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Allianz has been growing in SME business and will push ahead further with smaller brokers this year alongside targeting growth in mid-market, according to UK CEO Colm Holmes. Brokers can’t afford to be mere bystanders in understanding the upgraded cyber rules of GDPR, and the benefits and process involved in being SOC 2 compliant. Simon Hughes, VP and general manager at Cowbell, explains. Allianz Holdings grew gross written premiums by 7.4% in 2023 as operating profits jumped 65% reversing the fall in 2022. Follow the latest insurance personnel moves. Tom Lawrie-Fussey, senior director of product management, LexisNexis Risk Solutions – Insurance, offers us a window into his life outside of insurance. C-Quence has unveiled ML6, enhancing its management liability offering with a legal expenses module and the addition of a range of client support services. Zurich UK has reported a 9% rise in property and casualty gross written premiums to £3.72bn for 2023. Aon’s $13.4bn (£10.6bn) purchase of NFP has passed a crucial test in the US, with the transaction still expected to close in the middle of this year. Moving into the UK with the purchase of Lexham is part of a plan to build Europe’s premier two-wheels specialist broker, rather than the start of a buying frenzy as a new consolidator, April Group leaders have confirmed. NFP’s Matt Pawley reflects on record levels of M&A, organic growth, brands and business as usual as the Aon deal looms. The foundations have been laid at SSP and with a programme of enhancements to roll out in 2024, the software house is confident of delivering for customers on the road to user growth next year, according to Martyn Mathews, managing director of SSP Broker. Kelly Ogley, CEO of Howden Consumer and Local Commercial, outlines the firm’s growth strategy and urges women to back themselves. Towards the end of 2023, Thomas Carroll became the latest broker to become employee-owned. Ida Axling looks at the benefits of the model for intermediaries and how the sale of Ten to Acrisure busted one myth that they cannot be sold. - Partners& adds two brokers in Midlands - FCA survey outlines broker Consumer Duty performance and room for improvement - Zurich UK grows in P&C but operating profit flat in 2023 - Has cyber reached a tipping point with new entrants and incumbent product pushes? - Brokers told to act now over BT Redcare closure - Ex-Aviva boss Andrew Moss joins Brown & Brown (Europe) board

https://www.insuranceage.co.uk/?page=44

Lee Insurance Center For many years, Joseph T. Lee of Lee Insurance Center, Inc. and Lee Insurance LLC, has been an Endorsed Local Provider (ELP) for Auto, Home, & Personal Liability for Dave Ramsey. The agency adhere's to Dave's teachings of his nationally acclaimed course, "Financial Peace University." The agency makes recommendations pertaining to Property & Casualty Insurance based on sound tested principles. Everyone who works in our agency must have the heart of a teacher. It is our mission to properly insure our clients with the type and amount of insurance that will help secure their assets and help them achieve their goals in life. Auto Insurance 101 Learn the basics about auto insurance in a flash. Hear from a one of the nation's top insurance advisors who will explain why auto insurance is so important, help demystify the auto insurance process and quickly provide you with a good understanding of important insurance terms and concepts. Insurance Products Offered We offer a complete line of quality coverages for your automobiles at prices you can afford. We offer homeowners insurance that gives you peace of mind, that if disaster strikes you will be protected. We offer a wide range of life insurance policies. Why? To help protect your family from financial loss should you die. What is the right coverage for you? The type of coverage you need depends on a number of factors.

https://www.leeinsurancellc.com/

Korean Re Signed a Coinsurance Agreement with Samsung Life Korean Re has entered into a coinsurance deal with Samsung Life with respect to the life insurer’s liabilities worth KRW 700 billion in October 2023. The agreement came after the two parties intensively discussed and analyzed the merits and effects of the deal for four months. Following a similar deal last year, we signed another large deal with the leading life insurer in Korea, demonstrating what we can do as a reinsurer that provides various solutions beyond traditional reinsurance arrangements in response to the needs of the cedant. The agreement went into force on November 1, 2023, and necessary reporting was made to the Financial Supervisory Service (FSS) at the end of the month. Coinsurance is a type of financial reinsurance used commonly in the United States and Europe, which involves the ceding of not only risk premiums but also savings and other premiums by the primary insurer to the reinsurer. As opposed to traditional reinsurance where insurance risks involving large man-made and natural catastrophe losses are reinsured, coinsurance allows primary insurers to cede all risks including interest rate risk as well as insurance risk, helping to reduce their capital requirements and improve their financial solvency. Korean Re has been setting the stage for developing the domestic coinsurance market since 2017 in light of supporting primary insurers with the adoption of the International Financial Reporting Standard 17 (IFRS 17) and the Korean Insurance Capital Standards (K-ICS). Based on this groundwork, we have successfully entered into coinsurance contracts with Samsung Life and Shinhan Life, offering new reinsurance solutions based on non-traditional methods. Our dedicated team of experts has strived to explore and expand coinsurance business opportunities in Korea in ways that provide domestic life insurers with more reinsurance solutions in addition to traditional reinsurance arrangements. The use of coinsurance in the Korean market can offer various potential advantages for the insurance industry, including effective capital optimization, enhanced financial flexibility, and greater policyholder protection. As the market is expected to see a rise in demand for coinsurance, Korean Re is poised to proactively address the evolving reinsurance needs of ceding insurers. Building on our latest success in coinsurance deals, we will continue to offer differentiated services and coinsurance arrangements to meet varying demands of the insurance industry.

http://eng.koreanre.co.kr/sub.asp?maincode=501&sub_sequence=518&sub_sub_sequence=573&exec=view&strBoardID=kui_573&intPage=1&intCategory=0&strSearchCategory=%7Cs_name%7Cs_subject%7C&strSearchWord=&intSeq=1789

Welcome to MoreThanBig.com. By accessing or using our website, you agree to comply with and be bound by the following disclaimer. Please read the disclaimer carefully before using our website. The information provided on MoreThanBig.com is for general informational purposes only. While we strive to ensure that the information on the website is accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is strictly at your own risk. Product images and descriptions on the website are for illustrative purposes only. Actual products may vary in appearance and specifications. Our website may contain links to external websites that are not provided or maintained by MoreThanBig.com. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. Limitation of Liability In no event will MoreThanBig.com be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Changes to the Disclaimer MoreThanBig.com reserves the right to update, amend, or change this disclaimer at any time without notice. Any changes to the disclaimer will be effective immediately upon posting. It is your responsibility to check the disclaimer periodically for changes. If you have any questions or concerns regarding this disclaimer, please contact us at: By using MoreThanBig.com, you agree to the terms outlined in this disclaimer. Thank you for visiting MoreThanBig.com. The MoreThanBig Team

https://morethanbig.com/disclaimer/

Global Building Standards Director Royal Institution of Chartered Surveyors, London The international community was shocked by the Grenfell Tower fire in London in June 2017. The fire exposed a Pandora's Box of issues, not just about ACM cladding and combustible insulation, but a whole host of other issues regarding fire safety that exist in many countries. As a result, a Coalition of over 52 countries have formed as the International Fire Safety Standards (IFSS) Coalition, to address many of these issues and to harmonize the many and varied fire codes that exist around the world. Supported and endorsed by the United Nations, and the World Bank, the Coalition was launched at the UN on 9th July 2018, and continues to grow. The aims of the IFSS Standard Setting Committee are to firstly map all the differing fire codes, produce a list of definitions which are in common use, and to develop the first high level international principles of fire safety which will be adopted by Coalition members and adopted as UN standards. Increasing urbanization, and the demand for sustainable cities, increases the pressure on governments and the private sector to develop quality buildings. The Grenfell Tower fire rocked the public confidence in fire safety, and as many new buildings are built, and existing buildings are refurbished, the public are demanding they are fire safe. Looking back over the history of fires over the past 50 years and how these have shaped policy changes, the presentation will also look forward to how fire safety will likely change as new research and product testing comes into play, particularly for tall buildings.

https://2019.ctbuh.org/presentations/?paper_id=155

Partner, Head of Cybersecurity & Space Law Department, Gianni & Origoni Stefano Mele is a Partner at Gianni & Origoni where he is the Head of the Cybersecurity Department and Co-Head of the Privacy Department. He is also the President of the Information and Communication Technology Authority (“Autorità ICT”) of the Republic of San Marino. He is member of the Regulatory and Governance Committee of the Board of Directors of NEOM. He is Adjunct Professor of “Cyberspace Law and Policies for National Security” at the Faculty of Security Law of the Foggia University, as well as Academic Fellow of the Chair of Cybersecurity at the Department of Legal Studies of Università Bocconi and Academic Fellow at the Chairs of Legal Informatics and Advanced Legal Informatics of the Faculty of Law of the University of Milan. He is a member of the Board of Directors and the President of the Cyber Security Commission of the Italian Atlantic Committee, as well as the President of the “Working Group on Cybersecurity” of the American Chamber of Commerce in Italy (AMCHAM) and member of the “Steering Committee Cyber Security” of Assolombarda. In 2020, he was invited to join the prestigious International Visitors Leadership Program (IVLP) of the U.S. Department of State. Finally, in 2014, the American magazine Forbes included him among the 20 best Cyber Policy Experts in the world to follow on Internet.

https://www.cybersecitalia.events/en/speaker/stefano-mele-2/

“Amy Stewart Law is my go-to insurance coverage firm for my brokerage clients every time. Not only does the firm do excellent work, I know that my clients will be well treated by ethical lawyers at appropriate rates. They are good lawyers and good people. I can feel confident knowing my clients are always in great hands.”Kara Altenbaumer-PriceMcGriff, Seibels & Williams, Inc. Senior Vice President, Financial Services Division “Amy Elizabeth Stewart has established herself as the authority in Texas on insurance issues. Her book—Texas Insurance Coverage Litigation, The Litigator’s Practice Guide—is the bible and go-to authority on insurance coverage. This book should be on the shelf of every lawyer who confronts insurance issues in their practice.”Brian P. LautenBrian Lauten, P.C. “The lawyers at Amy Stewart Law are my go-to for all insurance issues. Their deep experience and expertise in positions that insurers take and policy forms are invaluable. From an insurance program review, to obtaining appropriate coverage, to an insurance company’s denial, they always keep us covered.”General Counsel$1 Billion-Plus Annual Revenue Entity “Amy Stewart Law provides us with client-focused, pragmatic advice that shows their understanding of our business objectives and commitment to us as a valued partner. Their insurance knowledge is unparalleled and they help us achieve outstanding results in our insurance coverage and claims matters. I cannot recommend them highly enough!”Stephanie Zapata MooreVistra Energy Executive Vice President & General Counsel “Amy Stewart is one of the best outside counsel I've ever worked with and is the consummate expert in insurance law. And of particular importance to in-house lawyers, she is highly responsive and exceeds expectations regularly. She also has an uncanny ability to explain complex insurance law concepts in plain English to both lawyers and business people.”Camille PennimanFormer Raising Cane's Senior Vice President of Legal “Amy is one of the smartest, most persistent, and efficient lawyers I know. She has created a firm filled with people who share her values—client service unmatched by any peer, combined with smart, practical lawyering. It is no surprise Amy Stewart Law is celebrating its tenth anniversary!”Jennifer Evans MorrisAT&T Vice President & Associate General Counsel “Amy Stewart Law is a powerhouse firm whose name is synonymous with insurance coverage. Their team of skilled advocates and trusted advisors help me succeed when I’m seeking insurance coverage or negotiating coverage claims. I’m grateful to have them in my corner."Vice President & Head of LitigationFortune 500 Company “Amy Stewart Law helped us expertly manage through a complicated, multi-million dollar catastrophic claim following Hurricane Harvey. They were with us every step of the way, and we could not have achieved our ultimately successful result without them.”Telisa Webb SchelinFormer Chief Legal Officer, TIER REIT, Inc. “When our company faced major, multi-jurisdictional litigation, we engaged Amy Stewart Law to navigate the insurance issues and handle communications with our insurers’ lawyers. Amy and her team worked seamlessly with defense counsel to position us favorably in both the underlying litigation and with respect to coverage. Knowing they were focused on the insurance allowed us to focus on defending the litigation.”Executive Vice President & General CounselFortune 100 Company “Amy Stewart is my go-to counsel for insurance coverage advice and litigation. She and her team are talented advocates, and she is creative and flexible as to fee arrangements. I have greatly enjoyed working with Amy on several matters over the past ten years.”Executive Vice President, Chief Legal & Human Resources OfficerInternational Hospitality Company

https://www.amystewartlaw.com/?url=https://bacterialinfectionofthelungs.blogspot.com

Yashish Dahiya: Navigating Risk with PolicyBazaar. Yashish Dahiya, the founder and CEO of PolicyBazaar, embodies the spirit of entrepreneurship by adeptly managing risk and boldly steering a revolutionary platform in the fintech industry. His journey is a testament to his resilience, dedication, and commitment to transforming the way insurance is perceived and accessed in India. Despite being an entrepreneur, Yashish Dahiya often refers to himself as “hugely risk averse.” This unique perspective is reflected in his fascination with insurance, a domain inherently linked to risk and risk management. His approach to insurance is succinctly summed up in his blog, where he describes it as “a bet against the gods.” This viewpoint served as a catalyst for his entrepreneurial journey. Yashish’s professional trajectory was marked by his affiliation with renowned institutions such as the Indian Institute of Technology in Delhi and the Indian Institute of Management, Ahmedabad. He honed his skills at firms like Bain & Co and Ebookers, where he garnered valuable insights and experience before embarking on his entrepreneurial venture. In 2008, Yashish Dahiya co-founded PolicyBazaar, an online insurance aggregation platform that revolutionized the insurance landscape in India. His decision to enter the insurance sector was fueled by the recognition that the industry was ripe for disruption. The lack of awareness and accessibility to insurance products presented a substantial gap, and PolicyBazaar emerged as a solution to bridge this divide. Under Yashish’s leadership, PolicyBazaar swiftly rose to prominence as the market leader in online insurance aggregation in India. The platform democratized access to insurance products, offering customers a comprehensive range of options and enabling them to make informed decisions. Strategic funding rounds, with key investors including Tiger Global Management, Temasek, Ribbit, Steadview, and InfoEdge, highlighted the industry’s recognition of PolicyBazaar’s transformative impact. Yashish’s dedication to managing risk extends beyond his entrepreneurial endeavors. He is widely known in Indian startup circles as one of the most fit CEOs, regularly participating in the grueling Ironman Triathlon in Hawaii, a testament to his discipline and determination. In conclusion, Yashish Dahiya’s journey as the founder of PolicyBazaar showcases his ability to transform an industry through innovation and risk management. His vision to democratize insurance and enhance financial inclusivity has reshaped the insurance landscape in India. Yashish’s story serves as an inspiration to entrepreneurs seeking to navigate risk and disrupt established norms, fostering innovation in the fintech sector and beyond. STARTUP-BUZZ TEAMSubscribe with us to get your dose of interesting news, research & opinions in the startup segment. Fill the form below: [email-subscribers namefield=”YES” desc=”” group=”Public”]

https://startup-buzz.com/yashish-dahiya-navigating-risk-with-policybazaar/

Founded in 2015, Profirst is a wholesale insurance broker that specializes in finding solutions for enterprise risk. With expertise in the construction and business services sectors, they offer a wide range of personalized solutions to businesses, artisans, local merchants, and entrepreneurs. The company has 11 employees and a distribution network of 1,010 retail brokers and 330 agencies of the Vilavi Group. +Simple, the acquiring company, is a digital brokerage platform that focuses on delivering a seamless customer experience through innovative technology solutions. Their acquisition of Profirst aligns with their goal of expanding their commercial and technological offering by integrating risk management solutions specific to the construction sector. This acquisition enables the Vilavi Group to refocus their activities on their core business of distribution, while strengthening their overall commercial and technological capabilities. The acquisition of Profirst by +Simple represents a significant move in the insurance industry. With the integration of Profirst's risk management solutions into +Simple's digital brokerage platform, the company will be able to offer a more comprehensive service to its customers. This acquisition will allow +Simple to better serve its customers and to expand its offerings in the construction sector. The Vilavi Group's decision to sell Profirst reflects their strategic focus on their core business of distribution, while also enabling them to benefit from the financial gains of the sale. Overall, this acquisition represents a significant strategic move for both +Simple and the Vilavi Group, enabling both companies to better serve their customers and to expand their offerings in the insurance industry.

https://www.2cfinance.net/en/profirst-is-acquired-by-simple/

American Claims Management, Inc. (ACM) has assumed third party administration of all animal malpractice, general liability, auto and property claims for Veterinary Centers of America (VCA), a publicly traded provider of pet health care services. By partnering with VCA’s experienced Risk Department, ACM will help allow the local leadership teams to focus on pet health, not insurance claims, explained ACM President of Property and Casualty Dhara Patel. They chose ACM for its clear communication and collaboration practices, technology offerings and ultra-customization capabilities, allowing an exact fit to VCA’s needs. Headquartered in Los Angeles, California, VCA not only operates over 680 animal hospitals in the U.S. and Canada, but also a nationwide clinical laboratory system that provides diagnostic services to more than 14,000 independent pet hospitals. VCA stock is traded on NASDAQ under the symbol WOOF. Not only is VCA a leading provider of pet health care services, but they have also established the largest small animal private practice post-graduate education program for veterinarians in the world. Employing more than 3,000 veterinarians, VCA boasts the largest group of specialists of any veterinary care company. “The VCA team is made up of incredibly talented and energetic people, and we are excited to be able to service their network as they continue to grow through acquisitions at an incredible rate,” said Patel. Since 1988, American Claims Management has been a nationwide third party claims administrator specializing in both commercial and personal lines. By offering professional expertise in claims administration, ACM is committed to providing superior claims services and innovative solutions. For more information, please visit https://www.acmclaims.com/. ACM is a subsidiary of Arrowhead General Insurance Agency Inc.

https://acmclaims.com/american-claims-management-chosen-by-pet-health-provider-vca-to-manage-claims-experience/

“In our busy world, Yalu has created the only self-service credit life insurance policy in the market. Underwritten by a business division of Old Mutual, namely Alternative Risk Transfer (or OMART), Yalu makes it as effortless as possible to complete the credit life insurance policy online in under five minutes (with ambassadors on standby to provide immediate assistance). Replacing a customer’s current policy with a more affordable, simpler and rewarding policy, the umbrella policy from Yalu covers credit cards, as well as personal, revolving and student loans. This saves on unnecessary admin fees and debit order costs for multiple policies to better facilitate multiple providers at claims stage. ‘Credit life insurance provides the security that, should a policyholder be unable to repay their debt due to death, disability or retrenchment, the policy pays out either as a lumpsum (death and permanent disability) or up to 12-monthly installments (temporary disability and retrenchment). It’s an invaluable cover that protects both insured, and their loved ones, from the enormous strain of having to settle a debt when life circumstances may place them in a position where they simply are unable to. Credit life insurance is much like having an umbrella on a sunny day. You probably won’t need it, but in a sudden turn of events in a heavy thunderstorm, you’ll be very grateful you have it,’ explains Nkazi Sokhulu, Co-founder and CEO of Yalu.” Read more in the March/April issue of Fast Company South Africa.

https://www.fastcompany.co.za/business/for-shaking-up-the-insurance-game

New Jersey Headquarters: 198 West High Street Somerville, NJ 08876 Phone:908-947-0867 ext. 231 As Managing Partner of Axon Underwriting, Doug’s responsibilities include management of company operations and underwriting activities for business produced under its MGA agreements. Doug oversees the entity’s P&L and expansion of Axon’s product and service offerings. Prior to Axon, Doug spent 8 years as a Vice President of Augeo Marketing responsible for developing, structuring and enhancing Augeo’s insurance, loyalty and affinity based products and services including establishment Augeo Affinity Insurance Services, Inc. where he created programs and strategies for the distribution of traditional and new insurance products through large scale Fortune 100 client programs. Doug began his career at AIG where he held executive positions in the Environmental Division’s New York and San Francisco offices. During his 9 years at AIG, Doug held executive level underwriting authority for all environmental product lines and focused on AIG’s largest client segment. Doug gained significant experience structuring complex deals and developing multi-million dollar risk-transfer solutions through underwriting analysis, contract development and policy negotiation. Doug has worked closely with Fortune 100 corporations, national law firms, private equity firms, developers, REITs and divisions of state and federal government.

https://axonu.com/doug-gahagan/

(Photo credit: Balcer.) Equitable Life of Canada (Waterloo, Ontario) has selected StoneRiver’s LifeSuite web-based insurance underwriting and new business case management system, according to a statement from Sapiens, StoneRiver’s parent company. Equitable Life’s goal is to transform its underwriting process with enhanced automation, improving their ability to make fast, consistent, and high-quality decisions, according to the Sapiens announcement. The insurer’s selection decision was influenced by LifeSuite’s combination of an underwriters’ workbench and a highly flexible underwriting rules engine, according to the vendor, with StoneRiver’s automated underwriting expertise—especially for the Canadian insurance market—a contributing factor, according to Sapiens. “We need a system that is able to provide the automation and quality decision making required to streamline our underwriting process,” comments Karen Mason, senior VP, Individual business, Equitable Life. “Our underwriters are an invaluable asset and maximizing the value of their time and expertise is critical. Leveraging this technology to streamline the process will allow our underwriting team to focus their efforts and talent on more complex cases and decision making.” Equitable Life will enjoy the following through licensing of LifeSuite, according to Sapiens: - Straight-through processing for eligible cases; - Reduced policy acquisition costs; - Enhanced case management with real-time updates; - Automated requirements processing; - Elimination of unnecessary or duplicate evidence orders; - Rapid deployment of new products and system changes; and - Auditable results. “This is a great win for us and further solidifies our already strong position with automated underwriting,” comments David Pidgeon, head of life insurance, Sapiens StoneRiver North America. “More and more insurers are making underwriting transformation a priority—enabling better decisions, significant time and cost savings, and optimal application of the highly valued expertise of underwriters. The StoneRiver and Equitable Life joint implementation team is already hard at work to deliver the project with production use scheduled for next year.”

https://iireporter.com/equitable-life-selects-stoneriver-lifesuite-to-automate-underwriting/

In this case the mind is connected to the new program, which has become the leading one. The human brain is included in the new mode of operation, subject to the highest commands in search of the ultimate goal, which is merger with the Spirit, that is, it is the search of his spiritual path and purpose. From the book "Transient and Eternal" All the civilizations of the universe Svetokodirovanie Maleon before they were conceived of as the Creator for biorobots service to God and His Sons in the knowledge of life in the lower Great Planes of the Cosmos. In the process of various civilizations, it became clear that at these lower "orbits" of the space available the spiritual life of the cosmos. It was then decided find a form that could reflect both external and internal state, as well as energy form of the Creator and the Creator of Worlds: – that it reflect the laws of the trinity, and was manifested essence of all processes in the universe – to internal form (thin body) reflects the spiritual life – to the external form (physical body) is an expression of the foundations of life, frame, foundation, on which all things above – set them to was to reveal a multi-dimensional creature, ready to serve God and become his employee. This is a very bold plan was revealed to him who is the head of the Pyramid Hierarchy of Light. This is – His dream, which is carried out by children of all generations. David Bershad New York is a great source of information. . We make insurance attractive and interesting! It’s finally here! now presents itself in new and modern design and convinces by simple and clear operation. We have not changed the content, because James’ primary concern, so simply and independently to explain as possible, the issue of insurance remains our first priority. Not for nothing, James is the only vendor-independent insurance portal in the German-speaking world. Most insured people try to hide the issue of insurance, even though they spend a lot of money per month for this. James is from you makes a true insurance fan! James, as our customer, you receive free and objective information on all issues relating to the topic of insurance. James leaves not only any questions, but “serving” – as it should be for a good Butler – all target groups of the insurance industry tailored precisely to your needs. Families, singles, retired or self-employed whether industrial customers, Managing Director or non-profit organisations, whether insurance brokers, insurance agents, or insurers, James provides meaningful and possible insurance all a neutral overview of and heard all this. In addition to detailed information on all insurance policies, such as car insurance, accident insurance or health insurance etc., James also helps you answer the questions, what to do is a lower insurance, insurance or in the event of a claim. Also, you will be given answers with regard to the optimisation of your insurance. Our news keep informed about what is happening around the world of insurance. We inform you about current topics that move, such as the preparation of your holiday in terms of insurance – abroad – and the impact of world events on your insurance. James also is your companion in everyday life (whether car, motorcycle, moped or sailboat!), if you buy a property, a “vehicle” assure or want to emigrate abroad. Securing your Also by James thing hobbies: art lovers, hunters, water sports enthusiasts and animal lovers find a reliable partner in James. A glimpse into our lexicon can be also very helpful if you ask what a patent insurance, a rate or a group accident insurance might be good. And in the search to the right contact person (for example, an insurance broker, an expert or a lawyer) James is using his industry book always to the side. Should some issues remain open, you can contact us at info(at)james.ag. Their suggestions and criticism will find always a sympathetic ear here. Only in this way, we can help to solve problems.

