to help people and organisations recover after a loss, measures that prevent losses from occurring benefit insurers and policyholders alike. In practice, loss prevention is expensive and insurers may lack enough incentive to invest in measures that reduce their policyholders’ risk. Carolyn Kousky, Associate Vice President for Economics and Policy, Environmental Defense Fund, explained on InsTech podcast episode 243 that whilst public sector insurance programmes often offer grants to policyholders to fortify their homes against catastrophic risks, this has not been achieved in the private insurance sector. Public sector programmes benefit from reduced claims and reinsurance costs in the long term, whereas private insurers that invest in loss prevention may not benefit if their policyholders switch insurers. Guy Carpenter, in collaboration with Queen Mary University of London’s Dr. Franziska Arnold-Dwyer, has proposed a new financial instrument, the Climate Resilient Development Bond (CRD Bond) as a solution to this problem. It combines parametric risk transfer with financing for loss prevention projects to help communities become more resilient to climate events. The CRD Bond structure focuses on a community vulnerable to a climate-related risk, such as flood or hurricane. The local municipality purchases parametric insurance against the peril on behalf of its community; any pay-out would be distributed as grants to affected citizens. It also plans a loss prevention project, such as building flood defences or renovating homes with hurricane-resistant roofs. The insurer reinsures the municipality’s risk using an insurance-linked security (ILS) mechanism, whereby capital markets investors can earn interest by taking on the risk. If the parametric trigger is met, the insurer pays the municipality and is fully reimbursed by investors’ funds. Meanwhile, some of the investors’ funds are also used to finance the loss prevention project. While more communities and businesses are now adopting parametric insurance to help them recover after catastrophes, insurance is only part of improving resilience. The CRD Bond is just the latest example of how parametric insurance products can be integrated with mitigation measures to help minimise and prevent loss. Cyber • ILS • InsTech article To underwrite more cyber risks, insurers need new sources of reinsurance capacity. Insurance-linked securities (ILS) allow insurers to access capacity from capital markets. Although parametric triggers have been considered for cyber risks, most early examples of cyber ILS transactions have used indemnity triggers. InsTech’s latest article looks at major recent transactions and considers what insurers and technology companies should take into account when structuring and bringing to market cyber ILS transactions. In the news… US • Hurricane • InsTech podcast Parametric insurance technology company Raincoat has launched a parametric hurricane microinsurance product in Puerto Rico with Popular Insurance. Individuals can buy up to $3,000 USD of coverage online. Pay-outs are triggered by data from the National Hurricane Center. Popular Insurance is an affiliate of Puerto Rican bank Banco Popular, which participated in Raincoat’s seed funding round in 2022. To learn more about Raincoat, hear from Co-founder and CEO Jonathan Gonzalez on InsTech podcast episode 183. Hurricane • Cyclone • Typhoon Modelling firm Reask, founded in 2018, has raised $4.6 million USD in a seed funding round, bringing its total funds raised to date to $6.55 million USD. Reask’s tropical cyclone data and models are used in designing and triggering parametric insurance policies. Reask plans to use the funding to expand its range of models. Look out for InsTech’s upcoming podcast episode with Head of Parametric Products David Schmid to learn more about Reask. UK • Travel • InsTech interview Getcover.com, a trading name of Newpoint Insurance Brokers, will provide parametric flight disruption coverage to policyholders of its ‘Gold Tier’ policies through a partnership with technology provider Blink Parametric. If a policyholder’s flight is delayed by two hours or more, they receive an airport lounge pass or £30 GBP cash pay-out. The product is underwritten by insurer Financial & Legal. To learn more about Blink Parametric, you can read our recent interview with Chief Commercial Officer Carl Carter. US • Business interruption • Terrorism MGA New Paradigm Underwriters has announced that Lloyd’s syndicates AEGIS London and Talbot Underwriting are providing capacity for its parametric terrorism insurance product. The product pays out when terrorist events occur within a radius of an insured location, or at other key locations where attacks would cause a business interruption loss, such as an airport or power station. New Paradigm is providing coverage limits of up to $50 million USD. Hurricane • Blockchain • InsTech podcast Arbol, which underwrites parametric climate and weather insurance, has announced that its “dRe” platform is live, allowing parametric reinsurance transactions to use blockchain-based smart contracts. Arbol already uses blockchain technology for parametric insurance and it has worked with The Institutes RiskStream Collaborative, an insurance industry consortium focused on blockchain technology, to extend this to reinsurance, initially for named storms. To learn more about Arbol, hear from Founder and CEO Sid Jha on InsTech podcast episode 208. US • Typhoon US territory Guam experienced strong winds and heavy rainfall when Typhoon Mawar passed it on 24 May, causing physical damage, power outages and water supply issues. Martin Hotz, Head of Parametric Nat Cat, Swiss Re Corporate Solutions, says Swiss Re made pay-outs to parametric policyholders within three weeks. Climate • InsTech article The Global Shield, a climate insurance initiative announced at COP27, has launched the Global Shield Solutions Platform, which will fund climate risk finance and insurance solutions in vulnerable countries. You can learn more about the Global Shield in InsTech’s article, “Parametric initiatives at COP27: what you need to know”. Skyline Partners to use satellite data for new lines of business Marine • Aviation • Agriculture Skyline Partners, which specialises in creating and operating parametric insurance solutions for insurers and brokers, has announced a partnership with Spire Global, a satellite data provider. Spire uses satellites to collect information on weather, shipping activity, flight tracking and climate variables. Skyline plans to use this data to develop new parametric products for the marine, aviation and agriculture sectors. XS Global enters Florida parametric market US • Hurricane MGA XS Global, which has underwritten parametric natural catastrophe coverage in the Caribbean and Latin America for several years, is now expanding to Florida. It will offer parametric hurricane insurance to medium-sized enterprises, retail businesses, high-net-worth individuals and luxury homeowners. Warm winter triggers $12.9m pay-out to energy company US • Energy • Temperature Star Group, an energy company operating in 19 US states, has received a pay-out of $12.9 million USD from a weather derivative following warm weather in New York City in the first quarter of 2023. Weather derivatives are tradeable financial contracts that are used to hedge against weather risks. They are a form of parametric risk transfer, but unlike parametric insurance, weather derivatives are not regulated insurance products. Energy companies such as Star Group use temperature derivatives to hedge against the risk of lower revenues from decreased energy usage in warm weather. $32m Puerto Rico parametric cover fulfils FEMA requirements US • Hurricane • Earthquake The government of Puerto Rico has purchased a parametric insurance policy providing it with $32 million USD of coverage against hurricanes and earthquakes. It bought this coverage to provide quick funds to respond after a catastrophe and comply with US Federal Emergency Management Agency (FEMA) requirements. To be eligible for financial assistance from FEMA after a disaster, the agency requires that territorial governments and other public bodies are covered by sufficient insurance. Mitsui Sumitomo and Hillridge launch Vietnam drought cover Vietnam • Drought • Agriculture Hillridge Technology, which develops parametric weather and catastrophe insurance products focused on the agriculture sector, has agreed a partnership with insurer Mitsui Sumitomo Insurance Group (MSIG) in Vietnam. MSIG will offer parametric drought insurance through Hillridge’s platform to Vietnamese farmers. Hillridge already works with MSIG to provide weather insurance to farmers in Australia. Drought insurance pilot in Kyrgyzstan covers livestock farmers Kyrgyzstan • Agriculture • Drought The Kyrgyz Forum of Agriculture Advisory Services has purchased $1.19 million USD of parametric coverage to support 4,500 vulnerable livestock farming families in the event of a drought. The United Nations World Food Programme worked with technology company Blue Marble on the coverage, which is backed by capacity from local insurer A Plus and reinsurer Zurich. Find out what you’ve missed… Sign up here to receive the latest news, stories and insights on parametric insurance every two weeks.

https://www.instech.co/knowledge-centre/parametric-risk-transfer-enabling-loss-prevention-the-parametric-post-issue-51/

Global insurer, Liberty Mutual Insurance has announced that it has been selected by rideshare provider, Lyft, to provide cover for its drivers using its rideshare platforms, effective today. Under the program, Liberty Mutual provides specific coverages for drivers in Arizona, Michigan, New Mexico, Texas and Utah, and will cover from the time a driver has their Lyft app on to app off. Senior Vice President and Chief Underwriting Officer (CUO), David Blessing, commented: “We’re excited to have been selected to take part in Lyft’s auto insurance program. “Drawing on Liberty Mutual’s deep expertise in both commercial and personal lines, we are able to deliver complex risk management solutions to meet the insurance needs of one of the preeminent companies in the sharing economy.” Vice President, Product Technology Solutions, Nicholas Grant, further noted: “We’re pleased that Lyft recognizes our dedication to innovation as we continue to develop compelling products and services that meet customers’ changing needs. “Our Mobility Practice brings together specialized underwriting, actuarial, claims, and service teams for rideshare giants like Lyft, as well as car subscription, vehicle sharing, delivery services, and autonomous vehicle companies.” Last week, it was announced that insurer Allstate has also been selected to provide commercial auto coverage to Lyft in a number of states.

https://www.mediadictos.com/archives/709

The first ever European Fire Safety Week The aim of the event – hosted by the European Fire Safety Alliance over four days, 18-21 November and dedicated to respectively Community Fire Safety, Fire Safety in Buildings, Electrical Fire Safety and Energy Transition, and Smoke+Furniture Fire Safety – was to share creative, pragmatic and successful initiatives to reduce fire risk in Europe as developed by national authorities, the industry, organizations and other professionals active in the fire safety sector. To reduce fires in buildings through Europe, the European Fire Safety Alliance will propose, based on the findings of the 2019 European Fire Safety Week, an EU action plan, based on best practices, research and recommendations collected during the event. This final document will be presented to MEPs and the European Commission at a Fire Safety Future meeting, to be held at the beginning of 2020. Click here to get more information. Building Fire Safety day This conference aimed at presenting how a holistic approach could improve safety of all European citizens in case of fire in residential buildings. Topics addressed during the day included the identification of gaps, best practices, compliance to EU legislation and standards and proper enforcement as well as the roles and responsibilities of all actors involved in the value chain for fire safety. According to this framework, buildings are considered fire safe if the following 7 layers are covered: Abstract from the Europacable presentation Cables provide an essential contribution to the DETECTION layer (fire alarm cables provide continuity of communication and data transfer during fire), the EVACUATION layer (Low Fire-Hazard cables (LSHF) reduce dramatically smoke and hazardous emissions in case of fire) and FIREFIGHTING (fire resistant cables provide continuity of power and communication to all crucial devices to help rescue teams). The CPR for cables provides National Regulators a sophisticated tool to select the appropriate performance for every fire hazard. At the present time, National Regulations have been established across Europe specifying CPR Classes between Eca and B2ca. Europe’s leading cable manufacturers provide the full range of cables for each required performance. The top performing cables are the Low Fire-Hazard families certified in Classes B2ca and Cca that release limited heat and help to reduce significantly smoke and harmful emissions. Performance is nothing without surveillance! Enforcement is key to ensure that compliant cables are used properly. Defining the rules it is not sufficient. - Rules need to be properly applied ⇒ Key the cooperation with Notified Bodies (3rd party laboratories who release test reports and certifications) - Rules need to be known by all relevant actors ⇒ Europacable CPR Awareness campaign - Rules needs to be respected ⇒ Support to Market Surveillance Authorities

https://cpr.europacable.eu/ie/european-fire-safety-week

Brown & Brown has revealed that its subsidiary has snapped up the assets of a managing general agent (MGA) based in Texas. Brown & Brown subsidiary Texas Security General Insurance Agency has acquired all of the assets of Loving and Etheredge d/b/a Texas Commercial Insurance Facilities (TCIF), as well as TCIF-affiliate Arkansas Insurance Facilities (AIF). Don Etheredge and Harold Loving founded TCIF in 1990 - it served as an MGA for retail insurance agents in Texas placing commercial and personal surplus lines P&C business. AIF provides similar services for retail agents in Arkansas. Together, the two firms have annual revenues of approximately $2 million. Following the acquisition, the TCIF and AIF teams will join Brown & Brown’s wholesale brokerage division at branch locations of Texas Security General Insurance Agency. Both teams will also report to Texas Security General Agency president Tom Contreras. “TCIF and AIF have distinguished themselves with their outstanding service and stability, which has enabled them to build strong, long-term relationships with their retail agents and carrier partners,” Contreras said in a statement. “We are excited about the opportunity for TCIF and AIF to help expand our footprint in Texas and Arkansas and look forward to growing our businesses together.” “We are eager to join forces with Tom and his staff at Texas Security. Together with our new partners, the TCIF and AIF teams will continue to offer the highest standard of products and services for our customers as we have provided for the past 28 years,” commented Etheredge. In May, Brown & Brown secured a foothold in Hawaii through the acquisition of Servco Pacific Insurance, which also serves the Pacific Northwest.

https://www.insurancebusinessmag.com/us/news/breaking-news/brown-and-brown-in-mga-acquisition-103879.aspx

The premier three-day event featured industry-shaping insights for attendees The 2023 Global Insurance Symposium brought together industry and regulatory leaders from around the world for three days of collaboration, networking and learning in Des Moines, Iowa, – the hub of the US insurance industry. With the theme of “Thriving in a Changing World,” 500 attendees participated in relevant panels, networking opportunities, breakout sessions and more, gaining valuable insight and direction. “The Global Insurance Symposium offered industry expert speakers and attendees the ideal setting for collaborative efforts as we to continue to strengthen the insurance industry heading into the future,” said Jay Byers, President & CEO of the Greater Des Moines Partnership. “Greater Des Moines is an insurance hub, and we were grateful to showcase the innovative work happening in this industry to a global audience.” The 2023 Global Insurance Symposium, held in April, featured many notable panelists and featured presenters, offering education and networking opportunities to insurance, insurtech and startup representatives. Highlights from the premier event included: - InsurTech Founder Panel – led by Manish Bhatt, CEO and Co-Founder of Plum Life; Bill Suneson, CEO of Bindable; and Brent Williams, Founder, CEO and President of Benekiva - Commissioners Panel – moderated by Patrick Hughes, Partner of Faegre Drinker; panelists include Jim Donelon, Insurance Commissioner of Louisiana, Nathan Houdek, Commissioner of Insurance, Wisconsin; Mike Kriedler, Insurance Commissioner of Washington; and Andy Mais, Insurance Commissioner of Connecticut - Global Panel – moderated by Christine Holmes, Partner, EY; panelists included Petra Hielkema, Chairperson of EIOPA; John Huff, CEO of the Association of Bermuda Insurers and Reinsurers; Susan Neely, President and CEO of the American Council of Life Insurers (ACLI) and Michael Cosendine, CEO of NAIC - CEO Panel – moderated by Doug Ommen, Insurance Commissioner of Iowa; panelists include Anant Bhalla, CEO and President of American Equity Investment Life Holding Company; Jeff Dailey, Chairman of Farmers Insurance; Kendall Jones, President and CEO of ProAg; and Tom Swank, Chairman & CEO of American Enterprise Group - Global Insurance Accelerator Demo Day - Student Case Study Competition The Global Insurance Symposium’s opening and closing remarks were delivered by co-chairs Jason Gross, Vice President & Head of Platform for ManchesterStory and Aaron Pearce, General Counsel for Berkley Agribusiness and Continental Western Group. Iowa Governor Kim Reynolds delivered the event’s welcome remarks. This year’s featured global keynote speakers were Lard Friese, CEO and Chairman of the Executive Management Board, Aegon N.V., Will Fuller, President and CEO of Transamerica, and Peter Gailliot, Managing Director, Global CIO of the Financial Institutions Group (FIG) and Head of Fixed Income FIG Portfolio Management at BlackRock. About the Global Insurance Symposium: Since its inception in 2014, the Global Insurance Symposium has hosted thousands of leading insurance and financial service professionals and regulatory authorities. During the GIS three-day event, attendees hear from the world’s most renowned insurance experts and interact with fellow insurance industry colleagues from around the globe. The Global Insurance Symposium is presented by the Greater Des Moines Partnership, the Iowa Insurance Division, the Iowa Economic Development Authority and members of the Iowa insurance industry. For more information, please visit: globalinsurancesymposium.com.

https://www.liveinsurancenews.com/industry-global-insurance-symposium/8556471/

Meghan Dibbini is a senior associate in WSHB's White Plains office. She focuses her practice on employment practices liability claims, construction accidents, and complex general liability matters. Meghan also assists our national insurance coverage practice by advising and representing domestic and international insurers on first-party property (Homeowner’s and Commercial), commercial general liability, and professional errors and omission claims. This work includes a wide variety of first-party and third-party insurance cases, including the interpretation of policy provisions and exclusions. Meghan graduated magna cum laude from the Elisabeth Haub School of Law at Pace University. While there, she served as an articles editor for the Pace Law Review and a member of Pace Law's Oral Advocacy Program. She also participated in moot court and national mock trial competitions and served as a student mentor and note taker. Throughout law school Meghan took part in the Courtroom Advocates Project, preparing and filing orders of protection for pro bono advocacy groups supporting victims of domestic violence. Competitively selected to participate the Pro Bono Scholar Program, Meghan provided pro bono legal services directly to indigent clients in Yonkers Housing and Family Court. Meghan was also selected for the Federal Judicial Honors Program, dedicating a semester interning for the Hon. Paul E. Davison, Federal Magistrate Judge for the Southern District of New York. Meghan earned her undergraduate degree, summa cum laude, in Forensic Psychology from the College of Saint Rose. - Elisabeth Haub School of Law at Pace University (J.D., 2019, magna cum laude) - College of Saint Rose (B.S., 2016, summa cum laude) Licensed to Practice in - New York - Article, 11.18.22 - Article, 3.23.22 - New York State Bar Association - Westchester County Bar Association

https://www.wshblaw.com/professionals-meghan-dibbini

All 4 Subsidiaries Grow At Thompson Insurance GIRARD – Thompson Insurance Group, a family business based in Girard, had a successful 72nd year as it gave back to the community, welcomed new faces and experienced growth within each of its four subsidiaries, says Andrew D. Thompson, vice president and partner. The Gibson Agency, the company’s personal and commercial lines division, spent much of 2019 working on the redesign of its website. The new site will be more interactive and user-friendly and feature a client portal that will allow customers to make payments, submit policy change requests and much more. An online chat feature will be available. The agency also added two employees: Leslie Sams joined the team as a personal risk manager and Bonnie Glavan as a commercial risk manager. In terms of revenue growth, Thompson Private Client experienced the biggest gain in 2019 with a 32.2% increase. “We attribute this increase to successful individuals recognizing they’ve outgrown standard insurance products,” Thompson says. With an increase of 31.9% last year, the commercial lines division was a major growth engine as it focused on the growing need for cyber coverage. With anticipation for even more growth in 2020, the agency recently hired two staff members to bolster its commercial department. Thompson’s other divisions grew as well. PetBiz Insurance was up 11.6% while Gibson Agri & Equine Insurance grew by 6.1%. The personal lines division saw an increase of 5.8%, Thompson says. As it strives to make an impact in the community, Thompson Insurance Group donated $45,000 to charitable causes. Among them were the American Red Cross Sound the Alarm Campaign, the annual Tri-County Heart Walk and Project MKC’s Adopt-a-Family program. Copyright 2024 The Business Journal, Youngstown, Ohio.

https://businessjournaldaily.com/all-4-subsidiaries-grow-at-thompson-insurance/

Insurance is a big term today. It is done to protect something’s absence in the form of a claim. The funds are invested by insurance companies like Erie and Allstate in a protected and secure manner so that they can be claimed with the utmost care during a mishap occurrence. - Erie Insurance offers highly personalized coverage and exceptional customer service, while Allstate is a larger, nationally recognized insurer with a broader range of services. - Erie provides lower premiums and more customizable policies, whereas Allstate offers numerous discounts and a wider network of agents. - Both companies have strong financial ratings, but Allstate has a more extensive online presence and digital tools for policy management. Erie vs Allstate The difference between Erie and Allstate is that Erie is an insurance company that has low costs and investments with lesser discount options, whereas Allstate is an insurance company with comparatively high investments and better discounts. Though both companies have a good track record but detailed comparison matters. Erie is an insurance company that has major users as ordinary people who earn less than people with high standards. But in a catch, it has fewer discount schemes and options. Erie also has a nice rating and fewer complaint tracks. It operates under 12 states of the US. It operates in several countries and owns a rank in the world. The complaint track of Allstate is also a bit large. |Parameters of Comparison |Erie is not a widely spread organization and it does not have a large sector. |Allstate is spread over countries and has a bigger sector than Erie. |Erie has fewer investments and additional costs in a variety of sections. |Allstate’s investment and other expenses always exceed Erie’s in almost all sections. |Erie can be made to be a good fit for all those people who like better customization and service. |Allstate does not offer the variety of customization options that Erie has. |For dealing with reckless driving, speeding tickets, and insurance, Erie has very suitable insurance policies. |Allstate is not a better option when it comes to at-fault collisions, driving citations, etc in insurance. |Erie is best-in-class for its service, pricing, and overall satisfaction of the customers besides having fewer discount options. |Allstate is also a reputed and important insurance company but overall customer satisfaction and reviews are average. What is Erie? Erie is an insurance company that features affordable policies and good customer service ratings. It was established in 1925 in Pennsylvania, USA. Erie is a very old and reputed insurance company in today’s time. It has been featured in thousands of articles on the internet and is known for its affordable plans. The company offers almost all the policies of the insurance sector, like car insurance, health insurance, life insurance, and real estate. Erie has a good track record, but people only complain about the lack of good discounts and profit options. Though it has affordable policies, people still demand more because it is made with a central idea of capturing people with less or average per capita income. The flaw which most people notice is regarding the fewer discount schemes available. Besides this, it is not operational in major parts of the world. It is a USA-based company and operates in almost twelve states of the US. It is also bad for people who prefer to manage and update their policy requirements online because online managements are not okay. The agents who interact with people make the reach, marketing insurance, and claims. What is Allstate? The Allstate Corporation insurance company is also a US-based company that was established in 1931. Allstate is an insurance company that also deals with all the sectors of insurance which people use, but the investments and expenses of Allstate are high and large. Allstate is also known for the big discount schemes and offers that let most people benefit from it. The figures and valuations of Allstate are also large as the company is operational over a wide part of the world. It is spread over several countries and managed to form a big audience. Like Erie and other insurance brands, Allstate offers insurance varieties like health, life, vehicle, and general national policies. Allstate is also operational in online terms and best in offline terms. Besides these, it does not offer good service and terms in the case of several insurance policies. Moreover, the claim satisfaction guarantee is good. In the eyes of normal customers, Allstate is all about investment unless they get the benefit of it. Allstate is also known to be very inflexible with its terms and conditions. They run over a strict set of rules. As already mentioned, Allstate has fewer customization options also. Main Differences Between Erie and Allstate - Erie has better criteria and suitable options for customers with poor credit (more than 740 dollars), whereas Allstate does not cope with fewer credits (higher than 1800 dollars). - Erie does not have better discount policies and investment returns in the company’s chart, whereas the returns, favours, and discounts on Allstate are better. - The customers of Erie are ordinary people whose incomes are average or low, whereas Allstate is for people with high incomes and better resources. - Erie’s online functioning and work customization are not good, whereas Allstate is operational both online and offline. - The organizations’ ratings on Erie are excellent, whereas they are average for Allstate. Last Updated : 13 July, 2023 I’ve put so much effort writing this blog post to provide value to you. It’ll be very helpful for me, if you consider sharing it on social media or with your friends/family. SHARING IS ♥️ Chara Yadav holds MBA in Finance. Her goal is to simplify finance-related topics. She has worked in finance for about 25 years. She has held multiple finance and banking classes for business schools and communities. Read more at her bio page.

