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    FIGHTING THE RISK CULTURE “CREEP”: IS YOUR CLIENT’S ERM BECOMING A TRM?

FIGHTING THE RISK CULTURE “CREEP”: IS YOUR CLIENT’S ERM BECOMING A TRM?

Risk Managers’ Forum By Kyle Drawdy, CIC, ARM FIGHTING THE RISK CULTURE “CREEP”: IS YOUR CLIENT’S ERM BECOMING A TRM? Actions to take if your client’s ERM is trending back toward traditional viewpoints Enterprise risk management (ERM) is a buzzword/concept that has become popular over the last 10 to 15 years and is generally considered to be the most effective way to manage risk. Organizations of all sizes have used

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    IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND?

IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND?

Dig a Little Deeper By Bruce Hicks, CPCU, CLU IF LIMITS ARE EXHAUSTED, MUST INSURER STILL DEFEND? Know whether your client’s defense costs are inside or outside policy limits The Court Decisions column is one of the most popular features of Rough Notes magazine. One reason is that the courtroom is where the promises made in an insurance contract often become real. All insurance professionals can develop “what if” scenarios,

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    DEMYSTIFYING WORKERS COMP

DEMYSTIFYING WORKERS COMP

DEMYSTIFYING WORKERS COMP For agents who understand the coverage, it can be a great entrée to writing the total account— and saving clients substantial money By Elisabeth Boone, CPCU Complex, confusing, challenging … and absolutely essential for employers. We’re talking about workers compensation insurance, a vital necessity that most agents sell and most clients buy without having more than a vague idea of how the coverage works—let alone how to

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    ORDINANCE OR LAW COVERAGE

ORDINANCE OR LAW COVERAGE

Mind the Gap By Marc McNulty, CIC, CRM ORDINANCE OR LAW COVERAGE You need to be able to explain—and sell—this important protection Ordinance or law. We’ve all heard of the coverage, but how many of us actually know how it works? As the name suggests, it has something to do with regulations and building codes … but can you explain it to a client? More important, can you explain it

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    COMMERCIAL LINES PREMIUM LEAKAGE: PLUGGING HOLES WITH BETTER DATA

COMMERCIAL LINES PREMIUM LEAKAGE: PLUGGING HOLES WITH BETTER DATA

ISO Emerging Issues Perspective By Rick Stoll and Diane Injic COMMERCIAL LINES PREMIUM LEAKAGE: PLUGGING HOLES WITH BETTER DATA Agents can be gatekeepers From tiny acorns big oaks can grow. Errors tend to work in the same way. Inaccuracies in rating due to incomplete or faulty information drawn from policyholders can lead to missing premiums and unexpected claims. Two real-world examples shed light on how leaks can begin undetected—and then

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