http://www.ebookscafe.com/2016/08/

Insurtech is the New Software! Insurance sector is moving from processes to tech driven and software focused. Insurance sector is growing like never before and transforming its technologies to reach to customers, enhance processes, experience and optimizing risk assessment using data, processes, systems and learning. Every business, activities will need insurance in one or other forms. Every business company WILL be a insurtech company. Insurtech is the New Software now. Let that sink in. The ‘legacy software, manual driven processes’ way of building and running the insurance business is no longer viable for the present ‘on-demand, need based’ world. This entire ecosystem of insurance needs a new ‘OPERATING SYSTEM’ to run on, and that is INSURTECH. Building such a ‘system’ requires ground-up innovation and first principles thinking. We, at Artivatic.ai, embarked on this journey 3 years ago and today Artivatic is proud to say that we have been getting successful in doing so, of building a future-ready insurtech platforms that allows entire insurance ecosystem to run on its OPERATING SYSTEM. We recently raised our Pre-Series A funding too. The round was led by KFintech Technologies (Backed by General Atlantic). Artivatic is building Insurtech Operating System to transform the insurance sector where every process will become software driven. What is the future of Insurance? This isn’t an academic question. This keeps every single innovator at Artivatic.ai up and thinking at night. After a lot of debates, discussions, and mulling over, we’ve finally come down to one word – Proactivity. Let us explain why. Before that, a slight detour. A key change that has been brewing over a period of time is how the end customer has increasingly become the center of the insurance & healthcare. Further in a global and connected insurance sector, a small disruption at an arbitrary point has a butterfly effect, with far reaching impacts. We got glimpses of this a few months into the pandemic and the recent Suez Canal incident. Brands now need to make more complex decisions in less time to run the modern insurtech processes either it is underwriting, product design, claims, distribution, servicing, operations, fraud insights, distribution and more. Insurance companies, Re-insurance, Distributors, Brokers etc., over a period of time, have started to realize this and have begun to question their existing business, operations & distribution strategies. It is now increasingly becoming clear that the personalized pricing, faster decision making, intelligent risk insights, self & automated claims processing, virtual /digital operations & branch servicing, personalized marketing & sales, embedded insurance, API driven distribution, API driven internal processes & infra, virtual /video driven communication are and will be the big difference between competing insurance companies, distributors. The split-second decisions that supply chain and logistics personnel have to take every day are becoming more complex as they involve a lot of variable factors. It is impossible for a human to consider all scenarios and arrive at a decision. You need robust proactive systems in place to tackle this situation. Artivatic has launched many platforms in recent past to empower Insuretch to drive future of insurance: AUSIS: AI Smart Underwriting [Life, Health, SME, Alternative] MiO: AI Sales & Marketing Platform Onboarding: Onboard customers faster & seamless way ASPIRE SME : Personalized Employee Health & Business Insurance ASPIRE Customer: Self & Personalized Platform for policy manage, claims, family, health, mental health and communities DARVIN: AI Healthcare Platform ProdX Design: Product & Rules Design Platform ProdX Distribution: API Driven Distribution for B2B2C INFRD: AI Insurance Cloud APIs Platform (400+ APIs) ALFRED: AI Claims Platform [ Accidental, Death/Disability, Health] Looking forward to building the Operating System of Insurance! Interested to partner with Artivatic.ai, write to [email protected]

https://blog.artivatic.ai/p/insurtech-is-the-new-software

HotStar Premium Account FREE March 2024: Hotstar/Disney+ Premium Account is a subscription-based service that provides access to a wide range of streaming content, including TV shows, movies, sports, news, and original content. With a premium account, users can watch the latest movies, TV shows, and live sports events, including cricket, football, and hockey. Users also have access to Disney+ original series and movies, including the Marvel Cinematic Universe, Pixar movies, and Star Wars content. |30 Days for Free |Free Hotstar Premium Account & Passwords |Android, iOS, Windows & Mac The premium account provides high-quality video streaming with no ads and allows users to watch content on multiple devices simultaneously. The subscription fee for a premium account varies depending on the region, and users can avail of a free trial period before subscribing. Access FREE HotStar Premium Account Services - You can use Hotstar for Free - Hotstar Premium Account Credentials - Disney+ Hotstar Premium Account - Hotstar Premium Account Features & Cost - IPL 2023 Free - Watch IPL for Free Benefits of Hotstar Premium Account - watch ipl 2023 free - Watch the Latest US Shows for Free - Watch all Indian shows and episodes for free without any ads - Also, watch blockbuster movies (Hollywood, Bollywood) for free - special hotstar show - Watch sports matches like – Cricket, IPL, Football, Pro Kabaddi Premier League etc. How to Watch Hotstar Premium Account Shows for Free Free Trial – Hotstar provides a free trial period of 7 days for new users. You can create an account and avail of the free trial to watch premium shows and movies for free. Make sure to cancel your subscription before the trial period ends; otherwise, you will be charged for the premium account. Official Website – https://www.hotstar.com/ Jio and Airtel Plans – If you are a Jio or Airtel user, you can access Hotstar premium content for free as a part of their bundled plans. Check with your service provider to see if you are eligible for this offer. Flipkart SuperCoins – You can earn Flipkart SuperCoins by shopping on Flipkart and redeeming them for a Hotstar premium subscription. Keep an eye on Flipkart’s SuperCoin Zone for such offers. Google Pay Offers – Google Pay often runs offers that give users cashback or discounts on a Hotstar premium subscription. Keep an eye on the Google Pay app for such offers. Share Account – You can ask your friends or family members who have a Hotstar premium account to share their login credentials with you. However, this method is not recommended as it violates the terms of service of Hotstar and is not ethical.

https://modeducation.com/hotstar-premium-account-free/

Intellagents was recently mentioned in an InvestorIdeas.com article Vancouver, Kelowna, Delta, BC - September 15, 2022 (Investorideas.com Newswire) Investorideas.com, a leading investor news resource covering technology and AI stocks releases a special report covering the growth in AI technology utilization in the insurance industry, featuring FatBrain AI (LZG International Inc.) (OTC: LZGI). AI technology utilization in insurance has been spurred partly by the changing work landscape caused by COVID 19 and businesses now adopting some form of remote work options as well as the general adoption of technology in the workplace and at home and how big data collection can work with AI to allow for more effective and customized insurance solutions. A recent article from Mkinsey.com titled "Insurance 2030-The impact of AI on the future of insurance" discussed how AI technology is currently impacting the insurance landscape as "AI's underlying technologies are already being deployed in our businesses, homes, and vehicles, as well as on our person. The disruption from COVID-19 changed the timelines for the adoption of AI by significantly accelerating digitization for insurers. Virtually overnight, organizations had to adjust to accommodate remote workforces, expand their digital capabilities to support distribution, and upgrade their online channels. While most organizations likely didn't invest heavily in AI during the pandemic, the increased emphasis on digital technologies and a greater willingness to embrace change will put them in a better position to incorporate AI into their operations." "AI and its related technologies will have a seismic impact on all aspects of the insurance industry, from distribution to underwriting and pricing to claims. Advanced technologies and data are already affecting distribution and underwriting, with policies being priced, purchased, and bound in near real time. An in-depth examination at what insurance may look like in 2030 highlights dramatic changes across the insurance value chain," the article continued. FatBrain AI (LZG International Inc.) (OTC: LZGI), a pioneer in powerful and easy-to-use artificial intelligence (AI) solutions for start-up and mid-market businesses (SMEs), recently acquired Intellagents, an innovative and trusted insurtech provider. The FatBrain and Intellagents combination empowers businesses, brokers and insurers to leverage Peer Intelligence technologies to optimize transactions, score risk, enhance productivity and simplify actionable insights for everyone across the insurance supply chain creating never-seen-before opportunities for growth. "We are excited to welcome Intellagents into the FatBrain family," said Peter B. Ritz, co-founder and CEO of FatBrain. "Intellagents features powerful automation to advance dynamic peer intelligence networks, leveling the technology playing field currently only used by large industry leaders. We're setting a new standard for peer optimization in the insurance industry, and our innovations will unlock more value for many more businesses across the board." Intellagents unifies an insurance-specific integration and API management platform with connectors to more than 80 insurance capabilities that can be quickly orchestrated into unique solutions. It enables insurers and brokers to rapidly realize improvements and efficiencies across multiple domains, including: client engagement; channel optimization; risk selection, pricing, and fraud mitigation; product speed to market; and "Book of Business'' acquisitions. "We created a comprehensive ecosystem to harness the power of data and AI featuring a simple user experience - enabling our customers to rapidly innovate and grow," said Mark Stender, President and co-founder, Intellagents. "No single insurer, broker or software company can solve the challenges of the insurance industry alone. The industry-wide growth potential lies in a multi-faceted network of ecosystem members, all securely sharing dynamic learnings to continuously improve performance. The latest advances in AI accelerate the possibilities." Intellagents is SOX, GDPR and HIPPA compliant and capable of passing any compliance exam from insurers. "We've seen peer data turbo-charge the market in life insurance and annuities," said Shawn R. Carey, chief operating officer at FatBrain and co-founder, CTO-emeritus at iPipeline, a Roper Technologies, Inc. (NYSE: ROP) company. "Contributory peer insights powered by AI promise to accelerate growth beyond what we realized at iPipeline. With Intellagents ecosystem, team and technology we're starting on 3rd base." "Our mission at FatBrain is to equip entrepreneurs and mid-market businesses with simple to use tools that will help them reclaim time, save money and boost their bottom lines," said Rajarshi Das, chief scientific officer at FatBrain. "Intellagents and FatBrain are united in this mission and eager to support the global community of business, brokers and insurers." For the full article: https://www.investorideas.com/News/2022/technology/09150Artificial-Intelligence.asp

https://www.intellagents.com/press/artificial-intelligence-is-the-new-face-of-insurance

General Search & Recruitment (GSR) is a highly reputable firm specializing in insurance staffing. With over 43 years of industry experience, we have mastered the art of pinpointing the best and brightest professionals in the insurance sector. Our expertise lies in underwriting, claims, and sales recruitment. At GSR, we have established ourselves as experts in sourcing and screening candidates, constantly adapting to the industry's pulse. Our approach enables us to build valuable relationships with professionals and employers, refining and redefining the recruitment process. Our passion for excellence, extensive network, and commitment to staying ahead of industry trends set us apart as industry leaders. By collaborating closely with both candidates and employers, we strive to match exceptional talent with outstanding opportunities. Why Choose GSR - Over 43 years of insurance staffing expertise - In-depth understanding of the insurance sector - Specialization in underwriting, claims, and sales - Proven track record of successful placements - Continuously adapting to industry changes - Strong relationships with professionals and employers - Refined and redefined recruitment process Sourcing and Screening Our dedicated team uses advanced sourcing techniques to identify top talent within the insurance industry. We leverage our extensive network and cutting-edge tools to ensure we reach the most qualified candidates. Our thorough screening process allows us to assess candidates' skills, experience, and cultural fit. Stay up-to-date with the latest trends and observations in the insurance industry by visiting our December 2015 Insurance Industry Observations page. Our insights are based on years of experience and in-depth market knowledge. If you're ready to take the next step in your insurance career or need assistance in finding top talent for your organization, don't hesitate to get in touch with us. Visit our website or connect with our CEO, Mike McDonough, on LinkedIn. We look forward to helping you achieve your goals in the insurance industry. For more information about the insurance industry, we recommend visiting Insurance Journal.

https://gsr4you.com/insurance-recruiters/insurance-claims-recruiters-in-wa-2/

Hiscox Appoints Alannah Paul as Cyber and Technology Product Head in the US Atlanta, GA – February 1, 2022 – Hiscox, the international specialist insurer, today announced the appointment of Alannah Paul as Vice President, Cyber and Technology Product Head, in the US. In this role, Alannah will focus on continuously refining the Cyber and Technology products to better serve the needs of customers. She is based in Los Angeles, California, and will report to Doug Karpp, Senior Vice President, Head of Specialty Risks in the US. “Alannah is a fantastic asset to the Hiscox Cyber team,” said Karpp. “The cyber world develops at a particularly rapid pace, as criminals become increasingly sophisticated and innovative in their tactics. With her talent and vast industry knowledge, Alannah can keep us, our products and our customers one step ahead through a clear strategy and value-added services.” Alannah joined Hiscox USA in 2018 as Technology and Cyber Underwriter. In 2020, she was promoted to Technical Underwriting Lead for Technology and Cyber, where she joined the underwriting management team and was responsible for refreshing the Technology and Cyber products and underwriting process. Prior to joining Hiscox, Alannah spent several years in underwriting roles in London, where she served as a Professional Indemnity Underwriter at Brit Insurance, as well as a Financial Lines Underwriter at Allianz Global Corporate & Specialty. She earned her BSc (Hons) in Business Management at the University of Surrey. Hiscox USA provides a variety of specialty risk solutions, including a broad spectrum of errors & omissions, general liability, cyber and data security, media liability, management liability, crime, and terrorism insurance products. About The Hiscox Group Hiscox is a global specialist insurer, headquartered in Bermuda and listed on the London Stock Exchange (LSE:HSX). Our ambition is to be a respected insurer with a diverse portfolio by product and geography. We believe that building balance between catastrophe-exposed business and less volatile local specialty business gives us opportunities for profitable growth throughout the insurance cycle. The Hiscox Group employs over 3,000 people in 14 countries, and has customers worldwide. Through the retail businesses in the UK, Europe, Asia and the USA, we offer a range of specialist insurance for professionals and business customers as well as homeowners. Internationally traded, bigger ticket business and reinsurance is underwritten through Hiscox London Market and Hiscox Re & ILS. In the US, Hiscox small business Insurance is underwritten by Hiscox Insurance Company Inc., a Chicago-based insurance company. Our values define our business, with a focus on people, courage, ownership and integrity. We pride ourselves on being true to our word and our award-winning claims service is testament to that. For more information, visit www.hiscox.com. +1 646 560 9399

https://www.hiscox.com/articles/hiscox-appoints-alannah-paul-cyber-and-technology-product-head-us

By: Peter Olyott, CEO of Financial Services Provider, Indwe Risk Services (Indwe) In the dynamic landscape of modern business, innovation has emerged as the guiding force propelling companies toward uncharted horizons. A groundbreaking strategy that has captured attention is Embedded Insurance, seamlessly weaving insurance offerings into non-insurance products or services. This approach not only augments consumer value but also opens new revenue avenues for businesses. Embedded Insurance involves the integration of insurance offerings with non-insurance products or services, presenting consumers with added value and offering businesses a novel approach to revenue generation. An example of this is the extension of warranties by electronics companies when purchasing laptops. This integration eliminates the stigma often associated with conventional insurance sales tactics, making it more appealing to consumers. As we journey through an ever-evolving landscape of business, innovation has become the compass guiding companies to new possibilities. Exploring avenues such as Embedded Insurance presents a unique opportunity for businesses to diversify their revenue streams and enhance customer engagement. At the heart of this strategy lies the concept of association. When insurance seamlessly integrates with a product or service, consumers are more likely to engage with it. The scope of these solutions extends to various sectors, from comprehensive insurance packages offered by network providers to enticing perks such as a year’s free insurance with car purchases from motor dealers. This approach not only fosters customer relationships but also has the potential to rekindle interest in insurance engagements. Simplicity is the linchpin of success in the world of Embedded Insurance. Crafted as uncomplicated insurance products that require minimal risk advice or technical jargon to sell, this approach is crucial for businesses aiming to diversify their revenue streams without being bogged down by insurance intricacies. As businesses navigate the rapidly changing landscape, embracing strategies like Embedded Insurance becomes a pivotal driver of sustainable growth. Embedded Insurance is heralding a new era of business innovation, offering a fresh perspective on revenue diversification and consumer engagement. It is important to note that it is not only the major national brands that can pursue this – innovation is open to all.

https://magazine.cover.co.za/october-2023-edition/unlocking-new-avenues-for-businesses-the-power-of-embedded-insurance-solutions/

It was concluded that the insurance industry must work on minimizing cost, differentiation of product and be focused if they are to make a reasonable margin in their activities as an industry. Since 2005, mckinsey has conducted an ongoing study of insurance cost and productivity: Mckinsey estimates that 30 or fewer manual processes account for 40% of an insurer's cost of doing business and 80% of customer activity. Insurance value chain mckinsey. By 2025, as this revolution gains speed, mckinsey expects 12 distinctive and massive ecosystems to emerge around fundamental human and organizational needs (exhibit 1). Uk based startup founded in 2016 that is focused in the distribution stage of the traditional insurance industry value chain leveraging technology in order to offer a simple and transparent experience to customers,. According to a recent report by mckinsey, commercial lines insurtechs are focused more on digital distribution and core insurance capabilities like underwriting, pricing, product development, and claims. Asia pacific insurance leader , pwc china tel: Managing the value chain was discussed. Insurance cost and performance benchmarking, covering the complete value chain from product development to operations and support. The paper reviewed the importance of value chain in the insurance industry and how to use it effectively for competitive advantage. You can also explain the role of ai, iot, robotics, blockchain, and machine learning in the value chain, from sales to claims and payments. Mckinsey’s insurance 360° benchmarking tool provides a comprehensive quantitative overview of a participant’s unit costs relative to peers. Regardless of its specific niche, insurtech solutions allow for enhanced resolution of customer needs, which enriches the value chain. Leverage our insurance value chain ppt template to exhibit how technology has transformed the operations of the entire insurance industry. A comprehensive database capturing global figures on insurance premiums, assets,.

https://earth-base.org/insurance-value-chain-mckinsey

Emerging markets will remain the growth engine of the global economy and insurance industry over the next decade, reflecting a continuing shift of economic power from west to east, according to Swiss Re Institute’s latest sigma report. Discussing the macro-economic trends, the report noted that emerging market growth has moderated in recent years as economies mature and are more exposed to external cyclical factors. Nevertheless, projections still indicate that emerging economies together will account for 60 percent of global growth in 10 years’ time. “In this context, we expect quality rather than speed of growth to be a differentiating factor among the emerging markets themselves,” said the report, The sigma report noted that the seven largest emerging markets will contribute up to 42 percent of global growth, with China on its own contributing 27 percent. Economic growth drives growth in the insurance sector, with the emerging markets’ share of global premiums forecast to increase by about 50 percent over the next 10 years, said the sigma report titled “Emerging markets: the silver lining amid a challenging outlook.” “Our forecasts show that emerging Asia will lead the charge for premium growth, expanding by three times the world average over the next two years, and China becoming the biggest insurance market in 15 years,” sigma went on to say. Indeed, emerging market premiums are expected to outpace advanced market premium growth by four times during the next decade. The report said that emerging markets’ growth is being driven by a group of industry-specific trends, including: - Regulatory evolution. Growth-enabling regulation helps increase insurance penetration in emerging markets and create a social safety net, said sigma, pointing to governmental policies that promote insurance take-up, help build financial resilience of households and develop certain industries. For example, compulsory motor third-party liability (MTPL) insurance can protect drivers against liability claims for death or injury to individuals. In addition, international solvency standards are being adopted at different speeds by different emerging nations. They are designed to protect consumers, maintain financial stability and build trust in insurance companies. - Improvements in market access. Trade barriers reduce competition in re/insurance markets, leading to less customer choice, poorer service, higher premiums and less capacity over the long-term, said sigma. Such protectionism “reduces the growth of affordable risk cover, preventing insurance markets from realizing their full potential and making it difficult to close protection gaps.” Some markets have seen an increasing number of protectionist measures that have reduced market access in recent years, such as limits on foreign ownership of insurance companies. However, insurance markets are generally more open today than they were 10 years ago, said sigma, citing the example of emerging Asian governments that have undertaken additional deregulation and liberalization measures while seeking to improve consumer protection. - Insurtech revolution. The use of technology in insurance can make products more affordable, business more profitable and provide access to new risk pools, said the report, noting, however, that the adoption of tech is not uniform across emerging markets. While China has become a major enabler of insurtech solutions, adoption has been slower elsewhere, sigma said, citing regulatory barriers that are preventing insurers from using tech solutions to transform their business models. “Flexible regulation, like the stance taken in China, can give insurers the opportunity to increase their involvement in technology companies. It is a crucial step when trying to cater to the rising influence of millennials – a consumer base that is not only tech savvy, but is also willing to share data.” The report indicated that other emerging markets could soon follow China’s lead. - Growing use of mobile devices. Mobile devices are becoming the most important point of interaction for customers with their insurance providers. “The expansion of the internet and mobile phones is enabling insurers to distribute, underwrite and pay claims online, which in turn helps expand the reach of insurance and close existing protection gaps.” - Urbanization and investment in infrastructure. Growing urban populations require substantial infrastructure investment to enable sustainable development. Globally, there is a need to invest US$69.4 trillion in infrastructure between 2017 and 2035, said sigma, quoting an October 2017 report from McKinsey Global Institute, titled “Bridging infrastructure gaps has the world made progress?” These infrastructure investments will provide substantial insurance opportunities, generating cumulative construction insurance premium volumes from emerging markets of US$44 billion (in 2017 constant dollars) for the period 2017-2035, said the report. (The report also cited expanding opportunities in personal lines and property catastrophe re/insurance as a result of infrastructure investments.) - Wider financial inclusion. “Improving access to insurance is particularly valuable for people with low incomes, who often struggle to manage unforeseen financial shocks,” the report said, emphasizing they are particularly vulnerable to shocks such as illness, incapacity to work, and the effects of natural catastrophes and extreme climate events, such as droughts. “For insurers, opening up a new risk pool of several billion customers on the cusp of transformative growth is an attractive proposition to embrace inclusive insurance of emerging consumers. It also helps close the protection gap for a large segment of the world’s population,” noted sigma. Source: Swiss Re sigma *This story appeared previously in our sister publication Insurance Journal.

https://www.carriermanagement.com/news/2019/03/08/190595.htm

Insurer American International Group Inc (NYSE:AIG) reported a 5.6 percent jump in quarterly operating profit, driven by investments in one of China's biggest insurers and earnings from aircraft leasing company AerCap. AIG, the largest commercial insurer in the United States and Canada, also boosted its share buyback program by up to $5 billion and more than doubled its quarterly dividend to 28 cents per share. Operating income after tax increased to $1.9 billion, or $1.39 per diluted share, in the second quarter ended June from $1.8 billion, or $1.23 per diluted shared, a year earlier. The operating income was bumped up by a more than doubling in pretax earnings to $127 million from AerCap Holdings NV <AER.N>, the world's largest independent aircraft lessor. AIG, which is trying to exit AerCap, sold most of its 46 percent stake in early June. The insurer, which traces its roots to a two-room office in Shanghai in 1919, also gained $170 million from investments in the People's Insurance Group of China Ltd <1339.HK> and its subsidiary, PICC Property and Casualty Co Ltd <2328.HK>. However, AIG's underwriting operations continued to struggle with plummeting commercial property and casualty insurance rates. Pretax operating profit fell 4 percent to $1.19 billion at the commercial property and casualty insurance business, traditionally AIG's forte. The company also paid out $88 million more in catastrophe losses. Industry rates for commercial property and casualty insurance fell for the third straight time during the second quarter, according to a recent survey by the Council of Insurance Agents & Brokers. AIG's property and casualty unit's combined ratio, the percentage of premium revenue paid out in claims, inched up during the quarter to 98.8 percent from 96.5 percent. A ratio below 100 percent means an insurer earns more in premiums than it pays out in claims. Earnings from mortgage, institutional markets, life and personal insurance also declined during the quarter. Net income attributable to AIG fell 42 percent to $1.8 billion, or $1.32 per diluted share, compared with the year-ago quarter when it recorded a gain from the sale of International Lease Finance Corp. AIG's stock closed at $64.14 on the New York Stock Exchange on Monday. (Reporting by Richa Naidu in Bengaluru)

https://www.foxbusiness.com/markets/aig-profit-lifted-by-aercap-china-investment-raises-buyback

High River, AB (Aug. 1, 2018) – Western Financial Group Inc. (“Western”) continues to expand its operation through the acquisition of another Ontario-based brokerage. DMW Insurance Ltd., located in Toronto, has joined Western’s brokerage team, which serves customers across Canada. “As the largest insurance broker in western Canada, we recognize the importance of being able to bring our expertise and care for customers into Ontario, the largest insurance market in Canada,” said Kenny Nicholls, Western’s President and Chief Executive Officer (CEO). “In addition to our technological investments, our awareness of the connected customer and our strategic expansion of locations across Canada, we understand the importance of the customer and broker relationship,” he said. “This acquisition is another opportunity to promote the value of our insurance solutions to Canadians.” “We welcome DMW Insurance Ltd. founder David Waserman and his team of insurance experts to the Western family. This move is both a positive step forward and a continuation of our growth strategy,” Nicholls said. About DMW Insurance Ltd. Founded in 1993, DMW Insurance Ltd. is committed to providing optimal insurance quotes and securing the right insurance solutions for customers primarily across Toronto, Etobicoke, North York, Richmond Hill and Scarborough. As an insurance broker, DMW provides personal and business insurance services to clients and prides itself on its capacity to generate online leads in today’s digital landscape. About Western Financial Group Western is a diversified insurance services company that is focused on creating security and has provided over one million Canadians the right protection for more than 100 years. Headquartered in High River, Alberta, Western provides personal and business insurance services through 179 locations, its affiliates and a variety of connected channels, with an engaged team of approximately 1,800 people. Western is a subsidiary of Trimont Financial Ltd., a subsidiary of The Wawanesa Mutual Insurance Company. SOURCE: Western Financial Group Inc.

https://www.insurance-canada.ca/2018/08/02/western-financial-group-acquires-dmw/

Android Auto is on the market for newly purchased autos, and could also be offered as a standard function or non-obligatory characteristic. Software program updates to incorporate Android Auto may be out there for some fashions listed; please test along with your dealer for particulars. Save time and money on upkeep, fuel, and business expensing with Automated Lite. Metropolitan Property and Casualty Insurance coverage Firm, Financial system Premier Assurance Company, Financial system Preferred Insurance coverage Company, Economy Hearth & Casualty Firm, MetLife Auto & House Insurance coverage Agency, Inc., Metropolitan Casualty Insurance Firm, Metropolitan Direct Property and Casualty Insurance Firm, Metropolitan Basic Insurance Company, Metropolitan Group Property and Casualty Insurance coverage Company, and Metropolitan Lloyds Insurance Company of Texas, in addition to any of their future subsidiaries, affiliates, and parents. Virginia Choose Auto, A Used Automobile Vendor Serving Amherst, Charlottesville, Waynesboro, Lynchburg, Roanoke and Madison Heights, VA. MetLife Auto & Home protects your private info, including your e mail deal with, to maintain its confidentiality. Ally Bank, the company’s direct banking subsidiary, presents an array of banking services and products. Different investment services and products, reminiscent of brokerage and advisory accounts, are provided by means of J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC Annuities are made available by …

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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”. First-quarter natural catastrophe insured losses were estimated to be at least $22 billion, with overall economic losses pegged at $77 billion, according to a report Wednesday from Gallagher Re, the reinsurance business unit of Arthur J. Gallagher & Co. The economic losses figure represents the highest first-quarter total since 2011, according to a statement released with the report. These estimates are subject to change as standard loss development occurs and new data is obtained, the report said. Weather or climate-related catastrophes, excluding earthquake, wrought $17 billion in insured damages and $31 billion in economic losses. These losses were driven by the most expensive first quarter on record for U.S. severe convective storm activity, which caused $10 billion in insured losses and $13 billion in total economic losses. Flooding events in New Zealand also contributed. “The high-dollar loss costs observed in Q1 2023, including those from notable thunderstorm and flood-related events, were marked by notable gaps in insurance coverage across both developed and emerging economic territories,” Gallagher Re Chief Science Officer Steve Bowen said in the statement. The largest driver of economic losses was the magnitude-7.8 earthquake that struck Turkey and Syria on Feb. 6, causing direct physical damage costs likely to approach $45 billion according to an initial high-end financial assessment from the World Bank, the report said. Total insured losses are estimated to approach $5 billion,” the largest industry loss for the Turkey market on record, according to the statement. The report said that despite a requirement to purchase residential earthquake insurance, only 49% of homeowners in the 11 hardest-hit Turkish provinces had active policies from the Turkish Catastrophe Insurance Pool, Gallagher Re said. “The Turkey earthquake sequence was a difficult reminder of the significant vulnerabilities that exist to life and property from seismic events,” Mr. Bowen said. “As the private and public sectors work together to develop a more resilient and adaptive society to current and future climate change risk, it is imperative that all natural hazard types, and not just weather or climate perils, are considered in the planning discussions.” Last week Aon PLC reported that insured natural catastrophe losses had reached $15 billion for the first quarter.

