State of the Property and Casualty Market - 1st Half 2013

In the present environment, single digit increases tend to be the norm for coverage such as property, general liability, and auto. Workers' compensation continues to be a problematic line of coverage with double digit rate increases common. In addition, insureds with coastal exposures, specialty coverage needs, poor loss history, and limited loss control strategies can expect greater price increases and reduced market access.

Additional Features
• Risk Management
• Employee Benefits

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  State of the Property and Casualty Market - 2nd Half 2012

  In our first half report we noted that property and casualty insurers were aggressively seeking price increases at renewal while at the same time tightening underwriting requirements. It was noted that national insurers were more aggressive than region...Read More  »

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  Crude or Rude Awakening?

  The history of oil and gas exploration in the United States, specifically in the Ohio and Ohio Valley region, goes back almost two hundred years. The discovery of oil was made by mistake at first, while decades later it became an emerging industry. I...Read More  »

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  State of the Property and Casualty Market – 1st Half 2012

  Property and casualty insurance is historically marked by long periods of declining prices followed by short and often dramatic upward spikes. Purchasers of coverage are often blindsided by what appears to be a sudden turn of events. Long periods of ...Read More  »

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  Risk Control Bulletin - The ABC's of Information Risk

  The complexity of information systems in today’s business world – even for relatively small businesses – is mind boggling. The risks to the data handled by these systems are equally complex. Read More  »

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  Product Recall Information

  Although product recall insurance has been available for many years, the insurance carriers that provided this protection were aimed at large Fortune 500 companies that can afford both very large premiums and large deductibles for the many products the...Read More  »

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  Protection for Directors and Officers of Private Companies

  Directors and officers of both public and private companies may be personally liable for the decisions that they make on behalf of their companies. Directors and officers can also be liable for the decisions that their corporate executives make on thei...Read More  »

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  Cyber Protection / Cyber Security Liability

  The dawn of the internet provided many new avenues for doing business, and the protection of computer data has become a main concern in today’s working environment. Read More  »

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  Building Employee Loyalty through Voluntary Benefits

  Demographics are having a major impact as to how employers are approaching benefits. Today, the workforce of a company may include as many as four generations. Within each generation are unique financial needs that make a traditional one-size-fits-al...Read More  »

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  Reconnect With Your Employees...Voluntarily

  During the recession and slow economic recovery, employers are asking employees to “do more with less” and, although this might result in gains in employee productivity, it may come at a greater cost....employee loyalty.Read More  »