Please set up your API key!

The Rough Notes Company Inc.

Commercial Lines

    THE RISK OF DISTRACTED DRIVERS

THE RISK OF DISTRACTED DRIVERS

Risk Management Help your clients establish safe practices for their drivers According to the Centers for Disease Control and Prevention, every day in this country an average of nine people are killed and more than 1,000 are injured in crashes that are reported to involve a distracted driver. When advising our clients, we need to make sure our own house is in order. We should have a distracted driving policy

Read Full Article
    UTILITY SERVICES AND EQUIPMENT BREAKDOWN COVERAGE

UTILITY SERVICES AND EQUIPMENT BREAKDOWN COVERAGE

Mind the Gap Understand property endorsements to better serve your clients It’s easy for new producers to become overwhelmed with all the property endorsements that are offered by insurance companies. Spoilage, peak season, additional debris removal, inflation guard, ordinance or law—the list goes on and on. Some of these endorsements are easy for a client or prospect to reject because they understand the coverage and believe that they don’t have

Read Full Article
    TO LOWER THE CLAIMS, LOWER THE LADDERS

TO LOWER THE CLAIMS, LOWER THE LADDERS

Risk Managers’ Forum Using alternative devices can decrease claims and claim severity It is no secret that, by working to help them improve loss experience, agents and brokers can deliver superior value to insureds. Better loss experience opens the door to more markets to choose from and more latitude in pricing and credit; and forms and endorsements are more negotiable, especially when tighter markets or more challenging risk factors are

Read Full Article
    NORMALIZATION OF DEVIANCE AND RISK MANAGEMENT

NORMALIZATION OF DEVIANCE AND RISK MANAGEMENT

Risk Management Culture and lack of discipline allow hazardous incidents to occur in the workplace every day I often wonder why some employers have excellent health and safety results, but others in the same industry, doing the same thing, do not. Why are some work comp experience mods 40% below average, while others are 40% above? It could be that their workplace is infected with something called normalization of deviance.

Read Full Article
    THINKING THE UNTHINKABLE—PREPARING FOR THE BLACK SWAN EVENT

THINKING THE UNTHINKABLE—PREPARING FOR THE BLACK SWAN EVENT

Risk Managers’ Forum In catastrophic situations, new options have to be considered continually; sticking to a plan that doesn’t fit the circumstances won’t work In the first century CE, black swans were believed not to exist. They lived in the popular imagination as a metaphor for something unknown—until a black swan was sighted in the late 1600s. This caused a sensation in Europe, where the “all swans are white” adage

Read Full Article
1 2 3 6
rn-subscribe-sidebar-cta_magazine rn-subscribe-sidebar-cta_blog

Trending Tweets