https://askanydifference.com/difference-between-erie-and-allstate-with-table/

Indore: Some accidents are happening every day in MP. Now, an atmosphere of panic has been created in Indore city due to the explosion of several gas cylinders with a loud explosion. The gas cylinders caught fire after the blast, two people were badly injured in this accident. Fire in gas cylinders after blast: Let us tell you that this accident took place in Kshipra area of Indore district on Friday afternoon. Several gas cylinders kept in a shop in Kshipra of the district caught fire after the blast. There were 8 explosions one after the other. The blasts were so strong that even the walls of the shop collapsed. Panic in the area after the incident: According to the information received so far, two people were injured in this accident. The roof of the shop was also damaged due to the explosion of 8 gas cylinders. Two other shops adjacent to it also caught fire. After the incident, there was an atmosphere of panic in the area. Reports say that accidents have happened in Indore before also. Just yesterday, a similar accident took place in Khajrana area of Indore city of Madhya Pradesh. Here a gas cylinder in a house exploded with a blast. A girl was injured in this accident. She was taken to the hospital for treatment. Was admitted.

https://english.newstracklive.com/news/there-was-a-terrible-explosion-in-8-cylinders-one-after-the-other-kshipra-was-shocked-by-the-blast-mc23-nu901-ta371-1305298-1.html?s=rsts

Introducing the ultimate showdown in the world of insurance - Farmers Insurance Group VS State Farm Insurance. Get ready to dive into the captivating history and uncover the differences between these industry giants. Strap in, because this epic tale will take you on a wild ride through time, showcasing their rise to prominence, innovative approaches, and how they've shaped the insurance landscape. So sit back, relax, and let's embark on this thrilling adventure. Once upon a time, in the vast realm of insurance, two powerful entities emerged - Farmers Insurance Group and State Farm Insurance. These behemoths have been at the forefront of the industry for decades, each with its unique story to tell. Let's start with Farmers Insurance Group. Picture a young company founded in 1928 by John C. Tyler and Thomas E. Leavey, who had a vision to provide quality insurance coverage to farmers in rural America. Back then, farming was a way of life for many, but it came with its fair share of risks and uncertainties. Farmers Insurance stepped up to the plate and offered comprehensive policies tailored specifically for those hardworking individuals. As time went on, Farmers Insurance expanded its reach beyond just farmers and began offering coverage to non-agricultural customers as well. This strategic move allowed them to tap into a broader market while still honoring their roots. Fast forward to today, and Farmers Insurance Group has become a household name across the United States. They boast an extensive range of insurance products, including auto, home, life, business, and even specialty lines like motorcycles and recreational vehicles. With their iconic jingle "We are Farmers. Bum ba-dum bum bum bum bum," they've etched themselves into our collective memory. Now let's turn our attention to State Farm Insurance - another heavyweight contender in this battle for insurance domination. Founded in 1922 by George J. Mecherle, State Farm had a similar purpose: providing reliable and affordable insurance coverage to those in need. Mecherle, a retired farmer himself, understood the importance of protecting one's livelihood and set out to make insurance more accessible. State Farm Insurance quickly gained traction, thanks to their innovative approach. They introduced the concept of agents who sold directly to customers, cutting out the middleman and streamlining the process. This novel idea revolutionized the insurance industry and allowed State Farm to offer competitive rates while maintaining excellent customer service. As years passed, State Farm Insurance expanded its product offerings beyond just auto and fire insurance. They ventured into life insurance, banking services, mutual funds, and even opened their own credit union. With an extensive network of agents across the country, State Farm became a trusted name synonymous with protection and reliability. Now that we've established the origins of both Farmers Insurance Group and State Farm Insurance let's delve into their differences. While both companies offer a wide array of insurance products, they have distinct approaches and strengths. Farmers Insurance Group prides itself on its personalized approach to insurance. They believe in tailoring policies to fit each individual's unique needs. With a focus on customer service, Farmers Insurance agents strive to build lasting relationships with their clients, guiding them through the intricacies of insurance coverage. On the other hand, State Farm Insurance emphasizes its vast network of agents as a key differentiator. Their extensive agent force ensures that customers have access to personal assistance whenever they need it. Whether it's filing a claim or seeking advice on coverage options, State Farm agents are there for their customers every step of the way. Another notable difference lies in their marketing strategies. Farmers Insurance Group has gained recognition through memorable advertising campaigns featuring quirky characters like Professor Burke and their famous jingle. These creative endeavors have helped solidify Farmers Insurance as a brand that stands out in a crowded market. In contrast, State Farm Insurance has made waves with their sponsorship of major sports events like NBA games, NASCAR races, and even the PGA Tour. By aligning themselves with these high-profile events, State Farm has successfully increased brand visibility and showcased their commitment to community involvement. As we conclude this epic tale of Farmers Insurance Group VS State Farm Insurance, it's clear that both companies have made significant contributions to the insurance industry. Through their rich histories and distinct approaches, they've shaped the way we perceive insurance and have become trusted allies in protecting our lives and assets. So whether you choose Farmers Insurance Group or State Farm Insurance, rest assured that you're in good hands. These industry giants continue to innovate, adapt, and provide comprehensive coverage for all your insurance needs. Remember, when it comes to protection - the choice is yours.

https://sheldonknows.com/farmers-insurance-vs-state-farm.html

EGK-Gesundheitskasse – close to nature and reliable From an early stage, EGK-Gesundheitskasse offered its insured persons barrier-free access to complementary medicine treatments. To this day, this is its speciality. Basic and supplementary insurance EGK-Gesundheitskasse offers attractive solutions in basic and supplementary insurance. If you decide to take out basic as well as supplementary insurance from us, your confidential data will not be exchanged between the two insurance lines. While you can still benefit from a comprehensive insurance solution from a single source. People take centre stage “The healthy choice” is not just a slogan, it’s our philosophy. Everyone bears a shared responsibility for their health. We help you to promote, foster and conserve it. In doing so we rely on professional advice and personal service by agencies in your area. And because your privacy is immensely important to us, we also don't engage in annoying telemarketing and don't work together with insurance brokers. The EGK Group and its employees stand for the competent execution of the insurance business, from start to finish. Annual report 2022 Nature, sustainability and strong key figures characterize our annual report. Shaped and managed by strong values: this is what defines EGK-Gesundheitskasse. Nature, sustainability and health – EGK promotes these to the benefit of its insured persons.

https://www.egk.ch/en/about-us/portrait

The Cayman Islands Financial Authority (CIMA) has showed the issuance of 40 new world insurance coverage licenses, the biggest selection of licenses issued in one 12 months in additional than a decade, in line with its quarterly insurance coverage sector licensing statistics. Kieran Mehigan, Chairperson, The Insurance coverage Managers Affiliation of Cayman (IMAC), commented, âIn spite of an overly aggressive world marketplace, the Cayman Islands is an increasing number of the jurisdiction of selection for insurance coverage firms due to our extremely advanced captive trade, transparency, integrity, skilled but versatile risk-based legislation, and obtainable business-focused regulators.â The CIMA just lately launched licensing statistics for This fall 2023 which confirmed that between October and December 2023, CIMA issued 15 new world insurer licenses that encompass 8 B(i)s, six B(iii)s and one Magnificence C, in addition to two new portfolio insurance coverage firms. Along with the decade-high of 40 new world insurers, CIMA issued licenses to 8 portfolio insurers and one magnificence D open marketplace reinsurer. Conventional single-parent captive authorized as B(i) licensees from quite a lot of industries have observed an building up in 2023. The B(iii) license magnificence, majority third-party enterprise, has observed a better building up in numbers as Cayman draws new reinsurers, in particular existence reinsurance firms. Mehigan added, âThe trade recognizes that CIMA were key in supporting this forged expansion thru their certain engagement, responsiveness, and readability during the licensing procedure. The prerequisites that enabled record-setting new enterprise in 2024 have laid the root for a actually remarkable 12 months for the trade in 2025.â With the addition of recent licensees in This fall 2023, there are actually 683 Magnificence B, C and D insurance coverage firms authorized within the area. That is the second one easiest selection of such firms in Cayman since 2017. CIMA has urged that an extra 12 license programs stay beneath evaluate. This expansion in reinsurance process is anticipated to proceed into 2024. The volume of premiums written and general property controlled by way of insurance coverage firms authorized in Cayman doubled in This fall 2023 and now stand at $58 billion and $139 billion, respectively.

http://afgrossepointe.org/archives/1364

Fire-Dex is pleased to announce the promotion of Jackie Dobro to Sales Administrator, effective January 3, 2017. Jackie will be joining the Regional Sales team and will have overall responsibility of sales lead contact & qualification, salesforce.com administration, bid process management, contract Medina, Ohio - December 5, 2016 - Fire-Dex is pleased to welcome Jamie Marks to the Fire-Dex team as Human Resources Manager. Volunteer Firefighter Jamie Brock has served his community in his volunteer firefighter role for more than 30 years. On September 28, 2016, he went above and beyond the call of duty. He heard on his pager of an active shooter at a local school, Townville Elementary School. He immediately rushed to Fire-Dex is pleased to announce the promotion of Nick Lino to a Team Leader Position. In his new role, Nick will be instrumental in planning and assigning work, implementing procedures and company policies, coaching and developing teams, and all other team leader functions. Nick is currently Each year the Fire-Dex Sales, Marketing and Management Teams head to Indianapolis for FDIC. This annual event draws firefighters, first responders and those serving the fire service from all around the world. At this weeklong event, Fire-Dex staffs a booth on the exhibit floor, hosts meetings with Last month on Saturday, June 4 th , Fire-Dex Customer Service Rep Jackie (Finau) Dobro was married in a beautiful, outdoor ceremony at Sun Valley in Chagrin Falls, Ohio. We wish Jackie and her husband, Todd many years of happiness and love. As you have seen on the news around the country, West Virginia was hit with major, catastrophic floods earlier this week. Much of the state was declared a state of emergency. Many of the fire departments in the state were also impacted by the flooding and incurred loss as well.

https://blog.firedex.com/blog/tag/on-deck-at-the-dex/page/5

KEK Insurance Brokers Ltd. hosted a group of Twenty-three (23) Insurance Students from the University of Ghana Business School on Friday 22nd December 2023 at their head office. The students who are members of the Insurance Student Association of University of Ghana were on an educational tour with the aim of having an overview of insurance industry and career path they have chosen and to better understand the insurance broking business. The team was received and warmly welcomed by the MD Mr. Shiabu Ali and were giving a physical tour of KEK Business premises. As part of the program, the team had the opportunity to be lectured by our seasoned unit heads on the day-to-day operations and the various functions of units with the focus on underwriting and insurance policy management. The students were also guided on making the right career choices with practical real-world experience. The tour and accompanying teaching, enlightenment, and instruction by KEK Brokers illustrates a keyway forward towards properly linking up corporate Ghana with the teeming number of graduates being produced in Ghana each year. The conventional wisdom is that part of Ghana’s inordinate graduate unemployment problem arises from the wide gap between academic study, even of processional courses such as insurance, and the practicalities of the professional jobs they are required to do upon joining a corporation. At the recent tour of KEK Brokers by insurance students, there were taken step by step through the task that insurance brokers carry out, how they are done, by whom and from where. This should serve as a model for other corporations who want new university graduates entering their manpower base that already know what is to be expected of them as professionals, and just need to add on the job experience to their capacities. KEK Insurance Brokers has assured that it will collaborate with the Executives of the student association to have more of such engagements in the future. KEK as part of its corporate social responsibilities will give opportunities to the students to have their industrial attachments, internship, national service, and possible future employment opportunities. The students’ executives expressed their appreciation to management and staff of KEK for hosting them and having such an educative program. Most of KEK Broker’s top management staff are from the University of Ghana, including the company’s current Managing Director. KEK Brokers is the biggest insurance brokerage in Ghana with an industry market share of 15.4%.

https://kekgroup.net/kek-hosts-ug-insurance-students/

Focus: Introduction of our thermal coal policy Swiss Re supports the worldwide reduction of greenhouse gas emissions and contributes to limiting global warming to 1.5–2°C above pre-industrial levels. To this end, we continually review measures to assist the transition to a low-carbon economy. Reflecting our commitment, in 2015 we signed the Paris Pledge for Action (www.parispledgeforaction.org) to affirm our support for the Paris Climate Agreement. After a range of measures we have taken over the years in our product development, risk management and operations, we have recently taken a further significant step. In July 2018, we introduced a thermal coal policy for our underwriting, pledging not to provide re/insurance to businesses with more than 30% exposure to thermal coal utilities or mining. The policy is fully integrated into our Sustainability Risk Framework. It applies to both old and new thermal coal projects and across all lines of business (direct, facultative and treaty). Thermal coal power plants are a significant source of CO2 emissions. In 2018, we introduced a policy for our underwriting, pledging not to provide re/insurance to businesses with more than 30% exposure to thermal coal utilities or mining. The introduction of our thermal coal policy is the first step towards the development of a carbon risk steering mechanism, to measure our carbon intensity and associated risks embedded in our re/insurance business. Over time, this will help us align our business activities with the Paris Climate Agreement and related Nationally Determined Contributions (NDCs). Given that there is no established methodology for such a carbon steering model in the re/insurance business, developing a purposeful model will take some time, but will enable us to take a holistic carbon risk perspective on our business and avoid a piecemeal approach.

https://reports.swissre.com/corporate-responsibility-report/2018/cr-report/risk-intelligence/our-sustainability-risk-framework/focus-introduction-of-our-thermal-coal-policy.html

BETHESDA, MD – AUGUST 10, 2022 Victor, the leading global managing general underwriter (MGU), today announced the appointment of John Tarpey as Leader of its US reinsurance operations. In this role, he will be responsible for the Regional Treaty Services Corporation (RTSC) business that Victor acquired earlier this year, which will now be renamed Victor Reinsurance Managers. Both of these announcements take effect immediately. Victor Reinsurance Managers underwrites three reinsurance facilities for small to midsize US-based insurers primarily writing personal lines, small agriculture, and main street commercial business. Mr. Tarpey joins Victor from Everest Reinsurance Company where he most recently served as Vice President, Treaty Casualty / Multiple Lines. He brings nearly 40 years of reinsurance experience to the role and succeeds John Pfautz, who is retiring from the industry. Mr. Tarpey will be based in Morristown, New Jersey, and report to Brian Hanuschak, CEO of Victor. "Since acquiring the RTSC business in April, we have completed its seamless integration into our US operations while further developing its long term value,” Mr. Hanuschak said. “John's reinsurance experience and expertise will benefit both clients and colleagues as we seek to deliver sophisticated solutions to our clients and support their future growth through our advanced technology and innovative approach to matching risk, distribution, and access to capital.” Mr. Tarpey added: “Victor is committed to building on the strength of the Victor Reinsurance Managers business to create even greater value for reinsurers and cedents. I look forward to collaborating with my new colleagues at Victor to enhance our capabilities and offerings for small to midsize insurers.” Victor Insurance Managers LLC is a leading global managing general underwriter (MGU) with locations in the US, Canada, UK, Netherlands, Germany, Italy, and Australia. It handles more than $2.5 billion in premium on behalf of numerous insurance and reinsurance relationships, through a large network of more than 20,000 active insurance agents and brokers. With deep, specialized underwriting expertise, the company provides a wide range of insurance solutions – from specialty property and casualty and professional liability insurance to group and retiree benefits. Victor is committed to building on 65-plus years of experience to develop products that address risk in new and evolving areas. For more information, visit www.victorinsurance.com.

https://www.victorinsurance.com/ca/en/about/media-center/victor-appoints-john-tarpey-to-lead-reinsurance-operations.html

Metapix is a versatile photo editing app that offers a wide range of features for transforming your photos. From basic retouching to advanced video editing, Metapix has something for everyone. One of the most exciting features of Metapix is its Cyber Punk Avatar feature, which allows users to transform their photos into futuristic, sci-fi inspired portraits. Cyber punk is a subculture that emerged in the 1980s and has since become a popular theme in movies, TV shows, and video games. It is characterized by a mix of punk and futuristic elements, such as high-tech gadgets, dystopian landscapes, and rebellious attitudes. With Metapix’s Cyber Punk Avatar feature, users can tap into this aesthetic and create their own cyberpunk-inspired portraits. To use the Cyber Punk Avatar feature, simply upload a photo of yourself or someone else into the Metapix app. Then, select the Cyber Punk Avatar feature from the menu of editing tools. From there, you can choose from a variety of cyberpunk-inspired filters, each of which will give your photo a distinct look and feel. Some of the filters available in the Cyber Punk Avatar feature include neon lights, glitch effects, and metallic textures. These filters can be combined and adjusted to create a truly unique cyberpunk portrait. You can also use other editing tools in Metapix, such as cropping, resizing, and adjusting brightness and contrast, to further enhance your cyberpunk portrait. One of the best things about the Cyber Punk Avatar feature in Metapix is how easy it is to use. Even if you’re not an experienced photo editor, you can quickly transform your photos into futuristic works of art with just a few clicks. And because Metapix is available on both iOS and Android devices, you can edit your photos on the go and share them with friends and family. In conclusion, Metapix’s Cyber Punk Avatar feature is a fun and exciting way to explore the cyberpunk aesthetic and transform your photos into futuristic works of art. Whether you’re a fan of sci-fi movies or just looking for a unique way to express yourself, the Cyber Punk Avatar feature in Metapix is definitely worth checking out. So download the app today and start creating your own cyberpunk-inspired portraits!

https://metapix.me/exploring-the-futuristic-world-with-metapix-cyber-punk-avatar-feature/

Lake in the Hills Commercial Window Film Lake in the Hills Commercial Window Film InstallationAAA Glass Tint is the window film contractor near Lake In the Hills that specializes in the application of commercial window film, which provides an enhanced look and energy savings at a reasonable cost. Commercial window film installation makes your business or office more comfortable and enhances employee productivity. Replacing windows is costly; commercial window film installation can be a cost-effective option to save you money. Available in a variety of sizes to fit any window, call AAA Glass Tint is the commercial window film contractor today. Lake in the Hills Commercial Window Film ContractorThe customers of Lake In the Hills are very familiar with the quality commercial window film contractor AAA Glass Tint. The prestigious village of Lake In The Hills (L.I.T.H), with a population of fewer than 25,000, is located in McHenry County, IL. The beautiful village boasts a high quality of life and many amenities designed for families and businesses to serve any need. Whether you are looking for commercial window film installation for privacy or window film made to your specifications. The commercial window film contractor to call is AAA Glass Tint. Commercial window film installation is a beautiful way to leave a lasting impression. Bring your ideas to our commercial window film contractor, and we will do the rest. AAA Glass Tint uses only premium materials for commercial window film that will provide maximum protection from harmful UV rays. Commercial window film installation from AAA Glass Tint is performed by our professional installation teams, who understand the value of your time and respect it. For a free estimate or a consultation on commercial window film services, call AAA Glass Tint today! Lake in the Hills Commercial Window Film | Lake in the Hills Commercial Window Film Installation | Lake in the Hills Commercial Window Film Contractor

https://aaaglass.com/lake-in-the-hills-commercial-window-film/

About Tervo Agency Who We Are We’ve been in business since 1864 and we’re passionate about making sure you’re covered properly. Located in Michigan’s Keweenaw Peninsula, Tervo is a local insurance agency that offers complete lines of personal and business insurance. We provide coverage to people and businesses throughout Michigan, Minnesota, and Wisconsin. As an independent agency, we have unique access to a wide-range of insurance companies which allows us to find the best policies based on your individual needs. We take a hands-on and detailed approach to serving customers by thoroughly assessing needs through one-on-one consultations. Once we understand your needs, we identify the right coverages and design an individualized plan that will keep you protected. In the case of an event or emergency, you’ll know exactly what’s covered and what steps to take. We’ll work with you to file a claim and get you back on your feet in no time. With over 75 years of combined experience, our licensed agents understand your coverage needs and provide custom policies with a simple approach. Providing you with the best possible service is our top priority. After all, we work for you, not an insurance company. You can trust our expertise to help you make the right coverage decisions that will keep you protected for years to come. What Our Clients Say “We had several special insurance needs fall upon us at nearly the same time. These ranged from major remodeling of our home and garage, purchase of a new automobile and restoration of a vintage car. They visited our home and immediately suggested and executed (1) conventional insurance policies, (2) special automobile policies, and (3) an umbrella policy covering all these areas. We’re convinced that no other agency could have provided all of these services as smoothly and professionally as the Tervo Agency.” – Roger and Janet Turpening

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

August 04, 2022 National Partners PFco (“National Partners”), a wholly owned subsidiary of WebBank, announced today it has acquired Security Premium Finance Company, LLC (“Security Premium Finance”). Security Premium Finance is a privately held premium finance company founded in 1995 by Bert Irigoyen and based in Coral Gables, Florida. Security Premium Finance provides insurance premium financing services for commercial and consumer clients to purchase property and casualty insurance products in Florida. This acquisition provides National Partners with diversification, geographic market opportunities, and a competitive advantage in the industry. As part of the acquisition all Security Premium Finance employees are now employees of National Partners. Colonnade Securities LLC acted as financial advisor to Security Premium Finance Company. About National Partners Dedicated to providing the highest standards in the premium finance industry, National Partners, a wholly owned subsidiary of WebBank, works with clients of all sizes through its commercial insurance agent and broker relationships. Responsive service, ease of use, and creative solutions are its hallmarks. It also offers funding programs to third-party premium finance companies, often those affiliated with agents, brokers, and MGAs, so that these smaller premium finance companies can access capital to grow and expand. WebBank is a Utah chartered Industrial Bank headquartered in Salt Lake City, Utah. Since its inception in 1997, WebBank has originated and funded over $155 billion in consumer and commercial credit products. As “The Bank Behind the Brand®”, WebBank is a national issuer of consumer and small business credit products through Strategic Partner (Brand) platforms, which include retailers, manufacturers, finance companies, software as a service (SaaS), and financial technology (FinTech) companies. The Bank is a leading player in the digital lending space, driving innovation in financial products through embedded finance with Strategic Partner platforms. WebBank engages in a full range of banking activities including consumer and commercial loan products, revolving lines of credit, credit cards, private-label card issuance, auto-refinancing, and more. The Bank provides capital in the form of asset-backed lending and other credit facilities to Strategic Partner platforms, credit funds, and other lenders with a targeted focus on specialty finance assets. The Bank is also a leading provider of commercial insurance premium finance products through its wholly owned subsidiary National Partners and Security Premium Finance, a wholly owned subsidiary of National Partners. For more information, please visit www.webbank.com.

https://coladv.com/colonnade-advises-security-premium-finance-company-on-its-sale-to-national-partners-pfco/