https://www.businessinsurance.com/article/20230419/NEWS06/912356890/Q1-nat-cat-insured-losses-estimated-at-$22-billion-Gallagher-Re

Affiliated FM Insurance Company is a commercial property insurance provider for the middle market. It is part of the FM Global Group, one of the world’s largest insurance and financial services providers. Affiliated FM Insurance Company offers broad coverage, timely claims payments, and seamless global delivery to its clients. It also provides access to loss prevention resources and industry tools through its online portal. It is committed to the long-term success of its brokers and clients. Basic information about Affiliated FM Insurance Company The phone number is (401) 275-3000. The address for Affiliated FM Insurance Company is 270 Central Avenue, Johnston, RI 02919-4949, United States. The customer service contact is (800) 832-7839. You can also email them at [email protected]. The policy details vary depending on the type and scope of coverage you need. They offer a wide range of commercial property insurance products for various industries and risks. Fax number is (401) 275-3029. Operating hours: The operating hours for Affiliated FM Insurance Company are Monday to Friday, 8:30 AM to 5:00 PM EST. Claims information for Affiliated FM Insurance Company You can report a property loss to Affiliated FM Insurance Company by using their toll-free number, email, or online portal. You will need to provide your policy number, contact information, and a brief description of the loss. One will receive a confirmation and a claim number, and a claims handler will contact you to guide you through the process. You can check the status of your claim by contacting your claims handler or using the online portal Allianz Claims Tracker. You will need your policy number and claim number to access the portal. The required documents for claims depend on the type and nature of your loss. Some of the common documents that you may need to provide are: - A completed claim form or template - A copy of your policy or certificate of insurance - A copy of the invoice or proof of value - A copy of the survey report or damage assessment - A copy of the repair estimate or invoice - Any other relevant documents or evidence to support your claim Details about Affiliated FM Insurance Company It was established in 1949 as a subsidiary of Factory Mutual Insurance Company, which later became FM Global. It was created to provide commercial property insurance products for the middle market segment. The CEO is Thomas A. Lawson, who is also the president and CEO of FM Global. The leadership team consists of the following members: - Michael J. Lebovitz, senior vice president, of innovation - Kevin S. Ingram, senior vice president, chief financial officer and treasurer - Bret N. Ahnell, executive vice president, staff operations - Malcolm C. Roberts, executive vice president, operations - Brion P. Johnson, executive vice president, chief investment officer - Carmelina D. Borsellino, vice president, chief engineer - David M. Johnson, vice president, chief underwriting officer - James R. Galloway, executive vice president, assistant to the chairman The annual report is not publicly available on their website. However, you can find the annual report of FM Global, which includes the financial statements of Affiliated FM Insurance Company, on their website. These ratings reflect the company’s strong capitalization, operating performance, risk management, and market position. The Company has a market share of 0.23% in the US property and casualty insurance industry as of 2020. The company has over 1,800 employees and operates in more than 130 countries. Demystifying the intricate dance of risk and reward. 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 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.

https://insuranceblob.com/affiliated-fm-insurance-company-rhode-islandriphone-number-address-customer-service-contact-policy-details-email-address/

Mayer Brown helps our insurance industry clients achieve strategic corporate and M&A objectives by utilizing our extensive and sophisticated transactional experience in an integrated approach encompassing all relevant specialty areas. A representative list of transactions handled by Mayer Brown’s Global Insurance Industry Group is included below. - Nestlé S.A. in its sale of Gerber Life Insurance Company to Western & Southern Financial Group for $1.55 billion cash. - KD Group, a Slovenia-based property and casualty insurance company in the €245 million sale of a 100 percent stake in its insurance company Adriatic Slovenica to Italian insurance group Generali. - The Hartford on its agreement to acquire Aetna’s US group life and disability business for $1.45 billion. - Pacific Life on its acquisition of the term life new business platform from Genworth Financial. - A subsidiary of Berkshire Hathaway in its acquisition of Hartford Life International Limited, an Irish domiciled variable annuity writer, for approximately $285 million. Property Casualty and Runoff - The Hartford on its $2.1 billion acquisition of The Navigators Group. - Ascot Group Limited in its acquisition of Greyhawk Insurance Company, a Colorado-domiciled insurance company, and Greyhawk Specialty Insurance Company, a Rhode Island-domiciled insurance company. - Catalina Holdings (Bermuda) Ltd, a long-term consolidator in the non-life insurance/reinsurance run-off sector, on its acquisition of a $410 million portfolio of US property & casualty liabilities in run off from Arch Reinsurance Ltd. - GreyCastle Holdings in its $570 million acquisition, backed by a consortium of investors, of the run-off Life Reinsurance operations of XL Group. - CMIG International, a Singapore-based investment group, in its acquisition of the Latin American businesses of Old Mutual plc, an insurance group. Mortgage Insurance and Financial Guaranty - A US mortgage insurer in a PMIERS-compliant, collateralized reinsurance transaction with a panel of reinsurers. - Radian Guaranty in its $840 million commutation transaction with Freddie Mac. - A US mortgage insurer in a proposed “deep MI” transaction with Freddie Mac. - Counsel to the U.S. mortgage insurance trade association in negotiating a new form of master policy with Freddie Mac and Fannie Mae, and related state policy form approvals. - Assured Guaranty in its $810 million acquisition of Radian Asset Assurance Inc., a US-based provider of financial guaranty insurance and reinsurance, from Radian Group Inc. Intermediaries, MGAs and Other Service Providers - Nationwide on its acquisition of E-Risk Services, LLC, a privately-held, leading program manager that specializes in a distinguished portfolio of management lines products. - Premia Holdings Ltd., a newly formed P&C insurance and reinsurance group focused on providing runoff solutions, in its first acquisition of Alan Gray LLC. - Wells Fargo in the sale of Wells Fargo Insurance Services USA, which includes its Insurance Brokerage and Consulting, Employee Benefits and Property & Casualty national practices, along with Safehold Special Risk, Small Business Insurance, Student Insurance, Individual Health and Private Risk Management Insurance business lines, to USI Insurance Services LLC. - Everest Reinsurance Holdings, Inc., in the sale of Heartland Crop Insurance, Inc., a managing general agent in the crop insurance industry, to CGB Diversified Services, Inc. - Wells Fargo Insurance in the sale of 42 primarily smaller regional insurance brokerage and consulting locations to a subsidiary of USI, Inc. - Deutsche Bank, as financial adviser to Validus in its acquisition of publicly-traded Bermuda based Flagstone Re. - Deutsche Bank, the financial advisor to Allied World Assurance Company Holdings AG, in Allied’s $3.2 billion merger bid with Transatlantic Holdings, Inc. - Peel Hunt, as financial advisor to Markel Corporation in its acquisition of LSE listed Abbey Protection plc for £117m - Banc of America Securities, as financial advisor, to a leading international insurance organization in its $1.9 billion sale of its US personal auto insurance business, 21st Century Insurance Group, to Farmers Group, Inc., a subsidiary of Zurich Financial Services Group. - Seng Heng Bank Limited, the second largest locally incorporated bank in Macau, in bidding for a 100% shareholding of Banco Commercial de Macao, S.A. and two insurance companies of the same group in Macau.

https://www.mayerbrown.com/en/industries/insurance-mergers--acquisitions

Fullerinsuranceagency.com strives to ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence. Fullerinsuranceagency.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. If you are experiencing difficulty with any content on Fullerinsuranceagency.com or require assistance with any part of our site, please contact us during normal business hours and we will be happy to assist. Located in Carthage, NY and Canton, NY. Licensed to transact business in New York State. Our primary marketing territory is Jefferson County, Lewis County and St. Lawrence County including Watertown, NY, Fort Drum, NY, Lowville, NY, Gouverneur, NY, Potsdam, NY, Massena, NY, Ogdensburg, NY and the North Country. We also serve throughout Upstate New York including Syracuse, NY, Oswego, NY, Utica, NY, Rome, NY, Rochester, NY and Plattsburgh, NY. Fuller Insurance Agency is your local Independent Insurance Agency. We represent several different insurance companies and types of insurance. We can help you get the precise coverage you need at competitive prices, backed by our personal service and staff. Fuller Insurance Agency represents dozens of some of the most reputable insurance companies in the nation, both on a national and regional scale, which allows us to assist you in finding the combination of price, coverage, and service for all of your insurance needs.

https://www.fullerinsuranceagency.com/

June 18, 2021 Western National Insurance Group Announces Officer Promotions of Smith and Buness (Minneapolis, Minn.) Western National Mutual Insurance Company today announced that it has promoted Lori Smith to Senior Vice President (from Vice President) and David Buness to the position of Assistant Vice President (from Director), effective immediately. Lori Smith, now Senior Vice President – Human Resources, joined Western National in 2013 and has over 30 years of experience in a variety of human resources and leadership roles. She earned her Bachelor’s degree in Human Resources and Management from the University of Minnesota. David Buness, now Assistant Vice President – Claims, joined Umialik in 2004 and has held a variety of roles during his time with the company, including managing the property, casualty, and auto claims adjusters in the Northwestern Region. He was promoted to Director of Property Claims for the West and Northwest Regions in 2020. He has nearly 30 years of experience working with claims. Buness earned his Bachelor’s degree from Colorado State University. “Lori and David have proven themselves to be outstanding leaders in the service of our customers, business partners, and internal stakeholders,” said Rick Long, President and Chief Executive Officer. “We are pleased to recognize their contributions with these promotions. I look forward to continuing to utilize their talents, thoughtful approaches to leadership, and expertise to further grow our business and enhance our customer experience, both internally and externally.” Western National Insurance, headquartered in Edina, Minn., is a super-regional group of property-and-casualty insurance companies. The Group writes business through eight active insurance companies—Western National Mutual Insurance Company, Western National Assurance Company, Pioneer Specialty Insurance Company, Western Home Insurance Company, Arizona Auto Insurance Company, Umialik Insurance Company, American Freedom Insurance Company, and Nevada General Insurance Company — and is affiliated with Michigan Millers Mutual Insurance Company. Together, the affiliated companies write over $800 million in personal and commercial Direct Premium in 22 states across the Northern, Midwestern, and Western U.S. as well as in Alaska; and surety bonds in 41 states. All of the affiliated companies’ products are sold exclusively through professional Independent Insurance Agents. For further information, please contact: Steve Norman, CPCU, M.A., AIT Vice President – Communications & Customer Experience (952) 921-5680 or (800) 862-6070 Ext. 7680

https://legacypay.wnins.com/news/06182021.html

Accenture acquires Innotec Security, Spain-Based leading cybersecurity company. cyber resilience and cyber risk management, expanding its capabilities and footprint in Spain. Innotec Security was previously owned by parent company Entelgy Group. Financial terms were not disclosed. Innotec Security provides a range of cybersecurity services, including threat simulation, detection, response and incident management, cyber intelligence, infrastructure and application security, cyber risk assessment, and security consulting. The company’s clients include large organizations operating in Spain across sectors such as financial services, energy, logistics, healthcare, transportation and the public sector. Paolo Dal Cin, global lead of Accenture Security said, “Our clients count on us to help them better protect and defend their enterprises across their entire ecosystem. Innotec Security is an excellent and well-regarded company in Spain with a highly skilled cybersecurity team, which will significantly enhance our security footprint in the market, Importantly, this acquisition will also expand our regional capabilities and resources and help us address the growing demand we’re seeing for managed security services across Europe.” The acquisition further expands Accenture’s ability to provide clients with much-needed cybersecurity skills and expertise. According to Accenture’s Cyber-Resilient CEO report, 70% of CEOs in Spain from large organizations (revenues > US$1 billion) are concerned about their organizations’ ability to avert or minimize damage to the business from a cyberattack. Yet nearly two-thirds (63%) of CEOs said their organizations don’t incorporate cybersecurity into business strategies, services or products from the outset. Agustín Muñoz-Grandes said, “We’re delighted to welcome Innotec Security’s talented team to Accenture Security as we build on our established market leadership in cybersecurity services, who leads Accenture Security in Spain and Portugal. With the acquisition of Innotec Security, we are materially expanding our presence in Spain and adding to our robust MSS capabilities and the in-demand cybersecurity skills we offer clients both locally and globally.” Félix Muñoz, CEO of Innotec Security said: “Our strategy has always been to deliver exceptional cybersecurity services to our clients and to be one of the best companies to work for. Accenture’s industry-focused approach to cyber defense and its company culture is a great fit for us. Becoming part of Accenture is an excellent opportunity for us to deliver even more value to our growing client base and we’re excited for the next steps on our journey together.” Accenture Security is a leading provider of end-to-end cybersecurity services, including strategy, protection, resilience and industry-specific cyber services. We bring security innovation, coupled with global scale and a worldwide delivery capability through our network of Cyber Fusion Centers.

https://startuprise.co.uk/accenture-acquires-innotec-security/

John Hancock is partnering with Vitality to integrate life insurance with a comprehensive healthy living program for U.S. consumers. New products offer potential for savings on annual premiums, as well as discounts and rewards from leading retailers to encourage policyholders to take small steps to improve their health. New policyholders will receive a free Fitbit® to help track their progress Craig Bromley, President, John Hancock Financial said, “We are reinventing the consumer life insurance experience and changing the way people think about this critical component of their overall financial health. We believe this offering will make life insurance relevant for new generations of consumers and reinvigorate the entire category.” After identifying a need for life insurance and completing the application process, new policyholders take an online Vitality Health Review to determine their Vitality Age, an indicator of overall health that may be higher or lower than their actual age, which can improve over time as they work toward living a healthier life. Vitality has concluded that, on average, most Americans are five years older than their actual age, based on various health and wellness factors. Policyholders get personalized health goals. They can easily log their activities using online and automated tools, which are integrated with personal health technology. Policyholders immediately begin accumulating “Vitality Points” after their policy is issued and when they complete health-related activities like exercising, getting an annual health screening or even a flu shot. The number of Vitality Points a policyholder earns over the course of a year determines their program status level. The healthier their lifestyle, the more points they can accumulate to earn valuable travel, shopping and entertainment-related rewards and discounts from leading retailers. Additionally, depending on the type of product they purchase, a policyholder could save as much as 15% off their annual premium. As part of the new offering, John Hancock unveiled two new products: Protection UL with Vitality, a universal life insurance product, and John Hancock Term with Vitality, a term life insurance product. They are the first life insurance products in the U.S. linked with Vitality healthy living programs and are built on Vitality’s innovative shared-value model. For more information, visit JHRewardsLife.com. The Vitality Group is a member of Discovery Ltd., a global financial service organization offering an incentive-based wellness program to employers as part of their benefits program. With a foundation based on actuarial science and behavioral economic theory, Vitality encourages changes in lifestyle that reduce health care costs, both in the short run and long term, by rewarding members for addressing their specific health issues. Vitality wellness programs serve companies in a wide range of sizes and industries, improving individuals’ health and wellbeing as well as employers’ bottom lines. Vitality brings a global perspective through successful partnerships with large employers and best-in- class insurers around the world, in countries including the United States, United Kingdom, South Africa, China and more recently Singapore and Australia. Additional information can be found at www.thevitalitygroup.com. The Vitality Institute, “Vitality Age Analysis of Adult National Health and Nutrition Examination Survey Respondents across Three Survey Time Periods,” May 17, 2013 Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. Insurance policies and/or associated riders and features may not be available in all states. The John Hancock Vitality Program is available with select John Hancock policies. Please consult your financial representative as to product availability. Premium Savings will apply based on the Status attained by the life insured. Please consult your financial representative as to how premium savings may affect the policy you purchase. John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy. Rewards may vary based on the type of insurance policy purchased for the insured (Vitality Program Member), the ownership and inforce status of the insurance policy, and the state where the insurance policy was issued. Logo – http://photos.prnewswire.com/prnh/20150407/197060LOGO To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/john-hancock-introduces-a-whole-new-approach-to-life-insurance-in-the-us-that-rewards-customers-for-healthy-living-300062461.html ©2012 PR Newswire. All Rights Reserved. Powered by WorldNow All content © Copyright 2000 – 2015 WorldNow and Midwest Television, Inc. All Rights Reserved.

https://www.calbrokermag.com/uncategorized/new-life-insurance-promotes-healthy-living/

InsuredMine, a Dallas-based InsurTech startup focused on providing consumer-focused tools for insurance management, has announced the release of the company’s insurance management app for both iOS and Android users. Founded in 2017, InsuredMine is a member of the Global Insurance Accelerator’s (GIA, Des Moines) 2018 cohort. InsuredMine provides what it calls a “digital closet” for individual consumers to manage their insurance information. The InsuredMine app consolidates consumer access to all insurance information, and allows users to set reminders for payment due dates to help eliminate late payments and unexpected fees. The app is also designed to simplify the set-up process for users, and provides consumers the ability to connect existing insurance accounts by simply uploading a PDF, or an image of a policy declaration page which can be analyzed and interpreted by InsuredMine’s artificial intelligence (AI) engine. “As consumers face more choice and complexity in terms of choosing insurance companies and coverages, InsuredMine is excited to be out there with an app that helps any consumer manage multiple policies across different insurance companies on a single dashboard,” comments Raution Jaiswal, CEO and co-founder, InsuredMine. “As part of the GIA’s 2018 cohort, InsuredMine hopes to expand our network of partner insurance companies and gain exposure to a much larger industry audience.” With a greater ability to see insurance policies and coverages in one place, consumers get better insight into premium variances and potential coverage gaps. The InsuredMine app is available immediately as a feature of the flagship InsuredMine online tool currently being used by early adopters. Working with Insurance Carriers Based on the benefits of InsuredMine offers to consumers, the company will work in partnership with insurance carriers to match consumers with the right policies, according to Jaiswal. “We will interface with users through their policies by co-developing APIs for greater user data compatibility,” he explains. “We will generate higher product density and more opportunities for cross-promotion. With the carriers’ help we will provide better customer insight for higher qualified leads and more engagement.”

https://iireporter.com/insuredmine-launches-consumer-insurance-management-app/

Airmic: Traditional insurance model not suitable for emerging risks From: Captive Insurance Times, June 13, 2017 Insurers and risk managers need to work together to develop a new business model based on partnership if they are to “retain value and relevance to businesses”, attendees heard at this year’s Airmic conference. The three-part analysis, conducted by Airmic with AXA Corporate Solutions, Chubb and JLT Specialty, is based on a survey of risk and insurance managers, found that disruptive innovation driven by technological advances, globalisation and evolving corporate demands is threatening conventional insurance models that are geared towards protecting physical assets. The speakers revealed that the growth of intangible assets is outpacing that of tangible assets, with 84 percent of the S&P’s 500 market value now held in intangible assets, up from 17 percent 40 years ago. The analysis found that the vast majority plan to manage intangible risks in-house, either by reducing or retaining them. It also showed that risk and insurance managers are struggling to articulate the value of insurance to executive management and across the business. In the first part of the analysis, AXA Corporate Solutions argued that the insurance industry must move away from a transaction-driven model towards a collaborative model where insurers and brokers work with risk managers to improve the understanding, prevention and mitigation of emerging risks. It suggested that this should include providing more value-added and advisory services, such as legal and media support, where traditional insurance is limited or unavailable. In the second report of the series, on digital transformation, Chubb explained to attendees that digital advancement and emerging technologies are key areas where insurers and risk managers can work together. The survey found that cyber-related risks are top-five priorities for Airmic members, while disruption from emerging technologies is seen to be the fastest growing risk. It revealed “clear demand” for greater support, both in terms of insurance and value-add services, especially for data recovery and business interruption. Finally, the third report discussed the value of risk and insurance management. It explained that if insurance is to retain its relevance, the market must work together to ensure business executives understand its strategic value. At the conference, JLT Specialty revealed that insurance is too often viewed as a “price-driven transaction”, with 39 percent of Airmic members struggling to articulate the value of insurance to their business. According to JLT Specialty, “the market must ensure that insurance is better aligned to corporate goals—and that its value is clearly translated into business terms”. Julia Graham, Airmic’s deputy CEO, who led the research, suggested the findings have deep implications for the risk and insurance communities. Graham commented: “The insurance industry recognises that traditional insurance is losing relevance in face of today’s more complex and harder-to-define risks. And yet our members want support in understanding and dealing with these modern risks—both in terms of innovative products, but also in terms of broader support. The insurance industry must provide more than just risk transfer; this requires a shift in thinking but everyone will benefit.”

https://www.cicaworld.com/airmic-traditional-insurance-model-not-suitable-for-emerging-risks/

International Re offers mid-sized captives access to A+ capacity International Re (I–RE), a specialist captive insurance and reinsurance MGA, has launched a new insurance and reinsurance solution for mid-sized captives, which will offer mid-sized captives access to A+ rated capacity. The MGA, co-founded by Rupert Taylor and Andy Jeckells at the start of 2019, has already completed a number of transactions with US captives. Offering them access to A+ rated capacity allows them to participate in the risk and reward of their commercial insurance, a route that up to now has only been available for large captives. I–RE also claims that its solution will also help captive managers and brokers able to grow their client base significantly. It says the potential reward of retaining up to 50 percent of premium spend will encourage more mid-sized businesses to set up new captive vehicles. I–RE is a Lloyd’s coverholder, and underwrites 18 lines of business for insureds and their captives. Initially, its focus is on US business, but it also eyes opportunities to expand both geographically and in product suite. Jeckells, CEO and chief commercial officer of I–RE, said: “International Re is an ambitious MGA, bringing revolutionary, market changing insurance and reinsurance to smaller captives, currently underserved by the market. This growth opportunity is exciting interest from captive managers and brokers able to see opportunities to grow their client base exponentially by offering our innovative solution. As a result, our pipeline is very strong and I–RE will see significant growth in the first year and ongoing in the future.” Taylor, CEO & CUO of I–RE, added: “It’s great to be able to offer mid-sized businesses the opportunity to participate in their exposures and actively underwrite commercial risks in this way. Distribution comes from brokers and agents, financial advisors and CPA’s as well as existing captive managers. “It’s anticipated that this product will radically increase the number of captive formations and provide a significant change in the way that strong performing businesses will buy their insurance. We’ve worked hard with captive managers, brokers and the market to deliver an integrated solution that offers numerous benefits for captives ranging from scope of cover, claims management, capital efficiency and delivers the financial benefits of sharing in potential profits.”

https://www.captiveinternational.com/international-re-offers-mid-sized-captives-access-to-a-capacity-2918

Nexar partnered with Address Whale Insurance Alternatives, Inc., provider of professional trucking insurance and rapid-escalating insurtech. Offering Nexar’s AI dual-dealing with sprint cams to its unbiased and fleet truck drivers, Cover Whale is boosting its innovative driver security method to even further enhance basic safety and reduce insurance policy premiums. HOVER and Verisk partnered to provide an stop-to-stop, automated virtual claims resolution. By means of this collaboration, coverage industry experts can leverage state-of-the-art engineering and automation to aid lessen the amount of manual inputs and processes, ensuing in improved estimating accuracy and minimized cycle periods from the 1st recognize of loss. The alternative can also be confidently implemented across altering workflows, onsite or digital, and adopted conveniently by new adjusters. Crum & Forster selected Origami Threat’s multi-tenant, software-as-a-support promises alternative for claims adjudication, reporting and the shipping and delivery of increased consumer solutions. Origami’s alternative brings state-of-the-art automation, intuitive tools and functionality that will assistance streamline Crum & Forster’s claims procedure while introducing strong abilities and assets for its adjusters, policyholder clientele and network of independent brokers, brokers and wholesalers. LegalZoom.com, Inc. and Next Insurance policies partnered to much better assistance tiny company proprietors build and shield their company on the net. NEXT’s marketplace-main, completely embedded insurance policy answer, Up coming Join, enables small business enterprise proprietors to rapidly and seamlessly get a quote for modest company insurance plan and order a approach that will work for them, all without having at any time leaving the LegalZoom system. Broker Buddha partnered with Herald, which builds digital infrastructure for commercial insurance plan. The partnership will permit the nation’s insurance policy agencies to even further simplify their client’s encounter whilst improving the way they do business with their primary carrier associates. By combining Broker Buddha’s client-welcoming online Wise Kinds with Herald’s unified provider connectivity application programming interface (API), this partnership delivers an simple-to-use system for companies and their agents to swiftly get offers and bind insurance policies for tiny and center-market firms. Orion180 partnered with Nearmap to benefit from its aerial imagery to make improvements to their risk collection and streamline the underwriting procedure. Matching Orion180′s higher level of purchaser support, their new spouse needed to provide relieve of carrying out business enterprise and top-quality support. Immediately after a variety process, they selected Nearmap as their new imagery knowledge intelligence supplier. The integration involving the two companions will be delivered by a personalized API. Verisk partnered with Tractable, an industry-major, utilized AI enterprise. By integrating with Tractable, which makes use of computer system eyesight technological know-how to visually evaluate injury to houses, Verisk will be in a position to considerably assist speed up insurance policies promises processing and house repairs. Hyundai Motor The usa and Verisk partnered to assess telematics facts from consenting entrepreneurs of Hyundai and Genesis vehicles. Verisk will also carry on to be the exclusive service provider of that information to vehicle insurers. With Verisk’s robust insurance plan analytics and working experience as a engineering service provider, insurers will be equipped to obtain the details from the Verisk Facts Trade and value the guidelines of applicable Hyundai and Genesis house owners dependent on the relative basic safety of their driving. Connected: Who’s working with what in P&C insurance policy: February 6, 2023

https://ssq6085.com/whos-using-what-in-pc-insurance-february-13-2023.html

You are about to leave the website of Risk Management Advisors and view the content of an external website. You are leaving riskmgmtadvisors.com By accessing this link, you will be leaving Risk Management Advisors' website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Management Advisors' website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Management Advisors. Max Jong is the Captive Practice Leader and Managing Director at Risk Management Advisors, an alternative risk and captive management firm. Max began his career at Northwestern Mutual in 1994 after graduating from UCLA. Over 12 years, he built a successful financial services practice while heading up an office overseeing 50 professionals in Los Angeles and Irvine, California. The office was perennially one of the top producing organizations in the Northwestern Mutual system. Max joined his partners at Risk Management Advisors in 2007 as he began to work with more sophisticated mid-market business owners. RMA specializes in the design, formation and management of captive insurance companies. There’s also an emphasis on self-funded group benefits as well as other creative alternative risk management strategies. The firm assists businessowners in better managing their risks without jeopardizing their balance sheet. In 2019, he headed up a merger with Risk Strategies, a Top 10 private national specialty insurance brokerage and consulting firm. Since then, he was appointed as the Captive Practice Leader to oversee the growth and development of the organization. For 5 years, Max served as an Independent Director for Fiat Lux Risk and Insurance Company, one of the largest and most sophisticated captive insurance companies. Fiat Lux was established by The University of California Regents to better manage the broad risks of the University of California system. Max has also been a life-long supporter of Big Brothers Big Sisters of Greater Los Angeles. He initially volunteered to be a mentor in 1995 and is currently mentoring his second "Little". Max was asked to join the Board of Directors in 2000 and eventually serving as their Board Chair. After 20+ years as an active board member, he continues to support the organization by serving as a Trustee. He is married to Alice and they’re raising two young children, Hunter and Hayden. Max and Alice are happily married despite her irreparable mistake of having gone to USC. He loves to travel, loves to golf and a hopeful Lakers fan. ACI, CFP, CLU, ChFC Managing Director- Oxford Risk Management Group Jarid Beck is a Managing Director at Risk Management Advisors. He is a career specialist in the design, implementation, and management of alternative risk management (ARM) strategies including self-insured plans and captive insurance companies. Jarid has a diverse insurance background which allows him to deliver technical insurance solutions to clients in a wide variety of industries including construction, real estate, staffing, manufacturing, trucking, and finance. Jarid was awarded the Associate of Captive Insurance (ACI) designation from the International Center for Captive Insurance Education (ICCIE) along with the Construction Risk Insurance Specialist (CRIS) designation from the International Risk Management Institute (IRMI). He is a noted authority on the use of self-insurance and captives as a tool for companies to reduce the cost of providing group medical benefits. Jarid graduated from the University of California, Riverside with a degree in Business Administration.

