Articles of Interest

So You Think You Have Replacement Cost?

By: Mike Quirk

When a disaster – big or small hits –  you want to know you have confidence that the amount of
coverage you have will pay what you expect to be paid…. [Download]

Vacation or Second Homes and Freezing Pipes

By: Kenny Cassidy
With the cold weather now upon us, we run the risk of frozen water pipes. Frozen pipes are second only to hurricanes in terms of the number of homes damaged each year. It is easy to be diligent in our primary home. We usually…[Download]

 Ernest Maier, Employee Saves Co-Worker with CPR

By: Kenny Cassidy
On March 26, 2015 EMCO employee Avery Garber was following his manager, Brian Manuel, in a company pickup truck. Brian Manuel was also driving a company truck. They were both traveling southbound on I 270 just past the Old Georgetown Road exit. Suddenly Mr. Manuel looked in his rear view mirror and noticed Mr. Gerber shaking with his arms…[Download]

 Beware of the Water

By: Chris Warren MBA, CBIA, CRIS
Scenario: you just landed a large project to provide the wiring and lighting for a new marina building. There is no call for any wiring or lighting on the docks. Given that the wiring is all within the building and no over the water exposure exists, you assume there is no need for USL&H coverage. Think again… [Download]

Did YOU Know? – Buy/Sell Agreements

By: Paul Phelan, CFP
Every few weeks I am asked to review an existing Buy/Sell agreement and the partners want to know if they have enough life insurance. My response is usually something like, “Probably, but are you protected if something other than death happens to you or your partners?” For reasons unknown to me over the course of my career in insurance and specifically in Executive Benefits, Buy/Sell conversations always revolve around life insurance. That has always struck me as strange because odds are their Buy/Sell agreement will be invoked due to a disability, not death. [Download]

Did YOU Know? – Duty of Care

By: Jeffrey Y. Schilling
Evacuation coverage is something you may chose to provide, however; regulations are developing in many countries that may require you to provide it. The body of regulations developing internationally is called the “Duty of Care,” and it is intended to define the responsibilities employers owe to employees traveling overseas on their behalf. [Download]

Safety Equipment Purchasing … Selecting the Right Vendor

All businesses devote resources to selecting and communicating with their suppliers for the materials that directly impact their delivery of an end product or service.  The supplier representatives become partners in the effort to keep your company competitive.  It is likely that you know your sales people by name, face, phone number, and the vehicle they drive. [Download]

E-Verify Compliance

By: Jeffrey D. Kawamoto
E-Verify is an internet-based system that allows an employer, using information reported on an employee’s Form I-9, Employment Eligibility Verification, to determine the eligibility of that employee to work in the United States. The E-Verify system is operated by the Department of Homeland Security in partnership with the Social Security Administration. [Download]


By: Jim Smith
The practice of risk management has identified four basic methods of dealing with the risks of accidental loss faced by a business firm:
1.) Avoiding them
2.) Reducing them through control measures such as safety training
3.) Transferring them to others by contract or through the purchase of insurance
4.) Retaining them up to some point


OSHA Incident Rates

The time is now upon most employers to prepare and post the OSHA Form 300A Summary of Work-Related Injuries and Illnesses. This is also a good time to review the related statistics that are often requested during pre-bid qualifications. As these statistics do not change once the logs are completed for the year, it is helpful to perform the calculations once and then distribute the information to project managers and estimators within your company. [Download]

A Major Change In Revenue Recognition for Contractors?

By: David Summerall
It could happen…. In an effort to standardize and simplify revenue recognition on contracts internationally, the International Accounting Standards Board (IASB) and the U.S. Financial Accounting Standards Board (FASB), issued a discussion paper that could, in fact, make it much more complex. [Download]

State of the Market Letter 2010 – Property & Casualty

By: Tim SchillingLynne Cook, Dave Dixon
In my last state of the market letter I had indicated that the Property & Casualty insurance industry was settling into what is called a “soft market” whereby rates decline, underwriting guidelines loosen and insurance carriers begin writing almost anything they can get their hands on.  Well, the market has certainly settled into the soft mode, and rates continue to fall, underwriting guidelines are loosening and carriers are certainly writing almost anything they can get their hands on. [Download]


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