Enables Integration of Formal Results, Coverage with any Simulator or Verification Planning Tool MUNICH, Germany and SAN JOSE, Calif. -- October 23, 2018 -- OneSpin® Solutions today announced PortableCoverage™, the first formal verification solution to integrate with all major simulators, coverage databases and viewers, and chip design verification planning tools, enabling users to choose the vendor or multiple vendors of their choice. “Simulation and formal verification are essential to our chip design verification strategy,” says Thomas Klotz, verification expert at Bosch Sensortec. “We need to continually assess overall verification progress in order to determine next steps and measure progress against our schedule. OneSpin’s PortableCoverage provides us with that capability in an open verification flow so we can use best-in-class tools from multiple vendors.” “Formal verification is now a part of the mainstream flow and used by many verification engineers, so it must be integrated with simulation-based tools,” remarks Dr. Raik Brinkmann, OneSpin Solutions’ president and chief executive officer (CEO). “Engineers need robust, flexible flows to quickly address new requirements. OneSpin’s PortableCoverage provides the freedom to seamlessly integrate formal into efficient, future-proof verification flows.” PortableCoverage enables the integration of formal and simulation for a precise, quantitative verification assessment and a comprehensive view of verification progress. This minimizes overlap between formal and simulation work, reducing overall verification effort. PortableCoverage integrates formal and simulation coverage metrics in the coverage database for a unified view of coverage status. Two new formal apps, the Verification Coverage Integration (VCI) App and the Coverage Closure Accelerator (CCA) App, make this possible. Once the VCI App adds OneSpin’s Quantify™ coverage metrics into the user’s coverage database, the coverage viewer shows the integrated formal and simulation metrics, providing a unified view of coverage status. The CCA App identifies unreachable coverage points and provides them to the simulator, accelerating coverage closure while eliminating wasted effort trying to hit unreachable coverage points. PortableCoverage also includes OneSpin’s Verification Planning Integration (VPI) App that annotates formal results from OneSpin’s tools into the verification plan. The integrated formal and simulation results provide a comprehensive view of the verification plan. It also ensures engineers meet stringent safety standards by providing a link that tracks verification results back to design specification. The Quantify App uses formal model-based mutation coverage for an accurate assessment of assertion quality and completeness. Coverage data can be integrated with traditional structural coverage metrics. All of OneSpin’s apps leverage formal verification technology provided by the OneSpin 360 DV-Inspect™ and OneSpin 360 DV-Verify™ products. PortableCoverage is shipping now. Pricing is available upon request. More information about PortableCoverage can be found at: bit.ly/2PO0Ezt The first public presentation of PortableCoverage will be showcased Wednesday and Thursday, October 24 and 25, during DVCon Europe in Booth #402 at the Holiday Inn Munich City Centre in Munich, Germany. Exhibits are open Wednesday from 10 a.m. until 7 p.m. and Thursday from 10:30 a.m. until 6:30 p.m. About OneSpin Solutions OneSpin Solutions has emerged as a leader in formal verification through a range of advanced electronic design automation (EDA) solutions for digital integrated circuits. Headquartered in Munich, Germany, OneSpin enables users to address design challenges in areas where reliability really counts: safety-critical verification, SystemC/C++ high-level synthesis (HLS) code analysis and FPGA equivalence checking. OneSpin’s advanced formal verification platform and dedication to getting it right the first time have fueled dramatic growth over the past five years as the company forges partnerships with leading electronics suppliers to pursue design perfection. OneSpin: Making Electronics Reliable.

https://www.design-reuse.com/news/45003/onespin-portablecoverage.html

In exciting news for the travel industry, our travel risk scores are coming to Sabre-connected agents. In a press release on 15 June, Sabre partners with GOPASS Global, Sabre announced it will to help deliver our game-changing COVID-19 biosecurity risk analytics capabilities to the travel industry via their global distribution system. Joining the Sabre Developer Partner platform will help GOPASS Global to further improve its competitive position in the global travel marketplace, while further expanding Sabre’s innovative open platform, which sits at the intersection of supply and demand. GOPASS Global solutions support both corporate and leisure travelers to recommence travel with confidence through the use of advanced analytics to deliver a single view of all of the biosecurity risk elements of a trip. Key benefits of this partnership include: - GOPASS travel risk management capabilities are now available to travel agents across the globe - By integrating with Sabre’s shopping APIs, GOPASS populates a risk score out of ten onto each travel option and displays the information to agents, who are then able to better advise their customers - The Sabre shopping and booking window is simplified and shortened for agents by providing all information required at shopping time, helping them to be true travel experts for their customers and enabling travelers to recommence travel with confidence - The partnership helps to break down walls in the travel technology industry at a time when collaboration is more important than ever - Having risk information in front of travel agents as they plan trips with their clients will instill renewed confidence in travel for both the leisure and corporate traveller. Mitigating travel risk is especially critical for corporate travel as we learn to live with this pandemic. Companies need to ensure they are taking their duty of care to employees seriously when it comes to travel. It’s essential therefore, that travel agents, and ultimately travelers, have all of the critical information they need at their fingertips when planning their trip to make the decisions that are right for them. With travel risk scores coming to Sabre-connected agents, corporate travel is set to be well informed about travel risk. It’s clear leisure travelers also want to know about potential travel risks so they can avoid or mitigate them. The GOPASS Travel Risk Optimizer provides an end-to-end analysis of all aspects of travel and their risk exposure in the cycle of travel. This includes arrival and exit restrictions, flight routes and transit, airports, airline and aircraft type, seat class and travel advisories. GOPASS Global data also looks at country conditions such as infection rates, government policies and data reliability. Putting this all together, agents and travelers can obtain a risk score out of ten per flight itinerary, enabling them to clearly identify the lowest risk rates overall.

https://gopassglobal.com/travel-risk-scores-come-to-sabre-connected-agents/

Progressive is one of the largest auto insurers in the US. The company has been experimenting with AI since the middle of the 2010s, with customer-facing applications that update insurance premiums based on driving habits and answer questions in a chat window. In this article, we discuss both of these AI use-cases. More specifically: - Snapshot: Progressive’s Snapshot program, which seems to use predictive analytics to adjust a customer’s premiums based on their driving behavior. - Flo Chatbot: The company’s customer service chatbot, which could help customers with purchasing a policy or filing a claim. Emerj’s AI Opportunity Landscape research in insurance shows that Progressive’s Snapshot program follows a trend in which auto insurers use predictive analytics applications to determine how risky a customer or insurance applicant is: Approximately 21.6% of AI products in insurance are applications of this type. In contrast, although several of the largest insurance companies in the US have experimented with chatbots, the insurance industry hasn’t prioritized chatbots the way the retail industry has, as chatbots make up only 8% of the AI products in insurance. We begin our exploration of Progressive’s AI initiatives with their AI-enabled Snapshot program for usage based insurance: Snapshot: Usage-Based Insurance Progressive claims to use a predictive analytics application that uses driving data collected from their clients to offer usage-based insurance (UBI). This means that Progressive could price their customers’ insurance policies based on how well they drive. The program, called Snapshot, requires customer to install a device into their car’s diagnostics port or download an app to their mobile phone. As the customer drives, the device or app records information about the driver’s behavior and feeds it into a predictive analytics algorithm. The algorithm seemingly offers employees at Progressive a recommendation on whether to increase or decrease the customer’s premium payments after the initial 6 month period during which they have the Snapshot device or app installed. The algorithm purportedly factors for: - How often a customer drives and for how long at a time. This is one of the most common factors within “pay-as-you-drive” programs like these. - How often a customer speeds. Regular speeding may signal that the driver is a greater risk. - How forcefully a customer brakes, which could signal that the customer is not braking soon enough. - How sharp the customer’s turns are, which, again, may signal that the customer needs to break sooner. Progressive’s Snapshot program is the result of work with AI vendor H2O.ai. Below is a video that explains this work and how AI makes Snapshot possible: H2O.ai claims that Progressive’s underwriters were able to create and analyze new risk models faster after adopting the vendor’s AI platform. Progressive also worked with Microsoft Azure to create a natural language processing-enabled chatbot that emulates its popular mascot character, Flo. The Flo chatbot is a virtual assistant for customer service that customers could access through the company’s Facebook messenger account. It also references some of the commercials that Flo appears in and purportedly uses Progressive’s knowledge base to identify answers to customer service questions. The Flo chatbot can purportedly help customers: - File a claim - Get an auto insurance quote - Change premium payment due dates - Answer basic questions about auto insurance, such as “What is a deductible?” The company may also be able to leverage social media responses as data to improve the chatbot’s conversational capabilities. For example, some customers may not know about the chatbot and leave their question as a comment on a Facebook post. Progressive could use these comments as a means of further training the chatbot. Emerj for Insurance Leaders Insurance leaders use AI Opportunity Landscapes to discover what their competitors are doing with AI. This gives them the information they need to keep up with top players in their industry, direct their efforts toward high ROI AI projects, and avoid AI applications that lack any evidence of widespread adoption. Now more than ever, it’s important for insurance leaders to make wise decisions about where to spend their budget. Emerj can help. Learn more about our research services. Header Image Credit: Motor1.com

https://emerj.com/ai-sector-overviews/artificial-intelligence-progressive/

Moon Insurance is now Westland Insurance New name, same great company While you’ll continue to deal with the same great team and receive the same service you’ve come to expect from Moon Insurance, there’s now expanded capacity, broader underwriting capabilities, and improved claims support with Westland Insurance. We’ll go the extra mile every step of the way to provide you with a personalized coverage solution. The formerly Moon Insurance branches below are now Westland Insurance. We’re committed to supporting the local communities where our clients and teams work and live. Each year, we invest over $1m into local and charitable initiatives. Westland Insurance Acquires Brokerages in Alberta and Saskatchewan SURREY, BRITISH COLUMBIA – May 6, 2021 – Westland Insurance Group Ltd. (“Westland”) is pleased to announce the closing of three new acquisitions with seven branches in total – Hillcrest Insurance in Alberta, Pinks & Plates Insurance also in Alberta, and Moon Insurance in Saskatchewan. All acquisitions are effective May 1, 2021. These seven branch locations in the prairies support Westland’s expansion strategy to serve more communities across Canada. Hillcrest Insurance has a main office located in Strathmore, Alberta, just east of Calgary, and a satellite office in Rockyford, northwest of Calgary. We are excited to welcome Hillcrest’s nine employees to the Westland family. Pinks & Plates Insurance is located in Chestermere, also just east of Calgary. We welcome their seven employees to the Westland family.Moon Insurance has provided services in Saskatoon, Radisson, Colonsay, and Vanscoy, Saskatchewan through different company brands such as Radmont, Chaben McPherson, Wright, and Mooney Agencies. Their 11 employees are welcome additions to Westland. All three companies provide residential, auto, travel, farm, and commercial insurance services.With these acquisitions, Westland Insurance is adding a total of 27 employees in Alberta and Saskatchewan. Westland now has 170 locations in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, and Nova Scotia. About Westland Insurance Group Westland Insurance Group is one of the largest and fastest-growing independent insurance brokers in Canada. Trading over $3 billion of premium, Westland continues to expand coast to coast. Westland’s brokers provide expertise and advisory-based services across commercial, personal, employee benefits, farm, and specialty insurance segments. Since its founding in 1980, Westland has remained a family-owned company that is committed to supporting its clients, industry partners and local communities. For more information, please visit westlandinsurance.ca Westland Insurance Group Ltd. Jessica Thiessen, Senior Manager, Communications

https://www.westlandinsurance.ca/acquisitions/formerly-moon-insurance/

Combining strategic technology & insurance methodology Leverage Corvus Tech for Your Distribution There are essential components to sell at scale and remain competitive in the current industry environment. To bring them all together you need a strategic technology and insurance partner. No matter how you sell insurance, we know three things that will make your team more effective: Faster quoting and binding Simpler digital experiences Flexibility to automate quoting or underwrite individually Distribution Partnership Benefits Risk Mitigation Services Reduced policyholder risk. Corvus offers risk mitigation services to all insureds, including risk-prioritized cybersecurity recommendations, as well as access to the NetDiligence eRiskHub, with pre-claim support services, training/learning resources, and more. For larger accounts, we offer access to Corvus Black, our program of premier risk mitigation services. At the time of bind, every broker and policyholder receives an instant, in-depth Corvus Scan report to further understand cybersecurity risks and exposures. If your customer is impacted by a cyber event and has a claim, our expert breach services team is here to help them get back up and running as quickly as possible. Bindable quotes in minutes. Distribution partners integrate directly with the Corvus CrowBar®, our purpose-built digital platform for brokers. This is a perfect solution for wholesale and retail brokers or partners that have a large, aggregated access point to their customer base via a digital platform. With the API integration set up, distribution partners can get bindable quotes in minutes. Custom Coverage and Limits We customize coverage and limits for clients that share similarities (i.e. industry classes, size, or risk) so it is tailored to their unique risk profile. This is ideal for affinity groups, business service providers, and other partners who have data and insights into their client base and require specific coverage, limits, or price point. Broker Education and Insights Actionable cyber data. The Corvus Scan report and Ransomware/Business Interruption Cost Calculator provide brokers and policyholders with actionable insights to better understand and reduce their cybersecurity posture and risk. Optional summaries of each insuring agreement can be included in your Cyber quotes, and brief videos featuring Corvus underwriters help to explain key coverages. Strategic Solutions Born of Collaboration We partner with affinity platforms, aggregators, business services providers, and insurance brokerages of all types to learn about their business goals. Through the right mix of customized coverage, value-added services, and API-enabled integration, we develop solutions that complement and enhance our partners’ business, rather than adding layers of complexity. “We knew their insurance product was competitive, but in Corvus, we found a true partner.” From top to bottom we think about the insurance business similarly. Whether we are talking about building an API integration or working with the underwriting team, our partnership with Corvus has been fantastic, and it is only the beginning." Brian Thornton • President, ProWriters

https://www.corvusinsurance.com/distribution-partnerships

President& CEO, International Insurance Society, USA Mike Morrissey is President and Chief Executive Officer of the International Insurance Society. The IIS is the largest and most diverse organization of the global insurance industry. Its members comprise all industry stakeholders, including insurance company executives, scholars, regulators and advisors from nearly 100 countries, who share their diverse knowledge and perspectives to study the forces driving growth and innovation in the industry. For 15 years before being appointed CEO, Mike was an active IIS member while Chairman and Chief Executive of Firemark Investments. He was also Chief Investment Officer of Firemark, an SEC Registered Investment Advisor, investing in insurance companies globally and advising insurance company managements, regulators and public institutions around the world. Mike is a member of the Board of Overseers of the St. John’s University School of Risk Management. He is a member of the Management Committee of the Insurance Development Forum, a public/private partnership of the insurance industry, the United Nations and the World Bank. He is a member of the Steering Committee of the World Economic Forum’s Mitigating Risk in the Innovation Economy initiative.. Mike is also an insurance working group member of the National Bureau of Economic Research, a special advisor to the Asia Pacific Financial Forum, and a member of the Board of Governors of the Asia Pacific Risk & Insurance Association. He serves on the board of directors of Selective Insurance Group, and has been chairman of its Finance Committee. Mike was formerly President of Manhattan Life Insurance Company, and Executive Vice President of Crum & Forster Insurance Group. He holds a B.A. From Boston College, an MBA from Dartmouth, and has completed the Harvard Business School Corporate Finance Program. He is also a Chartered Financial Analyst and former President of the Association of Insurance and Financial Analysts.

https://www.europeaninsuranceforum.com/speakers/michael-j-morrissey/

Julie is amazing when it comes to Insurance and her guidance is priceless!! No question is too big or to small - her knowledge and understanding of insurance is based on thirty years of experience. If you have ever thought about any aspect of your insurance and wondered . . . then reach out Julie - she will guide you in the right direction. A COUG at heart, and with a super power of humor, Julie can answer any property insurance questions you may have. Ask her about her most interesting claim ... a new car, attacked by goats! Julie is the type of agent that bases everything on a foundation of education and understanding. It is her goal to ensure her clients truly understand what coverages they are purchasing, as well as their best options. Her specialty is property insurance which includes: auto, home, renters, condo and boat/watercraft. Ask Julie about her FREE Insurance Policy Analysis and Recommendations. Julie will do a free insurance review to ensure you understand your current coverages! Julie is the Main Event Speaker at our N3 – No Nonsense Networking meeting. Feel free to be our guest! December 7, 2023 - 7:30 am – 8:30 am N3 – No Nonsense Networking Family Pancake House - Redmond 17621 Redmond Way, Redmond, WA 98052 No Nonsense Networking is a business professional networking group in Redmond. We'd love to meet you and learn more about your business! Face to Face professional business networking remains one of the best ways to continue to grow your business! No Nonsense Networking is about building relationships that foster business connections. Visit the meetup link to determine if there is an opening for your professional industry!

https://www.bwyseinternetmarketing.com/blog/1556

Envelop Danger, the data-driven cyber re/insurance coverage and analytics specialist, introduced the launch of Envelop SPA 1925, a devoted cyber reinsurance particular goal association (SPA) at Lloyd’s, in partnership with managing agent Apollo. By Apollo’s Strategic Accomplice Syndicates enterprise and Apollo Syndicate 1971, the SPA launched on Jan. 1, 2024 with Chris Baddeley within the function of lively underwriter, primarily based in London. Envelop SPA 1925 marks an vital strategic milestone, supporting Envelop’s second underwriting platform. It represents the subsequent step in Envelop’s longer-term ambition to ascertain a stand-alone syndicate, which might be topic to the total Lloyd’s utility course of, based on Envelop in an announcement. Cyber reinsurance capability in 2023 was allotted and written as a brand new class inside Apollo Syndicate 1971, with Envelop offering underwriting experience and perception. Following its success, this has now been transformed into an SPA with development authorised by Lloyd’s. The SPA enhances Envelop’s well-established Bermuda operations and will increase the general providing Envelop brings to the cyber reinsurance market. Envelop mentioned the profitable launch of the SPA demonstrates the corporate’s skill to boost new capital to assist the expansion of the worldwide cyber re/insurance coverage market. The SPA is supported by threat capital from Envelop in addition to a various panel of third-party buyers. “I’m delighted to announce the launch of Envelop SPA 1925, which considerably strengthens our skill to assist the expansion and resilience of the worldwide cyber insurance coverage market,” commented Jonathan Spry, CEO of London-based Envelop Danger. “It furthers our ambition of not solely being one of the best at underwriting cyber threat, however at main the market within the administration of threat capital for cyber. To have gained the backing of such extremely regarded buyers is a testomony to the progress and maturity Envelop has achieved. With their assist, that of Apollo and thru our augmented intelligence strategy to underwriting, we’re strongly positioned to allow extra insurers to securely realise the huge alternative that cyber presents,” he added. Andrew Grey, director of Strategic Accomplice Syndicates at Apollo mentioned: “We’re delighted to have been in a position to assist Envelop obtain the subsequent milestone of their Lloyd’s technique. Apollo’s skill to incubate new merchandise inside one in every of our current managed syndicates, after which assist the evolution into an SPA, demonstrates our distinctive partnership strategy to establishing progressive new companies at Lloyd’s.” By its Strategic Accomplice Syndicates, Apollo presents bespoke managing company companies to 3rd social gathering companions the place there are shared values and a long-term imaginative and prescient. Howden Tiger acted as adviser on the transaction. Supply: Envelop Danger Taken with Businesses? Get computerized alerts for this subject.

https://actudefinances.com/envelop-danger-launches-cyber-reinsurance-lloyds-car-with-managing-agent-apollo/

“You can’t let one part of the business get too far ahead of others”, says Ty as he shares his journey to co-founding Openly after a 12 year spell with Liberty Mutual. A full-stack home insurance company – founded in 2017 and launched in 2019 – Openly sells through independent agents in 17 US States. Outlining the benefits to customers and agents, Openly offers better coverage, more accurate pricing and is drastically faster and easier to use. When it comes to home insurance, Ty maintains, “A lot of people, their data is stale. On average people are 10-20% under-insured.” With a current headcount of 170, the business is looking to add 100 people over the next 12 months. “We wait for the great”, says Marcella, who emphasises the higher cost a poor hire can have against waiting for the right cultural fit. Maintaining culture is a key part of scaling. “It starts from the top”, explains Marcella. “Culture is going to happen, you need to be intentional about it.” Ty and Marcella discuss remote-working, the value of an insurance career to an insurtech and the advice they would give to founders and leaders looking to scale. “Make sure you are balanced as insurance and tech. You need both types of expertise. And build with long-term relationships in mind”, concludes Ty. The Insurance Coffee House Podcast is hosted by Nick Hoadley, CEO, Insurance Search, the Executive Search Consultancy for growing Insurance and Insurtech businesses across the globe.

https://insurance-search.com/captivate-podcast/ty-harris-and-marcella-butler-openly