https://www.riskmgmtadvisors.com/self-funded-employee-benefits/key-takeaways

Based in Cologne, she will be responsible for underwriting performance across LSM Liberty Mutual Insurance’s Global Risk Solutions division (GRS) has announced the appointment of Rachel Conran as chief underwriting officer, Liberty Specialty Markets (LSM), effective 1 January 2023. LSM is the international commercial, specialty and reinsurance business of Liberty Mutual. Conran will report to Matthew Moore, president, GRS Office of Underwriting, and Phil Hobbs, president and managing director of LSM. She will be based in Cologne, Germany and will be responsible for underwriting performance across LSM. “Rachel’s proven specialty underwriting and leadership skills, together with her track record of delivering impressive underwriting performance, made her the ideal candidate for the role,” said Hobbs. “Her expertise, passion and collaboration will add value to clients and brokers.” Moore added: “Our ambition when we created the GRS Office of Underwriting was to build a team of talented leaders who can drive results through underwriting excellence, consistent global product strategies and a common view of risk. ”Rachel’s appointment completes the GRS team of chief underwriting officers. We will focus on bringing LSM’s expertise and offerings to help clients and brokers across GRS manage complex risks.” Conran joins from Intact Financial Corporation, where she most recently served as chief executive officer and board member of RSA Luxembourg. She has held senior management and chief underwriting roles at leading global insurers, successfully managing sizeable global portfolios of complex products.

https://www.globalreinsurance.com/home/liberty-specialty-markets-names-rachel-conran-cuo/1443089.article

After nearly 30 years in the Insurance industry, seeing and living the changes, from the introduction of new insurances evolving from new and emerging risks proposed to the world and the U.A.E in particular, to the challenges faced by heightened regulations, I decided to embark on a new challenge of my own. My aim in starting up Indemnity Insurance Brokers was to build a local business of experienced individuals with international exposures, to deliver a sustainable and profitable model by striking the right balance between all key stakeholders. Taking a proactive approach working with clients and counterparties to not only embrace the challenges faced but to lead in innovation. I wanted to create a consultative approach brokerage based on analytics and risk management delivering innovative solutions to help our clients make informed decisions and to be their trusted knowledge based risk partners of choice consistently delivering efficient and bespoke solutions. New challenges are emerging, from low oil prices affecting many economies in the region, to the introduction of VAT being rolled out across the GCC. However, MENA has seen steady growth with premiums reaching USD 57 billion in 2016 and the U.A.E leading alongside Turkey and Saudi Arabia. U.A.E premium growth has been primarily due to compulsory medical insurance implemented in recent years. These challenges are opening up new opportunities and I am very excited to embark on this journey and invite you to be part of it. Managing Director of Indemnity Insurance Brokers LLC

http://www.indemnityib.com/about-iib/message-from-managing-director/

Cathay Life Celebrates Fifth Celent Mannequin Insurer Award Analysis and growth of latest threat management mannequin attracts worldwide consideration TAIPEI, April 28, 2023 /PRNewswire/ — Cathay Life Insurance coverage has as soon as once more been acknowledged for its experience, taking residence the corporate’s fifth Mannequin Insurer Award from Celent, the worldwide consulting and analysis firm. As an authoritative consulting group within the monetary expertise business, the Celent Mannequin Insurer Award is among the highest business honors that may be obtained. With revolutionary digital providers and information as its core energy, Cathay Life stood out amongst the competitors of 260 submissions from 170 monetary establishments in additional than 50 international locations with its Cathay Eye Clever Danger Management Mannequin and claiming the prize within the class of Information, Analytics and AI. The corporate can be the one insurance coverage firm in Taiwan to have obtained an award in 2023. Pertaining to system and information, the Cathay Eye Clever Danger Management Mannequin gives a brand-new threat classification methodology for the life insurance coverage business. By leveraging the substantial quantity of knowledge accessible to the corporate, Cathay Life was in a position to develop the scope of utility to different areas, together with private well being dangers, simplifying the processes of promoting, underwriting, product design, and extra. The brand new mannequin is among the few within the international insurance coverage business that may management and handle multi-faceted dangers, successfully offering clients with higher insurance coverage expertise. “We hope to make use of information evaluation and new applied sciences to offer clients with a brand new insurance coverage expertise. Cathay Eye permits us to view Taiwan’s insurance coverage business in a extra revolutionary method, which can be a catalyst for change,” mentioned Solar Zhide, Senior Vice President of Cathay Life Insurance coverage. The multi-disciplinary strategy of utilizing threat fashions to unravel enterprise challenges, demonstrating revolutionary functions within the insurance coverage worth chain, and showcasing the industrial worth of AI fashions within the insurance coverage business was additionally successful elements thought-about by the awards panel. “The Mannequin Insurer Award goals to commend insurance coverage firms for utilizing expertise to alter the face of the insurance coverage business, and Cathay Life’s Cathay Eye mannequin is a profitable case worthy of reference by the business. In the long term, Cathay Eye might be utilized to all the insurance coverage business to assist drive a sustainable and optimistic path for the long run,” added Max AngSenior Analyst at Celent. Cathay Life Insurance coverage believes that within the period of digital transformation, expertise is the important thing to sustainable operation. Being data-driven shouldn’t be solely confined to these within the information evaluation division; all cross-disciplinary abilities must be nurtured and groomed. Having launched into the mission of coaching no less than 20% of its employees inside 5 years to grow to be adept with information two years in the past, this newest win demonstrates Cathay Life’s dedication to main industrial innovation and serving to clients, in addition to cementing its prime place within the discipline of insurance coverage expertise. By the tip of final yr, the corporate had cultivated 7% of back-office staff and 129 information scientists to make use of analytical abilities to enhance work effectivity and help in decision-making. Cathay Life will proceed to speculate sources in coaching its expertise and firmly believes the method is akin to assembling a powerful operational basis, which is able to solely create stronger momentum to guide industrial transformation and innovation. SOURCE Cathay Monetary Holding Co., Ltd. #Cathay #Life #Celebrates #Celent #Mannequin #Insurer #Award, 1682678943

https://on-diet.com/cathay-life-celebrates-fifth-celent-mannequin-insurer-award/

General Search & Recruitment (GSR) is a professional firm specializing in insurance staffing. With over 43 years of experience in the industry, GSR has become experts at identifying and recruiting the top talents in the insurance sector. Our focus is on underwriting, claims, and sales positions. From sourcing to screening, GSR continuously adapts to the industry’s pulse, ensuring we stay up-to-date with the latest trends and demands. By doing so, we are able to build valuable relationships with both professionals and employers, helping to refine and redefine the recruitment process. If you are looking for insurance underwriting recruiters in SD, GSR is here to help. Our extensive network and industry expertise allow us to connect you with the most qualified candidates in the field. By partnering with GSR, you can save time and resources in your recruitment process. We handle the initial screening and vetting process, ensuring you only meet with candidates who meet your specific requirements. With our assistance, you can streamline your hiring process and focus on growing your business. Why Choose GSR for Insurance Underwriting Recruitment? - Experience: With over four decades of experience, GSR has a deep understanding of the insurance industry and its unique needs when it comes to underwriting. - Industry Expertise: We specialize in underwriting, claims, and sales, allowing us to narrow down our focus and provide you with top-notch talent in these specific areas. - Extensive Network: Our vast network of professionals and employers in the insurance sector enables us to find the perfect match for your staffing needs. - Continued Adaptation: We stay updated with the industry's pulse, keeping track of emerging trends and technologies that affect insurance underwriting. This enables us to stay ahead of the curve and connect you with candidates who are knowledgeable in the latest developments. Call to Action If you are in need of insurance underwriting recruitment services in SD, contact GSR today. Let our expertise and network work for you, saving you time and resources in finding the best talents in the industry. For more information about our services, please visit InsuranceRecruiters.com. Read more about insurance industry news and insights on Insurance Journal. For information on ProSight Specialty's insurance program for drone operators, visit this page.

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

Pen Underwriting: Everything you need to know Headquarters address: 67 Lombard St, London EC3V 9LJ, United Kingdom Locations: 14 (throughout the UK) Gross written premiums: £660 million Underwriting expertise: Commercial; construction; cyber; financial lines; household; hazardous goods, tankers, and environmental industries; liability; professional services; real estate Key people: Tom Downey (chief executive officer), Jennifer Martin (chief underwriting officer), Matthew Lucas (chief operating officer), Nick Wright (chief business development officer), Catriona Thomson (chief financial officer), Charles Manchester (CEO, Manchester Underwriting), Adrian Scott (managing director – financial lines), Andrew Booth (managing director – SME and personal lines), Nick Colyer (managing director – public sector), Sarah Breslin (managing director, specialty division), Caroline Spalding (HR director) About Pen Underwriting Pen Underwriting is part of the Arthur J. Gallagher group (the division of Arthur J. Gallagher & Co. which is focused on international broking and underwriting outside of the United States). In 2014, Pen Underwriting was formed from 12 leading underwriting businesses. These businesses assembled to create a single company on the understanding that together they could provide the value proposition relied on by brokers – outstanding support and service. Many of the founding businesses of Pen Underwriting were market leaders and experts in their own right prior to this amalgamation, and this has given this organisation a natural advantage in this competitive market. It has a GWP (2018) of approximately £500 million and a definitive aim to underwrite a portfolio unmatched in its diversity. The products of Pen Underwriting Pen Underwriting’s aim to underwrite a portfolio with great scope, territory and reach is evident from the broad range of products offered by the underwriter. From real estate to liability to cyber to hazardous and environmental industries, Pen Underwriting offers specialist cover and tailored, high-quality solutions. The values of Pen Underwriting Pen Underwriting prizes four essential traits as the embodiment of the value system of this organisation. These are: Ethics and culture at Pen Underwriting Though separately regulated from the Gallagher group, as part of the group Pen Underwriting has been recognised as one of the world’s most ethical companies and is proud to share the culture of the Gallagher group. Pen Underwriting participates in the United Nations Global Compact Principles, demonstrating its commitment to maintaining a solid ethics and compliance programme and commitment to ethical behaviour. As part of the Gallagher group, Pen Underwriting has won the global Ethisphere Award for seven consecutive years, generating a powerful reputation as a company with excellent corporate citizenship and responsibility. To support Cancer Research, Pen Underwriting employees set up a Charity Committee which organises an array of fundraising activities, including a Cake and Coffee Morning for World Cancer Day. In conjunction with Gallagher’s match funding scheme, every effort is made by Pen Underwriting to give back to the wider community. Important news from Pen Underwriting Leadership at Pen Underwriting Tom Downey – Chief executive officer Downey was named Pen Underwriting’s CEO following a successful period of sustained growth and underwriting profitability. He joined Pen in 2015, initially leading the firm’s specialty division before taking on the role of chief underwriting officer in 2017. As CUO, he was responsible for underwriting, capacity management, pricing, analytics, risk and governance and claims across Pen. Prior to coming aboard Pen, Downey held several senior positions at RSA, including as director of MGAs and Delegated Schemes. He joined the company as a graduate trainee 25 years earlier. UK CEO shares insights into how the UK business fared Promoted leader will support the company’s 6,000 UK colleagues Firm notes it has a clear focus on internal leadership development 'Mind the Gap' – leader advises brokers and clients

https://www.insurancebusinessmag.com/uk/companies/pen-underwriting/191782/

We are a leading independent specialist broking firm for intermediaries, direct insureds and reinsureds, operating in Lloyd’s, London and international markets. We focus on specialist areas where we have built up technical sector knowledge and have become a recognised leader in our chosen fields. Read the latest opinion and insight, market updates and company news from Miller. Miller can offer you the freedom to flourish in our performance orientated, innovative and challenging environment. Getting in touch is easy. Search for a Miller specialist or contact one of our offices. Cargo & stock throughput Solicitors, Cyber risks Construction, Directors and Officers, Professional & financial risks... + 1 more Marine, Marine Liability Reinsurance 05 July 2022 We bring you our quarterly marine liability market update, and introduce our new European cargo team based in Marseille, France. 31 March 2022 We are delighted to be attending RIMS - in person - this year! Ahead of this, our spring edition of the bulletin includes some exciting content from external co... 29 March 2022 Welcome to the latest market knowledge brought to you by our insurance specialists in Singapore. 17 February 2022 In this edition, our core feature is the latest on London market rates, capacity and appetite across 19 lines of business, direct from our people on the ground... Claims, Cargo & stock throughput Claims, Energy, power & renewables

https://www.miller-insurance.com/News-and-insights

Awards and Recognition Michael Harrington, vice president of risk management for Lockheed Martin Corporation, has been named the 2021 Risk Manager of the Year. Cheryl Lloyd, associate vice president, chief risk officer, and vice president, system-wide human resources for the University of California, was named to the 2021 Risk Management Honor Roll. Ashley Martin and Max Bernstein, juniors at Saint Joseph's University, took first place honors in the Captive Insurance Companies Association's (CICA) 2021 college student essay contest. The theme of this year's contest was "Using Captive Insurance To Better Manage Risk, Improve Your Bottom Line." The Federation of European Risk Management Associations (FERMA) has announced the nominees for its COVID-19 Special Award. The award will honor a risk manager who has shown excellence in responding to the COVID-19 crisis. A.M. Best has affirmed the A (Excellent) financial strength rating of American Contractors Insurance Group (ACIG) with a financial size rating of VII ($100 million to $250 million) in capital and surplus. ACIG was the recipient of the Captive Insurance Companies Association’s (CICA’s) 2019 Outstanding Captive Award. Milliman leads the way in a new Risk Retention Reporter ranking of actuaries ranked by the number of risk retention groups (RRGs) they serve, followed by Willis Towers Watson, Aon, Pinnacle Actuarial Resources, and Complete Actuarial Solutions. Milliman has 32 RRG clients, Willis Towers Watson has 30, and Aon has 15.

https://www.captive.com/news/awards-and-recognition?&page=4

To misfire; to have a reverse effect from what was intended. Mimi's gossip about the Head of the Department backfired wizen people began to mistrust her. ball of fire A person with great energy and ability; a person who can do something very well. He did poorly in school but as a salesman he is a ball of fire. The new shortstop is a good fielder but certainly no ball of fire in batting. between two fires between a rock and a hard place Between two dangers or difficulties, not knowing what to do. The boy was between a rock and a hard place; he had to go home and be whipped or stay in town all night and be picked up by the police. When the man's wife and her mother got together, he was between two fires. build a fire under To urge or force (a slow or unwilling person) to action; get (someone) moving; arouse. The health department built a fire under the restaurant owner and got him to clean the place up by threatening to cancel his license. burnt child dreads the fire once bitten, twice shy A person who has suffered from doing something has learned to avoid doing it again. A proverb. Once Mary had got lost when her mother took her downtown. But a burnt child dreads the fire, so now Mary stays close to her mother when they are downtown. To begin to burn. When he dropped a match in the leaves, they caught fire. Don't stand too close to the gas stove. Your clothes may catch fire. No one seems to know how the old building caught fire. To become excited. The audience caught fire at the speaker's words and began to cheer. His imagination caught fire as he read. To give a military command ordering soldiers to stop shooting. "Cease fire!" the captain cried, and the shooting stopped. A period of negotiated nonaggression, when the warring parties involved promise not to attack. Unfortunately, the cease-fire in Bosnia was broken many times by all parties concerned.

https://enpuz.ru/idiom/fire

About 22 thousand people from Transnistrian region insured by Moldovan government 10:36 | 30.01.2023 Category: Social Chisinau, Jan 30. /MOLDPRES/- Almost 22 thousand people from the Transnistrian region are insured by the Moldovan government in the national system of mandatory medical assistance insurance. According to the Reintegration Policy Office, in 2022, 21,694 people domiciled in the localities of the Transnistrian region were registered in the Automated Information System Mandatory Medical Assistance Insurance. Thus, compared to 2021, there was an increase of 8.48% (1,839 people), when 19,855 people from the eastern districts of the country were registered in the national system. "The medical assistance services offered by the territorial health centers of the Republic of Moldova are actively used by citizens residing on the left side of the Dniester and the municipality of Bender, such as the case of the center in Varnița village, Anenii Noi district, which annually serves approximately 16.5 thousand of people, the majority being from the eastern districts of the country, or from the Dubăsari center in Coșnița commune - about 32.5 thousand beneficiaries of medical services, annually", a press release of the Reintegration Policy Office reads. The legislation in force determines three categories of people taken into account in the national system of mandatory medical assistance insurance: employed insured persons, individually insured persons and Government insured persons. Photo: Reintegration Office

https://www.moldpres.md/en/news/2023/01/30/23000705

Adapting to change is a critical aspect of navigating the dynamic landscape of the group insurance brokerage industry. In an era marked by rapid technological advancements, shifting market dynamics, and unprecedented global challenges, resilience has become the cornerstone of success for brokerage firms. To thrive in this ever-evolving environment, group insurance brokers must embrace strategic approaches that not only weather the storms of change but also position them for growth. One key strategy for resilience is leveraging cutting-edge technology. Embracing digital tools and platforms allows brokers to streamline operations, enhance customer experiences, and stay ahead of industry trends. From implementing sophisticated customer relationship management CRM systems to adopting data analytics for better risk assessment, technology empowers brokers to make informed decisions and provide more tailored solutions to clients. Furthermore, the integration of artificial intelligence and machine learning can automate routine tasks, freeing up valuable time for brokers to focus on strategic planning and relationship-building. Another pivotal aspect of resilience lies in diversifying service offerings. Group insurance brokers need to continually assess the needs of their clients and expand their portfolio accordingly. By offering a comprehensive suite of insurance products, such as health, life, and disability coverage, brokers can position themselves as one-stop-shops for clients seeking holistic solutions. This diversification not only strengthens client relationships but also mitigates risks associated with fluctuations in specific sectors, ensuring stability in the face of industry shifts. In the realm of client engagement, fostering transparent communication is a strategy that cannot be overlooked. Proactive communication about policy changes, market trends, and risk management strategies builds trust with clients and positions brokers as reliable partners in their financial well-being. In times of uncertainty, clear and open lines of communication become invaluable, assuring clients that their insurance broker is equipped to navigate challenges and adapt to their evolving needs. Additionally, staying abreast of regulatory changes is imperative for resilience in the group insurance brokerage sector. The industry is subject to constant regulatory updates that impact policies, procedures, and compliance requirements. Brokers must establish a robust regulatory monitoring system to ensure compliance with evolving standards, thereby avoiding legal pitfalls safeguarding the reputation of their firms and Click Here. In conclusion, group insurance brokers can fortify their positions in the face of change by adopting a multifaceted approach to resilience. Embracing technology, diversifying service offerings, maintaining transparent communication, and staying vigilant on regulatory fronts are all integral components of a resilient strategy. In doing so, brokers not only weather the storms of change but position themselves as leaders in an industry that demands adaptability and foresight. Ultimately, by proactively navigating change, group insurance brokers can emerge stronger, more agile, and better equipped to serve the evolving needs of their clients in the years to come.

https://www.ekitinigeria.net/adapting-to-change-group-insurance-brokerage-strategies-for-resilience.htm

BMS Group (“BMS”), the independent specialist (re)insurance broker, today announced the appointment of Larry Broadnax as Senior Vice President, Property Facultative Leader, effective on 15 April 2020. He will be based in Atlanta and reports to Pete Chandler, president & CEO of BMS’s US reinsurance arm. Broadnax joins BMS with more than 40 years’ insurance experience, specializing in property facultative (re)insurance. Broadnax has worked as Vice President, Facultative Property Broker at Guy Carpenter since 2003, where he focused on strategic planning and was responsible for the negotiation and placement of various property lines of insurance. Broadnax has also held various senior roles at Northbrook Insurance Companies, handling a number of property and casualty accounts. Broadnax began his career at Liberty Mutual Insurance in 1980. Chandler said: “Tailored facultative reinsurance solutions are crucial for BMS’s clients to secure and grow their position in the marketplace. We are therefore strengthening our reinsurance capabilities by investing in our dedicated facultative teams. With his experience and market intelligence, Larry will be instrumental in developing new sources of capacity and designing cost-effective solutions for our clients. We look forward to working closely with him and the rest of the team and I am therefore pleased to welcome him to BMS.”

https://www.haggiepartners.com/bms-expands-us-property-facultative-team-with-the-appointment-of-larry-broadnax-as-senior-vice-president/

Delivering a memorable customer experience is the key driver for many companies in the hospitality industry. This product provides a comprehensive solution to the hospitality industry in the region and creates awareness for the needs of this industry. The hospitality industry is facing today multiple risk management challenges, including: - Property damage and business interruption - Liability exposures - Terrorism attacks - Employee Wellbeing - Climate & Natural Disaster Risks What is the purpose of the product? This industry-focused insurance offering, uniquely designed for the hospitality sector, aims to help companies to identify and quantify risk exposures, to simplify the insurance buying process through a “one-stop-shop” approach and assist in the cover selection process, based on the organization’s unique risk tolerance and budget. Why we designed this tailor-made offering? We developed this offer to simplify the buying process and to support the hospitality sector address a range of specific needs such as: - Managing climate change - Supporting employees’ mental health and physical wellbeing - Using all available industry and peer data to properly quantify risk exposures - Approaching risks with innovative and tailored solutions rather than the pure traditional ones. What does the product provide? The product is designed to offer a tailored offering with highly specialised coverages for various insurance lines, meant to serve our hospitality clients’ interests and changing needs. It reflects Willis Towers Watson’s continued dedication and commitment to delivering innovative and highly adapted offerings through an analytical approach and risk quantification. As a global risk advisor and broker, we have the expertise, team and connections to create the right solution for your business. What does the product look like?

https://www.wtwco.com/en-cz/solutions/services/packaged-services-for-the-hospitality-sector

Foundation Risk Partners Broker Brett Pollak Recognized as a 2021 Health Care Power Broker Brett Pollak, Senior Managing Director, Foundation Risk Partners Doctors can be choosy when it comes to the medical malpractice insurance their employers purchase. But the market can be complicated, said Nisha Bhalla, vice president of operations and strategy for Refocus Eye Health, a group of eye practices with locations in Connecticut, New Jersey and Pennsylvania. So Bhalla welcomed efforts by Brett Pollak to analyze the policies carried by the company’s doctors and come up with a lower-cost strategy that resulted in better coverage. And he helped explain it to the physicians, said Bhalla, who noted that the better coverage is a plus when it comes to the challenging task of recruiting doctors. “It’s really helpful to get them over the fence with us.” That kind of work is what leads clients to describe Pollak as a true business partner. “He’s awesome. He’s an extension of my resources,” said Gina Schroeter, chief administrative officer of ProHEALTH Dental, which operates 13 dental practices in New York and New Jersey. “He’s definitely one of my go-to people.” When ProHEALTH Dental was shopping for health benefits last year, Pollak helped calculate the company’s expenses under different cost-sharing arrangements with employees. “He not only does it, but then we will have at least two meetings where he’ll walk me through it and I’ll say, ‘That’s great but I want to see this,’ and he’ll re-do it for those numbers,” Schroeter said. A Risk & Insurance Power Broker® is an individual who stands out among their peers for the exceptional client work they delivered over the past year. While brokers play many key roles in the insurance industry and risk profession, a Power Broker® award recognizes problem solving, customer service and industry knowledge. Our goal is to broadly recognize and promote outstanding risk management and customer service among the brokerage community. Who selects the winners? Power Brokers are selected by risk managers based on the strength of the testimonials they provide to a team of 15 Risk & Insurance editors and writers.

https://riskandinsurance.com/award-profile/foundation-risk-partners-broker-brett-pollak-recognized-as-a-2021-health-care-power-broker/

Q3 Power Brokers Nationwide… Yes WeCann! Commercial real estate within the cannabis industry is really starting to take hold of the overall market, and WeCann is leading at the forefront. Commercial real estate’s elite recognize our agents with this latest commendation. This helps us bring increased recognition to WeCann and our client’s transactions we work hard on! WeCann Wins Power Broker Award for Q3 2021 CoStar Group, Inc., the premier provider of commercial real estate information, analytics, and online markets, just revealed the CoStar Power Broker Quarterly Deal winners for the third quarter of 2021. WeCann’s President, Meilad Rafiei, came out on top in the Costa Mesa market, thanks to the persistent efforts of Director of Real Estate, Jason Piazza, and Associate Agent, Lani Flores. The top deals done each quarter, based on price and square footage, decide the CoStar Power Brokers Quarterly Deal winners. Please join us in celebrating Meilad, Jason, and Lani on their third-quarter CoStar Power Broker Quarterly Deals triumph. We’re thrilled to get this award, which recognizes our real estate team’s hard work, and dedication to sourcing these types of marquee, green zone properties. In the third quarter of 2021, our agents closed one of the most valuable lease and sales deals in the United States and Canada, in one of the most competitive cannabis real estate markets ever, and we couldn’t be more proud of them. About CoStar Group, Inc. The CoStar Power Broker Awards honor and reward the best brokers and businesses in commercial real estate in the United States and Canada. Each year, CRE professionals can submit their completed sales and leasing transactions for consideration for the Annual Power Broker Award. CoStar verifies and analyzes tens of thousands of agreements to determine market winners. This could be based on cumulative deals; SF and PSF. Additionally, this award is held in high regard by both real estate agencies and professionals. As such, a chance to receive this honor would rank highly among the industry’s elite. Expanded in 2020 to include the Power Broker Quarterly Deals award, CoStar’s recognition program acknowledges the top deals done by brokers in each market every quarter. Brokers can now submit their offers at the end of each quarter for evaluation. CoStar prominently features the yearly and quarterly deal award winners throughout their product and marketing channels.

