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The Rough Notes Company Inc.

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    COMMERCIAL UMBRELLA/EXCESS LIABILITY INSURANCE

COMMERCIAL UMBRELLA/EXCESS LIABILITY INSURANCE

Capacity will be tested by severe, complex claims Among the greatest benefits of modern life is to live in a world made safer by advanced technology. Almost every day, we hear of new uses for electronic sensors and monitors to prevent and mitigate traffic accidents, workplace mishaps, and damage and injury from household hazards. Insurers have certainly taken notice. “Major personal lines carriers are actively looking to use sensors in

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    THE LEAKY BUCKET

THE LEAKY BUCKET

Risk Management Are unexpected expenses causing leaks in your “profit” bucket? Business is like a bucket: income flows in, expenses go out, and everything remaining in the bucket is profit. Unfortunately, many business buckets are full of holes. As a result, too many firms are so busy filling their bucket that they never realize how much they are losing. Unaddressed risk can cause a huge hole in the business bucket.

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    BATTLING THE OPIOID CRISIS

BATTLING THE OPIOID CRISIS

Integrated Behavioral Health creates opioid abuse treatment program for workers comp claimants who become addicted to medication following an injury Who remembers the old Viagra commercial that started with “This is Bob,” followed by an upbeat whistling tune? If you do recall, please whistle that tune while reading this introduction. This is Bob. Bob works as a machine operator at a factory. One day Bob suffers a serious injury on

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    WORKERS COMP: WE MEAN BUSINESS

WORKERS COMP: WE MEAN BUSINESS

Prove the attorneys wrong—agencies and carriers are not the villains Unlike when we’re bombarded with political advertisements on TV during major election campaigning, it’s year-round that we see numerous commercials for law offices claiming that the insurance company is the “bad guy” and that they “mean business.” We have one firm in Indiana whose commercials show insurance adjusters planning their strategy; then it’s brought to their attention which firm is

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    CONSTRUCTION CLAIMS

CONSTRUCTION CLAIMS

A guide for those who don’t have time for YouTube videos Do you ever wonder what causes construction cranes to collapse? What about heavy equipment mishaps—how do they come about? If you have time—and if you’re easily distracted, allow lots of time—head to YouTube.com and search “crane accidents” or “heavy equipment accidents.” You’ll find compilations of the “10 Worst” or “Real Life” accidents—hundreds of videos, often 10 minutes or more

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