Authors: Zhan Hao、Wan Jia In the beginning of 2020, Luckin Coffee event brought the attention from the insurance, legal and security industries to the directors and officers liability insurance policy (“D&O”) in China. In this event, Luckin Coffee, which is listed in the US and called Chinese Starbucks, found trapped in the security fraud scandal, and some class actions have been filed in the US against Luckin Coffee and its officers. When Chinese society found D&O insurance coverage behind those American litigations, Luckin Coffee event inspired curiosity towards to D&O insurance, and insurance sector quickly remembers this transplanted product. The uneven road for D&O insurance in China During the previous years, D&O insurance actually has been lukewarm in China market after its first appearance around two decades ago, and the patronage to this transplanted insurance product has been limited to Chinese companies listed in the overseas security market or some financial institutions under the stringent scrutiny from China regulator. The reason for such embarrassing performance is obvious, which is relevant to the loophole in PRC legislature about the liability of corporate directors and officers. First, even though some simple and general provisions exist in PRC Company Law to address the loyalty and diligence responsibility for directors and officers, but the lack of the concrete guidelines and detailed penalty usually results in the fact that rare claims have been filed towards directors or officers in reality. The derivative action has been injected into the docket of Chinese tribunal for quite some years, but the practicality of action is so premature that potential plaintiffs are hesitant to file a real action against those directors and officers. Second, the governance structure of some companies is abused by the majority shareholder or actual controller, who would ignore the interest of minority shareholders or beneficiaries, and let alone the creditor’s right. When the majority shareholder or actual controller pull strings behind corporate mask, directors or officers are manipulated, and this multifaceted tragedy stop victims from claiming damages for directors or officers. Third and last, the precondition for the security fraud litigation, which requests the regulatory penalty be imposed to swindler before the civil actions, has hider Chinese security investors from filing litigation during the past years. To perfect the directors and officers liability, improve the corporate governance structure and address the protection towards investors, the hail for claim to directors and officers is loud, but the business volume for D&O underwriter has been miserable. Coincidentally, in 2020 China D&O insurance market comes across two events, the revision of Chinese Security Law and Luckin Coffee event, which are beneficial for the take-off of D&O insurance. The newly revised Chinese Security Law strengthens the liability for directors and officers, and this revision possibly leads to the increase of claims under D&O insurance, or at least in theory. Luckin Coffee event dominated the headline of Chinese media for almost two weeks after it announced that its COO committed fraud, and the news ranges from the fraudulent details, China security authority denouncement and D&O insurance coverage. Even under the background of corona viruse, Luckin Coffee stimulates the fierce discussion among the insurance, legal and security circles in China. Factually, D&O insurance goes to the spotlight this time, but there are not many people know that D&O coverage has been litigated quite some times in Chinese courts, while most of litigations did not go into public due to settlement. The disputed issues about those D&O insurance cases are comprehensive and of interest worth being noted. The scope of insureds One of the disputed points is about the scope of the insureds. In some countries outside China, there are three D&O models, called side A, side B and side C. Side-A provides coverage to individual directors and officers when their losses are not indemnified by the company as a result of law prohibition or financial incapability of the company. However, exclusions may apply if a company simply refuses to pay the legal costs of a director or officer. Side-B provides coverage for the company (organizations) when it indemnifies the directors and officers (corporate reimbursement). Side-C provides coverage to the company (organizations) itself for security-related claims brought against it. In China market, all those three coverages could be found. With respect to Side-B policy, the insureds are the companies rather than individuals. The occurrences regarding D&O often are about the scandals of China-domiciled corporations, which have been listed in American stock market, but were involved in security fraud, and aroused class actions in the US. For most cases, the final controller for such listed corporations are Chinese citizens or residents, but some CEO, CFO and COO are not Chinese citizens or residents. Thus when facing investigation or class action, the final controller sometimes chose to ignore the claims or investigations simply since the controller has no intention to sustain the corporation, but those directors and officers could not afford such ignorance. After paying for legal costs in the action against directors or officers on their own, directors or officers could not find or force corporation to reimburse themselves. When they approach Chinese insurers for insurance compensation, it is not a surprise to expect the refusal because those individuals are not insureds under Side-B policy. The disclosure duty of applicant In accordance to Article 16 of PRC Insurance Law, the insurance applicant shall fully disclose the risks relevant to the contemplated policy. Different from the other jurisdictions, PRC law only requests applicant to answer the specific inquiries from insurer. Without inquiry, even if applicant might know the potential exposure to risk, it is not obligatory for applicant to disclose such information. With respect to the D&O insurance sold in China market, the majority of applicants bought policy through brokers, and actually brokers handled the inquiry procedure and collected the disclosed information. Since China law does not allow the general inquiry from insurer, how to construct the valid and specific inquiries would be challenging to insurers and its agents. The rhetoric issue always trigger dispute about the contents of disclosure, and it finally touches the utmost good faith doctrine in PRC Insurance Law. Among the often-asked questions by insurers, how to interpret the previous circumstances before the policy inception, how to define the information known or should have been known by applicants, and how to verdict the violation of Sarbanes-Oxley Act are focuses for the confrontation between insured and insurer. Since those D&O insurance policies are governed by PRC law, but their wording is full of jargons extracted from American law in the meantime, naturally the interpretation of policy also becomes hot debate in court trial. For the information already known or should have been known by insurer, applicant is not obligatory to disclose such information to insurer. Some interesting episodes were about US investigation, which was denied to be known by applicant during the process of insurance application, but in fact the investigation information had been public in the website of SEC or other sources before policy inception. Should those imputed information be deemed as being known by insurer already, or would tribunal could impose a duty of due care to Chinese insurers to scrutinize the foreign authority websites in English? The conflict and connection for the different layers coverag In China market, some D&O policies are in the form of excess insurance, in which the primary insurer is first responsible for defending and indemnifying the insured in the event of a covered or potentially covered occurrence or claim. An excess policy provides specific coverage above an underlying limit of primary insurance. The dilemma for such multiple layers insurance is the primary insurer is foreign one, but the second or above insurers are Chinese ones. The second or above layers insurers shall follow the indemnification decision from the underlying layer insurer, or they could make decision at their own discretion? Things would be more complicated if the different layers policies use laws from different jurisdictions as governing laws. During the previous cases, tribunal preferred to take approach in which upheld the different layer insurers to have independent decisions to handle the claim unless otherwise stipulated in the policy. The separation of liabilities If one specific officer fails in his/her disclosure obligation or triggers the exclusion clause such as intentional act, could it excuse insurer from liability to other insureds? In most D&O policies, there are clauses to separate the insurance liability among the insured directors or officers, but those standard clauses encounter lots of challenges in trail. It is hard to believe that a CEO’s fraudulent behavior could be segregated from other subordinate officers, or a CFO could make fraudulent financial statements without approval or knowledge from the directors or CEO. In those scenarios, how to allocate the burden of proof between insured and insurer would be of essence for trial result. It is obviously unfair to impose a higher standard of burden of proof to insurer, who is an outsider to a corporation. In the meantime, the absence of discovery procedure in China litigation disables insurer with practical means to discern the real picture of fraud, to clearly figure out the collusion of directors and officers. Some desperate insurers want to depend on the police to dig out the fraud details, but Chinese police seldom investigates the suspected crime because the suspected crime happens outside of China, and victims usually are not Chinese citizens. Today, accompanied by the security law amendments and some fraud occurrences, D&O insurance stumbles to spotlight again after a long period of silence in China. With the developing pace of security market and insurance market, the refreshed D&O insurance gives imagination to Chinese underwriters.

https://www.chinalawvision.com/2020/04/insurance-law/the-developments-and-typical-disputes-for-do-insurance-in-china/

Lambert Insurance is now Westland Insurance New name, same great company While you’ll continue to deal with the same great team and receive the same service you’ve come to expect from Lambert Insurance, there’s now expanded capacity, broader underwriting capabilities, and improved claims support with Westland Insurance. We’ll go the extra mile every step of the way to provide you with a personalized coverage solution. The formerly Lambert Insurance branches below are now Westland Insurance. We’re committed to supporting the local communities where our clients and teams work and live. Each year, we invest over $1m into local and charitable initiatives. SURREY, British Columbia, Aug. 04, 2021 – Westland Insurance Group Ltd., Canada’s largest independent Canadian-owned brokerage, is pleased to announce the acquisition of two brokerages with three branches in total – National Brokers Insurance Services Inc in Ontario and Lambert Insurance Agencies Ltd. in B.C. Both acquisitions are effective as of Aug. 1, 2021. “We are thrilled to welcome both brokerages to our Canada-wide network,” says Jamie Lyons, President and Chief Operating Officer of Westland. “Together, we look forward to providing our friendly, expert advice to clients in each of these markets and across Canada as we continue to grow.” Located in Vaughan, Ontario, National Brokers Insurance provides group programs for personal and commercial insurance services across the country. “National has established themselves as a leader in both personal and commercial lines group insurance, with innovative, award-winning approaches to serve their employer and association clients. Aligning their team with our group business division, Westland MyGroup, positions us as a leader in this space across Canada,” adds Lyons. Lambert Insurance Agencies, with offices in Invermere, B.C. and in Radium Hot Springs, B.C., primarily offers home, auto, travel, commercial and farm insurance, along with ICBC drivers’ licensing services. This acquisition further establishes Westland’s service to clients in the Kootenays region. About Westland Insurance Group Westland Insurance Group is one of the largest and fastest-growing independent insurance brokers in Canada. Trading over $3 billion of premium, Westland continues to expand coast to coast. Westland’s brokers provide expertise and advisory-based services across commercial, personal, employee benefits, farm, and specialty insurance segments. Since its founding in 1980, Westland has remained a family-owned company that is committed to supporting its clients, industry partners and local communities. For more information, please visit westlandinsurance.ca Westland Insurance Group Ltd. Jessica Thiessen, Senior Manager, Communications

https://www.westlandinsurance.ca/acquisitions/lambert-insurance/

Business Interruption Litigation Taskforce (BILT) The ongoing COVID-19 pandemic has forced many non-essential businesses to close their doors and suffer significant economic losses. Businesses nationwide expected their insurance policies to cover their losses. To assist AAJ members and their clients, the Insurance Law Section and Bad Faith Insurance Litigation Group formed a new COVID-19 Business Interruption Litigation Taskforce (BILT). The BILT will focus on five fundamental areas: - Litigation/MDL: examining national aspects of the litigation, including two pending requests for MDL consolidation. - State Affairs: collaborating on state-level facets of the litigation, including state cases, Department of Insurance/Attorney General guidance and positions, state and local closure orders, and more. - Legislative Assistance: exploring emergency relief and bailout bills, as needed. - Communications: unifying the messaging to the public and media coverage of the issues. - General Membership/Education: consolidating and organizing information for members and collaborating with the Insurance Law Section and Bad Faith Insurance Litigation Group leadership on education programs and meetings. - Roy T. Willey IV, Charleston, SC - Alexander Cohen, Encino, CA - Leah Snyder, Seattle, WA - Troy Rafferty, Pensacola, FL - Michael L. Cohen, Los Angeles, CA - Allan Kanner, New Orleans, LA - Edward Eshoo Jr., Chicago, IL The group will serve as an organizational body to address the business interruption litigation arising out of COVID-19. BILT will provide resources, information, and educational programs to assist Insurance Law Section members handling these cases. BILT members will have access to the Insurance Law Section Document Library and a new list server specifically devoted to business interruption. The taskforce will also work with the Insurance Law Section and Bad Faith Litigation Group on future meetings and AAJ Education programs. How to Join Membership is limited to Regular, Sustaining, Life, or President’s Club members, as well as sponsored Paralegals. To join the Business Interruption Litigation Taskforce, members must join the Insurance Law Section. There is no additional charge for joining BILT after joining the Section. For more information, or to join, please contact [email protected]. If you are a current Insurance Law Section or Bad Faith Insurance Litigation Group member, please contact [email protected] to be opted into the list server and group.

https://www.justice.org/community/sections/insurance-law/business-interruption-litigation-taskforce

As Germania enters it’s second century, it remains true to the tradition of growth through service to the people it protects. And it remains committed to the principle of building a stronger, better future for the people who depend on Germania. For your insurance needs, Germania is there for you. Personal Liability Insurance – Germania offers legal Liability Insurance that will cover you in case of property damage or bodily injury for damages for which you are legally liable. Property Insurance – Germania wants to insure your home with a plan that’s right for you. If a fire suddenly destroyed your home, would you be able to rebuild and refurnish it? You want peace of mind and not have to worry about whether you have enough insurance, who to call, or if help will be there soon. With Germania, you can have that security. Automobile Insurance – Germania is there to help you determine the proper coverage limits that you need to protect your assets and provide you that coverage for reasonable rates. Germania provides special discounts that can reduce the cost of your Auto Insurance. Ask your Germania agent to see if you qualify. Life Insurance – Germania wants to help you make good choices about what is best for your family. We have developed a range of Life Insurance plans and annuities that make it easy to decide what is right for your future. Contact Roeber Insurance Agency for more information.

https://roeberins.com/products/

With strong ties to Latin America and their collective experience of acting on some of the region’s leading cases, the lawyers at Signature are well placed to advise on disputes originating out of South America. We cover a wide range of industry sectors including oil and gas; infrastructure; mining and insurance. With access to a wide network of reputable independent local professionals, and our industry and regional knowledge, we are able to ensure that disputes are managed efficiently and that they are resolved in so far as possible in accordance with our clients’ commercial objectives. Chambers Latin America 2015 praises Hermes Marangos for his “multi-jurisdictional knowledge and language skills, which make dealing with international cases with complicated issues much easier.” He is best known for advising London insurers and reinsurers on coverage issues in several Latin American jurisdictions, with a particular focus on Brazil. He also has a strong non-contentious practice advising UK clients on regulatory matters in Latin America. OUR LAWYERS’ FEATURED EXPERIENCE Advising reinsurers in relation to a series of losses to an extension of an oil refinery in Colombia. Advising US and Canadian insurers in relation to coverage issues arising out of damage to a drilling rig in Brazil. Advising reinsurers in respect of damage due to water leakage to a sulphur combustion furnace boiler in a sulphuric acid plant in Chile. Advising on a major dispute involving a mining operation disrupted due to flooding. Advising a London Market and US reinsurers on high-profile and complex D&O coverage issues in Brazil in connection with a class action brought in the US and an Insured v Insured claim in Brazil. Advising London market underwriters in connection with a group action arising from complex claims before the Brazilian Appellate Courts, arising out of cattle feeding programmes. Advising on an ICC arbitration brought by an Argentinean EPC contractor relating to the design and construction of a marine oil terminal. Advising London market reinsurers on a significant pollution claim brought by the government of Colombia against the Colombian National Oil Company. Advising on a dispute between Turkish energy platform constructors and a major Mexican oil company. Advising on cross-border disputes for a Brazilian company with joint venture partners in the US. Advising on LCIA disputes concerning the building of electricity plants in the Caribbean. Defending various professional on D&O, TPL including Product Liability disputes and acting as arbitration counsel in all Latin American jurisdictions.

https://www.grahamhuntley.co.uk/project/latin-america/

The arrival of 2022 was greeted with optimism by airline insurance buyers. Claims were limited in 2021 and while active aviation insurers insisted that this was the result of the COVID-19 induced lockdowns putting the aviation industry into virtual hibernation, fresh insurance capacity was being attracted to the market. With exposure growth on the horizon, the ground was being prepared for increased competition, reduced pricing and a downward rating trajectory. Then it changed. The tension between Russia and Ukraine had been rising for months, but when the crisis erupted at the end of February 2022, there were very specific ramifications for the airline industry. The region over Ukraine was declared a no-fly-zone overnight and many aircraft were stranded on the ground. More significantly, it is thought that around 4001 leased aircraft, with an estimated value of more than USD 10 billion, were confiscated by the Russian government. Aircraft being trapped on the ground in a war zone is the kind of risk that insurers account for when developing risk models, but the lessors’ losses were at the very extreme end of the loss scenarios. The sheer size of the lease claims is likely to have a profound impact on the direction of the market in 2023. The first challenge that the crisis created for the aviation insurance sector was how would the lease claims be paid. Lessors notified both hull war insurers and hull and liability insurers of their intention to claim for the confiscation of aircraft by the Russian government and/or airlines. Both markets were notified because of their different aggregate limits. If the losses are covered under the hull war policy, the claims will be subject to aggregate limits, meaning that lessors with the largest exposures would potentially only be partially covered for what is estimated to be at least USD 10 billion of losses. As we explained in a recent article that focused on the insurance ramifications of the crisis between Russia and Ukraine,2 if the claimants are successful in proving coverage exists under the hull and liability policies then there is no applicable aggregate and insurers could be required to pay the full amount. The common view that evolved as 2022 progressed is that the insurance claim related to the losses is likely to sit within hull war, which saw dramatic price increases during placements in the final quarter of 2022. Aggregate limits in the hull war market could reduce the size of the claim. The final quarter of any year has a high concentration of airline insurance programme renewals, offering insurers the opportunity to ensure that their airline books of business are balanced. This is likely to be important given the large lessor claims payments that lie ahead. Hull war prices are suggested to have doubled or even tripled in some cases as insurers have moved to balance their aviation books. The second challenge has been pricing contagion in the excess AVN52e market, which offers extended coverage endorsements for aviation liabilities. This market is largely underwritten by the same insurers that support the hull war market, and significant, but slightly more incremental, increases in premium became standard from around March 2022. The crisis unfolding in Ukraine and Russia forced insurers to reassess their positions and total exposure. Some insurers put their underwriting pens down temporarily and others withdrew from some parts of the market altogether. Capacity quickly became an issue as a result. As capacity falls and pricing differentials become more pronounced based on policy limit structures, there will be a greater cost attached to “difference between” policy structures than “excess” based limit structures as insurers look to limit their own exposure. The drop-down pricing mechanism is also under focus and will carry greater cost going forward. Trying to ascertain the direction of the reinsurance market is the third challenge. Several hull war insurers were accepting risks in Q4 2022, just before their reinsurance policies renewed on January 1, 2023. This means that they were underwriting without knowing their reinsurance costs. While the probability of price rises in the hull war market has been factored in, if the reinsurance market reacts more strongly than expected, there could be a stark effect on airline hull war pricing as 2023 gets underway. Either way, from a coverage perspective, policy aggregates will continue to be restricted, confiscation aggregates will largely reflect the top valued aircraft and geographical exclusions will continue to hinder airlines with operations in Belarus and Russia, particularly where they are operating with high-valued assets and purchase large limits. Pricing itself isn’t the only change. Coverage has reduced dramatically with aggregate limits slashed and geographical exclusions commonplace, particularly where an insurance programme has exposure to Belarus, Russia and Ukraine. The fourth challenge that has faced the airline insurance market is the imposition of sanctions on Russia. Insurers have had to move quickly to interpret the sanctions put in place by the EU, UK and US governments throughout the crisis. Sanctions implementation was not uniform with insurers having to interpret them according to their corporate profile and the location of their head office. To an extent this fractured the market, with some insurers able to offer certain elements of coverage that others were mandated to deny. Insurers' individual corporate approach wasn’t the only hurdle. As each insurer renewed its reinsurance protection programme, reinsurers were imposing geographic exclusions. As a result, some direct insurers were unable to offer coverage for airlines offering flights into and out of Russia, while others who renewed as early as April 1, 2022, were disallowed from offering coverage for overflights of Russia after their renewal. This challenge eased as 2022 progressed and a better understanding of the sanctions frameworks emerged. The insurers that initially excluded Russia, whether from a moral or corporate jurisdictional standpoint, found themselves at a competitive disadvantage. In some cases, their stance has evolved and they are now granting coverage to flights to/from Russia or at least allowing overflying. This will allow greater flexibility for airlines renewing during the opening months of 2023. Aside from the challenges created by the Russia/Ukraine crisis, market dynamics have been generally positive. There were only two notable incidents, the China Eastern Airlines loss in March 2022 and Tara Air loss in Nepal in May 2022. This contrasts with concerns that the hardware that had been left unused during the lockdowns combined with inexperienced or out of practice crews meant that the aviation sector could represent an enhanced risk. Some placements made in the final quarter of 2022 actually enjoyed rate reductions where the programme showed positive growth and a good loss profile, but “as-before” rating generally seems to have been the norm as 2022 came to a close. Insurers have been keen to stabilise hull and liability prices which form most of an airline insurance programme, mindful of the impact that potential claims emanating from Russia could have on their business costs as a result reinsurance price rises. Despite this there is a potential that dormant or completely new capacity will become available in hull and liability market as appetite for premium income increases. As a result, in the right circumstances, limited rate reductions might be possible in 2023 where an airline is buying lower limits and can show sensible risk management strategies, improving loss histories and a willingness to engage positively with the insurance markets. That said, conditions are likely to remain complicated for some time. The January 1, 2023 reinsurance and retrocession insurance renewals are likely to lead to price increases and possible capacity reductions, across much of the airline sector, not because of the imminent prospect of the Russian claims but because their own cost of business is rising and therefore insurers need to pass this on to the airlines. The interesting juncture for airline underwriters will come when, and on which policies, the lessor claims manifest themselves and become payable and make the increases in insurers’ business costs more apparent. The strategic business approach to hold, retain or increase market share will be challenged by new market capacity and a potential continuation of falling ratings. Of course, this depends which side of the fence the insurers sit in this scenario, but there is little doubt that the outlook will vary according to the type of programme being placed. As a result, we continue to advise airlines to engage with insurers early and take a proactive approach to the insurance markets. The withdrawal of some major insurers from the hull war and excess AVN52e classes, which we discussed in the Q4 2022 outlook3, show that underwriters are willing to review their positions and as a result, no assumptions can be made for the long term. Coverage will continue to be a focus for insurers as they look to minimise their exposure and the pricing will take care of itself once everyone understands the implications, consequences and the cost of the crisis between Russia and Ukraine. There has been progress and some clarity has been achieved but it seems that 2023 will continue to be challenging. WTW offers insurance-related services through its appropriately licensed and authorised companies in each country in which WTW operates. For further authorisation and regulatory details about our WTW legal entities, operating in your country, please refer to our WTW website. It is a regulatory requirement for us to consider our local licensing requirements.

https://www.wtwco.com/en-us/insights/2023/01/q1-2023-airline-insurance-market-renewal-outlook-uncertain-times-ahead

Greater Than, the leading motor risk analytics insurtech, has in partnership with the MGA Covercube and Aegis Security, tailored an entirely dynamic motor insurance with real-time assessment of risk by using AI. In response to the strong consumer trends and the increased demand for insurance costs reflecting individual usage, as opposed to today’s standard of pooled pricing, Covercube and Greater Than have developed a new UBI offering in cooperation with Aegis Security. The new auto insurance, which took less than three months for the partnering companies to develop, will enable fair and transparent pricing of premiums and extensive flexibility to manage the insurance directly in the app. “AI-based risk analysis takes a step up in its abilities within auto insurance and plays a vital role in getting product positioning and pricing right. By approaching digital-first customers who really care for fair and transparent pricing and who request extended flexibility based on usage, we have found a perfect market fit with this offering.” – John Crispi, founder and CEO of Covercube Covercube’s offering is a synergy of collaboration with independent insurance agents and the policy provider Aegis Security, where all parties share the common goal of pricing policyholders’ premiums fairly, while at the same time encouraging them to drive safer and reduce their impact on climate change. “We’re very excited to see the increased demand for more flexible, dynamic and transparent motor insurance products in the US. As our core product is essential for correlating driving risk with actual cost, we’re thrilled to provide the technical foundation of Covercube’s firmly positioned offering.” – Sten Forseke, founder of Greater Than For media inquiries, contact; Eva Voors, Chief Communications Officer +46-708 884 880 Isis Fernandez, Director of Operations, Covercube Greater Than is an AI and Insurtech company, providing predictive risk insights on claims frequency and cost – helping global insurance carriers with better pricing of premiums, smart customer retention and targeted customer acquisition. Based on the company’s AI technology, Greater Than provides a product portfolio including Enerfy Risk Portfolio Tracker, Enerfy Loyalty and Enerfy Insurance Products, as well as additional services and apps for dynamic pricing, car sharing, fleets, leasing and driver gamification. Greater Than partners with large insurance enterprises such as Zurich, MSIG, and with Toyota. Greater Than is listed on Nasdaq First North Growth Market. Learn more at greaterthan.eu. Covercube is a full stack General Agency that offers innovative insurance products and services for carriers and reinsurers. Incepted in 2021, Covercube brings over 20 years of management experience in the P&C space with emphasis on the growth of the independent agency distribution channel. Covercube’s innovative pricing allows independent agencies to compete with captive carriers and direct writers by offering an alternative to traditional and out-dated pricing methods. For more information, please visit www.covercube.com

https://greaterthan.eu/press-releases/covercube-and-aegis-security-launches-usage-based-auto-insurance-in-arizona-based-on-ai-technology-from-greater-than/