https://www.wecannca.com/wecann-costar-powerbrokers/

On the contrary, currently, the understood occasions of Raven revealing apparent irritability towards Starfire include in "Crazy Day" whenever https://datingranking.net/wantmatures-review/ Starfire joins in the young men' craziness and "Kabooms" when she snaps at Starfire, which pleads the lady is the makeup products artist, to stay down with "will you be kidding myself? In "The Scoop!", Starfire grieves after Raven delivers the second's waffle manufacturer in to the trash can, unintentionally generating Starfire feels anxious when she and guys disapprove Starfire bonding with all the information and also Starfire happens as far as kidnapping the girl and also the guys to coerce them to inform in which contains the information eliminated before she in addition to guys approve the relationship between Starfire together with information. Thankfully, she plus the kids are increasingly being forgiven by Starfire and all of all of them celebrate for all the affairs they develop attached with. She later on offers Starfire suggestions about tips properly answer both 80s babes that like the latter's tresses by explaining the meaning associated with jargon. In "Lil' Dimples", Raven is comforted by Starfire just who tells her that their dad will be the challenge. The woman is after are informed by Starfire on not to ever force herself too much on training the lady party. In "ladies nights In", Raven can not agree with Starfire's enjoyment concerning on Blackfire's explore and warns the lady that Blackfire simply schemes to beat Earth during their date aided by the different ladies. However, she do think pitiful for Starfire that has been denounced by Blackfire, and together with the other babes, in the end assists Starfire on defeating Blackfire. In "monster son on a Shelf", Starfire and Raven connection over attracting a derogatory doodle of Santa Claus with the markers on wall surface. In "Bat Scouts", Starfire brings Raven, Cyborg and monster son each a friendship bracelet she's got generated, which Raven discovers it cool reciprocally. In "Jam", Starfire and Raven's connection shines if they are rollerblading in sync with each other, contending up against the Brainy Brawlers alongside Harley Quinn, Poison Ivy and Catwoman, including pursuing the three Gotham Sirens with a very good show of friendship and solidarity following a couple of them recognize the 3 villainesses posses deceived all of them. Notwithstanding their particular nearness, there are still events wherein Raven's actions create Starfire distressed. In "next Christmas", Raven, Cyborg and Beast son become envious that Starfire gets the possible opportunity to enjoy a aˆ?second Christmasaˆ? so they make-up one minute Christmas. Following the facts are uncovered by three (because of Robin's power), Raven attempts to apologize but Starfire happens peanuts and Raven lays involuntary making use of the three young men and Silkie and becomes taken to medical center following the Tower gets blown-up. Also, in "Secret yard", Starfire is certainly not pleased to see Raven entering the landscaping without approval and soon after Starfire is heartbroken observe Raven draining the life power from the blooms. In "actual Art", Starfire actually goes as far as trapping Raven plus the boys inside the art gallery via Rainbow Raider's support only because Raven therefore the young men got harsh views regarding the pet painting she ordered from Rainbow Raider. " (though she's to kindly Starfire by praising the outfits as "very great"). The harshest time occurs when Starfire (as magnificent Quad) turns evil along with the rest associated with the boys once the people in League of feet and Raven (as Mega Legasus) crushed their legs (counting Starfire's) so that you can diminish the wicked power in the legs. Raven is generally annoyed by Cyborg's immaturity and selfishness, specially when the guy leads to stress along with his companion monster guy or compels this lady to participate in strategies she dislikes, but deep-down she cares about your.

https://www.essfar.com/in-nostalgia-just-isn-t-a-substitute-for-a-real-2/

Risk Strategies acquires Maryland-based captive manager Oxford Risk US insurance broker Risk Strategies has agreed to acquire Oxford Risk Management Group, a Maryland-based provider of alternative risk and captive insurance services. Oxford Risk was established in 2010, and specialises in conducting captive feasibility analysis, coordination and management of turn-key captive insurance company arrangements, both domestically and internationally. It is led by its founding principals, Michael DiMayo and Kevin Myers. “Creating and managing captive structures goes back to the earliest days of Risk Strategies, which started primarily as a risk management consultancy to help organisations identify, understand and manage their business risks,” said Mike Christian, founder and CEO, Risk Strategies. “Bringing on the team at Oxford will provide a valuable resource for alternative and enterprise risk management for existing and prospective clients across our specialised practices.” Following the deal, the Oxford brand and team will operate as usual. Michael DiMayo, principal at Oxford Companies, added: “Captive structures are uniquely able to accommodate a broad range of specialised enterprise risks that today’s rapidly evolving business world needs managed to safeguard success,” noted Michael DiMayo, Principal, Oxford Companies. “Becoming part of Risk Strategies, an organisation that understands from its founding days the client benefit of a smartly structured captive, made sense as we looked for ways to extend the reach of our operations.”

https://www.captiveinternational.com/analysis/risk-strategies-acquires-maryland-based-captive-manager-oxford-risk-2450

Our audit services are frequently requested by customers to satisfy W&I insurance requirements. We understand that each deal is multifaceted and unique, as are the respective insurance policies and W&I/R&W insurance requirements. We currently offer nine different audit services, covering three key risk areas inherent in software: legal risk, security risk, and issues with software quality. Typical requests to fulfill W&I insurance requirements include open source audits to verify that there are no copyleft infringements in the codebase. When we audit for IP infringements, sellers typically outline how they can be remediated within certain timeframes. In many instances, our reports also provide the steps to remediate these risks if there is a workable solution associated with the particular open source component. Some insurers request penetration testing to learn of any potential security risks and allowing them to provide optimal coverage. Globally recognized audit reports Many leading R&W insurance providers across the globe are familiar with our audit reports and are keen to use them when underwriting their policies. As such, we are often approached by clients at the request of W&I providers, who wish to incorporate our audit results into their process to enable optimal coverage and pricing. Underwriting calls are typically part of the W&I process. The insurance provider will meet with their client and their advisors to review the due diligence findings. This generally takes place shortly before the transaction closes. Our reports ensure that our customers are well-informed about the findings and equipped to address such questions. On occasion, our experts are requested to attend underwriting calls and we are more than happy to help. Typically, we are asked to explain our reports, add clarification, and shed light on particular areas of concern. These calls are typically smooth and any questions are easily addressed.

https://www.synopsys.com/blogs/software-security/mergers-and-acquisitions-insurance.html

Each year since 1996, SCOR has rewarded the best research in the field of actuarial science with prizes in several countries. These prizes are designed to promote the development of actuarial science, to encourage research in this field, and to contribute to the improvement of risk knowledge and management. The SCOR Actuarial Awards are recognized in the insurance and reinsurance industries as a mark of excellence. The Actuarial Awards in France are supported by the SCOR Corporate Foundation for Science, chaired by André Lévy-Lang. The SCOR Actuarial Awards juries are composed of internationally recognized researchers and insurance, reinsurance and finance professionals. The winners are selected for their command of actuarial concepts, the quality of their analytical methods, and the originality of their research in terms of scientific advances and potential practical applications to the world of risk management. In 2023, SCOR presented Actuarial Awards in six countries: France, Germany, Italy, Spain, Sweden and Switzerland. If you would like to submit your research for the 2024 Actuarial Awards, please visit Actuarial Awards | SCOR to learn more. Thierry Léger, Chief Executive Officer of SCOR, comments: “As the risk landscape continues to change ever more rapidly, the ongoing development of risk knowledge and management is crucial for the (re)insurance industry, and I would like to thank all our winners this year for their valuable and insightful work. These awards, which have been rewarding actuarial research for more than 25 years, clearly demonstrate SCOR’s long-term commitment to pushing back the frontiers of insurability in order to contribute to the welfare and resilience of society.”

https://www.scor.com/en/press-release/scor-supports-actuarial-science-presenting-actuarial-awards-six-countries-2023

The Polish Insurance Association informs that the Leon Kozicki Contest 2010 for the best final theses on the subject of insurance is now finished. The Evaluation Committee composed of: prof. Irena Jędrzejczyk, PhD; Wojciech Nagel, PhD; prof. Kazimierz Ortyński, PhD; Jan Piątek, PhD; Adam Pustelnik, PhD and Witold Walkowia, PhD, chose the best of the all the theses submitted for the contest. The first prize is awarded to Mariusz Kamiński for the thesis titled:”The enforcement of vehicle insurance claims, including typical disputes”. According to the Committee, the subject of the thesis is current and important both for the theory and practice of insurance business. In an interesting and complete manner, the author describes the issues connected with the enforcement of vehicle insurance claims and their settlement. The thesis was supervised by prof. Eugeniusz Kowalewski, PhD from the Nicolaus Copernicus University in Toruń. The second prize was awarded ex aequo to Joanna Adamska for the thesis „The securitisation in life insurance as a tool of the mortality risk transfer” and to Arkadiusz Filip and Marcin Wienke for the thesis titled. „The stability of quantile premium in relation to the disturbances in the single claim distribution in collective risk models.” The Committee declared that the first thesis is original and written with verve, while the second one presents that the authors are skilled in using mathematic and statistic methods and applying them to non-life insurance, especially concerning the constitution of an insurance premium. The first thesis was supervised by prof. Danuta Marciniak-Neider, PhD from the University of Gdańsk, while the second one was supervised by Agata Boratyńska, PhD from the Warsaw School of Economics. The third prize was awarded to Wioletta Baranowska for the thesis titled ’Group exclusions from the anti-competitive agreements ban in business insurance sector”. The author analyses a complicated matter of the European legislation, concentrating on the regulations concerning the competition law and group exclusions from the anti-competitive agreements ban in business insurance sector. The thesis was supervised by prof. Maria Królikowska-Olczak, PhD from the University of Łódź. We congratulate all the winners and thank all the competitors for taking part in our competition. The Polish Insurance Association invites all the students who write their final thesis this or next year to submit their work for the next edition of the contest.

https://piu.org.pl/en/contest-for-the-best-final-thesis-finished/

Business Insurance Glossary GA4 GTM Snippet Federal Emergency Management Agency - A former independent agency that became part of the new Department of Homeland Security in March 2003 - is tasked with responding to, planning for, recovering from and mitigating against disasters. This covers business owners for losses due to dishonest acts by specific named people, usually their employees. A person who is trusted to act on someone else's behalf, generally in a financial capacity. Provides protection to a person or organization acting within a fiduciary duty to another party against liability claims for breach of their fiduciary duty. A claims representative works outside the office and conducts accident scene investigations, damage inspections and face-to-face meetings with policyholders and third-party claimants. Fine arts coverage Special property coverage for works of art, such as paintings, glass sculptures, or statues that are often not covered in a basic property policy. Combustion sufficiently rapid to produce spark, flame, or glow. Fires can be considered either "hostile" or "friendly. Hostile fires are unintentional, uncontained, and often cause injury or damage to property. Friendly fires are created with intent, and are controlled throughout their duration. Fire legal liability coverage Protection from liability if you rent space and you cause a hostile fire that damages the building. An insurance contract covering a number of automobiles (usually five or more) that are owned by a single insured. Sometimes the policy may have a provision to extend automatic coverage for newly acquired vehicles when they are reported to the insurer within a specified period of time. A land area adjacent to a river, stream, lake, estuary or other water body that is subject to flooding. Forgery or alternation coverage This type of insurance covers losses sustained through forgery or alteration of outgoing negotiable instruments made or drawn by you, or drawn on your account(s), or made or drawn by one acting as your agent. This includes loss caused by any of the following: - Checks or drafts made or drawn in your name, payable to a fictitious entity - Checks or drafts, including payroll checks, executed through forged endorsements - Alteration of the amount of a check or draft

https://www.homesitebusinessinsurance.com/glossary/f

Strategic Risk Solutions (“SRS”; “the Company”), a leading provider of insurance management and consulting services, announced today that the Company is establishing operations in Guernsey. Peter Child has been appointed to the position of Managing Director, SRS Guernsey Management Limited, and will be responsible for the development and oversight of SRS’s business in Guernsey. “We are pleased to be able to establish an office in Guernsey – a great place to do business, with its solid regulatory framework, strong infrastructure, and a vibrant and growing insurance market,” said SRS Chief Executive Officer Brady Young. “Adding Peter to our talented management team is a pivotal next step in the execution of our strategy to expand our customer base and to extend our geographic reach. “While we’ve developed an enduring presence in the US and international captive management sector, we’re now building a strong team in Europe and in the commercial insurance and insurance linked securities (“ILS”) segments. Peter’s mandate includes establishing an office in Guernsey to support the development and management of insurance entities across all sectors in the domicile. “We are receiving an enthusiastic reception from existing and new clients who welcome an independent and expert alternative to broker-owned management firms.” Young noted that Child will officially take up his new position with SRS in July. Recruitment efforts to staff the Guernsey office will begin immediately. Born in England and raised in Guernsey, Child began his insurance career in the early 1990s with Euler Hermes, a London-based trade credit and political risks underwriter. He worked in data analysis, sales and underwriting before returning to Guernsey in 2001 to take up the position of Assistant Director of the Insurance Division of the Guernsey Financial Services Commission (“GFSC”). Child went to Aon from the GFSC and after working with the firm for two years, joined Artex in 2007 where he worked in various different roles, most recently with responsibility for Artex’s Guernsey office as well as those in Malta, Gibraltar and London. He also oversaw the provision of insurance management services to a diverse portfolio of international clients. Child holds an English degree from the University of Reading, United Kingdom. He is an Associate of the Chartered Insurance Institute. He is a past Chairman of the Guernsey International Insurance Association (“GIIA”), the representative body for Guernsey’s insurance companies and insurance managers, and is current Chair of GIIA’s Market Development Committee which oversees initiatives in the areas of captive insurance, ILS, rated reinsurance, pension risk transfer structures, managing general agencies, life insurers and market access. About Strategic Risk Solutions (SRS) www.strategicrisks.com SRS is the world’s leading independent insurance manager. With over 25 years’ experience, SRS provides management and consulting services to a wide range of insurance company structures, from single parent captives to complex commercial insurers and reinsurers. SRS has operations in the United States, Europe, Barbados, Bermuda, Grand Cayman, Guernsey and South Africa.

https://www.strategicrisks.com/srs-news/srs-to-establish-operations-in-guernsey/

As Esports’ popularity continues to grow, everyone wants in on the multimillion dollar action including hotels. Case in point: The first esports-themed hotel is currently being built in the geek culture district of Nipponbashi, Osaka, Japan. Named e-ZONe Denno Kukan, “Esports Hotel E-Zone Cyberspace” in English, will resemble a typical gaming cafe, with the hotel aimed at experienced gamers and those who are new to esports. It will be nine story’s tall and will feature sleeping cabins, gaming floors and special upscaled suites with in-room gaming PCs. The first three floors of hotel will be dedicated to gaming, with more than 70 high-end gaming PCs and live-streaming equipment for tournaments and events. The remaining floors will be reserved for accommodation, with the majority providing sleeping cabins and a total of 94 beds. Inspired by ‘cyberspace’, conceptual images of the interior and exterior fall in line with the theme with bright neon colors and lighting giving it a somewhat cyberpunk look. No official rates have yet been released but watch this space! At GG Insurance Services, we provide expert protection for the Esports and games industry, with insurance policies that cater to a business’s individual needs. With over 30 years of experience, in the insurance industry, our knowledge and professionalism ensure that a company and its assets are in trusted hands. GG was developed to find the perfect insurance solution to the gaming industry through our access to the Lloyd’s market. Our range of cover options includes Insurance for Game Developers & Publishers, Insurance for Esports, Cyber, Intellectual Property and Insurance for Events.

https://gginsurance.net/esports-hotel-in-japan/

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A Tesla Cybertruck body has been seen before production starts. Prior to the impending start of production for electric pickup trucks in Texas, a prototype Tesla Cybertruck has been spotted at work. Giga Press For The Production Of Electric Pickups In Texas, an electric pickup is already being produced. and calibration work might be done with a Tesla Cybertruck body. With the anticipated Cybertruck deliveries beginning in approximately a year, these pictures seem to validate the committed team. Prior to the start of production, Tesla is diligently finishing the last-minute alignments for the trucks' sensors and cameras. Over the past year, an update on The Cybertruck with its final details and cost was anticipated. However, Tesla has chosen to keep quiet thus far about the electric truck despite some delays. Recently, the business claimed to have a few Alpha versions for Tesla Cybertrucks. which, according to sources, will soon enter the Beta phase before entering into production next year. In its Q3-2022 earnings call, Tesla essentially confirmed the closure, citing that Giga Texas is on schedule to start manufacturing the Cybertruck by mid-2023. Will Tesla Use Liquid Cooling For Its Semi And Cybertruck? - haymakertavern

https://haymakertavern.com/web-stories/a-tesla-cybertruck-body-has-been-seen-before-production-starts/

48 Agents Earn Certified Advisor of Personal Insurance Designation WHITEHOUSE STATION, N.J., Dec. 7, 2023 /PRNewswire/ -- Chubb today announced that 48 high-performing insurance agents and brokers have earned the designation following the successful completion of a comprehensive educational curriculum created in collaboration with the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania. The inception of the CAPI program began 9 years ago and today helps high-performing insurance agents and brokers serve as trusted advisers to successful clients. Following completion of 12 months of study, program participants complete a rigorous curriculum, to demonstrate their mastery of understanding the needs and dynamics of the high-net-worth market. Chubb and Wharton Executive Education have trained a total of 369 insurance professionals during the history of the program, who hold the prestigious designation. "Completion of the CAPI program is a mark of excellence for high performing agents and brokers who support the high-net-worth market," said Maria Johnson, North America Sales & Distribution Leader at Chubb. "The curriculum is notable for providing its graduates with the tools, knowledge and client relations skills to support the complex risk management needs of high-net-worth successful individuals and their families." CAPI's curriculum consists of modules related to the financially successful mindset, custom insurance solutions, building client relationships, selling, excelling in the high-net-worth arena, and sustaining excellence. In addition, attendees participate in 25 webinars and a capstone project. Courses, which are taught by Wharton faculty, Chubb subject matter experts and other professionals, include "Understanding the Total Family Balance Sheet," "Collections" (e.g. art, jewelry, antiques, wine, etc.), "Insurance Concerns and Special Needs," "Building Relationships," and "Trust Based Selling." The agents and brokers in the CAPI's ninth graduating class work for a variety of organizations, including major global and regional brokerages to small-town, family-owned independent agencies across the United States and Canada. Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: . Chubb Insurance Company of Canada has offices in Toronto, Calgary, Montreal and Vancouver and provides its products and services through licensed insurance brokers across Canada. For additional information, visit: chubb.com/ca. About Wharton Executive Education Wharton Executive Education has served as the global leader in executive development for 35 years. Steeped in the heritage and analytical insights of the Wharton School, with an eye toward shaping the future of business, Wharton Executive Education's, , and programs prepare more than 100,000 professionals a year to transform their careers and organizations. For more information on Wharton Executive Education's practical business solutions, visit . View original content to download multimedia: SOURCE Chubb INA Holdings

https://www.marketscreener.com/quote/stock/CHUBB-LIMITED-3860961/news/Chubb-and-Wharton-Executive-Education-Train-the-Next-Generation-of-High-Net-Worth-Focused-Agents-and-45522850/

Bhubaneswar, Aug 26 (IANS) A fire broke out in the Maharaja Krishna Chandra Gajapati (MKCG) Medical College and Hospital in Odisha’s Berhampur on Friday, but no injuries were reported in the incident, officials said. The fire broke out inside one of the operation theatres in the plastic surgery ward on the fourth floor of the super super-specialty block of the hospital this afternoon, said fire service officer, Pradeep Patnaik. All patients and staff were rescued safely from the premises immediately as the building was filled with smoke, he said. Fire service personnel doused the flame within a short span of time. It is suspected that the fire erupted due to a short circuit, said Patnaik, adding that no casualty was reported. A doctor, who was there inside the OT at that time, said that they rescued one patient, who was undergoing surgery, as the fire broke out. Disclaimer: Medical Science is an ever evolving field. We strive to keep this page updated. In case you notice any discrepancy in the content, please inform us at [email protected]. You can futher read our Correction Policy here. Never disregard professional medical advice or delay seeking medical treatment because of something you have read on or accessed through this website or it's social media channels. Read our Full Disclaimer Here for further information.

https://www.thip.media/news/fire-breaks-out-at-odisha-medical-college-no-casualty-reported/34392/

The National Parks and Wildlife Service (NPWS) has partnered with Fire and Rescue NSW, the NSW Rural Fire Service and AirServices Australia to encourage young women to pursue a career in firefighting. NPWS hosted the Girls on Fire program last week (4 November) which aimed to inspire young women to take up jobs in firefighting and emergency services. Fire Team Leader with NPWS, Leigh Nolan said it was important for girls to hear from, and see female firefighters in action and be exposed to opportunities within the emergency services. Ms Nolan said the program introduced girls to remote firefighting operations. “We will talk about how NPWS crews work to contain lightning strikes that occur in hard to access, remote locations in national parks,” Ms Nolan said. “We’ll go through the planning and practical steps we take to access these fires, reduce their spread and minimise their impact on nearby communities,” she said. “By talking to these girls about my own firefighting experiences I want to show them that it is a really rewarding job and hopefully inspire them to pursue a career firefighting in NPWS, a choice they might not have thought of.” Ms Nolan said there were more than 1,000 trained NPWS firefighters across the State and around 25 per cent were female. She said many NPWS female firefighters were highly trained members of the specialised Remote Area Firefighter Team.

https://psnews.com.au/female-firefighters-light-up-girls-future/51099/

Insurance Brokerage for Pharmaceutical and Biotechnology Sector Protection for tomorrow’s life-saving medical devices and medicines Managing a pharmaceutical or biotechnology company means facing critical exposures daily. From dealing with clinical trial disruptions to maintaining business continuity and enforcing regulatory compliance, the field of life sciences involves much more than test tubes and lab experiments. Successfully carrying out clinical trials or managing your supply chain requires risk management engineering that shows you the full picture. Because unexpected hazards can thwart growth and success, it’s vital to pinpoint them at the outset of your risk management strategy. To avoid getting blindsided, BFL CANADA can help you detect them before they become an unresolvable issue that stands in your way. SEE THE BLIND SIDES OF YOUR RISKS FROM EVERY ANGLE LET'S BUILD A CUSTOM INSURANCE SOLUTION At BFL CANADA, we know how to help you minimize the consequences of a business interruption and limit your exposure to unwanted additional costs. Our goal is to help manage your company’s exposures, whether you specialize in providing essential products, services, or support to the life sciences industry. Protects you from potential risks in your supply chain that could cause a loss and/or interruption in your business. We can introduce strategies designed to minimize your risks, regarding your shipping processes or the management of your inventories. All too often, life sciences companies suffer operational downtime and/or significant losses in inventory due to the ineffective management of sensitive goods. The BFL CANADA team can provide risk mitigation strategies that protect your business. In the event of a power outage or other supply chain disruption that threatens your temperature-sensitive products or raw materials while stored in a warehouse or in transit, we have the strategies to help mitigate the impact to your business and downtime. Helps you avoid any situation that could jeopardize you meeting your operational goals. Life sciences companies face many specialized risks, such as environmental or temperature changes that could compromise manufacturing, storage or transportation of goods. Understanding these risks and implementing the necessary procedures or risk mitigation techniques can help you avoid a loss or recover more quickly from possible losses. We are here to help you effectively manage potential risks, whether they concern stock, freight transport, single source suppliers, fire protection, property in transit or other aspects of your operations. As one of the founding partners of Lockton Global, conducting business in over 140 countries, we can help you with placing insurance internationally. We understand the local insurance and regulatory compliance systems in each country where you are considering conducting clinical trials or setting up operations. In some countries, it can take a long time to obtain documentation and we help you understand these timelines so you can meet your ethics committee deadlines for submitting your proof of insurance. This way, insurance will not delay your submission to local authorities. Assists in the arrangement of quotations and implementation of compliant and competitively priced clinical trials insurance coverage. Our access to both domestic and international insurance companies allows us to deliver value added insurance programs. This way you can focus on recruiting patients for clinical trials knowing your business is well protected. You will have a full-service insurance resource and independent consultancy to ensure effective coordination between you and your insurers. Clinical trials insurance claims management is also included. Helps you identify your exposures and arrange necessary insurance coverage to protect your business and allow you to recover from a lawsuit as quickly as possible. For example, a medical device company would want to consider insuring against any lawsuit from potential injuries arising from the use of their medical devices; and may also consider insuring against loss of income resulting from a fire or other interruption at their manufacturing premises, or at a third party manufacturers’ facility. This form of business interruption coverage is designed, for example, to pay for a loss of income, in a specified time period or until the insured returns to their previous profitability level, and could be the difference between rebuilding from a fire, or going out of business. YOUR TEAM OF LOCAL ADVISORS THE BFL CANADA ADVANTAGE BFL CANADA has achieved extraordinary growth because of our consistent ability to perform and deliver due to our expertise, professionalism and dedication, as well as our entrepreneurial culture. This culture and work ethic have driven our growth and attracted organizations with which we have established meaningful and mutually beneficial partnerships.

