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INSIGHTS

Looking Ahead: Expert Insights on the 2019 Property & Casualty Market

Property and casualty coverage looks different today than this time last year. In the second annual issue of our P&C Looking Ahead Guide, we'll provide the timely information you need to stay atop industry updates and trends as we move into 2019.

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Disruption in the Property Market: What Years of Catastrophe Mean to You

The disruptions caused by catastrophe can have major impact on business capacity, rates, limits and sublimits, cyber perils, and deductibles. Learn the best strategies for minimizing the damage to your business.

Raiding SAIF Surplus: Not in Oregon’s Best Interest

Oregon's Governor and state legislature are exploring ways to reduce the deficit through two proposals, either of which could negatively impact businesses. Learn more about House Bill 3022 and the implications that will follow if the state decides to confiscate the loss reserves, otherwise known as "surplus," from SAIF.

Could You be Subject to DOT Regulations and Not Know It? (Part 2): Passengers and Payment Type

The FMCSA considers you an operator of a commercial motor vehicle when you operate a vehicle designed to transport more than eight passengers (including the driver) for compensation, or more than 15 passengers (including the driver) for compensation. This means that DOT regulations apply.

Annual OSHA Update: Changes to Electronic Reporting and More

Cal/OSHA announced on February 6 that an advisory committee will convene on May 9 to evaluate electronic submission rules in response to what it sees as a "substantial diminish[ment]" of the federal OSHA rule. The committee hopes to determine how to best "protect the goals" originally sought by the Improve Tracking of Workplace Injuries and Illnesses rule.

New California Rule on Restricted Stock Units Could Increase Your Workers’ Comp Premiums

Budgeting for workers' compensation premium can be challenging for fast-growing employers. If payroll increases significantly over the course of the particular policy term, the annual payroll and premium audit conducted post-expiration could result in a large additional premium bill. Grants of stock shares (otherwise known as Restricted Stock Units or RSUs) can contribute to unplanned increases in the payroll totals, which can create a significant additional cost in the final workers' compensation premium calculation.

Mitigating or Preventing Water Damage

Water’s capacity to inflict severe and costly damage looms large over all construction projects. Whether it’s caused by Mother Nature or human error, water damage presents a ubiquitous threat.… More

Celebration Season: Mitigating Risk at Your Company Parties

It’s that time of year for company parties and gatherings. Yet, for employers, the fun comes with a great amount of responsibility and worry.… More

How Arson Attacks Are Impacting The Habitational Insurance Market

It’s not just labor and materials costs that are rising! With the recent spate of arson attacks in the United States, insurance companies in the frame habitational space have been heavily impacted and are changing their appetite for these placements.… More

Cal/OSHA Issues Emergency Regulation for Electronic Reporting

On October 18, Cal/OSHA issued a notice of emergency regulation that would require certain employers to electronically submit their summary of recordable work-related injuries and illnesses covering calendar year 2017 to federal OSHA by December 31, 2018.

Distracted Driving: How to Reduce Your Risk on the Road with a Few Simple Steps

According to the CDC, nine people are killed and more than 1,000 injured each day due to distracted driving. Despite the startling data, the dangers can be diminished with some simple steps.

Telematics in Auto Liability: Keeping an Eye on your Fleet

The auto liability insurance marketplace has become challenging secondary to escalating claim settlements, the epidemic of distracted driving, and to some extent highly publicized crashes and sensational settlement costs.… More

Beware Opting Out Of Workers’ Compensation: Critical Information For Executives and Boards

In California, executive officers/owners and members of the board of directors of a wholly owned corporation have the option to waive their rights to workers’ compensation benefits if they have both an employee health benefits and disability policy “comparable” in scope to the California workers’ compensation policy effective July 1, 2018.… More