Lockton, a global insurance brokerage platform, has announced its expansion plans in India and the appointment of Dr. Sandeep Dadia as Chief Executive Officer, with immediate effect. In his new role, Dr Dadia will also be a part of Lockton Asia leadership team. He will be responsible for overseeing Lockton’s business expansion in India, attracting top talent, and acquiring clients. He will leverage the investment broker platform’s global expertise to align with regional talent. Dr. Dadia, who recently served as the CEO and Principal Broker at Aditya Birla Insurance Brokers Limited, brings over 20 years of expertise in the insurance industry. He has previously worked with leading companies, including Enam Insurance Brokers and TTK Healthcare. Dr. Dadia has also served on the Board of Directors of the Insurance Broker Association of India, as the Convener for Broking in the Confederation of Indian Industry (CII), and as an Advisor to the Insurance Regulatory and Development Authority (IRDAI) for Cyber Insurance. Welcoming Dr. Dadia to lead the India expansion strategy, Warren Merritt, Asia CEO, stated, “We are excited to have Sandeep lead the organisation in India, bringing his expertise and knowledge of the insurance sector. This strategic entry into India creates an opportunity for Lockton to continue building its established network in the region. Lockton’s largest investment in the Asia region reflects our dedication to fostering economic growth and creating new opportunities for the local community. We look forward to actively contributing to the development of the insurance industry within the country and across the region.” Dr. Dadia added, “I am elated to join and lead Lockton’s vision to meet the growing demand for risk consulting and management services in India. As we establish a new startup backed by one of the world’s largest insurance brokers, Lockton is committed to being a strategic partner, ensuring that our risk management solutions contribute to our clients’ success. I look forward to leading Lockton in India, delivering high-quality insurance services tailored to the Indian market and making a positive impact in the sector." Announcing his exit from Aditya Birla Insurance Brokers, Dr Dadia posted on LinkedIn, “As I bid adieu to my incredible team, I carry the warmth of shared moments. Waving goodbye to a chapter that will forever hold a special place in my heart, I am grateful for the camaraderie, the challenges, and the victories. As I embark on a new journey, my heart is filled with gratitude. Here’s to embracing change, growth, and the adventure that awaits!”

https://www.peoplematters.in/news/appointments/lockton-expands-operations-in-india-appoints-abibls-dr-sandeep-dadia-as-country-ceo-40061

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Our Industry Reach We provide best-in-class, full service legal advice to insurtechs, their founders and funders in all aspects and through every stage of their business. Our clients include many of the world’s most prominent insurance companies, reinsurers, insurance intermediaries, investment banks, sponsors and other financial institutions. Our market-leading, multidisciplinary team also assists insurance carriers and reinsurers in their digital transformation initiatives, new product offerings and partnerships. Each insurtech is unique and there is not one route to developing an insurtech business. A fairly typical example of the “insurtech lifecycle” is illustrated below. Our deep experience with innovative insurtech entity structures and distribution models makes our team a go-to resource for company founders looking at first getting their insurtech operations off the ground. We add value by identifying previously unforeseen issues, or suggesting alternative courses of action. Our insurance regulatory lawyers are known for their extensive capabilities in policy, regulatory intervention, and legislative matters. Clients that have reached mid-stage funding sessions typically look to us to assist in their development of new products and expand into new markets, including through acquisitions. As a leading insurance M&A law firm, we are working on many insurance intermediary and insurance carrier transactions at any one time. We also advise on a wide range of captive insurance and alternative risk financing arrangements. We have been with insurance industry participants who are now public, or soon will be, every step of the way. We are proud to have advised many insurtechs who are now publicly-traded household names. As a leader in insurance capital markets, our team has represented many of the industry’s most active issuers and underwriters and has advised on hundreds of insurance securities offerings. Our understanding of the intersections of regulatory capital, rating agency capital adequacy criteria and capital markets structures distinguishes Willkie as a premier firm for complex insurance financing advice. Recent representative matters Insurtech Insurance Advisory and Commercial Work - Bestow: Representing Bestow, a digital life insurance provider, with respect to all insurance regulatory aspects of its business. - HDVI: Representing HDVI, a next-generation commercial auto insurance program manager, with respect to all insurance regulatory aspects of its business and its commercial insurance arrangements, including with respect to its program manager platform agreements. - Ladder: Representing Ladder, a digital life insurance provider, with respect to all insurance regulatory aspects of its business and its commercial insurance arrangements, including with respect to the license expansion of, its carrier, Ladder Life Insurance Company. - Metromile: Representing Metromile, a digital provider of pay as you go auto insurance, with respect to insurance regulatory compliance, commercial insurance arrangements and strategic growth initiatives. - Next: Representing Next, an online insurance provider for small businesses, with insurance regulatory and commercial distributions aspects of its business, including with respect to its acquisition to AP Intego, a digital small commercial insurance agency. - OnStar Insurance/General Motors: Representing OnStar Insurance, the innovative telematics personal auto insurance division of General Motors, with respect to insurance regulatory compliance and strategic growth initiatives. - Policygenius: Representing Policygenius, a leading online insurance marketplace, with all of its insurance regulatory and commercial matters. Strategic Insurtech Acquisitions and Investments - Allstate/Square Trade: Advised Allstate in its acquisition of SquareTrade, a provider of consumer electronics and appliance protection plans, for $1.43 billion. - Aquiline Capital Partners: Advised Aquiline Capital Partners in the following transactions: - CodeBlue/MADSKY: Represented Aquiline in the acquisitions and merger of CodeBlue and MADSKY, two industry leaders in the management of interior and exterior damage assessment and repair for insurance property claims. - Simply Business/Travelers Companies, Inc.: Represented Simply Business and its shareholders (including Aquiline) in the sale of Simply Business, the UK’s biggest business insurance provider, to Travelers Companies, Inc. for approximately $490 million. - Simply Business: Represented Aquiline in its acquisition of Simply Business. - Wellington Insurance Group: Represented Aquiline in its majority investment in Wellington Insurance Group, an insurance risk distribution and financial services organization. - Bestow/Centurion Life Insurance Company: Represented Bestow, a digital life insurance provider, in connection with its acquisition of Centurion Life Insurance Company. - Compliance Solutions Strategies/AMFINE: Represented CIP Capital portfolio company Compliance Solutions Strategies (CSS), a leading regtech platform serving software clients in the financial services vertical, in its acquisition of AMFINE, a provider of SaaS-based regulatory reporting services to European asset managers, asset servicers and insurers. (2020) - Homeowners of America/Porch Group: Represented Homeowners of America, a Managing General Agent and insurance carrier hybrid, in its pending acquisition by Porch Group. - Truist Insurance Holdings/Wellington Risk Holdings: Represented Truist Insurance Holdings in its acquisition of Wellington Risk Holdings, an insurtech that operates as a managing general agent in the admitted residential property markets. - Truist Insurance Holdings/Constellation Affiliated Partners/RedBird Capital Partners: Represented Truist Insurance Holdings in its acquisition of Constellation Affiliated Partners.

https://insurtech.willkie.com/industry-reach-2/

Wooden furniture is beautiful and adds elegance to your home. However, fire accidents are always a matter of concern for your home and wooden furniture. Wood is prone to fire and catches fire easily, thus, spreading the fire at an increased rate. However, if you buy plywood sheets from CenturyPly, you don’t need to worry about fire accidents. Why is this so? It is because CenturyPly’s plywood boards are manufactured with fire-retardant technology to prevent the spread of fire. Moreover, you don’t even have to pay extra for this technology. During unforeseen events of fire, fire-retardant technology stops the spread of fire, and if the source is removed, it will put out the fire by itself. It is only the single property of fire-retardant technology. 7 Ways Fire-retardant Plywood Helps Delay Fire Here are a few ways fire-retardant delays fire and give time for the rescue operation: Slow Penetration of Fire In fire accidents, the spread of fire must be reduced, or it might lead to damage to human lives and property. The firewall technology of CenturyPly resists the penetration of fire, giving you and your family time to reach a safe spot. Flammability refers to the time a plywood takes to catch fire. The lower the flammability, the lower will be the damages caused by it. The low flammability of fire-retardant technology helps to resist the spread of fire. Low Smoke Generation During fire accidents, the generation of smoke may lead to suffocation, making the process of evacuation difficult. However, the innovative technology of CenturyPly resists the smoke generation or toxic gases that are harmful to every individual. It ensures the safety of you and your family members by giving enough time for the process of evacuation. Time to Escape in Unforeseen Events A major issue related to fire accidents is the time to escape. This determines how worse the accidents will be. Your wooden furniture will catch fire quickly, thus not giving you the time to leave the place. To deal with such challenges, CenturyPly’s fire-retardant technology delays the spread of fire on its surface. According to estimation, it will take approximately 50 minutes for the fire to reach the core of the wood. This will give you ample time to collect your valuables and belongings before leaving the place. If you are worried that putting water on fire to extinguish fire will damage your plywood, you don’t need to worry. Any plywood boards infused with firewall technology do not absorb the water from the atmosphere, even when you put water on them. Since it does not absorb water from the atmosphere, there is no chance for your plyboard sheets to get damaged or flakey. Once the fire extinguishes, your furniture will be safe from any damage and will continue to provide physical strength for several years. The non-engineered particles present in fire-retardant technology resist ignition and ensure enhanced fire-resistance properties. This gives you enough time to come out of your house. Waterproof and Weather-resistant When you purchase plyboards with CenturyPly, fire-retardant technology is not the only benefit that customers get. As already mentioned earlier, your plywood will be safe from moisture and water and won’t be damaged due to it. Moreover, it is designed to tolerate extreme weather conditions. In a Nutshell The primary purpose of making a house is to provide a comfortable and safe place for your family and yourself. So, your house must have the capacity to deal with unforeseen events of fire accidents. The firewall technology is a great way to make your house a safe place for your family members. So, what are you waiting for? Get CenturyPly’s plywood sheets infused with fire-retardant technology to give your house a cliché look without compromising its safety. Visit the official website of CenturyPly to know more about the fire-retardant technology of CenturyPly.

https://guestblognow.com/protecting-lives-7-ways-fire-retardant-plywood-helps-delay-fire-and-provide-escape-time/

A massive fire broke out at the Bhalswa landfill site in north Delhi on Tuesday. The fire department received information about the blaze around 5.47 pm following which 10 fire tenders were rushed to the spot. So far, it is not yet known whether the fire was caused by methane generation or some human activity, according to officials. A senior north municipal corporation said efforts to douse the fire were on till late in the night and the corporation has deployed excavators to dump the sand on the origin of the fire. Environment Minister Gopal Rai on Tuesday asked the Delhi Pollution Control Committee (DPCC) to submit a report on the Bhalswa landfill fire within 24 hours. There are three major landfills in the capital- Ghazipur, Okhla and Bhalswa. While fire incidents have been common in these landfills, so far the authorities haven’t been able to come to a common ground on these landfills. Recent Fire at Ghazipur Landfill Earlier this year in March, a massive fire broke out at the dumping yard of east Delhi’s Ghazipur area on March 28 leading to a huge cloud of smoke enveloping the region and neighbouring areas. A thick blanket of smoke was seen at a section of the dumping yard, where the fire broke out. However, even 24 hours after the incident, the fire continued to rage in some parts of the area despite more than 90 firefighters working to douse the fire. Fires in Landfill ‘Very Frequent’ While the fire in March at Ghazipur landfill was a major one, there was another fire on April 20, which was the second in a month. In November 2020, another fire on Ghazipur landfill took the capital’s Air Quality Index to dangerous levels. Barely three days after fire in Ghazipur, a section of Bhalaswa landfill caught fire. A major fire broke in Ghazipur landfill was also reported in October 2017. Toxins from Such Fires Can be Lethal The sudden spike in the levels of toxins entering the air can be extremely harmful to all those who inhale it. According to Dr Arvind Kumar at New Delhi’s Ganga Ram Hospital, the sudden rise in the levels of particulate matter and the toxic gas just in the area is very damaging. A longer exposure of these toxins can damage people’s lungs and also damage all the organs when it is absorbed by the body. In pregnant women, it could affect the foetuses. Pollution after such fire in landfills could lead to an increase in the incidence of asthma, heart disease, brain disease, and casualties few days after the fire. Landfills: A Live Bomb? The presence of landfill can be dangerous and a fire more disastrous, here’s why? According to a report in The Quint, when the garbage in a landfill gets fermented under a very high temperature and pressure, it produces methane, which is an inflammable gas. So, when the day temperatures in Delhi touches 40 degrees during the daytime, the methane in these landfills is a recipe for fire. When there are efforts to douse the fire, there are always chances of fire extinguishing at one place and lighting up at another. And the smoke from the landfill, far more lethal than other sources, contain particulate matter, sulphur dioxide, nitrogen dioxide and volatile organic compounds, among other things. What has Courts, Authorities Said In 2019, the Supreme Court had pulled up the Lieutenant-Governor Anil Baijal for not taking appropriate action to tackle the “mountains of garbage” in Delhi, and added the landfill sites in Delhi were a grave issue. Last week, the National Green Tribunal noted that the dump sites in Delhi and other cities are like time bombs and took serious note of the recent fire incidents. It also constituted a Joint Committee headed by Justice SP Garg, former Judge of the Delhi HC with members from Central Pollution Control Board, according to a report in Live Law. Meanwhile, the AAP and the BJP have for long been engaged in war of words on the issue. AAP had blamed the BJP-led municipal corporation for the negligence behind the landfills, while the saffron party blames the AAP government. Read all the Latest India News here

https://www.bombstat.com/domain/543.hk

Berkshire Hathway HomeServices CEO Chris Stuart joined the Berkshire Hathaway HomeServices Beach Properties of Florida team for the 2019 Kick Off Celebration to recognize an outstanding year of growth and accomplishments in 2018! A reception was held to welcome Stuart to 30A in the upscale Viridian Condos above popular Seagrove restaurant, Surfing Deer. The awards ceremony was held the following morning at the 4 Star WaterColor Inn and Resort overlooking 30A’s sugar white sands on February 19th. The newly appointed CEO was full of praise for Beach Properties of Florida agents, as he expressed the importance of realtors even in this digital age of technology. We are proud of our 2018 accomplishments and will continue to focus on innovation, integrity and a consistent commitment to excellence in the real estate industry in 2019. Berkshire Hathaway HomeServices Beach Properties of Florida, with over 160 agents, has a lot to celebrate: 30A – #1 Brokerage in Volume & Transactions : 30A Panama City Beach – Top 10 Brokerage :: Bay County Forgotten Coast – Top 3 Brokerage in Volume :: Gulf County We honored our top agents who achieved tremendous accomplishments in 2018: Leading Edge Society-11 BPFLA agents ranked top 8% worldwide. Presidents Circle-6 BPFLA agents ranked top 5% worldwide. Chairman’s Circle Gold-10 BPFLA agents ranked top 2% worldwide. Chairman’s Circle Platinum-10 BPFLA agents ranked top 1% worldwide. Chairman’s Circle Diamond-2 BPFLA agents ranked .5% worldwide. *Recipients of awards are ranked among all Berkshire Hathaway HomeServices agents worldwide

https://www.30arealestate.com/blog/ceo-chris-stuart-visits-30a-agents-honored/

Siobhan McBride Literary Agent was a literary agent with Carnicelli Literary Management. She is no longer taking submissons. She joined the agency in 2020. Publishing Agent Siobhan McBride was previously an agent with Sobel Weber Associates and Serendipity Literary Agency, and internships at W.W. Norton and Writers House. She graduated from the State University of New York at New Paltz, with a B.A. in Creative Writing. She began her career in publishing as an intern for the literary agency Objective Entertainment, and from there went on to work as a writer in the Editorial departments of various magazines including MovieMaker and Chronogram. Her passion for music and film led her to becoming the Music Editor of CriticalMob, and eventually moved on to do freelance work with their parent company, Company Cue. She has been tutoring young adults as a volunteer with 826NYC. Siobhan McBride Literary Agent was on our list of Book Agents New York (publishing agents in New York State), Book Agents USA (publishing agents in the United States), Fiction Book Agents (publishing agents who represent fiction authors), and Nonfiction Book Agents (publishing agents who represent nonfiction, not just novels). Siobhan McBride Literary Agent Biography Don’t submit a query letter to Siobhan McBride Literary Agent because she’s on our list of book agents who’ve stopped agenting, retired, or passed away. If you want to find book agents that ARE seeking new clients, click here now to access our Book Agents Directory. Or scroll below to learn more about Literary Agent Siobhan McBride and Carnicelli Literary Management. Book Genres – Sarah Nagel Literary Agent Siobhan McBride Literary Agent represented the following book genres: Representative Sales – Siobhan McBride Book Agent Scroll below now to view representative titles and a complete profile for Siobhan McBride FREE in our Book Agents Directory. AAR Status – Siobhan McBride Publishing Agent Scroll below now to view the AAR status and a complete profile for Siobhan McBride FREE in our Book Agents Directory. Contact Information – Siobhan McBride Literary Agent Scroll below now to view the email and postal address for Siobhan McBride FREE in our Book Agents Directory. Siobhan McBride Literary Agent Directory of Literary Agents Join thousands of other subscribers today. Simply enter your first name and email address for free, instant access to the Directory of Literary Agents. Get complete access to comprehensive profiles for both established book agents and new literary agents like Siobhan McBride Literary Agent.

https://literary-agents.com/siobhan-mcbride-literary-agent/

Chambers forms its own Fire Fighting Team Chambers has formed its very own First Aid Fire Fighting Team (FFFT), by working with S. E. Business Services (SEBS) and drawing on the expertise of the Surrey Fire and Rescue Service. SEBS, which is part of Surrey County Council, has exclusive access to Surrey Fire and Rescue Service’s highly trained fire fighters – who offered us their skills in emergency response, first aid and fire prevention. Together they have trained a number of members of the Chamber’s team to use firefighting equipment so that they can effectively respond immediately to an emergency as well as delivering vital first aid. The team can now deal with emergencies before the fire service arrives on the scene, delivering water from a fire hose onto flames within 90 seconds. In the unlikely event of a fire, this quick response is vital to stop it spreading and can prevent a full-scale emergency. The team has also been trained to hand over smoothly to the fire service, which really helps when they arrive on the scene, gaining valuable minutes when dealing with an emergency. This initiative has so far been a great success, with our team learning valuable new skills that will keep our staff, premises and customers safe in the unlikely event that we ever need them. S. E. Business Services and Surrey Fire and Rescue have given our FFFT fantastic support and we look forward to continuing to work with them in the future.

https://www.chambers-group.co.uk/chambers-forms-its-own-fire-fighting-team/

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Our commitment to quality ensures that your commercial property receives top-notch synthetic turf that not only enhances its visual appeal but also stands up to the demands of high-traffic areas. We provide both supply and installation services, tailored to your specific requirements. Need More Information About Commercial Artificial Turf? If you’re seeking more information about commercial artificial turf, you’ve come to the right place. Our team is here to answer all your questions and provide you with the guidance you need to make an informed decision. We understand the unique needs of commercial projects and can help you choose the best synthetic turf solution to meet your specific requirements. Contact us today for expert advice and exceptional service. Browse Through Our Complete Range of Services We provide the following Commercial services: Check out some of our latest projects in the photos section. 1. Why is artificial grass a good choice for commercial spaces? 2. What benefits does Amazing Turf's commercial artificial grass offer? 3. Can commercial artificial grass be installed in any type of commercial property? 4. What are the environmental advantages of using commercial artificial grass? 5. Does Amazing Turf specialize in commercial artificial grass installations? Still have questions? We’re here to help! We understand that choosing the right artificial or synthetic turf is a big decision. If you still have questions or need more information, we’re here to help every step of the way. Thank you for considering Amazing Turf. Your green oasis is just a call away! Areas we serve Amazing Turf is delighted to offer out top-tier artificial and synthetic turf services across various locales, including Hoppers Crossing, Williams Landing, Werribee, Wyndham Vale, Manor Lakes, Point Cook, Tarneit and Truganina. We’re committed to enhancing your outdoor spaces with our durable, high-quality turf, no matter where you’re located in these areas. 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https://amazingturf.com.au/commercial-artificial-grass/

Renters Insurance in and around Camden There’s No Place Like Home Even when you rent a place to live you still have plenty of responsibility. You want to make sure what you own is protected in the event of some unexpected damage or catastrophe. And you also need liability protection for friends or visitors who might hurt themselves on your property. State Farm Agent Del Boykin is ready to help you prepare for potential mishaps with dependable coverage for your renters insurance needs. Such attentive service is what sets State Farm apart from the rest. And it won’t stop once your policy is signed. If if trouble knocks on your door, Del Boykin can help you submit your claim. Keep your home in a rental-sweet-rental state with State Farm! Safeguard Your Personal Assets Our daily plans never block time for troubles or disasters. That’s why it makes good sense to plan for the unexpected with a State Farm renters policy. Renters insurance protects your precious belongings with coverage. In the event of a fire or smoke damage, some of your possessions may have damage. If your belongings are not insured, you might not be able to replace your valuables. It's scary to think that in one moment, you could risk losing all your possessions. Despite all that could go wrong, State Farm Agent Del Boykin is ready to help.Del Boykin can help offer options for the level of coverage you have in mind. You can even include protection for valuables when they are outside of your home. For example, if your car is stolen with your computer inside it, your bicycle is stolen from work, or your personal property is damaged by a fire, Agent Del Boykin can be there to help you submit your claim and help your life go right again. Get in touch with State Farm Agent Del Boykin today to find out how the trusted name for renters insurance can protect items in your home here in Camden, SC. Del BoykinState Farm® Insurance Agent Camden, SC 29020-2094

https://delboykin.com/insurance/renters

The Association for the Work Truck Industry announced a collaboration with Commercial Truck Trader and S&P Global Mobility to provide commercial vehicle life cycle trends and intelligence to the work truck industry. This cooperative initiative is expected to result in the North American Commercial Vehicle Market Report – Powered by Commercial Truck Trader, NTEA, and S&P Global Mobility, a semi-annual industry report that delves into the details, data, and trends around the life cycle of commercial vehicles — from chassis shipments to truck registration to later stages when used vehicles are resold. “The commercial vehicle community has an unending appetite for this type of information,” said Kevin Koester, managing director of NTEA. “This collaboration will allow data points to be connected in new ways, providing for more thorough forecasting and trend analysis in all segments of the industry.” Report topics address: - OEM chassis sales and shipments. - Commercial vehicle registrations. - Dealer sales and customer search trends. “We are thrilled to be working with NTEA and S&P Global Mobility,” said Charles Bowles, director of OEM & strategic initiatives at Trader Interactive. “We strive to be a trusted resource for organizations in the commercial vehicle space providing valuable information and tools to make marketing their business easier. The North American Commercial Vehicle Market Report will do just that.” The first North American Commercial Vehicle Market Report will be released in fourth-quarter 2022 in conjunction with NTEA’s Executive Leadership Summit, held Oct. 18, 2022, at Hyatt Regency Baltimore Inner Harbor (Baltimore, Maryland). Representatives from NTEA, Commercial Truck Trader, and S&P Global Mobility will lead a session on the trends within the commercial vehicle population. “We are excited to be asked to contribute to this industry report,” said Andrej Divis, executive director, commercial truck group at S&P Global Mobility. “We’re hopeful the report will provide more clarity as commercial market players face today’s new challenges.”

https://www.worktruckonline.com/10174860/ntea-to-collaborate-with-commercial-truck-trader-sp-global-mobility-for-special-report