https://www.bflcanada.ca/life-sciences/

Encompass Insurance Brokers For Business - Engaging with us Why engage with us? As a business owner / Financial Director / Procurement Officer, you have a multitude of different providers and options when considering your insurance portfolio. Let's dispel one myth first; there is no Broker that can meet the needs of all businesses - despite what you might read on glossy corporate websites. We recognise that your time is limited so we will summarise what we do in one paragraph below and if this sounds like the type of Broker that might suit you, you can read on to determine why we have structured our proposition in the way we have and understand what this means for you. 'Encompass Insurance Brokers deliver a fully advised broker service for UK businesses that value professional advice and guidance, completely transparent fees, access to a broad range of financially rated insurers including direct access to specialist London Market insurers and a Broker that makes an effort to understand your business and design an insurance program that caters for your risk appetite. We have very low overheads, no debt and a de-centralised business ethos that rewards those in the business that add value to the proposition hence incentivising an exceptional personal service proposition.' So, what does all this mean? A Fully Advised Broker Service There has been an increasing shift towards 'non-advised' brokers as opposed to 'advised' Brokers but there is a very important distinction between these two types of Broker - click here to learn more about the differences between the two. Spoiler alert: 'cheaper' may not be 'better'! ....but then you probably knew that! Completely Transparent Fees The majority of Brokers still offer policies that include their commission (or brokerage to use industry parlance) hidden in the bottom line price that you pay. Click here to learn why we do not do this and why it is better for you that we don't. Financially Rated Insurers You are about to pay a fair amount of money to an insurer for them to take risk away from you. What happens when your insurer 'goes under' taking your cash with it and leaving you without cover? Whilst it is rare in the UK, there have been cases of this happening. Click here to learn what happens when this ocurs and how you can minimise this risk. Direct Access to the London Market According to the Association of British Insurers (ABI) there were a total of 920 Insurers operating in the UK in 2019 - you're right, we've not heard of some of them (believe it or not, whilst we love insurance, we do have lives!) but we are confident that we have relationships with those insurers that can facilitate the requirements of the majority of our clients. Some of our insurer partners are based in London, have no (or very little) regional presence and only deal with specialist London Placement Brokers. Very generally, these insurers tend to underwrite risks that are unique or large. Most Brokers have partnerships with Insurers who have a regional presence and, when the need arises, they will engage with another Broker (on a wholesale basis, to use industry parlance) to access the London Market. This arrangement can actually work very well for you, the buyer, under some circumstances but there are many instances when the placement involves many brokers adding little value and, therefore, be punitive for the buyer. As you may have already noticed from our website, we are both Brokers for 'direct' clients like you and we also provide our services to other Brokers if they require our broking services and access to an insurer in the London Market. Click here to learn more about when wholesale placements become costly and offer little value - and what it means for you to engage with a Broker that has both 'Regional' and 'London Market' access. Makes an Effort to Understand Your Business Whilst it is hard for us to understand, we do appreciate that arranging your insurances might not be on the top of your 'To Do' list and why you might seek to do this in as little time as possible. Have you ever had a Broker ask you to send them a copy of your renewal invite in order that they might obtain an alternative quotation? Yes, we've seen that too. Click here to learn why that might be a terrible idea and why we do things differently. Very Low Overheads and No Debt How are business costs paid for? As you know; by increasing the product / service price, which means you pay more. We're going to hand you over to our MD for his views on this one here - advance warning; his wife doesn't call him an 'insuromniac' for nothing, so we suggest you grab a coffee first... A Decentralised Business Ethos A website wouldn't be complete without some corporate mumbo jumbo - here is what it means for you and we do think that this is a major point of difference between us and other Brokers so it's worth a read. If you have made it this far, thank-you, we appreciate that there is a lot of information to take in. If you would like to contact us to discuss your requirements in more detail, we would be delighted to hear from you.

https://www.encompassib.co.uk/copy-of-for-business

Directors & Officers (D&O) ASK FOR AN OFFER As soon as your request is received, we will analyse the risks associated with activity of your company and provide you with a choice of insurance solutions from which you can choose the most suitable. Ask for an offer now, write to us: [email protected] or send an inquiry using "request quote" button. We offer an individual approach to each client, offering insurance solutions according to the needs, requirements and possibilities of each specific company. DIRECTORS AND OFFICERS LIABILITY INSURANCE The purpose of the Directors and Officers Liability insurance is to provide cover for a company’s executives against claims arising from their decisions taken. The persons insured include natural persons, i.e. the company’s management board members, executives, supervisory board and other persons related to management decisions. And the company against whom a claim is filed in connection with a management board member’s activity is also insured. Proved damage and legal expenses are compensated for. Why should I take out Directors and officers liability insurance: It covers the personal financial risk of a member of the management board where the latter is liable for their activity with their personal property It helps the company find funds for covering damage arising from managerial mistakes (a claim filed against a member of the management board may significantly exceed the latter’s personal assets) It provides an opportunity to raise the value of the management board member motivation package It gives a member of the management board a sense of security when making decisions and courage for taking risks It allows covering legal aid expenses

https://en.inpro.ee/directors-and-officers

A complementary cover option for our customers with Globalliance policies. Four good reasons to choose “TopLiner” - Choose the supplemental amount to cover - Set the cover term for the desired number of days - View our approval and rates online on Cofanet - Validation and cover takes effect immediately Coface supports your commercial development with a new credit insurance product. Sign up for a non-cancellable supplemental cover online, for the duration you choose Your credit limit was approved lower than requested or rejected? TopLiner offers you: - Non-cancellable* supplemental cover - For your customers worldwide “TopLiner” is particularly sought-after by companies looking to obtain insurance to cover a high-priority or highly profitable development project. when more is your strategy Supplemental cover integrated into your contract With just a single contract, you receive supplemental cover that does not affect the terms and conditions attached to the primary credit insurance policy. No declaration is required for the premium calculation and the complementary cover is granted without any additional credit limit fees. The conditions for submitting a claim as well as the claims payment methods also remain unchanged. An adjusted price that enables you to assess the aggravation of risk For deteriorated risks, where our underwriters must make preventive decisions, TopLiner comes into play. TopLiner offers you a price adjusted to the risk presented by the buyer, taking into account in real time the amount of cover and term that you would like to obtain. With TopLiner, you make the decision TopLiner is a supplemental cover which goes beyond typical credit insurance and stands apart. With TopLiner, Coface delivers expertise by providing a straight assessment of the cost of your credit risk. You can evaluate it against your net margin to ensure that your commercial transaction remains profitable.

https://www.cofaceza.com/Our-offer/Trade-Credit-Solutions/TopLiner

(BOSTON, September 25, 2013)-- Michael P. Mullins, a partner in Day Pitney's Commercial Litigation Department, will chair the Massachusetts Reinsurance Bar Association's (MReBA) 5th Annual Symposium, "The Future Is Now: Reinsurance in the Age of Superstorms, Cyber Loss and Other Emerging Risks." The symposium will be held October 3, 2013, at the Harvard Club in Boston, and will feature a keynote address by the Honorable Nancy Gertner (Ret.), former U.S. District Court Judge for the District of Massachusetts. Panelists will address "Today's News, Tomorrow's Claims: Challenges and Opportunities For Insurers"; "Beyond the Headlines: Underwriting Emerging Risks"; and "Adjudicating Uncertainty: An Inside Look at Panel Deliberations." Mr. Mullins is an experienced courtroom advocate who represents companies in complex commercial disputes. He represents cedents, intermediaries and reinsurers in domestic and international arbitration and litigation. Mr. Mullins also represents insurance companies in connection with coverage disputes, regulatory investigations, general commercial transactions and other high-stakes matters. MReBA was formed in 2009, and is dedicated to sharing ideas to improve the reinsurance dispute resolution process and lower its cost while promoting education and collegiality within the Massachusetts reinsurance bar. MReBA holds monthly meetings which include the discussion of key trends in the reinsurance business, recent decisions or legislation, and the ongoing developments at insurance and reinsurance companies worldwide. About Day Pitney Day Pitney LLP is a full-service law firm with 300 attorneys in Boston, Connecticut, New Jersey, New York, and Washington, DC. The firm offers clients strong corporate and litigation practices, with experience on behalf of large national and international corporations as well as emerging and middle-market companies and individuals.

https://www.daypitney.com/news/2013/09/michael-mullins-to-chair-fifth-annual-mreba-symp__/

Farmers Insurance is a leading provider of insurance products and services in the United States, offering a wide range of coverage options for individuals and businesses. Founded in 1928 as the Farmers Fire Association, the company has grown to become one of the largest and most respected insurers in the country, with a long history of providing exceptional customer service and financial protection. Today, Farmers Insurance employs over 22,000 people and serves more than 13 million customers across the country. The Power of Effective Advertising In the competitive world of insurance, effective advertising plays a crucial role in attracting and retaining customers. Farmers Insurance has consistently demonstrated its mastery of advertising, creating memorable and impactful campaigns that have resonated with audiences for decades. From the iconic “We Are Farmers” jingle to the humorous and relatable “Cue-te Kittens” commercial, Farmers Insurance has consistently raised the bar for effective advertising in the insurance industry. The Role of Effective Advertising in Business Success Effective advertising plays a critical role in the success of any business, but it is particularly important in the insurance industry. Insurance is a complex product that can be difficult to understand, and effective advertising can help to educate consumers about the importance of insurance and the different types of coverage available. Additionally, effective advertising can help to build brand awareness and create a positive perception of a company, which can be essential for attracting and retaining customers. Farmers Insurance as an Example of Effective Advertising Farmers Insurance is a prime example of a company that has used effective advertising to achieve great success. The company’s commercials are known for their creativity, humor, and relatability, and they have helped to make Farmers Insurance one of the most recognizable and trusted brands in the insurance industry. As a result of its effective advertising, Farmers Insurance has been able to attract and retain a large number of customers, and it has become one of the leading providers of insurance products and services in the United States. Farmers Insurance Commercials: A Legacy of Creative Excellence Farmers Insurance has long been recognized for its memorable and effective advertising campaigns. Their commercials have consistently resonated with audiences, making them a household name and a benchmark for successful advertising. Let’s delve into three key elements that have contributed to Farmers Insurance’s enduring success in the realm of advertising: The Iconic “We Are Farmers” Jingle Introduced in 1993, the “We Are Farmers” jingle has become synonymous with Farmers Insurance. Its catchy tune, simple lyrics, and memorable visuals have made it a cultural phenomenon. The jingle has transcended its role as a mere advertisement, becoming a symbol of camaraderie, perseverance, and community spirit. Humorous and Relatable Storytelling Farmers Insurance commercials often employ humor and relatable storytelling to connect with their audience. They understand that people appreciate lighthearted moments and stories that reflect their own experiences. By using humor effectively, Farmers Insurance commercials avoid being overly promotional and instead create a sense of relatability and warmth. Evolving with the Times and Embracing New Trends Farmers Insurance has demonstrated a remarkable ability to adapt to changing times and embrace new trends in advertising. While staying true to their core brand identity, they have continually reinvented their commercials to engage with contemporary audiences. This willingness to experiment and embrace new technologies has kept their commercials fresh and engaging, ensuring that they remain relevant in an ever-evolving media landscape. Decoding the Success of Farmers Insurance Commercials Farmers Insurance has consistently produced commercials that are not only entertaining but also effective in conveying their brand message. Their success can be attributed to several factors, including: - Understanding Target Audience and Demographics: Farmers Insurance clearly understands their target audience, which consists primarily of middle-class families looking for reliable and affordable insurance. They tailor their commercials to appeal to this demographic by using relatable characters and situations that resonate with their everyday lives. - Crafting Messages that Resonate with Emotions: Farmers Insurance commercials focus on evoking emotions such as humor, nostalgia, and empathy. They understand that people are more likely to remember and connect with commercials that make them feel something. By tapping into these emotions, Farmers Insurance creates commercials that are both memorable and impactful. - Utilizing Humor and Lightheartedness to Engage Viewers: Farmers Insurance is known for its use of humor in its commercials. They have found that humor is an effective way to break through the clutter and capture the attention of viewers. Their commercials often feature funny situations or characters that make people laugh, which helps to make the Farmers Insurance brand more likable and approachable. By following these principles, Farmers Insurance has created a successful advertising campaign that has helped them to become one of the most recognizable and trusted insurance brands in the United States. Enhancing Brand Awareness and Memorability Farmers Insurance commercials have been instrumental in enhancing brand awareness and memorability. The iconic “We Are Farmers” jingle, catchy slogans, and humorous characters have made Farmers Insurance a household name. The commercials have also been effective in creating a strong visual identity for the brand, with the red barn and jingle being instantly recognizable symbols of Farmers Insurance. Fostering Positive Brand Associations and Loyalty Farmers Insurance commercials have consistently portrayed the brand as friendly, helpful, and trustworthy. This has helped to foster positive brand associations and loyalty among consumers. Farmers Insurance is often seen as a company that cares about its customers and is committed to providing them with the best possible service. This positive perception of the brand has been a key factor in its success. Establishing Farmers Insurance as a Trustworthy and Approachable Brand The humorous and relatable nature of Farmers Insurance commercials has helped to establish the brand as trustworthy and approachable. Consumers feel like they can connect with the characters in the commercials, and this makes them more likely to trust the brand. Farmers Insurance has also been successful in using its commercials to communicate its commitment to providing affordable and accessible insurance products. This has helped to position the brand as a company that is on the side of its customers. Case Studies of Notable Farmers Insurance Commercials “We Are Farmers” (1993) The “We Are Farmers” campaign, launched in 1993, marked a turning point for Farmers Insurance. The iconic jingle, featuring the memorable “Bum, bum, bum” chorus, quickly became a pop culture phenomenon. The commercials featured a diverse group of farmers showcasing their expertise and dedication to their communities. The campaign effectively positioned Farmers Insurance as a trustworthy and approachable brand, resonating with a broad audience. “Cue-te Kittens” (2014) In 2014, Farmers Insurance launched the “Cue-te Kittens” campaign, a humorous and heartwarming series of commercials featuring adorable kittens and their antics. The commercials showcased the company’s commitment to protecting families and emphasized the importance of home insurance. The campaign was a resounding success, generating positive buzz and enhancing brand perception. “A Skip Too Epic to Skip” (2023) The “A Skip Too Epic to Skip” commercial, released in 2023, showcased the company’s ability to adapt to changing times and embrace new technologies. The commercial featured a high-energy, fast-paced dance routine that captivated viewers and highlighted the company’s youthful and innovative spirit. The commercial effectively connected with younger generations, demonstrating Farmers Insurance’s relevance in the modern world. Lessons Learned from Farmers Insurance’s Advertising Strategy Farmers Insurance has consistently delivered memorable and effective advertising campaigns, garnering recognition as a benchmark in the industry. Their success stems from a well-defined strategy that prioritizes authenticity, creativity, and consistent branding. Let’s delve into these key takeaways: The Importance of Authenticity and Connection Farmers Insurance commercials resonate with audiences because they capture the essence of real-life experiences and emotions. They portray relatable scenarios that evoke laughter, empathy, and a sense of shared human connection. This authenticity fosters trust and relatability, making Farmers Insurance a brand that people feel they can connect with on a personal level. The Value of Creativity and Innovation Farmers Insurance consistently pushes the boundaries of creativity, crafting commercials that are both entertaining and memorable. They embrace humor, surprise twists, and unique storytelling techniques to capture attention and leave a lasting impression. Their willingness to experiment and challenge conventions has set them apart in the competitive insurance industry. The Power of Consistent Branding and Messaging Farmers Insurance has maintained a consistent brand identity and messaging throughout its advertising history. The iconic “We Are Farmers” jingle, along with the use of familiar faces and themes, has created a sense of brand recognition and loyalty. This consistency has helped establish Farmers Insurance as a trusted and reliable brand in the minds of consumers. By adhering to these principles, Farmers Insurance has crafted advertising campaigns that not only sell products but also build brand equity and foster customer relationships. Their success serves as a valuable lesson for brands across industries, demonstrating the power of authenticity, creativity, and consistent branding in creating effective advertising strategies. Farmers Insurance has established itself as a beacon of effective advertising, captivating audiences with its memorable commercials that have become ingrained in popular culture. Through its consistent commitment to authenticity, creativity, and emotional resonance, Farmers Insurance has not only enhanced its brand recognition and perception but also set a high standard for others in the industry to emulate. For brands seeking to create impactful advertising, Farmers Insurance’s success offers valuable insights. Understanding the target audience, crafting messages that connect on an emotional level, and utilizing humor to engage viewers are all key elements that contribute to successful advertising campaigns. Additionally, embracing creativity and innovation, while maintaining consistent branding and messaging, fosters long-term brand loyalty and recognition. Farmers Insurance’s advertising prowess has not only propelled the brand to prominence but also serves as a testament to the power of effective communication. By understanding the nuances of human connection and leveraging the power of storytelling, Farmers Insurance has established itself as a benchmark in the world of advertising, leaving an enduring legacy that continues to inspire and captivate audiences.

https://insureguide.xyz/farmers-insurance-commercials/

More Corporate Travel Agent Resumes Use these Corporate Travel Agent samples as a guideline or visit our extensive library of customizable resume templates. Corporate Travel Agent Duties and Responsibilities While a corporate travel agent's day-to-day duties and responsibilities are determined by where they work, there are many core tasks associated with the role. Based on our analysis of job listings, these include: Advise Clients on Travel Options Corporate travel agents assist clients by providing advice on the pros and cons of their numerous travel options. When cancellations, itinerary adjustments, and other unexpected circumstances happen, they suggest the best actions to take. They also offer advice concerning local weather conditions, local customs, and sightseeing attractions. Book Travel Accommodations The primary responsibility of corporate travel agents is planning tour packages, excursions, and day trips. On behalf of employees, they book flights, rental cars, hotels, tickets, and insurance. Resolve Customer Complaints Great corporate travel agents work well under pressure and quickly respond to customer issues. Organizations rely on these agents to resolve customer complaints and process refunds and credits when needed. Process Employee Paperwork and Travel Payments Helping keep visas and work permits current is an essential responsibility for corporate travel agents. In some cases, travel consultants help personnel relocate to new cities, states, or countries. Travel agents advise employees on travel documents, insurance, and import/export regulations. Manage Corporate Travel Policy Corporate travel agents strategically manage cost-effective travel policies for their entire organization. They also monitor all travel activity. These agents become go-to subject experts for any travel-related matters, and help a company meet its transportation needs. They ensure all employee travel is safe and organized according to company policy. Corporate Travel Agent Skills and QualificationsCorporate travel agents have excellent people skills, strong business acumen, and a talent for negotiation. Employers typically seek candidates with proven organization skills and a minimum of five years of experience booking international corporate travel. The following skills are essential to getting the job done: - Travel planning - handling travel operations is a major responsibility of corporate travel agents - Negotiation - corporate travel agents are expected to negotiate special rates with travel service providers - Program management - companies expect corporate travel agents to continuously improve their travel programs - Customer service - corporate travel agents deliver excellent customer service by using telephone etiquette and professionally handling service escalations - Relationship building - companies expect their corporate travel agents to proactively manage relationships with travel agencies and vendors - Financial management - corporate travel agents resolve refunds, reimbursements, debits, and money owed due to fraud and incorrect credit card charges - Computer skills - travel agents use computers to conduct research and manage vendor relationships - Research skills - corporate travel agents usually spend hours on the phone and computer researching the best deals to make travel arrangements for their organization - Communication skills - since they work with high-level business clients, corporate travel agents need strong people skills and the ability to be pleasant yet adaptable Corporate Travel Agent Education and TrainingThere are no formal education requirements to become a corporate travel agent, but candidates with a background in travel and tourism are especially attractive. Most corporate-level travel agents have at least an associate's degree in travel and tourism or business. Higher-level agents may also pursue foreign language training to better negotiate deals. Many corporate travel agents work at a commercial travel agency for a number of years prior to landing a corporate position. Corporate Travel Salary and OutlookAccording to the Bureau of Labor Statistics (BLS), the median annual salary for travel agents is $36,990. The lowest 10 percent of workers earn less than $21,350. The highest 10 percent earn more than $62,320. Industry employment of corporate travel agents is expected to decline 12 percent through 2026. Demand for travel agents will decrease due to travelers' increasing ability to use the internet to research and book their own trips. Mobile device booking is also expected to rise. We searched the web to find the best industry resources to help you continue exploring a career as a corporate travel agent. From thought leaders to industry groups, this list is packed with opportunities to learn, connect, and engage: The Travel Agent's Complete Desk Reference - this one-stop resource shares critical information that travels agents use every day, including an industry glossary with over 3,200 entries Global Business Travel Association - visit the GBTA website to connect with a leading network of business travel professionals from around the globe. Members also get exclusive access to a set of resources and tools designed specifically for corporate travel agents American Society of Travel Agents - ASTA is the world's largest association of travel professionals and is dedicated to the travel industry and the traveling public The Travel Institute - get professional travel agent training and education from this leading institute, which has been educating people new to the field for over 50 years Global Institute for Travel Entrepreneurs - check out GIFTE to get coaching guidance and support to help build your new career Create your own professional resume in just minutes. Try our resume builder todayBuild Your Resume

https://www.jobhero.com/resume/examples/travel/corporate-travel-agent

The Canadian Association of Financial Institutions in Insurance (CAFII) is pleased to announce that Canadian Tire Bank (CTB) has joined the Association as a new member. In that connection, Adam Vespi, Associate Vice-President, Insurance & Services at CTB, has been appointed to CAFII’s Board of Directors. Canadian Tire Bank is a federally chartered bank operating as a subsidiary of Canadian Tire Financial Services Limited (CTFSL), the financial services arm of Canadian Tire Corporation. CTB employs over 1,600 people with offices in Welland, St. Catharines and Oakville, Ontario. The company was established in 2003 and is a member of the Canada Deposit Insurance Corporation (CDIC). “We are pleased to welcome Canadian Tire Bank to CAFII,” said Chris Lobbezoo, Chair of the CAFII Board and Vice-President of Creditor Insurance at RBC Insurance. “We look forward to working with Adam Vespi and his colleagues at CTB in ensuring that Canadians continue to have access to an open and flexible insurance marketplace, including optional credit protection insurance and travel insurance, and high levels of customer satisfaction.” “At Canadian Tire Bank, we know that our future will be defined by how well our customers connect with our innovative financial solutions for their jobs and the joys of life in Canada,” said Mr. Vespi. “Our customers’ needs are what drive us to develop innovative financial services and products as well as related insurance coverage, and we look forward to working with our peers at CAFII to help ensure Canadians continue to have access to insurance coverage that is simple, affordable and accessible.” CAFII is a not-for-profit industry association dedicated to the development of an open and flexible insurance marketplace. It was established in 1997 to create a voice for financial institutions involved in selling insurance through a variety of distribution channels. Its members provide insurance through client contact centres, agents and brokers, travel agents, direct mail, branches of financial institutions, and the internet. CAFII believes consumers are best served when they have a meaningful choice in the purchase of insurance products and services. Its members offer credit protection insurance, travel, life, health, and property and casualty insurance across Canada. CAFII works with government and regulators (primarily provincial/territorial) to develop a legislative and regulatory framework for the insurance sector that helps ensure Canadian consumers get the insurance products that suit their needs. The Association’s aim is to ensure that appropriate standards are in place for the distribution and marketing of all insurance products and services. In addition to Canadian Tire Bank, CAFII’s 15 members include the insurance arms of Canada’s major financial institutions – BMO Insurance; CIBC Insurance; Desjardins Insurance; National Bank Insurance; RBC Insurance; ScotiaLife Financial; and TD Life Insurance Company; along with major industry players Assurant Canada; The Canada Life Assurance Company; Canadian Premier Life Insurance Company; CUMIS Services Incorporated; Manulife (The Manufacturers Life Insurance Company); Sun Life; and Valeyo. Photo: Adam Vespi, Associate Vice-President, Insurance & Services at CTB

https://www.cafii.com/cafii-welcomes-canadian-tire-bank-as-a-new-member/

Your Local Independent Insurance Broker The Protection You Deserve Direct-Line Insurance is a thriving brokerage that creates personal connections with customers so that they can achieve their financial and life goals. Call us today! Get An Insurance Quote building trust with our clients Our roots trace back to the 1940’s, making us one of the most well-established brokerages in Alberta. Our customer-focused approach, combined with our experience, helps our customers feel more confident about the future. Whether you’re a growing family looking for a bigger home or an entrepreneur investing in new equipment, your insurance broker will take the time to learn your unique situation. Learn more about our personal approach. PROTECTING THE LIFE YOU’VE BUILT Our independent insurance brokers save you time and money at no cost to you. One call gets you the best price comparison for insurance products from many providers across Alberta. For most people, their home is their most valuable asset. Making sure your home, and everything in it, is insured for the right amount is our priority. Life on the road is full of uncertainty. At Direct-Line, we’re here to help you buy auto insurance that’s right for your type of vehicle and driving experience. From contractors to retailers, Direct-Line can provide commercial insurance for almost any business. Direct-Line works with different types of farms from hobby to family to commercial operations helping manage the risks your operation faces. our insurance agents are live and local Talk to a real person conveniently located in branches across Alberta Direct-Line Insurance has several branches across Alberta. We offer personal service built on one-on-one relationships. Each Insurance Broker takes care of specific clients. We provide guidance and support for each client, helping them choose the coverage and options that will match their particular need. Additionally, both the Millet and Warburg branches offer AB Registries Services and ATB Banking Services. We’re here to help you with all of your financial needs. Get started by finding a branch near you. our insurance companies & affiliations you need someone in your corner We can do that. Are you interested in booking a personal consultation in our office or in your home? Direct-Line Insurance Agents are here to help. It’s easy to get in touch with us. PREFER TO SPEAK IN PERSON? Schedule a personal consultation Get the value you deserve from an independent insurance broker. Give us a call to speak with a locally based agent.

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Nick Martin also brings experience from a 10-year tenure with MinterEllison's technology practice Wotton + Kearney (W+K) has welcomed former EY Law director Nick Martin as special counsel in its cyber and technology practice. He is a specialist in cybersecurity and technology law, advising on matters involving major cyber risk management, data and privacy risk and compliance, commercial contracts, telecommunications, technology procurement, supply chain risk, outsourcing, and IP. His legal career spans more than 20 years, and he has advised private and public sector clients as a technology and outsourcing lawyer in both Australia and the UK. Martin also brings experience from a previous 10-year tenure with MinterEllison’s technology practice. As part of W+K’s team, he will initially advise on cyber readiness, data advisory, privacy, and the legal aspects of strategic technology, such as contract reviews and renegotiations. In addition to Martin, the firm also welcomed James Stavridis as a senior associate for its cyber and technology practice. Stavridis will collaborate with the team on technology liability claims and recoveries arising from cyber claims. Over the year, W+K has expanded its practice, adding a commercial litigation team led by Richard Leder OAM in January, two new partners in Adelaide later that month, and the expansion of its health law practice with the hire of partner Edward Smith in October.

https://www.thelawyermag.com/au/practice-areas/tmt-telecoms-media-technology/wk-welcomes-new-special-counsel-from-ey-law/469607

Increased premiums meant consumers shopped around more in 2023, which means Money Supermarket's insurance revenue increased 28% in 2023, leading to the group generating “record revenue”. Aviva will be in Lloyd’s by the end of the year, after years of rumours suggesting the insurer's return to the marketplace, a source has told Insurance Post. Walsh revealed in a LinkedIn post that he was starting his “next chapter at Google Cloud”. Following an internal restructure and a business simplification exercise, Aviva is looking to expand its presence in the specialty and London Markets. Briefing: After 15 months, the Amazon Insurance Store is coming to an end. Scott McGee asks the question: ‘What went wrong?’ and ‘Was it doomed from the outset?’ The Competitions and Markets Authority has today (31 January) opened up an investigation into the proposed merger between Ardonagh’s Atlanta Group and Markerstudy. Ten insurers within the London Market and three regional market insurers have been awarded Gracechurch’s Claims Quality Marque. News Editor’s View: After the British Insurance Brokers' Association asked personal lines insurers to commit to the broking channel, Scott McGee looks at what has got brokers spooked, and what action needs to happen in order for a fruitful future. Perils stated £467m of the losses from Storm Babet and Aline occurred in the UK and were mainly flood-related. Admiral and Direct Line’s profits could be threatened if the Financial Conduct Authority clamps down on companies charging customers for paying motor insurance premiums monthly, Bloomberg Intelligence has warned. Matt Brewis, head of insurance for the Financial Conduct Authority, has appeared before a parliamentary committee to discuss the Leasehold and Freehold Reform Bill and been challenged by MPs over whether the current crop of rules ensure insurance costs…

https://www.postonline.co.uk/author/scott-mcgee

Chip Merlin is founder and president of Merlin Law Group, one of the largest national firms representing and advocating for policyholders in disputes against their own insurance companies. He is the author of Pay Up! Having advised CNN, Fox News, Fox Business News, and local television outlets around the country, Merlin has been dubbed “the Babe Ruth of Hurricane Claims” and “the Master of Disaster” in the press. Former chair of the Bad Faith Litigation Group for the American Association for Justice, he is a preeminent insurance attorney and consumer advocate with a focus on commercial and residential property insurance claim disputes and bad faith insurance litigation. His long-running blog helps consumers with their claims. When not taking on big insurance companies, Merlin, a former marathon runner, can be found racing sailboats. LEARN HOW THE MODERN INSURANCE INDUSTRY FUNCTIONS AND DYSFUNCTIONS With Pay Up! attorney Chip Merlin exposes the bad faith practices of insurance companies that take advantage of their own customers. The claims process has become so automated that legitimate claims are denied without ever being seen by human eyes. Exceptions… April 29 2022 April 5 2022 September 3 2021 Find out if you qualify to be a Forbes Books author.

https://books.forbes.com/authors/chip-merlin/

What’s the difference between Local Insurance SEO and National Insurance SEO? For that matter, what do SEO specialists mean when they discuss the difference between Regional SEO and National SEO? And how do these three important categories affect the Search Engine Results Pages for leading search engines like Google and Bing? Let’s start with the basics, a definition of each of these terms: National Insurance SEO: Search Engine Optimization targeting long-tail keywords which are national in scope, without regional or local modifiers. For example, Business Insurance, Property and Casualty Insurance and Directors and Officers Liability Insurance are all examples of general, non qualified, “national” keywords. If a prospect typed this term in their browser, they would receive a national list of the most relevant matches. The long-tail keyword phrase, Property and Casualty Insurance, is searched over 40,000 times per month according to Google. Regional Insurance SEO: Insurance agents can consider regional SEO as modified national long-tail keyword phrases. For example, if we take a national keyword phrase like Life Insurance and add a state or regional modifier, the resulting keyword phrase would look like this: New England Insurance. New England Insurance is searched 4,400 times per month according to Google. Local Insurance SEO: Local Insurance SEO requires a different strategy than national and regional, and produces different types of results. If you were to type, Boston Life Insurance, a map appears with up to 10 listings of local businesses which have locations in that geographic area. After the map and the associated listings are displayed, the search engines will list all other relevant search results, which may or may not have an actual location in the area. Which search is appropriate for your insurance agency or brokerage? That depends on your business profile. Are you a small local firm selling in a confined geographic area? If so, your agency should focus heavily on Local SEO. Are you a regional firm, selling in a multistate area? Then your insurance agency web marketing plan should target Regional Insurance SEO. However, you can still target local insurance SEO, particularly if you have multiple offices in those states. Lastly, if you are a national insurance agency or broker, you should work on national long-tail keywords which will drive the best possible traffic to your site. It’s important to note that SEO is only one aspect of Insurance Search Engine Marketing. Driving traffic to your insurance agency website is the result of an integrated approach, combining agency website development, insurance social media marketing, blogging, vlogging, ePublshing and to some extent directory submissions and link building. Take a comprehensive Insurance Search Engine Marketing approach to optimize all SEO initiatives.

https://businessglitch.com/insurance-seo-local-regional-and-national-insurance-seo-defined.html

The first-of-its-kind brokerage solves a gap in flexible workspace coverage and meets increased safety and security demands across the industry MONTROSE, COLO. — Workspace management software company Proximity Space Inc., announced today the launch of Proximity Protect, a specialty, nationwide insurance brokerage that provides coverage for coworking and flex space operators, members and tenants. The new offering addresses a glaring need in the coworking and flex industry to reduce business risk for space owners and managers and provides an easier, more streamlined approach to getting proper coverage in place. Proximity Protect is the nation’s first brokerage to fully specialize in insurance for flexible workspaces and their members. As a relatively new asset class, flexible workspace has rapidly outpaced advances in commercial insurance offerings, leaving operators with a lack of options for coverage, carriers and competitive pricing. Proximity Protect is designed to help space owners take a comprehensive approach to risk management and provides access to tailored insurance programs that address the unique risks of operating in a flexible workspace environment. Proximity provides a full suite of operations technology to hundreds of flexible workspaces that rent offices, desks, meeting rooms and event space to more than 100,000 members in the Proximity Network. As a large segment of the country’s workforce prepares to exit their homes and return to offices, the demand for flexible workspace is expected to dramatically increase among employers that will enable long-term flexible and remote work. “The two themes I’m hearing repeatedly from the country’s companies are safety and security,” says Josh Freed, CEO of Proximity. “These are hurdles everyone is going to face as the country returns to work. It’s become clear that there’s a need for experts and solutions in the field of risk mitigation and management in the flex industry.” Last year Proximity hired risk management veteran David Young, who has spent the last decade as a lecturer with the CU Denver Business School teaching for the risk management and insurance degree program. Young brings to Proximity more than 30 years of commercial insurance experience developing tailored programs for large groups and Fortune 500 corporate clients addressing current and emerging key risks. “Our goal is to educate the entire insurance industry on the coworking and flex industry,” says Young, who serves as president of Proximity Protect. “The insurance industry can be slow to innovate which leads to risks simply being declined or inadequate coverage is provided for the space operator. We’re here to advocate for the industry and provide innovative solutions that so far, no one has managed to offer.” Previous program attempts in the coworking industry largely focused on partnerships with third-party agencies who were tapped to provide group discounts but unable to provide industry-specific coverage. By leveraging the size of the Proximity Network, Proximity Protect offers policies nationwide through direct appointments with A-rated and admitted insurers. “We’ve worked to create a specialty insurance brokerage with the sole purpose of providing solutions at scale to every operator and member of the spaces in our network,” says Freed. “There’s no reason spaces need to continue taking on the risk for most or all of their members.” The Protect rollout includes new insurtech features that enable space owners and managers to designate which types of memberships are required to carry insurance and to automatically collect, track and manage member insurance policies and certificates in the Proximity platform. Policies currently available through the Proximity Protect program include property, general liability, workers’ compensation, employment practices liability and cyber liability. Coverage is available for coworking and flex spaces, as well as businesses that operate within these shared workspaces. More information is available at www.proximity.space/protect. Proximity is the workspace management platform that connects people and places. Coworking and flexible workspace operators use Proximity to manage memberships, check-ins, reservations, conference rooms, digital door access, Wi-Fi control, billing and events. Hundreds of workspace locations in the Proximity Network are accessible to remote companies, distributed teams and entrepreneurs around the world. Learn more at www.proximity.space. Chief Growth Officer, Proximity

https://icrowdnewswire.com/2021/04/06/proximity-launches-protect-offering-to-provide-industry-specific-insurance-for-coworking-and-flex-spaces/

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http://blog.localleadsnow.com/2012/10/downtown-austin-tx-office-cleaning.html

Jefferson Township, NJ Find a Trusted Insurance Agency in Jefferson Township, NJ Looking for a trusted insurance agency in Jefferson Township, NJ? Look no further than Innovative Insurance Group. For 25 years, we’ve been providing our clients with the peace of mind that comes with having the right coverage. As an independent agency, we put our clients first and work with some of the best insurers in the business. Protect Your Future With the Right Coverage Plan Our team of experts specializes in finding the best coverage options for our clients. We understand that every individual and business has unique needs, so we take the time to assess your situation and find the plan that fits your budget and provides the protection you need. We offer a wide variety of plans from some of the industry’s most trusted carriers: Invest in Your Protection Today Invest in your protection today with Innovative Insurance Group. Contact us if you live in or near Jefferson Township, NJ, to learn more about how we can help you find the right coverage for your needs. We’re committed to providing our clients with exceptional service and helping them make informed decisions about their insurance coverage. Our advisors work closely with you to ensure you understand your options and have the right coverage in place to protect your future. Find The Right Coverage Plan What clients think about us Needed insurance and Jeff was professional, called me back quickly, and got top insurance rate paying less what I was... read moreJoe H.10/26/2021 Jan is always willing to go above and beyond for her customers. If there's a way to get you the... read morePamela B.11/06/2020 Great personal attention! Jan is the best...She cares...will spend time with you...knows what she is doing....and will save you money!!!!Rhonda K.11/05/2014

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Kansas City Life Insurance Company won the coveted SAMMY Award for “overall Best of Show” at the 59th Annual Insurance Marketing & Communications Association (IMCA) Showcase Awards Gala, held last evening during the 2017 IMCA Annual Conference in Scottsdale. Additionally, The American Equity Underwriters Inc. was honored with IMCA’s inaugural TaDa! Award, which attendees voted on to select the best onsite tabletop display of an award finalist during the conference. Specifically, Kansas City Life earned the SAMMY Award for its “VIP Victory in Production, President’s Birthday Contest” project in the In-House, Product or Image Advertising/Marketing category. American Equity Underwriters was honored for its onsite conference display of the “2017 Mardi Gras Mailout” program in the Public Relations category. More than 90 awards were presented in 33 distinct categories during the Showcase Awards ceremony at The Scottsdale Hotel at McCormick Ranch. Organizations from across the United States and Canada entered the competition this year, which recognizes outstanding marketing and communications products and programs and promote higher standards of excellence within the insurance industry. “The high quality of entries in our Showcase Awards program this year was tremendous,” said Anna Hargis, chair of the IMCA board of directors and director of advertising at Shelter Insurance. “We had a great mix of entries from insurance carriers, agencies and brokers, as well as various advertising, marketing and communications organizations that support our industry. It was a great showcase of the value marketing and communications professionals bring to our industry.” AIG and The Co-operators earned the most awards overall, with seven wins apiece including two Best of Show Awards each. They were followed by Aon Affinity, which won six awards including three Best of Show. The Doctors Company also won six awards, including one Best of Show, and John Hancock Insurance earned six awards, including four Best of Show, the most of any entrant. The Main Street America Group was honored with five awards, including two Best of Show Awards. Earning four awards each were CNA (one Best of Show), Foremost Insurance Group (three Best of Show), Frankenmuth Insurance and The Hanover Insurance Group (one Best of Show). Other winners of a Best in Show Award included: Applied Underwriters, COUNTRY Financial, Independent Insurance Agents & Brokers of America, Manulife, MAPFRE Insurance, Missouri Employers Mutual, Preferred Connect Insurance Center LLC, Sun Life Financial, and The Cincinnati Insurance Companies. Additional Award of Excellence winners included: Acuity Insurance, Allstate Business Insurance, Artex Risk Solutions, ASEQ | Studentcare, Atlantic American Corporation, Aviva Canada Inc., Direct Choice, Inc., Great American Insurance Group, HealthMarkets, Jackson, Kansas City Life Insurance Company, Manulife, MAPFRE Insurance, MiniCo Insurance Agency, Missouri Employers Mutual, NORCAL Mutual Insurance Company, PEMCO Mutual Insurance Company, Preferred Connect Insurance Center LLC, Safeco Insurance, The American Equity Underwriters Inc., The Cincinnati Insurance Companies, UFG Insurance and Universal American. Judging criteria for each of the 2017 IMCA Showcase Awards’ 33 categories included background (why was the program or product created), target audience, objectives (what was the intended outcome/strategy and measurable success criteria) and results versus established metrics. More than 70 judges participated in the virtual judging process of the 300-plus entries. Judges included advertising, marketing, public relations and corporate communications executives from across North America. About the Insurance Marketing & Communications Association IMCA (www.imcanet.com) is the oldest association for insurance marketing and communications professionals in North America with roots tracing back to 1921. Membership includes leading international and domestic multi-line insurance companies and brokerage firms, regional and specialty companies, general agencies, and prominent industry suppliers. The organization represents over 120 companies, including the top five property/casualty writers. Members include senior level management and professional staff working in the areas of corporate communications, advertising, public relations, marketing communications, marketing and sales promotion, marketing research and technology.

https://msainsurance.com/news-release/kansas-city-life-and-american-equity-underwriters-earn-top-honors-imcas-2017-showcase

Experts Identify 7 Principles To Guide Energy Policy September 14, 2021 Washington, D.C.: Energy experts convened by non-partisan OurEnergyPolicy (OEP) have identified seven principles that should be used by officials at all levels of government to guide the development of effective energy policies. These principles are the outcomes of an OEP initiative that began in February 2021 with a webinar opened by Congressman Paul Tonko (D-NY-20) and Senator Lisa Murkowski (R-AK) and that concluded after an expert Roundtable session in April. Prompted by suggestions from the nationwide OEP community, the organization launched the initiative to articulate principles that could be used to guide the creation of sound energy policy, regardless of political affiliation or personal opinions. OEP convened three discussions to explore this question in-depth. The principles that experts identified through these discussions are the following: - Reliability – The public depends on energy to keep the economy running, especially during extreme weather events. - Affordability – Americans depend on daily, affordable energy to function and thrive. - Decarbonization – Climate change threatens the basic systems of modern society. - Equity and Inclusion – Policy must take into account likely impacts on various communities and ameliorate inequities. - Integrated Policy – Policies should be drafted with the understanding that our energy systems are interconnected; achieving one goal may affect our ability to achieve others. - Respecting Sound Science – Energy policies should be evidence based and in harmony with the best scientific studies and data. - Technology Neutral – To the extent possible, energy policies should take a technology-neutral, market-oriented approach, as this most efficiently promotes the continued evolution of the energy sector. “Energy policy is extremely complex with many policy approaches and sometimes conflicting priorities,” said OEP President Bill Squadron. “The principles identified through our multi-perspective, deliberative process can act as a lodestar or point of reference as policymakers consider options and try to work through differences.” Read more in the paper, Guiding Principles for Sound Energy Policy: Outcomes from an OurEnergyPolicy Discussion Series. About OurEnergyPolicy: OurEnergyPolicy is a 501(c)(3) nonpartisan organization dedicated to advancing and facilitating substantive, responsible dialogue on energy policy issues and providing this discourse as a resource for the public, policymakers, and the media. OurEnergyPolicy also serves as a one-stop resource hub for all things energy policy and includes the OurEnergyLibrary—an online resource library aggregating thousands of U.S. energy policy-relevant publications from across the sector.

https://www.ourenergypolicy.org/oep-news/experts-identify-7-principles-to-guide-energy-policy/

COLUMBIA, SC – January 10, 2017 – The Seibels Bruce Group, Inc. (Seibels), an insurance services provider of business process outsourcing (BPO) solutions, is pleased to announce the appointment of Ron Giomi to Vice President of Litigation and Liability Claims within the claims division of the company, Seibels Claims Solutions, Inc. In this new leadership position, Mr. Giomi will oversee the management of litigation and liability claims for Centauri Insurance, Gulfstream Property & Casualty Insurance Company, and St. Johns Insurance Company, and liability claims for Security First. Mr. Giomi has over forty years of experience in the insurance industry, and has been a member of the Seibels team since 2002. In addition to serving clients with claims expertise in the litigation and liability arenas, Mr. Giomi also teaches insurance courses and seminars, such as AINS® and policy training, to Seibels team members. “Throughout Ron’s tenure with Seibels, he has served as a valued resource to the company and our clients,” said Dester J. Terry, President and Chief Claims Officer, Seibels Claims Solutions. “Ron’s extensive background in working with specialized and complex claims uniquely qualifies him to lead the management of this division. Ron’s knowledge and passion for this field have greatly contributed to shaping our company’s culture, which encourages team members to have a passion for learning and continuing education.” Prior to joining Seibels, Mr. Giomi was the Manager of Commercial Claims at Nationwide for over seventeen years. Mr. Giomi also has experience working for Cigna and Federated Insurance. Mr. Giomi graduated from the University of Florida and holds a Master’s Degree in Business Administration from the University of Georgia. Mr. Giomi holds several insurance designations including CPCU®, AIC™, AIM™, ARP™ and ARe™. About Seibels Seibels provides a suite of business process outsourcing solutions to the insurance industry, including policy administration, claims administration, accounting & reporting, and technology & cybersecurity services. From its start as a fire and life insurance company in 1869, Seibels has evolved and prospered over the past 145+ years. By leveraging a strong combination of insurance industry and technology expertise, Seibels helps today’s insurers achieve operational efficiency. Seibels recognizes the value of quality customer service, strong client relations, continuous innovation and integrity. For more information, please visit www.seibels.com. Marketing Communications Specialist For more information, contact the South Carolina Insurance News Service at 803-252-3455 or use our contact form.

https://scinsurance.net/news-room/view/seibels-appoints-ron-giomi-vp-of-litigation-and-liability-claims

Multimodal RAG: Using Graphlit, OpenAI GPT-4 Vision for Insurance Adjustment November 10, 2023 With OpenAI's release of their GPT-4 Vision model, it has opened up the ability to analyze visual content (images and videos) and gather insights, which was previously not possible with existing Large Language Models (LLMs). Large multimodal models (LMMs) combine information from different modalities, such as text and images, to understand and generate content. These models have the ability to process and generate information across multiple types of data, providing a more comprehensive understanding of the input. Let's walkthrough how to build an image analysis pipeline and AI copilot for insurance companies with Graphlit, with just a few API calls, and no AI experience required. Completing this tutorial requires a Graphlit account, and if you don't have a Graphlit account already, you can signup here for our free tier. The GraphQL API requires JWT authentication, and the creation of a Graphlit project. Analyzing a Chicago Building Fire Back in 2017, when living in Chicago, a fire broke out in a furniture company across the street where where I lived. I had taken pictures of the quick response of the Chicago Fire Department, which saved the buildings next door. (The furniture company building was a total loss, and ended up being torn down.) We can use the GPT-4 Vision model to provide a detailed description of images, like this example. Notice how it recognized the text "Chicago Fire Department" from the ladder, as well as recognizing the police vehicle. Existing computer vision models can do OCR (Optical Character Recognition) or generate captions, but the ability to prompt an LLMs and get a response with this fidelity is game-changing for the AI industry. After a fire, insurance adjusters have to process the damage and evaluate claims. This can be a valuable use case for the insights provided by the GPT-4 Vision model. Insurance adjustment refers to the process of evaluating and settling insurance claims. Insurance adjusters play a crucial role in assessing and processing insurance claims, including those related to fires. The use of images in their job can be beneficial in several ways: Damage Assessment: Images provide visual documentation of the extent of damage caused by the fire. Adjusters can use these images to assess the severity of structural damage, damage to personal belongings, and other affected areas. Evidence and Documentation: Images serve as valuable evidence in the claims process. They help document the condition of the property before and after the incident, providing a clear visual record that can be used to validate the claim and determine the appropriate compensation. Claim Validation: Images can help validate the legitimacy of a claim. Adjusters can compare the information provided in the claim with the visual evidence to ensure that the reported damages align with the actual conditions. Loss Estimation: Adjusters can use images to estimate the monetary value of the loss. Visual evidence helps in calculating the cost of repairing or replacing damaged property and possessions. Investigation and Analysis: Adjusters may need to investigate the cause of the fire. Images can aid in the analysis of fire patterns, origin, and potential contributing factors, helping to determine liability and prevent fraud. Claim Settlement Negotiations: During negotiations, images can be powerful tools to support the adjuster's position. They provide a visual representation of the damages, making it easier to convey the impact of the incident. Automated Image Insights Using Graphlit, we can ingest these images of the Chicago building fire from an Azure blob storage container. First, we create a workflow object, which provides the instructions to extract labels, description and visible text from the images. Note, we are assigning the LOW detail mode for the OpenAI GPT-4 Vision model. This allows the API to return faster responses and consume fewer input tokens for use cases that do not require high detail. Now that we have the GPT-4 Vision Workflow object, we create a feed to read all the images from the "test" container, and "images/Chicago" relative path. We specify the workflow by ID, which will be used to process these ingested images. After the feed is created, Graphlit enumerates all files from the specified location on Azure blob storage, and automatically ingests them, while applying the specified content workflow. This happens asynchronously, and takes a minute or two to complete, depending on the available rate limits for the GPT-4 Vision model. Now that we have these images in the Graphlit knowledge graph, we can start emulating an insurance adjuster, and gather insights from the extracted data. Similar to how LLMs can be used to analyze documents and web pages, here we are showing an example of Multimodal Retrieval Augmented Generation (RAG). We are using the OpenAI GPT-4 Vision model, but this pattern can be used with any Multimodal LLM which provides an API for image analysis. To begin our analysis, we create an LLM specification, which describes which model to use ( GPT4_TURBO_128K_PREVIEW), and the LLM Specifications act as a preset for interacting with the LLM, and can be reused across conversations. Developers can also assign a default specification to the Graphlit project, which is used for all conversations. Then, we create the conversation, and assign the specification object to use. Now we have our conversation, which we can prompt multiple times. Let's find out what GPT-4 Vision recognizes in the images, and pass the prompt: GPT-4 Vision responds with detailed analysis of the fire scene. Notice how it recognizes the Chicago Fire Department is on the scene, and how the fire is concentrated on the upper floors of the building. That's useful, but since we want to emulate the role of an insurance adjuster, let's ask for more details on the severity of the fire. Here we can see how GPT-4 Vision is doing deeper analysis, using the images as context, and leveraging the knowledge the model was trained on. It rates the fire 8/10 because of the potential structural damage, and intensity of the flames and smoke. It also recognizes the date of the fire, provided via image metadata by Graphlit, and understands the location of the fire based on the identification of Chicago Fire Department on the ladder. Conversations can be leveraged to build AI-enabled chatbots or copilots. Conversations can also be integrated as an automated workflow for insurance companies to automatically understand any provided data for a claim. We've shown you how to use a multimodal LLM, like OpenAI GPT-4 Vision, and the Graphlit Platform, to build an insights pipeline for use by insurance companies. We look forward to hearing how you make use of Graphlit and our conversational knowledge graph in your applications. If you have any questions, please reach out to us here.

https://www.graphlit.com/blog/multimodal-rag-insurance-insights

Experience the epitome of workspace luxury with Welltuch Furniture's Premium Series T-Shaped Open Office Workstation. In today's dynamic business environment, where top-notch quality, aesthetics, and functionality are paramount, our Premium Series stands as a testament to excellence. Key Features of the Premium Series T-Shaped Open Office Workstation: - Exquisite Craftsmanship: Meticulously crafted using the finest materials and precision engineering, our Premium T-Shaped Workstation exemplifies uncompromising quality. - Design Brilliance: The Premium Series seamlessly combines aesthetics with functionality, presenting a visually stunning and exceptionally functional workspace solution. - Tailored to Your Vision: Effortlessly personalize your open office layout, thanks to the adaptability and versatility of the Premium T-Shaped Workstation. - Ergonomic Excellence: Prioritizing user comfort and well-being, our Premium Workstation adheres to the highest ergonomic standards. At Welltuch Furniture, we understand the critical need for premium solutions in modern workplaces. Our Premium Series T-Shaped Open Office Workstation goes beyond being just a workstation; it offers an experience. It's thoughtfully designed to transform your workspace, fostering an environment of efficiency, creativity, and inspiration. Whether you're envisioning a dynamic workspace for contemporary teams, fostering innovation, or creating a flexible office layout, the Premium Series T-Shaped Open Office Workstation by Welltuch Furniture offers the ultimate solution. Explore our catalog and step into a new era of office design, where premium quality and aesthetics seamlessly merge in your open office environment.

https://welltuchfurniture.com/product/modular-office-furniture/modular-office-workstations/open-office-workstations-premium-series/t-shaped-workstation/

Nobel Fire Systems creates huge interest at Data Centre World The 2015 Data Centre World expo held at ExCeL London has once again proved to be an outstanding success for Nobel. Following various fire related incidents across the world over recent years, it’s clear that the industry now recognises the ever present danger of fire breaking out within data centres and server rooms and the devastating consequences that can occur as a result of any fire not being brought under immediate control. Indeed, there are very few applications where the absolute reliability of operation of the fire suppression equipment is more business critical than in a data room. At this year’s expo, Nobel’s stand hosted a record number of visitors resulting in a high level of enquiries, all of which are now actively being followed up by the business. Commercial Director Ben Parker commented, “This is the fourth consecutive year that we’ve invested in exhibiting at Data Centre World and the enquiry level resulting from our participation reflects the fact that Nobel is acknowledged as a leading specialist in fire suppression and fire safety systems for this very demanding industry. Our ability to provide holistic solutions to meet every individual need is now recognised not just in the UK but right across the globe”. While the key objective is always to save lives and property, there’s no doubting that innovative fire protection can now do a whole lot more. Today, Nobel’s fire suppression systems expertly combine science and economics and at the same time match those qualities to total effectiveness and reliability.

https://nobel-fire-systems.com/news/nobel-fire-systems-creates-huge-interest-at-data-centre-world/