Good news, dear old customers and new customers! MIC S series led flood light have got the ETL certificate! We have specialized in the flood light led business for many years. Our featured flood light includes 1000w led flood light, led flood light 500w, 400w led flood light etc. Full series range from 10w to 1000w. Dimmable, RGB, DC or AC input are available. This S series is the newest design and more and more customers express the interest Advantages of MIC S series led flood light as below: - Ultra Slim and streamline design, elegant appearance - Philips SMD3030 LEDs + Meanwell driver - CUL ETL DLC listed, high quality standard - 5 years warranty time, NO quality worries - Free of charge to laser your logo on the product MIC outdoor led flood light has wide application, suitable to be used for stadium, warehouse, supermarket, advertising board, street, garden lighting… Until now, MIC led flood light is ETL, FCC, CE, ROHS approved. Quality will be guaranteed to choose a branded manufacturer. The DLC certificate will come out in the coming June. We MIC is a reliable and professional manufacturer of commercial and residential led lighting. You could count on us!

https://www.mic-led.com/news/good-news-mic-s-series-led-flood-light-get-etl-certificate-no-5002701

Pen Underwriting has named Himir Patel as its new head of Cyber succeeding Adrian Scott, who was appointed as managing director of International & Financial Lines in February. Patel is currently head of Insight & Reserving which is part of Pen's core capabilities as a virtual insurer. He joined the company four years ago having served at Deloitte, Allianz and AIG. He will report into Adrian Scott in his new role. Adrian Scott said: “During his time with Pen, Hamir has shown himself to be a strong leader, excellent communicator and first-class manager of people. These qualities, alongside his technical insurance expertise and commercial acumen, stand him in great stead for taking the reins in what remains a key growth area for Pen. Adding: “Our dedicated cyber practice – where the speed, efficiency and flexibility of our instant, intuitive, online quote & bind facility on Pen Central is driven and underpinned by our team of experienced specialist underwriters – continues to see strong broker demand. Hamir’s analytical mind and management strengths will ensure Pen presses on with devising and delivering cutting-edge developments to protect the fast-evolving digital risks of businesses. And it’s great to be able to once again turn to our internal ranks of talent to fill a strategic leadership position.” Hamir Patel said: “When it comes to innovation in underwriting, it’s hard to think of an area more dynamic than cyber risk, with so much opportunity and challenge. I’m really looking forward to building on the fantastic foundations laid by Adrian with our team of cyber specialists, who are firmly focused on finding solutions and ways to transfer risk for our broker partners on behalf of their clients, whilst ensuring a strong underwriting result for our capacity partners.”

https://www.eamespartnership.com/blog/2020/05/pen-underwriting-appoints-new-head-of-cyber

An everyday staple and bestselling classic, the Hearts on Fire three-prong diamond studs will go with your every outfit and mood, period. Crafted in 18 karat white gold. Diamonds are 1/2ctw, I to J in color and VS-SI in clarity. Hearts on Fire Diamonds are cut at 100X magnification for a precise and consistent cut that allows them to sparkle to their fullest potential with maximum light return. Hearts On Fire master diamond cutters apprentice for between 5 and 10 years before they can cut a 1+ carat diamond, and when they do, the process is so rigorous and exacting that it takes 4 times as long to cut a Hearts On Fire diamond than it would take to cut a generic diamond. The result, a Hearts on Fire diamond’s perfect brilliance when you see the Hearts on Fire diamonds sparkle from everywhere. |Center Stone Carat Wt: This product usually ships out in 5-7 Business Days (Mon thru Fri) after your order has been fully processed. Products are shipped subject to Credit Authorization and Availability. Conflict free Diamond Policy We have adopted a zero tolerance policy towards Conflict or Blood Diamonds. Returns Policy Please Click Here to read our Returns Policy. Use this space to save the products you like. To add a product here, simply click the icon.

https://www.vangundys.com/fine-jewelry-collection/earrings/hearts-on-fire-12ctw-diamond-three-prong-white-gold-stud-earrings-0021502000997.html

Introduction: Step into the enchanting realm of Lily Starfire Encore, an extraordinary domain steeped in fascination and enigma. In this comprehensive guide, we shall embark upon an exploration of the mesmerizing universe of Lily Starfire Encore, divulging insights, tracing its historical tapestry, and offering answers to inquiries commonly posed. Whether you are a neophyte or a seasoned aficionado, this composition promises to furnish you with profound insights into this captivating phenomenon. Lily Starfire Encore: A Symphony of Elegance Starfire Encore: The Iconic Epitome of Beauty Lily Starfire Encore, a phrase that reverberates with poise and splendor, persists as a timeless emblem of refinement. Its mere mention evokes imagery of irresistible allure and beguiling charm. The origins of Lily’s Starfire Encore harken back to a bygone epoch when sophistication reigned supreme. This bewitching concept has metamorphosed over the ages, emerging as a cherished emblem of grace and allure. The Intricate Design The intricately woven fabric of Lily Starfire encapsulates a symphony of sophistication. Every constituent within its architecture is meticulously fashioned to foster a harmonious fusion of aesthetics. Embracing in Modern Times In the contemporary milieu, Lily’s Starfire Encore continues to ensnare hearts and intellects alike. Its ageless allure transcends epochs, establishing it as a symbol of timeless beauty. Lily Starfire Encore: A Journey Through Time The Historical Significance Lily Starfire Encore’s boasts a rich historical import, with roots that stretch far into antiquity. A foray into its historical annals bestows a more profound comprehension of its magnetic appeal. A Collector’s Dream For collectors, Lily Starfire Encore is a reverie actualized. The historical legacy and scarcity of this concept render it a coveted addition to any assembly. The Magic of Nostalgia Nostalgia envelops Lily Starfire, summoning recollections of an era when elegance and grace reigned supreme. Unveiling Its Secrets The Elegance in Simplicity Lily Starfire Encore instructs us in the art of discovering elegance within simplicity. Its design underscores the verity that true beauty lies in the minutiae. The concept of Lily Starfire embodies symbolism that transcends the realm of aesthetics. It conveys profound messages and instructive parables. Artisanship plays an integral role in the manifestation of Lily Encore. Fastidious attention to detail and unwavering dedication are palpable in its genesis. Frequently Asked Questions What is the significance of Lily Starfire? Lily Encore symbolizes enduring beauty, refinement, and grace. It epitomizes an era when simplicity was extolled. Where can one find Lily Encore today? Lily Encore may be unearthed in the precincts of collectors’ markets, antiquarian emporiums, and digital auction platforms. Is Lily Starfire Encore a good investment for collectors? Indeed, Lily Starfire Encore’s possesses both historical and aesthetic value, rendering it a sagacious inclusion in any assemblage. What lessons can we learn from Lily Starfire? Lily Starfire imparts to us the ability to extol beauty within simplicity and embrace the elegance of yesteryears. Can I find Lily Starfire Encore’s replicas or reproductions? Yes, replicas and facsimiles are attainable for those desiring to bask in the splendor of Lily Starfire Encore’s. Lily Starfire Encore represents more than a mere concept of sophistication; it is an ageless emblem of beauty and grace. Its historical resonance, intricate composition, and timeless magnetism render it a subject of fascination for devotees and collectors alike. Through an odyssey into the realm of Lily Starfire Encore, we uncover the enduring allure of a bygone epoch, exalting beauty in its most unadorned form.

https://digitaltectics.com/unlocking-the-magic-of-lily-starfire-encore-a-complete-guide/

Uncategorized Danny Gluszkiewicz: Your Go-To Expert for Insurance Solutions By Robert - February 27, 2023 0 259 Share Facebook Twitter Google+ Pinterest WhatsApp Insurance can be a complicated topic, but it is an essential part of protecting yourself and your assets. Finding the right insurance coverage can be overwhelming, especially with the numerous options available in the market. This is where Danny Gluszkiewicz comes in – an experienced insurance broker who can help identify and implement practical insurance cover for clients across Australia.Who is Danny Gluszkiewicz?Danny Gluszkiewicz is an insurance broker who has been in the industry for over 20 years. He is the founder of Danny Gluszkiewicz Insurance Brokers, which is dedicated to providing comprehensive insurance solutions to businesses and individuals across Australia.Danny has extensive experience working with a range of clients, from small business owners to large corporations. He takes pride in his ability to understand his clients’ unique needs and challenges, and tailor insurance solutions that fit their specific requirements.Identifying Practical Insurance CoverWith so many insurance options available in the market, it can be challenging to determine what coverage is necessary for you or your business. Danny Gluszkiewicz understands this dilemma and has the expertise to identify practical insurance cover that best suits your needs.He takes a hands-on approach when working with clients, taking the time to understand their current situation, risk tolerance, and long-term goals. This enables him to provide personalized insurance solutions that are tailored to each client’s specific requirements.Implementing Insurance SolutionsIdentifying the right insurance coverage is only half the battle. Implementing the insurance solutions is the other crucial part. Danny Gluszkiewicz works closely with his clients to ensure a seamless implementation of insurance cover. He handles the entire process, from selecting the right insurance carrier to negotiating favorable terms and conditions.Danny’s clients appreciate his attention to detail and ability to simplify the insurance process. His goal is to ensure that his clients have the necessary protection in place without any undue stress or hassle.Why Choose Danny Gluszkiewicz?Choosing the right insurance broker is essential to ensuring that you have the best coverage in place for your needs. Here are some reasons why Danny Gluszkiewicz should be your go-to expert for insurance solutions in Australia:1. Experience – With over 20 years of experience in the industry, Danny Gluszkiewicz has a deep understanding of the insurance market and knows how to identify practical insurance cover.2. Personalized Service – Danny takes the time to get to know his clients and tailor insurance solutions that fit their unique needs and goals.3. Expertise – Danny has the expertise to handle all aspects of the insurance process, from identifying the right coverage to implementing the insurance solutions.4. Seamless Implementation – Danny ensures that the insurance solutions are implemented seamlessly, taking care of all the details so that clients can focus on their core business activities.ConclusionInsurance is a vital part of protecting yourself and your assets. Danny Gluszkiewicz is an experienced insurance broker who can help identify and implement practical insurance cover for clients across Australia. With his personalized service, expertise, and attention to detail, Danny is your go-to expert for insurance solutions. Contact Danny Gluszkiewicz Insurance Brokers today to learn more about how he can help you.

https://www.media34inc.com/danny-gluszkiewicz-your-go-to-expert-for-insurance-solutions-in-australia/

BI’s Article search uses Boolean search capabilities. If you are not familiar with these principles, here are some quick tips. To search specifically for more than one word, put the search term in quotation marks. For example, “workers compensation”. This will limit your search to that combination of words. To search for a combination of terms, use quotations and the & symbol. For example, “hurricane” & “loss”. The Property Claim Services unit of Verisk Analytics Inc. doesn't have to declare the cause of insured property damage a catastrophe for insurers to feel the losses. That was underscored in the first half of this year as underwriters tallied costs of property-damaging events, whether they were weather-related or not. For example, Chubb Corp. Chairman, President and CEO John D. Finnegan said in a statement that “our results this quarter were adversely impacted by catastrophe and noncatastrophe losses related to severe weather in the United States as well as an unusually high level of homeowners and commercial fire losses.” Hartford Financial Services Group Inc. also noted that “elevated weather losses” affected its second-quarter performance. Gloria Vogel, a senior vice president at Drexel Hamilton L.L.C. in New York, said noncatastrophe weather events involving hail, wind and fire losses are “very local in nature.” “The industry's been calling these "kitty cats' — not catastrophes,” Ms. Vogel said. “But pennies begin to end up a dollar.” A slowdown in rate increases, an uptick in weather-related and other property losses, and ongoing low investment returns weighed on the largest commercial property/casualty insurers' first-half results.

https://www.businessinsurance.com/article/00010101/NEWS06/308319989/Small-but-frequent-weather-related-losses-hit-insurers-profits

HVAC insurance, short for Heating, Ventilation, and Air Conditioning insurance, is a specialized type of coverage tailored to protect businesses and professionals in the HVAC industry. HVAC contractors, technicians, and businesses that install, maintain, or repair heating, cooling, and ventilation systems rely on this insurance to safeguard against the unique risks and liabilities they face. HVAC insurance typically includes coverage options like general liability, which protects against third-party claims for bodily injury or property damage, and property insurance, which covers HVAC equipment, tools, and vehicles. Additionally, it may include coverage for errors and omissions, workers’ compensation, and pollution liability, addressing the various challenges that HVAC professionals encounter. This insurance is crucial for maintaining the financial stability and reputation of HVAC businesses, allowing them to focus on delivering efficient and reliable services to clients while minimizing potential financial risks. Specialized HVAC insurance is a tailored coverage package designed exclusively for businesses and professionals in the Heating, Ventilation, and Air Conditioning (HVAC) industry. This insurance recognizes the unique risks and challenges faced by HVAC contractors, technicians, and companies, offering comprehensive protection. It typically includes coverage for: General Liability: Protection against third-party claims for bodily injury, property damage, or advertising injury that may occur during HVAC work. Property Insurance: Coverage for HVAC equipment, tools, and supplies, ensuring that expensive assets are protected from damage or theft. Errors and Omissions (E&O) Insurance: Safeguards against claims of professional negligence, mistakes, or errors in the design or installation of HVAC systems. Workers’ Compensation: Required in most jurisdictions, workers’ compensation insurance covers medical expenses and lost wages for employees injured on the job. Commercial Auto Insurance: If HVAC professionals use vehicles for business purposes, this insurance covers accidents, property damage, and liability associated with company vehicles. Pollution Liability: Important for HVAC work involving refrigerants, this coverage addresses environmental liability claims resulting from refrigerant leaks or contamination. Contractor’s Equipment Insurance: Offers additional protection for specialized HVAC tools and equipment used on job sites. Business Interruption Insurance: Provides financial support if a covered event, such as a fire, disrupts HVAC business operations, leading to lost income and ongoing expenses. Surety Bonds: Bonds provide assurance to clients that HVAC projects will be completed as agreed, offering financial protection to clients in case of non-performance. Cyber Liability Insurance: Protects against data breaches, cyberattacks, and unauthorized access to client information, including notification expenses and legal fees. Legal Expense Insurance: Covers legal expenses associated with disputes, contracts, or legal matters arising in the HVAC industry. Workers’ compensation insurance is a must for HVAC (Heating, Ventilation, and Air Conditioning) businesses and professionals for several important reasons: Legal Requirement: In most jurisdictions, workers’ compensation insurance is a legal requirement for businesses with employees. HVAC companies typically employ technicians, installers, and other personnel who may be exposed to workplace hazards. Failing to carry workers’ compensation coverage can result in fines, penalties, and legal consequences. Employee Protection: HVAC work involves various physical tasks, including installation, repair, and maintenance of HVAC systems, which can carry inherent risks. Workers’ compensation provides essential protection to employees by covering medical expenses, rehabilitation costs, and lost wages if they are injured or become ill due to work-related activities. Financial Stability: Without workers’ compensation insurance, HVAC businesses may be financially responsible for covering the medical bills and wages of injured employees out of pocket. This can strain a company’s finances and potentially lead to financial instability or bankruptcy. Attracts and Retains Talent: Offering workers’ compensation coverage demonstrates a commitment to employee well-being and safety. It can help HVAC companies attract skilled technicians and retain experienced staff who are more likely to work for businesses that prioritize their safety and financial security in case of workplace injuries. Mitigates Lawsuits: Workers’ compensation insurance is a no-fault system, meaning that employees are generally not allowed to sue their employer for workplace injuries in exchange for guaranteed compensation. Having this coverage can prevent costly and time-consuming legal disputes and potential lawsuits. Covers Occupational Hazards: HVAC professionals may be exposed to various occupational hazards, including the risk of falls, electrical shocks, burns, or exposure to refrigerants. Workers’ compensation insurance provides coverage for injuries resulting from these hazards. Protects Business Reputation: In the event of a workplace injury or illness, workers’ compensation helps ensure that injured employees are taken care of promptly and fairly. This can preserve the reputation of the HVAC business and maintain trust with clients and the community. Compliance with Industry Standards: Many HVAC industry associations and organizations require members to have workers’ compensation coverage as part of their membership criteria. Compliance with industry standards may be essential for networking and gaining client trust. In summary, workers’ compensation insurance is a crucial component of risk management for HVAC businesses. It not only ensures legal compliance but also protects employees, stabilizes finances, and helps maintain a positive reputation within the industry and the community. By providing financial support and medical care for injured workers, it demonstrates a commitment to employee safety and well-being, which can contribute to the overall success and longevity of HVAC companies.

https://gettia.com/hvac-insurance/

SportUnderwriters.com & SportsInsurance.com: Fully Integrated Insurtech Solutions Some 25 years ago a couple of experienced general insurance brokers followed their passion for all things sports to explore two BIG ideas: 1) a fully automated, online insurance platform and 2) a means to super serve a gap in the insurance industry for sports insurance and special events coverage. And so it began, the development of an online platform exclusively targeting sports and special events insurance. The original ambition: less paperwork for agents, more time for playing sports. That simple. Flash forward. Today, our experienced team is laser-focused on expanding the specialty market that is sports insurance that also includes fully integrated solutions for special events, facilities, and entertainment insurance. Our customer service team has benefitted from years of listening to and collaborating with customers and broker/agents on their particular needs, concerns and suggestions. By systematically sharing and testing this feedback with our IT team, we have elevated the capacity of our platforms to include them all. To what end? To provide the single greatest advantage of the sportsinsurance.com platform to our customers: online facilitated purchases. And for brokers/agents, the sportunderwriters.com platform provides them with the unique ability to build their own online business, all online and paperless. Once registered, brokers/agents can forward all applications to their clients to complete; consult with their clients on their applications when necessary; submit for quote and review, bind, save and manage all their files, all while owning every client contact themselves with no third party involvement, completely paperless. As sports insurance providers, sportsinsurance.com and sportunderwriters.com continue to attract to its team tech savvy employees and importantly, innovative entrepreneurial software engineers. Safe to say that two decades of work and play has definitively answered the original burning question: what can we do to 1) facilitate online customer insurance needs, 2) improve the work/life of broker/agents, and 3) streamline all aspects of broker operations. Our goal was to build A World of Sports; One Place for Insurance, all online and paperless. Powered by The Aurelius System, sportsinsurance.com and sportunderwriters.com continue to pursue growth in our insurance product offerings, innovation in user experience, and refinement in the proprietary platform that underpins them both, The Aurelius System.

https://sportunderwriters.com/history/

LILYXIN Premium Automatic Compact Umbrella Windproof – Wooden Handle Large Travel Umbrella Folding – Portable Black Rain Umbrella Auto – Premium Mens Umbrella (as of Dec 10,2022 05:36:01 UTC – Details) This premium umbrella is a good choice as a gifts, especially suitable for business gifts, gifts for men, gifts for fathers, gifts for grandfathers Compact and lightweight it’s compact umbrella lightweight and easy to carry, which can be put into bags, backpacks, travel bags etc. It is perfect for travel, business, camping, fishing, and daily use. Umbrella automatic mechanism. Ultra resilient dome. 10 durable fiberglass ribs. Finest waterproof 210t coating. Windproof, uv-proof, rainproof. Ergonomic wooden handle. Easy to use – auto open and close your sun and rain umbrella with a press of button, allowing you to fully open the umbrella using just one hand. Date First Available : March 9, 2021 ASIN : B08YD9KWN7 Compact umbrella for sun and rain: weight: 1.37lb, foldable length: 11.8 inch, diameter of opened umbrella: 41inch, the well-made and high quality of material provide the premium protection and durable use of long life. Auto open-close smoothly: automatic travel umbrella is designed with one button on/off on the super smooth wooden handle for easy one-handed operation, great for quick entry into a car, building, or tent. The complete opaque black glue coating, providing 100% uv protection. Strong windproof design: our foldable umbrella is made of 10 premium fibreglass rib, each rib is reinforced with high-density thickened fibreglass ligaments to prevent breakage or rib distortion in strong winds. The ribs will bend and flex in windy conditions so not to easily break or invert, even if the canopy blows inside out during sudden gusts, it can be easily flipped back into position without damaging the frame. Superior ultra-soft 210T high-density water repellent fabric keeps you dry and protected from the rain. It is the nice fabric ever used in any umbrella and dries very quickly. Well design with perfect details: luxe wood, polished metal, We’ve merged wood with metal to elevate the look and feel of each handle. It is solid to the touch and ensures a comfortable, secure grip.

https://24golf.store/product/lilyxin-premium-automatic-compact-umbrella-windproof-wooden-handle-large-travel-umbrella-folding-portable-black-rain-umbrella-auto-premium-mens-umbrella-2/

The cyber insurer Measured Analytics and Insurance has announced that it will be joining the excess cyber insurance market with a new product offering. “Rising prices for cyber insurance and the overall lowering of policy limits made it critical for Measured to introduce this excess policy,” said Measured CEO Jack Vines. “Innovative underwriting paired with powerful data and analytics will allow us to provide additional coverage and risk mitigation that is crucial to businesses.” “Measured’s excess policy was built in partnership with brokers, based on their valuable feedback,” added Measured head of insurance Nick Little. The new excess cyber offering comes after Measured launched its CyberGuard 2.0 insurance solution in May. CyberGuard 2.0 leverages data and analytics to provide clients with more insight into the cyber risks they face and is underwritten using proprietary data and AI to ensure stable risk evaluation. Read more: Measured Analytics and Insurance introduces new cyber insurance product The new excess product is meant to complement Measured’s CyberGuard. “Best-in-class underwriting and analytics from our primary CyberGuard product will enable us to provide excess policies quickly and accurately. Customized coverage from Measured will support primary terms from carriers also focused on leading innovation in the cyber insurance market,” explained Little. Measured’s policies are written on AM Best rated “A+” paper, and the company offers cyber insurance to US companies with revenues up to $500 million.

https://sepoy.net/measured-analytics-launches-new-excess-cyber-insurance-offering/

In the ever-evolving landscape of insurance, embracing digital transformation is crucial for staying competitive and meeting customer needs. In a recent episode of Unstructured Unlocked, James Wright, Head of Technology at Beazley Digital, shared valuable insights into how their organization is navigating the digital space and shaping the future of the insurance industry. Beazley Digital is not your typical insurance company. They’ve embraced a distinctive approach by combining technology operations and underwriting into a single team. Operating globally in regions such as the UK, France, Germany, Spain, and Canada, they offer a diverse range of about 15 different insurance products. James Wright leads the North American and UK teams, with a primary focus on small commercial insurance and specialty risks. Listen to the full podcast here: Unstructured Unlocked episode 32 with James Wright, Head of Technology at Beazley Digital Automating underwriting and streamlining distribution At the heart of Beazley Digital’s mission is the quest to automate the underwriting process and connect their products to distribution channels. The aim is to make it easier for brokers to access these products digitally, aligning their strategy with the evolving needs of brokers and customers. Their approach involves providing a consistent digital interface for brokers and customers, organized around delivery channels. Wright emphasized that their API team is essentially a product team, ensuring they have a deep understanding of both the insurance market and the technology side to create valuable solutions. Challenges of AI and LLMs in underwriting Navigating the landscape of underwriting presents unique challenges, particularly in the integration of AI and large language models (LLMs). Wright highlighted the intricate nature of the underwriting process within the technology sector, emphasizing the necessity of encoding the nuanced knowledge of underwriters into the product system for effective automation. In the realm of AI adoption in underwriting, the industry finds itself in the early phases of a digital transformation. Beazley Digital recognizes the need to overcome hurdles by actively exploring innovative approaches, such as harnessing the power of large language models to extract information from submissions and streamline the underwriting process. The ongoing challenge revolves around striking the delicate balance between digital-first initiatives and existing legacy systems. Beazley Digital remains optimistic that the integration of AI and LLMs has the potential to not only simplify processes but also contribute to lowering data quality costs and enhancing the overall efficiency of data extraction. Adapting to the evolving landscape of AI in underwriting is imperative, and organizations must be open to learning from experiences that may not unfold as planned, ensuring they effectively address the dynamic needs of the market and their clientele. Value of adaptability in digital transformation James Wright’s insights offer a glimpse into the innovative and agile approach of Beazley Digital. Their focus on outcomes, adaptability, and customer-centricity sets a valuable example for the insurance industry. As the digital transformation journey continues, the ability to iterate and meet evolving customer needs will be paramount. In the world of insurance, Beazley Digital’s unique structure and approach demonstrate that combining the power of technology and underwriting can drive efficiency and offer solutions tailored to the digital era. Whether you’re in the insurance industry or simply curious about the impact of digital transformation, this podcast episode provides a wealth of knowledge and insights to consider as the industry continues to evolve. Find the full podcast transcript here. Check out the full Unstructured Unlocked podcast on your favorite platform, including:

https://indicodata.ai/blog/a-unified-approach-to-digital-transformation-in-underwriting-insights-from-james-wright-of-beazley-digital/

Company Name: General Search & Recruitment Insurance Underwriting Recruiters In Tennessee General Search & Recruitment (GSR) is a professional firm with over 43 years of insurance staffing expertise. With a focus on underwriting, claims, and sales, we have honed our skills in identifying the very best and brightest professionals in the insurance sector. Our extensive reach spans from sourcing to screening, ensuring that we stay updated with the industry's pulse and build valuable relationships with both professionals and employers. At GSR, we understand the critical role that underwriters play in the insurance industry. Their expertise in assessing risks and determining policy terms and conditions is crucial for the success of insurance companies. That's why we specialize in recruiting top-notch insurance underwriters in Tennessee. Why Choose GSR? 1. Industry Knowledge and Expertise: With over four decades of experience in insurance staffing, GSR has developed an in-depth understanding of the insurance industry. We stay updated with the latest trends, technologies, and regulations, allowing us to find the right candidates who possess the required skills and knowledge. 2. Extensive Network: Through years of dedicated service, we have built strong relationships with professionals and employers in the insurance industry. Our vast network enables us to access a wide pool of talented underwriters in Tennessee, ensuring that we find the perfect match for each job opening. 3. Precise Screening Process: We believe in quality over quantity. Our meticulous screening process involves evaluating candidates based on their qualifications, experience, skills, and cultural fit. This ensures that we present only the most suitable candidates to our clients, saving time and effort in the recruitment process. 4. Tailored Solutions: We understand that every insurance company is unique, with its own set of requirements and company culture. At GSR, we take the time to understand your specific needs and customize our recruitment solutions accordingly. This personalized approach ensures that we find candidates who not only meet the job requirements but also align with your company's values and goals. Call to Action: Ready to find the best insurance underwriters in Tennessee for your company? Trust General Search & Recruitment, the experts in insurance staffing. Contact us today at (312) 922-6664 or [email protected] to discuss your recruitment needs. To learn more about GSR's success stories and industry insights, visit our website: - Crystal & Co. Names Borges Director in California (https://gsr4you.com/crystal-co-names-borges-director-in-california/) - Insurance Recruiters (https://insurancerecruiters.com) - LinkedIn - General Search & Recruitment (https://www.linkedin.com/company/general-search-&-recruitment?trk=ppro_cprof) - LinkedIn - Mike McDonough, GSR (https://www.linkedin.com/in/mcdonoughmikegsr4you/) - Insurance Journal (https://www.insurancejournal.com) Remember, when it comes to insurance underwriting recruiters in Tennessee, GSR is your trusted partner in finding the best talent for your team.

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

The authorities have also asked the company to bring the proceeds of the sales back to China, reports Bloomberg, citing people who asked not to be identified. Anbang is a holding company for subsidiaries that deal primarily with insurance, banking and financial services. Among its overseas assets, Anbang owns Dutch insurer Vivat, South Korea’s Tongyang Life, and Iowa-based Fidelity & Guaranty Life. In April 2016, the group also acquired Allianz’s South Korea operations. Other holdings include the Waldorf Astoria New York hotel plus a further 16 landmark US hotels. The company had also recently been in talks with a real estate company part-owned by US president Donald Trump’s son-in-law and senior White House adviser, Jared Kushner, reports the BBC. The company’s former chairman, Wu Xiaohui, was arrested on 8 June 2017 as part of an investigation into economic crimes. The request to Anbang coincides with a ramp up in the supervision of the management of asset liability by insurers by the China Insurance Regulatory Commission (CIRC). Citing an online statement from the CIRC, newswire Reuters reported that the Chinese insurance sector is facing increasing difficulties in matching assets and liabilities due to “major conflicts” between highly volatile investment income and fixed liability cost. In particular, some insurance companies that lack effective corporate governance have adopted aggressive operational and investment strategies, causing a huge risk exposure and liquidity issue, the CIRC said. In recent years, around 20 Chinese insurers have taken sizable stakes in listed companies, funded by issuing high-yield, short-term universal life insurance and other investment products. “Asset liability management is a fundamental ability and the core competitiveness for insurance companies, especially for life insurance companies,” the regulator said in an online Q&A statement. The CIRC has set up a committee to supervise insurers’ asset liability management and is drafting additional rules to be put in place by the beginning of 2018.

https://international-adviser.com/china-gov-tells-anbang-insurance-sell-overseas-assets/

Energy Entertainments are gearing up for the Surfers Paradise Festival 2014 Performing over 6 shows during the festival. Neal Webb founder of Energy Entertainments will be performing Kung fu (Style – Chang Quan – Long Fist – http://martialarts.about.com/od/styles/a/A-History-And-Style-Guide-Chang-Quan-Or-Long-Fist-Kung-Fu.htm) Fire Sword, Bo Staff (on fire), Single and double fire staffs, Fire poi, Fire Ropes and Fire dragon staffs. All fully choreographed to captivating music at various locations around Surfers Paradise. Keep an eye on the Surfers Paradise Festival website – http://www.surfersparadisefestival.com/ The latest news from the from the Gold Coast Bulletin http://www.goldcoastbulletin.com.au/entertainment/traders-prepare-for-influx-of-visitors-for-surfers-paradise-festival/story-fnj94hgr-1226861606147 For a preview of shows visit https://www.energyentertainments.com.au/ for more information, pictures, videos and a whole lot more. Live life to the full <meta name="fire entertainment" Surfers Paradise Festival 2014

https://www.energyentertainments.com.au/surfersparadisefestival2014/

Carla is responsible for risk consulting and actuarial services focused on the insurance sector at Ernst & Young, S.A. She coordinates and executes multiple projects with insurance companies in Portugal, Angola and Cape Verde, including the implementation of IFRS 17, Solvency II and Capital Optimization, Reserving, Pension Funds Valuations and actuarial Due Diligences in M&A. Carla is the Appointed Actuary of several life and non-life insurance companies. She is responsible for the coordination and execution of actuarial work within audit statutory assignments in Portugal, Angola, Cape Verde and Mozambique. Carla has more than 20 years of experience in the insurance sector, having worked at the Insurance and Pension Funds Regulator for 16 years, which has allowed her to gain extensive knowledge of the insurance sector and the applicable regulations. She graduated in Mathematics and Actuarial Sciences from Universidade Nova de Lisboa and has a Master of Actuarial Sciences degree from ISEG. How Carla is building a better working world The insurance sector has faced and will continue to face many challenges, from regulation to climate and demographic changes. Also, through the need for customer centrality, there will be the emergence of new risks, such as cyber risks and the speed of technological innovation. The work that Carla and her team have been doing with their customers has contributed to a more robust insurance sector that is better prepared to face the coming challenges.

https://www.ey.com/en_pt/people/carla-sa-pereira

’The team bring a wealth of experience and a specialism,’ says managing partner Chartered insurance broker Partners& has acquired Hall Insurance Services as it looks to bolster its presence in the south east, a statement released yesterday (3 October 2023) said. London-based Hall Insurance Services is an independent broker that provides commercial and personal insurance services and solutions to corporations and private individuals. Its specialisms include property, construction, liabilities, professional indemnity, household and motor. Isha Patel, managing partner for the south east at Partners&, said purchasing the firm was “in line with our culture at Partners& and marks another important milestone in our growth plans”. “The Hall Insurance team bring a wealth of experience and a specialism in the property sector, which significantly strengthens our expertise in this area within the south east region,” she added. “The team pride themselves on strong client relationships with a phenomenal retention rate, which is testament to the great service and high-quality advice they have offered over the years.” This came after Partners& told Insurance Times that it was looking to grow its business through selective recruitment and acquisition activity where there was a “strong alignment” of culture and values. As part of this, the firm acquired NexGen Insurance Solutions last month (21 August 2023). Its latest acquisition of Hall Insurance Services came after managing director Mark Hall became impressed by Partners&’ vision for the group. “We are very excited at the prospect of joining forces with the Partners& team,” Hall added. ”Hall Insurance’s alliance with Partners& will not only provide increased opportunities in the market, but also an additional level of service that will only benefit all our clients.” Beyond the world of insurance, I've ventured into creative pursuits that promote inclusivity and representation. My written work has found a home in publications such as Orange Magazine, Peahce Project, and others.View full Profile

https://www.insurancetimes.co.uk/news/partnersand-inks-new-deal-to-expand-in-the-south-east/1445762.article

Since ChatGPT’s launch in November 2022, AI has been gaining a lot more attention from the media, popping up on friendly talking circles and, of course, in the insurance community. AI is now a perpetual feature of our life, offering greater efficiency, automation and autonomy for businesses and their clients. Insureds are also increasingly raising questions about insurance coverage and possible future restrictions, and underwriters are concerned about potential new exposures. So, seeing the numerous questions and concerns from clients and underwriters, Joanne Cracknell and Roberto Felipe joined forces to propose a few thoughts on how AI is impacting the Professional Liability universe. Although it is a growing underwriting concern at the moment, it is recognised that AI may reduce risk for insureds and insurers alike, particularly as AI can take many forms and can include machine-based learning, deep learning, narrow AI, and artificial general intelligence. The speed that AI can process vast amounts of data to identify potential problems and anomalies cannot be done by any human, which enables predictive analysis and fast (non-human) decision making leading to positive results. If the use of AI is based on a robust corporate policy by the insured, it should offer extra comfort to underwriters in terms of risk prevention and management. Nevertheless, it is crucial to initiate a dialogue and inform underwriters about AI's usage in rendering professional services. AI's integration extends to various industries, including Construction, where it enhances efficiency and quality across various stages. From Pre-Design with feasibility studies to validating building code compliance during Permitting and Approvals, or even optimising Project Management, AI streamlines tasks, making them more efficient and cost-effective. Hence, regardless of the underlying business using AI, discussing how AI is employed, including the insured's policy, protocols, and controls, with underwriters is imperative. This not only raises awareness of potential exposure but also highlights risk mitigation through disciplined and effective technology utilisation. Therefore, the conversation on how the AI is being used (including full insured’s policy on the matter, protocols, and controls) is necessary to be held with underwriters, so they are not only aware of potential exposure, but can also appreciate how risk is being mitigated with a disciplined and effective use of this technology. Underwriters concerns in AI usage are centred on professionals recklessly using chatbots which can result in inaccurate advice and wrongful professional acts. An illustrative example emerged earlier this year, involving a US lawyer who sought to establish legal precedent using ChatGPT without adhering to established protocols. Similar situations could arise if accountants exclusively rely on chatbots for tax solutions or engineers employ AI for project specifications, bypassing corporate/market-tested and approved tools. Roberto has over 15 years’ experience in the Professional Liability insurance market in Latin America, Continental Europe and in the UK. Roberto has a long trajectory as a Construction Professional Indemnity underwriter, serving as Regional and Global Practice Leader for a renowned insurance company. Roberto joined WTW as a Client Management Director on the Construction Professional Indemnity team in London. The team is exclusively focused on Design Consultants, Design Build Contractors and Project Owners with a bias towards large and complex Professional Indemnity insurance placements for global contractors and consultants.

https://www.wtwco.com/en-my/insights/2023/10/navigating-ai-risks-in-professional-liability

A Product for the Underinsured Broad Market January 23, 2019 — LYNCHBURG, Va.–(BUSINESS WIRE)–Pacific Life today announced the addition of PL Promise GUL1, a new, no lapse guarantee universal life insurance (GUL) product to its PL Promise line. Designed to help address the life insurance needs of the underinsured broad market, the new life insurance policy provides lifetime death benefit protection with predictable premiums, longer guaranteed coverage periods, and living benefit options2 to help meet evolving financial needs. The policy features: - Accessible $25K minimum face amount - Consumer protection so premiums paid one month early or late will have no adverse impact to intended guarantee – avoids unnecessary catch-up premiums.3,4 - Predictable and convenient fluidless underwriting for up to $1 million in coverage for clients age 50–69 Enhanced cash surrender value rider at no additional cost.5 “In the PL Promise product line, we have developed simpler products with lower minimum coverage amounts and competitive pricing to make them more accessible to the broad market,” said Brynn Thabet, assistant vice president of product management in the Lynchburg life insurance division of Pacific Life. “The PL Promise expansion offers peace of mind for those looking to protect their families for longer than term life insurance might cover. Plus, our consistent and predictable fluidless underwriting has clear qualification criteria, and no unexpected knock-outs.” Coverage for the Broad Market For the broad market (U.S. households with annual income of $50,000 to $250,000), Pacific Life offers competitively priced PL Promise life insurance products and the convenience of no additional medical exams or bodily fluids for clients ages 50–69 through a simplified underwriting program, PL Smooth Sailing. To learn more about PL Promise, interested life insurance producers can contact the Lynchburg office sales desk at (844) 238-4872 or [email protected]. About Pacific Life For more than 150 years, Pacific Life has helped millions of individuals and families with their financial needs through a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Whether your goal is to protect loved ones or grow your assets for retirement, Pacific Life offers innovative products and services that provide value and financial security for current and future generations. Pacific Life counts more than half of the 100 largest U.S. companies as its clients. For additional company information, including current financial strength ratings, visit www.PacificLife.com. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Client count as of June 2018 is compiled by Pacific Life using the 2018 FORTUNE 500® list. Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. PL PROMISE GUL No-Lapse Guarantee Universal Life Insurance. Policy Form #P18PRUL and S18PRUL or ICC18 P18PRUL and ICC18 S18PRUL, based on state of policy issue. Riders will likely incur additional charges and are subject to availability, restrictions and limitations. When considering a rider, request a policy illustration from your life insurance producer to see the rider’s impact on your policy’s values. The Lifetime No-Lapse Guarantee Rider (form #R17LYFNL or ICC17 R17LYFNL, based on state of policy issue) is included in the policy at no additional charge. The no-lapse guarantee, depending on how you structure your policy, has a maximum duration of the insured’s lifetime, subject to certain limits. If your net no-lapse guarantee value is zero, the no-lapse feature terminates. If the no-lapse feature terminates, additional premiums would be required to resume the no-lapse guarantee. If policy performance is such that your policy is being maintained solely by the no-lapse guarantee, your policy will not build cash value. Universal life insurance generally requires additional premium payments after the initial premium. If either no premiums are paid, or subsequent premiums are insufficient to continue coverage, it is possible that coverage will expire. Enhanced Surrender Value Rider (form #R17LYESV or ICC17 R17LYESV, based on state of policy issue) is included at no additional charge in policies with death benefits of $50,000 or more with an elected no-lapse guarantee to at least age 100. For ages 70 and above, no-lapse guarantee duration must be at least 30 years. Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges. Pacific Life’s home office is located in Newport Beach, CA.

https://www.lifehealth.com/pacific-life-introduces-new-no-lapse-guarantee-universal-life/

Tesla Cybertruck wrap ideas have been shared since the all-electric pickup truck was unveiled a few years ago. The concept of Cybertruck wraps quickly took root in Tesla’s customer base. Matte Black Cybertruck Wrap LakeStevensPete suggested a matte black Cybertruck wrap. Black wraps seem to be a favorite for the Cybertruck, probably because of its gritty post-apocalyptic vibe. A matte black Cybertruck wrap is also a little reminiscent of The Cape Crusader, particularly Christian Bale’s Batman. Marble Cybertruck Wrap Meanwhile, Mini2nut thought the Tesla Cybertruck would look good in a Bianco Carrara marble vinyl wrap, usually used on smaller vehicles. Although a few Ford pickup trucks are known to sport the Bianco Carrara marble wrap sometimes. A darker black-gold marble wrap might suit the Tesla Cybertruck, too. Steel Top, Wrapped Bottom Cybertruck Design Stumby might have had one of the most unique Cybetruck wrap designs so far—including ideas that have surfaced recently in 2023. The Cybertruck Owners Club member suggested keeping the top half of the Cybertruck stainless steel and wrapping the bottom in black. Then, Stumby suggested separating the top half from the bottom with a colored pinstripe. Shortly after unveiling the Cybertruck, Tesla discovered that customers wanted wraps for the all-electric pickup. Tesla teased customers with wrap ideas while testing the Cybertruck on roads before deliveries. Tesla’s camouflage wraps for the Cybertruck piqued people’s interest enough for them to consider Cybertruck camo wraps.

https://shop.teslarati.com/en-ca/blogs/news/tesla-cybertruck-wrap-idea

Umbrella producers have come a actually extended way given that the times of Mary Poppins. Mary Poppins, the heroine of a 1964 American musical fantasy movie, was a magical nanny who travelled significantly and extensive significantly to the amazement of her wards, on the electricity of her black nondescript umbrella, which she would casually near following a smooth landing. One particular can be certain her powers would be significantly enhanced if she was utilizing a single of the colorful marketing golf umbrellas that are so in vogue nowadays! Umbrellas have been about given that 3000 years and nowadays the sheer range of them, which can be seen online on any manufacturer’s site can take your breath absent. Listed here are inverted golf umbrella -liked types in no distinct order: · Style umbrellas – exclusive parts with a specific characteristic below and there like a C formed deal with, a personal monogram, a princess lace dome parasol, a seriously simple stick umbrella – decide a single to suit your trend assertion · Rain umbrellas – with motifs suggestive of rain, like raindrops, clouds, a ideal black or a cheerful color to distinction the skies utility productive like inverted umbrellas and golf umbrellas for the rain · Folding umbrellas – These have anti UV coatings and are printed with rather motifs. They have telescoping shafts and are simple to have in a bag. · Straight umbrellas – normally about two toes tall, and are tremendous thin to make up for their straightness. They are fashioned separately for guys and women and appear with automobile open and shut attributes · LED Umbrellas appear with LED lights included in the principal shaft that arrive on with pressing of a button. These are useful when going for walks on darkish roadways in the rain. · Golfing Umbrellas – are normally manufactured for golfers for safeguarding themselves and their golf baggage. They are oversized. Because they provide greater safety from the rain, they are favored by the common public too. · Little ones Umbrellas – are lightweight and are styled after popular cartoons, or characters from Walt Disney’s children’s films. They are routinely fitted with ear like appendages so that overall they look like cute figures them selves. Children umbrellas normally have six panels · Innovative Umbrellas – coloration modify, inverted umbrellas and car close functions just take the concept of umbrellas out of the ordinary into one thing new and exciting · Mini Umbrellas – Fivefold umbrellas that are truly tiny when closed are a marvel in style and would simply fit into an evening bag. · Marriage ceremony Umbrellas – Weddings preparations contain the wedding ceremony umbrella just in scenario it rains. Traditionally produced of cotton and lace, these are best for photograph shoots way too. They are huge ample for a couple. Chinese handmade lace is an important component of these. · Transparent Umbrellas – are dome formed and quite popular, as they pay for a see of the rain while currently being secured from it! · Seashore Umbrellas – These large responsibility 8 feet large vented umbrellas are excellent for beach locations and picnics and occur in gaily stripes and multicolor rainbow patterns that can be spotted from afar. Patio Umbrellas are the perfect accent for your spacious patio, probably to offer shade to a few of deckchairs along with a swimming pool. These are offset hanging umbrellas, discreet and roomy.

https://bbbundles.com/different-varieties-of-umbrellas-for-advertising-functions/

Strategy in action A framework that builds from our current strategy, enabling us to move to the next stage in our transformation to be an agile capital allocator in insurance and associated asset risks. Using key trends and metrics to achieve results Our Reinsurance Business Unit uses key trends and metrics to contribute to the Group’s overall optimal capital allocation through both its Property & Casualty and Life & Health segments. For the past few years we have been increasing the contribution from our target high growth markets in Property & Casualty, while at the same time tapering off property business where prices have reached unsustainable levels. In Life & Health we’re keeping up the same momentum in target high growth markets and growing the relative share of health business. See also New frontiers Finding new clients and new risks One way to access new risks is by working with new clients — such as in partnership with governments and multilateral institutions. Since 2011 our Global Partnerships business has closed more than 200 transactions on behalf of these clients, often giving protection to risks that had either been under-insured or completely uninsured previously. In 2015 we helped protect people from drought in Africa, hurricane in the US and Caribbean, earthquake in Turkey and floods in the UK — to name only a few. See also Bridging the divide Bringing deep insight and industry understanding Smart analytics and cognitive computing are key tools for optimising the way we work and driving a competitive edge across our businesses. In Reinsurance we’re drawing from a wide range of data sources to model motor accident rates in China. Rapid sales analytics in Corporate Solutions help us close deals — and deliver solutions — faster. Smart analytics help us gather data on hot topics and industry trends. We look forward to breakthroughs in Life & Health underwriting through our partnership with IBM. See also New frontiers Setting ourselves apart by generating knowledge More than three hundred highly-educated employees work in basic research of insurance. Fifty are at work modelling natural catastrophes and thirty work in the unit that produces sigma, the industry-leading publication. At our Centre for Global Dialogue we host more than one-hundred events per year with clients and other experts on topics such as 3-D printing and cyber risk. This thought leadership sets Swiss Re apart from the market and creates a foundation to create and sustain deep, long-lasting client relationships. See also Insurance in your pocket

https://reports.swissre.com/2015/business-report/our-strategy/strategy-in-action/print.html

Lloyd’s, the world’s specialist insurance and reinsurance market, has joined the British Insurance Brokers’ Association (BIBA) as a partner. Lloyd’s has an unrivaled concentration of specialist underwriting expertise, over 50 leading insurance companies, over 380 registered brokers, and a global network of over 4,000 local cover holders operating in it daily. The business written at Lloyd’s is brought to specialist syndicates, which price and underwrite risk, via brokers and cover holders. What it Means to Be BIBA’s official partner BIBA CEO Steve White said the association will work with Lloyd’s on issues relevant to its market and wider cross-industry issues to benefit all members. “BIBA, many of our members, and Lloyd’s have always worked closely together, and we are now pleased to be welcoming Lloyd’s on board as an official BIBA partner,” he said. Lloyd’s commercial director Dawn Miller said the partnership will help BIBA members further develop technical knowledge, skills, and expertise “to make a real difference in their careers and help drive the innovation and insurance solutions that our market is so well-known for.” “Brokers are a vital distribution channel for Lloyd’s market, and we’re delighted to be a BIBA partner,” Miller added. “The new partnership will also provide opportunities that will enhance access to Lloyd’s for BIBA members. We have a great relationship with Steve White and his team, and we look forward to building closer links with the BIBA membership.” BIBA and Lloyd’s will host two one-day forums in Birmingham and Manchester to help brokers learn more about doing business with Lloyd’s market. The partnership follows BIBA’s decision to pick specialist insurer HSB for a new computer insurance scheme.