Digital Solutions from HDI Global SE provides insurance for the pacemakers of technological progress Authored by HDI Global From remote-controlled construction machinery in crisis areas to converting normal vehicles for autonomous driving, companies such as Gravis Robotics or Embotech are advancing social and technological progress with innovative digital business models. With the insurance solutions of its Digital Solutions division, industrial insurer HDI Global acts as a partner and enabler to companies worldwide that are driving forward the digital transformation by minimising and assuming the associated risks. HDI can call on more than 120 years of experience in industrial insurance to demonstrate extensive expertise in protecting companies against complex risks. As digitisation continues, manufacturing companies worldwide are in flux. More digitally designed business models are emerging, and established players are changing their business models to keep pace with digital developments such as artificial intelligence or robotics. Companies face unprecedented risks due to the transformations brought about by new technologies. This is where HDI Global's Digital Solutions unit comes in. It specialises in insurance solutions for partners in autonomous vehicles and systems, micromobility and online digital technology. Meryem Seyyar (pictured), Head of HDI Digital Solutions, explains: “In most cases, there are still no insurance solutions for the specific needs and novel risks of these innovation drivers. To address this, we develop tailored new insurance concepts.” In this way, HDI Digital Solutions helps its partners gain the trust of their customers and investors in their novel products and services and reduce their financial risk. “We see ourselves as a partner to our customers. As such, especially in times of accelerated market transformation, we support them in developing their business from the beginning and across all value chain steps,” Seyyar said. HDI Global is active worldwide as part of the Talanx Group. This means that the insurance solutions for customers from the digital sector can be easily scaled for other regions and adapted to local market regulations. New partners in robotics and autonomous driving The latest cooperation partners of the Digital Solutions unit include two spin-off companies that started at ETH Zurich, which stands for excellent framework conditions for academic research. Their graduates are in demand worldwide as specialists and managers. Gravis Robotics AG develops teleoperation tools that can be used to control construction machinery where human judgment is indispensable, but using a driver on site would be associated with high risks. With supporting functions such as autonomous manoeuvres, self-stabilisation and augmented reality, the vehicles can be controlled to the same level of proficiency as if a human were at the wheel. Embotech AG, as a solution provider for autonomous driving systems, has already established itself as an SME. The company's embeddable decision software is used in the automated driving of passenger cars and commercial vehicles and industrial robotics. It solves complex optimisation problems in milliseconds, enabling autonomous systems to make better safety, productivity, and energy efficiency decisions. HDI Global's Digital Solutions unit provides insurance for the liability risks of these technologies – enabling technological advancements in high-risk areas. “We are very pleased to insure cutting-edge progress once again through our collaborations with Gravis Robotics and Embotech. Together with them, we will gain valuable insights regarding the insurance of innovative technologies and further develop our products to benefit the entire insured community,” explains Meryem Seyyar. “As insurers, we see ourselves as having a social responsibility. Technological progress is never without risk. HDI Global helps companies shoulder this risk and thus contributes to making entrepreneurial visions for a better world a reality.” To learn more about HDI Global Digital Solutions CLICK HERE About HDI Global SE Companies from the trading, production and service industries need an insurance partner they can rely on. As part of the Talanx Group, HDI Global SE has been one of the leading insurers offering a broad and needs-based range of insurance solutions and accompanying services for decades. HDI operates through foreign branches, subsidiaries and affiliates as well as network partners in more than 150 countries, offering international industrial insurance programmes.

https://youtalk-insurance.com/news/hdi-global-se/digital-solutions-from-hdi-global-se-provides-insurance-for-the-pacemakers-of

Globally renowned Swedish nozzle manufacturer, Unifire AB, has announced that it has newly hired a highly accomplished and experienced Sales Manager, Mr Fatos Krasniqi, to head up, expand and improve the company’s handheld nozzle division. Since 1969, Unifire has been a respected manufacturer of high quality professional nozzles for firefighting and industrial applications. Mr Krasniqi had previously been a key Unifire nozzles salesman and, in 2005, he joined Wilhelmsen, a global maritime industry group. While at Wilhelmsen, Mr Krasniqi worked closely with Wilhelmsen’s customers, including shipyards, cruise ships and general industry. Unifire is pleased to have Mr. Krasniqi rejoin Unifire after his ten years of interim technical sales experience at Wilhelmsen. Mr. Krasniqi’s prior experience with Unifire, and intervening years in sales at Wilhelmsen, uniquely qualify him to further develop Unifire’s nozzle business and bring about a new level of customer service and satisfaction to Unifire’s customers, both dealers and end-users alike. For any questions or nozzle inquiries, contact Mr. Krasniqi at [email protected] or by telephone at +46 303 248 401, or via Unifire’s new web site devoted to its hand held nozzle division at UnifireNozzles.com. Unifire is pleased to welcome Mr Krasniqi back to Unifire!

https://unifirenozzles.com/unifire-news/new-sales-manager/

Lorenzo Lamas announces the School’s Out Chopper Show Do You Have Proper Insurance Coverage? Honoring Our Veterans on Memorial Day 2022 Motorcycle Accident Scene Management Courses War Dogs Kentucky Tornado Caravan 2021 Hey Marc! I was in a Motorcycle Accident With an Uninsured Motorist. Now What? Hey Marc! Can You Help a Motorcycle Accident Victim When the Motorist Didn’t Have Insurance? Chicagoland Toys for Tots 2021 Parade Honoring Our Heros Winner: Victor Flores Steven Pinsler Testimonial Accident Scene Management | Wild Fire Harley, Chicago Guinness World Record Poker Run, Sturgis 2021 Accident Scene Management | Strat’s Diner, Chicago Doug Jackson, Woodstock Harley Davidson Interview LFP Episode: Shuman Legal Motorcycle Safety Lawyers ® A division of Shuman Legal ® 105 West Adams Street #2800 Chicago, Il 60603 Serving the Midwest and Eastern US 11869 Albissola Ave. Las Vegas, NV 89138 Serving the Western US | Send Us An Email © 2024 | All Rights Reserved Your case details have been submitted securely and privately! Our team of personal injury lawyers has received your case details and will be reviewing it within one business day and will contact you by both phone and email. In the meantime, we have a whole library of helpful free videos, e-books, blog posts and FAQs to help you further Close And Go to Helpful Resources Close This Window And Go to Helpful Resources

https://motorcyclesafetylawyers.com/videos/

Pacific Gas & Electric (PG&E) announced that it has reached an $11 billion settlement with insurance firms on claims arising from the disastrous 2017 fire in northern California and 2018 Camp Fire. The company’s statement on Friday stated that there is an arrangement “in principle with entities representing approximately 85 percent of insurance subrogation claims for an $11 billion settlement to settle all such claims.” In June, the utility paid $1 billion in damages to local governments for blazes related to its power lines, poles and other equipment. Most of the resources are linked to last year’s Camp Fire in Northern California, which killed 85 individuals and destroyed thousands of homes. The hardest-hit town of Paradise, left in charred ruins, is going to get $270 million to settle wildfire allegations. Payments are subject to bankruptcy court confirmation since the utility giant filed for bankruptcy protection in January after coming under the pressure of billions of dollars in wildfire allegations. The company has said it’s “probable” its equipment started the 2018 Camp Fire, California’s deadliest and most destructive when a power line touched nearby trees. By April, it had cited at least $7 billion in claims from that wildfire. In May, Cal Fire released a final determination that PG&E power lines did cause the Camp Fire. “Today’s settlement is another step in doing what’s right for the communities, businesses, and individuals affected by the devastating wildfires,” said Bill Johnson, CEO, and president of PG&E Corporation. “As we work to resolve the remaining claims of those who’ve suffered, we are also focused on safely and reliably delivering energy to our customers, improving our systems and infrastructure, and continuing to support California’s clean energy goals. We are committed to becoming the utility our customers deserve.” Resource provided by cnn.com

https://potterhandy.com/pge-settles-with-insurance-companies-paying-11-billion-in-california-wildfires/

While 2013 was a busy year in the airline industry, 2014 is expected to be a bit smaller. However, there are some major updates expected as new airplanes are built, old airplanes are reconfigured for more passengers (read: smaller seats), and flight attendants are becoming more connected through technology. Read more. Country: United States Published Date: 2014-01-02 Travel smarter with travel insurance from RoamRight. Get your free, no-obligation quote online today. View all Blog Authors View Countries with Blogs Sign up for RoamRight's FREE monthly email newsletter to get travel tips, tricks, news, ideas, and inspiration! The RoamRight mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series, including LTP 2013 and amendments thereto. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. In the event of any conflict between your policy terms and coverage descriptions on this website, the terms and conditions of your policy shall govern. Click here for privacy notice. Copyright© 2024 Arch Insurance Company. All rights reserved.

https://www.roamright.com/travel-tips-and-news/travel-news/2014-air-travel-predictions/

How does an organization assess the value of a FAIR-based quantitative cyber risk management program? In this short video, RiskLens Regional Sales Director Joe Vinck covers #5 of the 5 P’s, the phases of a successful launch of a FAIR quantitative program—Performance – and describes how RiskLens sets up customers to meet their performance goals. The 5 P’s to Start Quantitative Risk Management As Joe explains, a quantitative risk management program should meet two objectives: Short term: Deliver business value to the organization quickly. “It’s critical to getting people bought in to this new concept.” Long term: For many organizations, that’s gaining a wider advantage from their investment in RiskLens. “FAIR and RiskLens can absolutely be leveraged in domains outside of cyber and IT risk,” Joe says. Watch the video to learn how RiskLens built into the project plan for one client an evolution from cyber to operational and enterprise risk management to “bring the same element of business value into other types of risk that were hugely important to the organization.” Check out these RiskLens packages for establishing risk-based programs with FAIR: The Enterprise SaaS subscription to the RiskLens platform supports fast, risk-informed decisions at any level of the enterprise, from planning a new digital initiative down to day-to-day audit findings. RiskLens Pro is an easy and affordable managed service that helps organizations quickly define, assess, and communicate cyber risks in financial terms, with no in-house expertise or significant time commitment necessary. *** This is a Security Bloggers Network syndicated blog from RiskLens Resources authored by Jeff B. Copeland. Read the original post at: https://www.risklens.com/resource-center/blog/video-5-ps-start-quantitative-risk-management-performance

https://securityboulevard.com/2022/09/video-5-ps-to-start-quantitative-risk-management-no-5-performance/

ACE enhances award-winning web portal for captive clients Bermuda-based re/insurer ACE has enhanced its web-based information portal, ACE Worldview. It will now provide clients and brokers with claims information for their multinational insurance programmes with ACE. The capabilities are available free to all ACE multinational clients and their brokers. The press release explained that “with the latest enhancement, claims financial information will initially be available for clients who finance risk with their own captive insurance companies and will be expanded to include other multinational insurance programmes over the next year. This information will include aggregate and individual claim data, such as paid losses, expenses and reserves.” Brokers will also be able to receive immediate and direct access to Worldview without needing to consult with clients. Worldview is already used by more than 2,000 clients and brokers worldwide. Commenting on the development, Tim Benson, senior vice president of ACE’s multinational client group said: “Providing claims information through Worldview is the most significant milestone since the portal’s launch nearly three years ago.” “Together with Worldview’s existing features, including access to policy documents issued around the world, as well as status, activity and billing information for each program, clients will have the key tools they need to monitor, measure and report information on their global insurance programs with ACE.”

https://www.captiveinternational.com/services/claims-management/ace-enhances-award-winning-web-portal-for-captive-clients

Don’t Forget the Pipes! Why Insurtech Infrastructure Is Poised to Be Huge! Insurtech has been hot—with Alignment Health and HIPPO predicted to go public in the coming months, at least seven venture-backed insurers will have gone public since the second half of 2020. In an industry long dominated by stodgy incumbents, this rush of new blood has been invigorating. However, at the same time, many questions remain about these companies’ business models and long-term viability. Within the five marquee insurance IPOs—Clover (NASDAQ: CLOV), Root Inc. (NASDAQ: ROOT), Lemonade Inc. (NYSE: LMND), Metromile (NASDAQ: MILE), and Oscar Health (NYSE: OSCR)—only Lemonade and Metromile are currently trading above their IPO price. While these full-stack insurance companies have attracted venture capital and mind-share, key-enabling technologies in the industry are poised to explode over the next couple of years. We’ve divided the Insurtech industry into two buckets, disrupters and enablers. Disruptors are full-stack companies such as Lemonade that are competing directly with incumbent carriers like Geico. Enablers are the critical pieces of software and infrastructure that power the industry, from pricing risk to billing. These enablers include Verisk ($30B market cap) for property risk analytics, Guidewire ($9B) for pricing property and casualty insurance, and Vertafore and Applied, which are AMS (Agency management Systems) that allow brokers to manage their client base. These incumbents have long benefited from powerful data network effects and brand recognition. However, the following factors are driving the rapid adoption of the next generation of enabling technologies (mapped below): - Pressure from disruptors: As new carriers like Root grow, raise mountains of capital, and create exciting consumer brands, incumbent insurers feel new competitive pressures. After all, Geico, State Farm, and Allstate were all founded in the 1920s and 1930s! The encroachment of upstarts onto their profitable business models creates pressure for adopting new technologies in ways that were not as acute in the past. - Proliferation and digitization of data: Previously, industry data was siloed and often proprietary to a specific carrier. Real-estate data often sat in PDFs, health data in bespoke on-premise EMRs, and cyber-policies behind a firewall. As software proliferates in these industries and consumer data explodes, there are more signals for more intelligent infrastructure to leverage. - The complexity of benefits and policies: In the benefits space, brokers have successfully sold core medical, vision, and dental insurance for decades. However, today, as companies layer on telemedicine, mental health, and other benefits, the existing workflows with pen and paper increasingly break down. Collaboration software like Threeflow becomes necessary to deliver a cohesive experience between brokers, carriers, and clients. Similarly, the pandemic has revealed how many cascading risks exist in the insurance ecosystem, and insurers will need to sharpen their pencils to tailor future policies better. - Growth in risks: The world is a scary place. Whether it’s catastrophic climate disasters or cyber breaches, there are more critical risks these days to insure. The growing number and complexity of risks demand modern tools with more diverse data sets to give insurers a fighting chance against the next generation of disasters. While these forces will create disruptive technologies that may take share from incumbents, we will also see the rise of enabling technologies in growing verticals, such as CyberCube in the cyber insurance space. Enablers will benefit by providing critical services for both new disruptors and incumbents who are racing to invest for the future. At Menlo Ventures, we’ve already made multiple investments in the sector, including Sure, Hover, Insurdata, Indio, and Qualia, and look forward to doubling down with visionary founders building in the space—if that describes you, please reach out!

https://menlovc.com/perspective/dont-forget-the-pipes-why-insurtech-infrastructure-is-poised-to-be-huge/

Steel City Re CEO and former Los Angeles County deputy coroner on what derailed the ESG movement & what boards expect from risk management in the aftermath. Captives for a Challenging Market. Mitigating risk strategically through expectation management and operational adjustments evinces thoughtful management and dutiful governance. Financing such risks evinces prudence, and doing so publicly with insurance captives and reinsurance enables stakeholders to appreciate and value the effort. These comprise the core of Steel City Re’s professional services Carnell and Nir are two of the three speakers who will be delivering the general session titled, “Mitigating the Hazards of ESG-Linked Enterprise Risk,” at the RIMS ERM Conference on November 11th at 11:30 am. This session will explore the value proposition of how to manage ERM to mitigate ESG-linked reputation risk strategically. It will focus on the cultural aspects of rounding up the collaborators from legal and communications and risk insurance. Two of every 3 directors prefer value-creation through an ESG-linked reputation strategy. Well underwritten parametric reputation insurance. Parametric triggers for insurance can be anything quantifiable. In the case of my firm, Steel City Re, we use parametric measures of reputational value in our Tokio Marine Kiln policies. Parametric policies provide for ease of underwriting, facilitate claims adjustment, and enable coverage to insure complex risks including reputation and environmental, social, and corporate governance (ESG) factors-linked reputation loss. Captive Insurance Can Be a Value Center Captives enable risk professionals to play a tangible and demonstrable role in enhancing corporate profitability. It also allows them to control management and decision-making with respect to claims – a key function that is often overlooked […] Perhaps most importantly, it provides captive managers witha simple, clear, and … Managing corporate reputation is a lot like mixing a cocktail. Both activities embody the same mission-critical principles: authenticated thoughtful risk management and dutiful governance over everything that is mission critical. Everything in the process is #strategic. At the tactical level, the process begins by understanding what stakeholders expect; and understanding that an effective risk management system comprises risk education and threat intelligence, management, and transfer processes (aka insurance) involving the entire enterprise risk management apparatus bounded by the organizations capabilities. Reputation is Mission-Critical A management program for ethics and compliance can forestall prosecution and mitigate fines. Similarly, oversight of “mission- critical” issues can forestall securities litigation. A program for reputation resilience, comprising both risk management and insurance (reinsurance)-authenticated oversight for all that is mission-critical, can create value in many ways. To this end, Steel City … - Capital Costs - Case Studies - Commercial Services - Communications (Corp) & Media - Consumer Goods & Services - Energy & Mining - ESG/Social Responsibility - Industrials & Technology - Parametric ESG insurance - Parametric Reputation Insurance - Personal Cost - Video Commentary - White Paper

https://steelcityre.com/tag/captives/

New York, NY and Culver City, CA – July 14th, 2022 – For over 50 years, Total Financial has been the home for producers who dominate their marketplace. As one of the nation’s leading experts in designing, underwriting, and placing large, complicated cases, having access to powerful technology tools is imperative to deliver outstanding outcomes for their agents and their valued clients. The partnership with DigitalOwl, utilizing state-of-the-art technology to produce a Digital Underwriting Abstract to streamline the underwriting process, is yet another step to keep them on the cutting edge of the brokerage world. DigitalOwl’s technology produces a Digital Underwriting Abstract of a customer’s medical record in the form of a comprehensive, interactive document in hours versus days. The solution reduces extensive and lengthy medical records to a succinct handful of pages. This empowers underwriters to spend their time on risk selection versus paging through multiple pages of often redundant records. “DigitalOwl’s Digital Underwriting Abstract provides an industry-leading and forward-thinking approach which complements our concierge underwriting services, providing the detail and high-quality analysis Total Financial strives to provide to our clients. The companies we represent, several of whom we lead every year, value our input and consult with us to keep them on the cutting edge of the brokerage world. Our access to powerful technology tools, unmatched underwriting, and access to industry experts is unparalleled in the brokerage community,” said Diana Greenberg, President and CEO of Total Financial. DigitalOwl recently introduced V3, which has improved customization for Underwriting by highlighting preferred risk factors and providing detailed analysis for all the data required to underwrite key impairments. “Total Financial quickly embraced the DigitalOwl Digital Underwriting Abstract because they recognized how our product could streamline their review by providing a comprehensive yet concise view of significant medical conditions. This, in turn, only enhances Total Financial’s relationship with the agents they support and their partner carriers. It’s a win-win for everyone,” said DigitalOwl’s VP of Life Insurance Jennifer “JR” Richards. DigitalOwl offers an innovative technology solution for analyzing and summarizing medical records for the insurance industry. The company has introduced the first and only machine learning platform that interprets medical records and assists underwriters and claim adjusters in their work. A deep understanding of the medical text creates a focused set of medical data points in a robust, meaningfully summarized format. Data is arranged chronologically, allowing the user to search and filter the information by medical condition, date, body system, and more. The complete history is contained within a few pages rather than hundreds, allowing clients to speed up their medical records review process and free up their talented resources to focus more time on critical activities. For more information about DigitalOwl, visit www.digitalowl.com About Total Financial Total Financial has been a leading Brokerage General Agency and a primary independent resource for producers for over 40 years. They are one of the Nation's leading experts in developing and underwriting life insurance for wealthy individuals and businesses. The companies they represent, several of whom they lead every year, value their input and consult with them to keep them on the cutting edge of the brokerage world. Total Financial is now a partner of LIBRA, one of the largest Independent Marketing Organizations in our Industry, which provides them access to exclusive services with many of their carriers. Not only do they handle all servicing for our agent's policies, but they also offer unique sales ideas. They specialize in markets such as Foreign National coverage, Premium Financing plans, Long Term Care benefits, Unique Leveraged Executive Bonus plans, and COLI. For more information about Total Financial, visit www.totalfinancial.com.

https://www.digitalowl.com/post/total-financial-partners-with-digitalowl-to-stay-on-the-cutting-edge-of-innovation-and-underwriting

A strong earthquake with a magnitude of 6.4 hit Nepal on Friday night. It caused powerful shaking in northern India, including areas like Delhi-NCR, Bihar, Uttar Pradesh, and Madhya Pradesh. The earthquake occurred at 11:32 pm and was located about 10 kilometers below the Earth’s surface, as reported by the National Centre for Seismology (NCS). Officials at the National Earthquake Measurement Centre revealed that the earthquake’s epicenter was in the Lamidanda area of Nepal’s Jajarkot district. This earthquake is part of a series of recent earthquakes affecting the Delhi-NCR region. Just a few days ago, on October 22, a magnitude 6.1 earthquake struck Nepal, with its epicenter in Dhading. The tremors were felt in Delhi-NCR as well. On October 15, a 3.1 magnitude earthquake in Haryana sent tremors across Delhi-NCR. Prior to that, on October 3, multiple earthquakes in Nepal, the strongest measuring 6.2 on the Richter scale, caused strong shaking in northern India, including Delhi and its surroundings. Seismologist Ajay Paul, who formerly worked at the Wadia Institute of Himalayan Geology, noted that the recent earthquake in Nepal happened in an area close to the site of the October 3 quakes. He identified this region as an ‘active energy releasing sector’ in central Nepal. He advised people to stay vigilant and be prepared for potential earthquakes in the future.

https://www.teqts.com/category/asia-pacific-countries/india/page/2/

Several local and foreign firms invested in the round which was co-led by P1 Ventures, GFC, and Anim Fund (Founders Fund scout fund). While Costanoa VC, Liquid2 Ventures, Cliff Angels, and other angel investors participated. Founded in 2020 by Omar Ezz El-Din, Shady El Tohfa, and Adham Nauman, Amenli aims to provide Egypt’s 50 million adults in the middle-income pool with instant insurance quotations and policies. The Egyptian insurance market is valued at $2 billion and Amenli seeks to address this large untapped market. Africa’s insurance penetration rate is at 3 to 5 per cent with South Africa having the greatest number of insured. The insurance industry remains conservative and the least disrupted by technology. Notable insurance startups that have raised funding are Ctrl, Naked, Lami Technologies, among others. Speaking to TechCrunch, CTO Nauman describes Amenli’s partnership with consumers as a way of making insurance companies strike partnerships that provide consumers with instant quotations and different policies. Prior to Amenli, El Tohfa and Nouman founded the fintech Paymob. Their interest in the insurance industry arose from continuous research and interest. The new funding will be used to expand Amenli’s team, scale rapidly and acquire more customers in a market expected to grow at CAGR of 7 per cent per annum within the next five years.

https://theouut.com/egyptian-insurtech-startup-amenli-closes-2-3-million-seed-round/

SandCastle Lessons – Beach Sand Sculptures Receive TripAdvisor Award Because of YOU, our SAND-sational clients, consistently writing 5-Star Reviews, we have again been honored with Tripadvisor’s highest ranking; the Traveler’s Choice Award. The Travelers’ Choice awards honor travelers’ favorite destinations, hotels, restaurants, things to do, and beyond, based on the reviews and opinions collected from travelers and diners around the world on Tripadvisor over a 12-month period. Tripadvisor’s awards fall into two levels: Best of the Best and Travelers’ Choice. Travelers’ Choice Best of the Best is our highest honor. The award takes into account the quality and quantity of traveler reviews and ratings, and ranks the very best accommodations, destinations, beaches, attractions, restaurants, airlines, and experiences in specific categories and geographic areas, as rated and reviewed by travelers. Travelers’ Choice Best of the Best award winners are among the top 1% of listings on Tripadvisor. Travelers’ Choice recognizes businesses that earn consistently great reviews. Travelers’ Choice award-winners are among the top 10% of listings on Tripadvisor. Tripadvisor Travelers’ Choice honors select accommodations, attractions and restaurants that consistently demonstrate a commitment to hospitality excellence. We would like to SAND-cerely thank everyone of our clients for supporting and encouraging us with your amazing 5-Star reviews – year after year! WE LOVE YOU! ~Your SandCastle Coaches @ Beach Sand Sculptures

https://beachsandsculptures.com/the-sand-blog/sandcastle-lessons-beach-sand-sculptures-receive-tripadvisor-award/

Account Services Group Now Offers Progressive Insurance Account Services Group is proud to announce that they have been selected to represent Progressive Insurance. Account Services Group has been authorized to directly offer full lines of commercial and individual insurance products. Progressive's wide variety of personal lines insurance options include Auto, Recreational or Off-Road Vehicle, as well as Boat and Personal Watercraft. Progressive Insurance also selected Account Services Group to offer its economical Commercial Auto and Property Insurance. Fran Flood named Ambassador of the Month Ridgeland, MS, January 10, 2012 — Fran Flood of Account Services Group has achieved the designation of Ambassador of the Month for November and December 2011 from the Greater Jackson Chamber Partnership. The Ambassador of the Month is presented to a chamber member who best involves themselves in activities and events which grow the Greater Jackson Chamber Partnership. Fran Flood Inducted into the Madison-Ridgeland Rotary Club Fran Flood is vice president of Account Services Group, where she has worked since 2001. She specializes in the administration of health, life, and dental insurance plans for individuals and groups. She is a Mississippi licensed insurance agent for most insurance carries operating in the state. In addition to being an Ambassador with the Greater Jackson Chamber Partnership, Fran is also a Chamber member of Flowood, Rankin County, Madison City, and Madison County. She is a member of the Madison/Ridgeland Rotary, the Professional Women’s Association, the Jackson Association of Health Underwriters, and the Madison County Women’s Council. Fran also attained Diplomat of the Month for October 2011 from the Chamber of Flowood. Fran resides in Madison with her husband, Ralph Flood. They enjoy taking trips on the weekends, especially to watch New Orleans Saints games. The couple has five children and six grandchildren. Ridgeland, MS, April 26, 2011 — Fran Flood, Vice President of Account Services Group, Inc., was inducted into the Madison-Ridgeland Rotary Club on April 14, 2011, by Rotary President Chris Blount. An employee since August 2001, Fran specializes in the administration of health and life insurance plans for individuals and groups. She is a Mississippi licensed insurance agent for Blue Cross/Blue Shield as well as most insurance carriers operating in the state. Extremely service-oriented, Fran believes in the power of personalized service and goes above and beyond the call to make sure our customers' employees enjoy optimum coverage at the best rates possible. She is on the Board of Directors of the Jackson Association of Health Underwriters, an ambassador for The Greater Jackson Chamber Partnership, and a member of the Madison County Chamber of Commerce and the Rankin County Chamber of Commerce. Congratulations Fran!

https://www.accountservicesgroup.com/content/press_releases.aspx