https://altaworld.tech/biba-welcomes-lloyds-as-a-partner/

European Coverage for Snap-on Diagnostic Software 18.2 With the European coverage in Snap-on Software Upgrade 18.2, technicians gain the power, knowledge and confidence they need to keep even the toughest European repair jobs in-house. The latest software offers significantly enhanced general repair, collision and safety systems coverage for Alfa Romeo, Audi, BMW, FIAT, Jaguar, Land Rover, Mercedes-Benz, Porsche®, Volkswagen and Volvo, with coverage for 1992 and later vehicles. “We know technicians are focused on providing the best customer care to build lasting relationships, which means consistently doing a job well done,” said Leian Wunderlich, software marketing and program manager for Snap-on Diagnostics. “Regular software upgrades, including the European coverage, can supply competitive advantage with exclusive coverage and capabilities rarely seen outside a factory tool. Snap-on helps technicians work smarter with software that increases their productivity and profits.” Software Upgrade 18.2 European coverage highlights include 2017 model year updates, safety and advanced drivers assistance systems, special functions for engine, body and instruments and so much more. Refer to the new Software Upgrade 18.2 Vehicle Coverage Guide to review coverage detail. Software Upgrade 18.2 Asian, domestic and European coverage includes more than 400,000 codes, data, tests and tips for technicians to handle systems such as diesel, TPMS, electric steering and hybrid power systems with the most comprehensive OEM-specific coverage for 100 vehicle systems and 49 manufacturers.

https://www.autoserviceworld.com/news_products/european-coverage-for-snap-on-diagnostic-software-18-2/

May 5th, 2020 Since its foundation in 2015, Getsafe has grown up a lot. Now the company has renewed its brand image and sharpened its vision. With a new logo, a new design and a new voice, Getsafe is positioning itself as a digital insurance provider for a new generation of insurance customers throughout Europe. "Our new brand stands out, catches the eye and perhaps even polarises. This is something completely new for the insurance world, which usually acts conservatively or plays on fear," explains Christian Wiens, CEO and founder of Getsafe. At the core of the new brand are freedom and self-determination, new perspectives on familiar problems and a positive attitude towards life for Getsafe's customers – in a world that is full of surprises right now. "Life happens. Misfortunes and accidents happen. Something breaks. Life will still be all about taking risks, but we help our customers to take the right ones and make better choices. We have a very clear vision: We empower people to live life to the fullest by covering them and their universe, no matter who and where they are. Embracing life with all its risks – that is the underlying concept of the new brand. Even the logo itself includes an accident, with a “dent” in the letter G. A specially created, irregular font is used to place particular emphasis. The imagery changes perspective and shows the events from the perspective of the claim. The colour palette also represents the before and after of the accident; each colour is available in a positive, light variant and an enriched contrasting colour. Getsafe wants to encourage people to get involved with insurance again. Insurance companies tend to have a bad reputation, often being perceived as as a necessary evil. The insurance companies themselves contribute to this bad image with lengthy, paper-based processes and incomprehensible products. But on the other hand, insurance companies offer a safety net that helps individuals balance opportunities and risks. The new brand reflects this concept of being forward-looking and positive, but it does not stop at words and images. It symbolises the complete reorientation of insurance. Since its foundation, the Heidelberg-based company has been combining technology and insurance. Smart applications and sensors, real-time data analysis and more precise risk profiles will all help protect people and the things close to their hearts from potential risks. "Insurance in this sense is not there to regulate claims, but to allow people to do things that they might not otherwise do. It's about weighing up risks and living in the knowledge that you’ve got it covered in case anything happens" says Christian Wiens. It was only at the beginning of this year that Getsafe applied for its own insurance licence and launched its digital contents insurance in the UK. The new brand embodies freedom – not only for customers. It is designed to grow and change, just as the company has since its foundation. In the long term, Getsafe wants to offer a holistic insurance solution in the lines of home, mobility, health and life and operate throughout Europe. "The past year was a year of growing up for Getsafe. We have become the best-selling German insurance brand among millennials and I am proud of the entire team," says CEO and founder Christian Wiens. Getsafe is a fully digital insurance company that helps people cover themselves and their universe simply from their smartphone. Using technology and machine learning, the company offers digital insurance products in all lines of business – property, health and life. The Getsafe app is available to customers 24/7 and 365 days a year, allowing them to file claims or change their coverage in real time.

https://partechpartners.com/news/the-new-getsafe-for-a-new-generation-of-insurance-customers?page=21

July 29, 2021, Celina, OH — Kathy Thompson, Associate Farm Underwriter at Celina Insurance Group, recently earned the Agribusiness and Farm Insurance Specialist (AFIS) designation. The International Risk Management Institute, Inc. (IRM) administers the AFIS specialized curriculum, which includes five insurance and risk management continuing education courses focused on the unique needs of agribusinesses and farms. “This achievement increases my competence and credibility as I partner with agents who rely on me daily,” Thompson said. “I have gained a broader understanding of the entire insurance system, which I can use to assist my agents.” “Kathy has been with Celina for more than 48 years, and she continues to learn and increase her knowledge every day,” said Tyler Stover, Director of Farm at Celina. “Her expertise helps identify key property our agents in various ways.” For more than 40 years, IRMI has helped save lives and livelihoods as the premier provider of risk management and insurance information, tools, education, and training. IRMI helps risk management, insurance, and legal professionals make better decisions for their companies and clients with unbiased expertise and balanced, comprehensive content. Celina Insurance Group is a family of four mutual property and casualty insurance companies. We provide insurance protection for autos, homes, businesses and farms for more than 500 independent agents in six states. Founded in 1914, with headquarters in Celina, Ohio, the enterprise is proud to serve and support our policyholders, communities, families and friends. Senior Communications Writer & Editor

https://www2.celinainsurance.com/celina-insurance-group-recognizes-kathy-thompson-for-insurance-achievement/

Experts at the Coronation Insurance Plcs webinar held Tuesday, 5th December 2023 have advised the insuring public, corporates, and individuals to deploy the concept of risk transfer mechanism which insurance offers to mitigate risks in challenging times. They noted that in the changing times when the cost of living has gone so high coupled with a high rate of inflation as it affects businesses globally, it is only wise that individuals, small business owners as well and corporations explore insurance dynamics to continue in their dealings. The experts also stressed that the present economic situation is a global disaster buoyed by evidence. Of upheavals across global flash zones, therefore; it is mandatory for everyone to be proactive to guide against disaster rather than being reactive when the unthinkable strikes. The firm in a webinar with the theme: Insurance: A Key Partner for Business Success in a Challenging Environment, gathered experts to educate the public on how insurance would keep them and their business afloat amid the global headwinds. Olamide Olajolo, Managing Director of Coronation Insurance Plc, said the event was very dear to the organization as it provides solutions to the public and business owners who are faced with myriad challenges, noting that amid the numerous headwinds confronting people and businesses, insurance remains a social safety net. He noted that the event was designed to expose the dynamics of insurance; easy means of accessing claims; the role of technology; on the boarding of policyholders amongst others. “We are really in challenging times. Changes in global dynamics affect businesses and individuals. Russian-Ukraine war and Hamas-Israeli war have changed the economic landscape of countries globally.,“ said Henry Mascot, Co=Founder/CEO, of Curacel and a keynote speaker. Mascot noted that the entire world is in challenging times, stressing that the high cost of living, inflation, and unsettled foreign exchange regimes have dropped the purchasing powers of Nigerians thus the need to embrace insurance as a tool to mitigate risks associated with businesses and personal lives. He advised that as a business you have to take stock and ask yourself what can you do, either to find a way to grow your business or cut costs insisting that adopting the insurance concept makes you not to go back where the economy is challenging. “In Nigeria where there are sudden physical changes in forex, inflation, and other macroeconomic indices, insurance is the only thing that helps you not to roll backward. For you to make sure that you are not rolling back ensure that the human resource which is key to business is intact and sustained. For a manufacturer, your equipment must be in shape devoid of damage that may scuttle productions at any given time. With the present global economic situation insurance is key to keep you rolling, ensuring that you don’t have to replace assets and ensure that your business is well protected against any form of peril that may cause a setback to your business. Also, technology has made easy, business transactions through various social platforms where you can reach out to an insurance company right from your comfort zone.” Mascot counseled. According to him, technology is transforming the insurance process, making it easy for people to access insurance products, report claims, and also access claims. Corroborating, Tochii Ginigeme, Founder of Mesh Venture, called on business owners to map out their risks, which would enable them to understand the insurance products needed to mitigate the risks. She urged insurance companies to embrace strategic partnerships, that would enable them to ride on the back of technology. Tochi further implored insurance companies to invest directly in start-up firms, which would help in providing insurance needs for the firms. Anthony Olasese, Head of the Corporate team, Coronation Insurance counseled insurance due to its risk transfer and pool mechanism, has the potential to help business owners from falling backward when risks occur. He calls on start-up firms to ensure they have a business interruption policy, adding that such a policy helps in providing claims to business owners whenever their businesses are destructed. The event was moderated by Wole Famurewa, CNBC Africa Anchor.

https://independent.ng/adopting-insurance-helps-you-stay-in-business-where-economy-is-challenging-coronation/

Sushma MacGeoch is Head of Insurance Disputes at Womble Bond Dickinson, leading the national team based in London, Bristol and Southampton. The team has operated in the London Insurance Market for over 45 years and specialises in professional indemnity, management liability, cyber, property, casualty and other insurance risks. Sushma has over 25 years’ experience as a professional indemnity and construction specialist. She is an expert in the defence of complex high value claims against solicitors, valuers, accountants, brokers and construction professionals, to include architects engineers and contractors. Sushma also regularly acts as coverage counsel. Her clients include major London Market Insurers and construction companies. Sushma was shortlisted for Women in Finance Insurance Leader of the Year Award 2019. The team is praised by Legal 500 as having ‘unrivalled market expertise…. A tough litigation practice that never loses sight of the client’s strategic and commercial aims’, ‘Highly regarded team. Excellent knowledge of the industry. Very approachable.’ Under Sushma's leadership, the Womble Bond Dickinson Insurance Disputes team has won a number of accolades to include Insurance Team of the Year 2017 Legal Business Awards; Shortlisted for Insurance Firm of the Year 2017 Post Claims Awards; Highly Commended in FT Innovative Lawyers Awards Europe 2017 for Private Edge Product developed with AIG; Winner of Commercial Insurance Law Firm of the Year UK – 2018 Lawyer Monthly Legal Awards; Legal 500 award for Insurance Firm (Specialism) of the Year for our expertise in professional negligence in 2016, 2017 and 2018. Examples of experience include advising: - solicitors in £130m claim arising from credit hire litigation handled on behalf of Insurers - accountants in £15m film finance litigation - a groundworks contractor in a multiparty £12m claim arising from the failure of the floor slab in a warehouse distribution centre resulting in the landmark decision in Co-Op Group Limited v Birse Developments Limited and others on limitation in claims against construction professionals - architects on a £40m claim arising from the failure of a commercial complex - as coverage counsel on a block notification by brokers with a potential claim value exceeding £80m. "...very talented lawyer who knows the market back to front. Intelligent, dynamic and with an excellent reputation." "...calm but tough, Sushma is a stand-out practitioner in the professional negligence market." "...has enormous courage and steely determination which is matched with poise and finesse." "...an exceptional professional; her knowledge, style, resilience and personality are what set her aside and ensure she is the leader of this impressive and growing team."

https://www.womblebonddickinson.com/uk/people/sushma-macgeoch?pg=2

London, U.K. – 17 October 2011 – Insurance Services Office (ISO) Limited, the U.K.'s leading provider of personal injury claims solutions, has been short-listed for two major industry awards. The ISO MoJ claims system for settling motor personal injury (PI) claims is a contender for the Business IT Innovation of the Year in the 2011 BCS & Computing UK IT Industry Awards. The system has also been short-listed for the Insurance Times Service Provider of the Year Award. The achievements are the latest in a series of endorsements for the ISO MoJ product. Earlier this year LV= won Technology Initiative of the Year at the Claims Innovation Awards for implementing ISO's MoJ system. ISO was short-listed for the Claims Technology Initiative of the Year Award at the Insurance Times Claims Excellence Awards, as well as the Technology Award at the British Insurance Awards. The ISO MoJ claims system was the first generally available application-to-application case management solution that communicates with the insurance industry claim portal and fully automates all three stages of the MoJ PI claims settlement process. It currently processes approximately one in four of all motor PI claims in the U.K. ISO's web-based case management application enables insurance companies to meet the new deadlines set by the MoJ, some as short as 15 days. Companies can see at a glance which cases are approaching deadlines for responses and payments throughout the process. And because it links directly to the industry's claim portal, ISO's case management application significantly streamlines and accelerates the claims process. Companies no longer have to access the portal directly to see if claims have been reported to them. The application electronically exchanges information with solicitors and automatically populates appropriate work queues, without the need for handlers to manually log on each time a response needs to be sent. Commenting on the news, Joe Pendle, director of Client Services, ISO, said, "To be short-listed for two prestigious awards in the space of one week is a testament to everyone involved in the development of the MoJ system at ISO. The MoJ system was developed at a time when significant changes in MoJ legislation meant that the insurance industry had to become much more proactive in meeting tight new timescales very quickly." "The nominations follow ISO’s PICAS system winning the Consumer IT Innovation of the Year Award at last year’s BCS UK IT Industry Awards," he added. "This year’s awards recognise the quality of ISO’s advanced technology that has enabled insurance companies to handle motor insurance PI claims in a way that would not have been possible had they continued to use the web portal manually." Since 1971, ISO has been a leading source of information about property/casualty insurance risk. For a broad spectrum of commercial and personal lines of insurance, the company provides statistical, actuarial, underwriting, and claims information; policy language; information about specific locations; fraud identification tools; and technical services. ISO serves insurers, reinsurers, agents and brokers, insurance regulators, risk managers, and other participants in the property/casualty insurance marketplace. ISO is a member of the Verisk Insurance Solutions group at Verisk Analytics (Nasdaq:VRSK). For more information, visit www.iso.com and www.verisk.com or contact: Tel: 01252 761055 Claire Grant, IBA – PR for ISO Tel: 01780 721433

https://www.targetwire.com/targetwire/2011/10/17/iso205/iso205_uk.html

Maritime Insurance Roots Since 1826. Boat Insurance you can trust. Groves, John and Westrup have specialised in Marine Insurance for over 195 years. In fact we can trace our roots back to 1826; our experience means when you insure your boat with us you’re in safe hands. Insure Direct For Great Service And Competitive Premiums. When you deal with GJW Direct you are dealing direct with your insurer. You have direct access to specialists and what’s more we offer one of the most comprehensive Boat Insurance policies available at a very competitive price, plus a fast and efficient service and greater peace of mind. Whatever Your Vessel type, We’ve Got It Covered. We insure all types of Boats - Yachts, Sailing Boats, Motor Cruisers, Inland Waterway Boats, Narrowboats, Barges, Houseboats, Speedboats, Rigid Inflatable Boats, Waterski Boats, Jet Skis and Personal Watercraft. Boat Insurance With a Firm Financial Anchor. You can trust our expertise and strength. GJW Direct is a member of one of the world’s largest insurance groups, assuring you of excellent financial security and leaving you free to enjoy your boating with nothing to worry about but the weather. From 1st January 2022, GJW Direct became a trading name of Munich Re Specialty Insurance (UK) Limited, a company within the Munich Re Group. GJW Direct are one of a number of brands under Munich Re Specialty Insurance (UK) Limited. This change is part of a group reorganisation and will have no effect on you as a policyholder. Your insurance will remain in force and your cover will remain with the same insurer. Groves, John & Westrup Limited has roots dating back over 195 years and our new structure will enable us to continue to enhance our products and service levels, whilst strengthening internal operations within the Munich Re Group. GJW Direct will continue to trade as usual with the high service levels you experience and expect.

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

In the dynamic landscape of life, unexpected twists and turns can often catch us off guard. It’s during these moments that the importance of protection Here's what our customers are saying about us WHY WORK WITH AMERICAN FINANCIAL SOLUTIONS LLC FOR YOU INSURANCE NEEDS ? Since 2000, We had the pleasure of helping Waterbury Connecticut area customers find the Best Low Cost Auto Insurance, Best Homeowners Insurance , Best Commercial Insurance, Affordable Motorcycle Insurance, Best Landlord Insurance and Best Life Insurance policies to fit their needs and lifestyle. Meet Our Office Family That Will Serve You Understand and Compare Auto Insurance Coverages 1. Understand the difference between liability and collision 2. Know what’s covered under your policy 3. Find out how much you should pay for insurance coverage 4. Review deductibles to find the best one for you 5. Understand when it is not necessary to get full coverage on your vehicle 6. Learn about uninsured motorist coverages and other options that may be available in your state Latest Blog Post: In a rapidly changing world, securing our financial well-being is akin to building a sturdy fortress around the various aspects of our lives. This blog, In a world full of uncertainties, having a safety net for life is like having a sturdy umbrella in a sudden downpour. Imagine life as Low Cost Insurance & ChoicesAmerican Financial Solutions LLC works with many major insurance carriers to get you the best price and the right insurance! Highly Rated Auto Insurance Agency near Waterbury, Ct American Financial Solutions LLC is located at 48 Meriden Rd Waterbury, Ct. From Brass Mill Center, Head southeast toward Silver St Expy, then slight right, then turn left, Then turn left onto Silver St Expy, continue onto Meriden Rd for .03 miles and will pass by Walgreens on the Left side of road and then American Financial Solutions will be on the right side of road at 48 Meriden Rd Waterbury, Ct. American Financial Solutions LLC offers low cost insurance near me and we can help you find dirt cheap car insurance online and still get great service. We Service all of Connecticut and Locally Waterbury. Wolcott, Naugatuck, Cheshire.

https://www.americanfinancialsolutions.net/

One of the pride of big cities is their stunning skyscrapers. Admiring their structure from afar is already a satisfaction. Looking at them closely can take your breath away. One of the contributors to their beauty is the glass incorporated into the whole architecture. Did you know that these glasses are called commercial glasses? They differ from the glasses used at home or are called residential glasses.They are different in many aspects, like size, durability, maintenance, etc. Read further to know more about commercial glass. Commercial Glass is bigger One of the most significant differences between commercial glass from others is its size. You can easily identify a commercial glass just by its size. Skyscrapers require giant glass panes. It is why commercial glass is the best option. Commercial Glass is much stronger Commercial buildings are heavier than standard houses. The glass intended for giant structures is called commercial glass, which can handle the structural weight of buildings. Additionally, they are prone to accidents and harsh weather. It is why manufacturers made commercial glass to be more durable and stronger. Commercial Glass requires a professional installation service Because of its size, commercial glass needs professional installation services for it. More people or a crew is needed in installing just one giant glass pane. Also, professional commercial glass repair knows how to fix and replace commercial glass properly. They are well-trained and have extensive experience in their field. They also provide dos and don’ts in maintaining commercial glass. The Best Commercial Glass Repair in Houston, Texas We take pride in our expertise in commercial glass handling. If you need commercial glass repair or replacement, call us today and get a free estimate!

https://texasglass.co/a-comprehensive-overview-of-commercial-glass/

Meet the Chair On July 30, 2023, Arnaud Trouvé, became chair of the University of Maryland (UMD) Department of Fire Protection Engineering (FPE). Trouvé joined the FPE faculty in 2001. Since then, his commitment to teaching and research excellence, energy for expanding the department, and focus on student success has played a major role in growing the strong, international reputation of the department. Dr. Trouvé is an internationally recognized expert in fire dynamics. Over the years, he has served on the editorial boards of the Proceedings of the Combustion Institute, Progress in Energy and Combustion Science, Combustion and Flame, and Fire Technology; he currently serves on the editorial boards of Combustion Theory and Modelling and the Fire Safety Journal. Trouvé has organized several regional, national, and international meetings at UMD, including the Fall Technical Meeting of the U.S. Eastern States Section of the Combustion Institute (ESSCI) in 2009, the 10th Symposium of the International Association for Fire Safety Science (IAFSS) in 2011, and the 10th U.S. National Combustion Meeting in 2017. He is also a past chair of the ESSCI and a past executive board member of the IAFSS. As further demonstration of his dedication to advancing the fire research community, Trouvé co-leads the IAFSS Working Group on Measurement and Computation of Fire Phenomena (the MaCFP Working Group) and chairs a network of leading higher education institutions and research laboratories in fire safety engineering called the International Fire Safety Consortium. Trouvé earned his Engineering Degree and M.S. from the École Centrale of Paris, France, in 1985 and his Ph.D. from the same institution in 1989. His research interests include fire modeling and Computational Fluid Dynamics, application of data assimilation to fire and combustion, and the physical modeling of combustion- and fire-related phenomena, including compartment fires, wildland fires and explosions. Trouvé is a fellow of the Combustion Institute and the recipient of the 2017 FORUM Sjölin Award, which recognizes "an outstanding contribution to the science of fire safety, or an advance in the state of the art in fire safety engineering."

https://fpe.umd.edu/about

Seeman Holtz Property & Casualty, Inc. Acquires First Missouri Agency For Continued Expansion In The Midwest BOCA RATON, FL — Seeman Holtz Property & Casualty, Inc., a distributor of insurance and financial services, is pleased to announce the acquisition of Tri-Star of Sikeston, Inc. DBA Self Insurance, headquartered in Sikeston, MO. Serving the insurance needs of Missouri for more than 90 years, Brian Self and team have been offering the right combination of programs and key personnel to bring customers the coverage they need at affordable prices. Their proven success is expected to strengthen Seeman Holtz Property & Casualty’s foothold across the nation and to the Midwest. Seeman Holtz Property & Casualty, Inc. continues to target high-quality independent agencies for geographic expansion and continued growth throughout the United States. With the addition of Self Insurance, Seeman Holtz Property & Casualty, Inc. will continue to reach new and current clients by helping them protect their most important valuables with not only the right insurance, but with the right service for each client. SHP&C offers: - Homeowner’s Policy - Automobile Insurance - Renter’s Policy - Private Client - Umbrella Coverage - Commercial and Employee Coverage - Personal Liability Coverage - Employee Benefits - Human Resources Marshal Seeman, President of Seeman Holtz Property and Casualty stated, “Eric and I are happy to be back in the state of Missouri where we went to college and can’t wait to have Brian on our side.” Brett Williams, Vice President added, “We are delighted to have Brian Self join the Seaman Holtz family of companies and look forward to have him and his team help us build our Missouri office.”

https://www.agencyequity.com/articles/seeman-holtz-property-casualty-acquires-first-missouri-agency

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