Woodruff-Sawyer Quarterly
TOP STORIES
Corporate & Executive Protection
- What to Expect in D&O Pricing Trends
- D&O IPO: Does Your Exit Have a Roadblock?
- Wage and Hour Common Mistakes
- The New Deal: Representations & Warranties Coverage

Employee Benefits
- CDHPs: The Cost of Doing Nothing
- EEOC Ruling on Age Discrimination in Employment Act

Construction & Real Estate
- Safety Toolbox: Your Online Safety Resource

International
- Avoiding the Next D&O Disaster: FCPA Prosecutions

Risk Management
- 2008 Outlook for Workers' Compensation Rates
- TRIPRA: Terrorism Risk Insurance Program Reauthorization Act of 2007

Claims Management
- Top 10 Ways to Control Workers' Comp Claim Costs
- Resolutions for Controlling General Liability Losses

February 2008
Year 2008 marks a milestone for Woodruff-Sawyer as we celebrate 90 years of service to the business community. This inspires us to continue building strong client relationships and contributing to their success for many years to come. As always, and as demonstrated with this newsletter, we will continue to bring you relevant and timely information.
 
In keeping with our reputation for transparency, we are providing you with our 2008 Compensation Disclosure Statement. Please email us with any comments or suggestions.
 
- Charlie Rosson, CEO
Corporate & Executive Protection

What to Expect in D&O Pricing Trends
by Priya Cherian Huskins, Esq.
The soft market for insurance won't last forever; here's what to do to get the best pricing over the long term.
Click here to view the full article

D&O IPO: Does Your Exit Have a Roadblock? 
by Brendan Williams & Bryan Perrault
As a company embarks on the path towards a liquidity event, D&O insurance serves to protect the balance sheet from unforeseen circumstances that might derail the IPO.
 
Wage and Hour Common Mistakes
by Katherine Catlos, Esq.
Employers throughout the US are being bombarded with lawsuits alleging wage and hour violations, and the employees are certainly coming out as winners.
Click here to view the full article
 
The New Deal: Reps & Warranties Coverage
by Emily Chapple
Anyone who has been involved in the sale of a company knows it can be a complicated and exciting process. Now there is a new coverage that can help close the deal.
Features & Trends

EPL Newsletter, February 2008

Employee Benefits
CDHPs: The Cost of Doing Nothing 
by Ken Drummer
With trends moderating for other plan models in recent years, HMOs appear to be heading in the opposite direction. A closer look shows us four reasons why HMOs may eventually price themselves out of the market.
 
EEOC Releases Ruling on Age Discrimination in Employment Act
by BNA
The Equal Employment Opportunity Commission (EEOC) has issued a rule creating an Age Discrimination in Employment Act regarding retiree health benefits. 
Features & Trends

Medicare Audio Recording

Survey Results on HSAs

Construction & Real Estate
Safety Toolbox: Woodruff-Sawyer's Online Safety Resource
Safety is a critical element to any successful business. For the Construction industry there are numerous advantages to having a strong and proactive safety management program.
Helpful Links
International
Avoiding the Next D&O Liability Disaster: FCPA Prosecutions
by Priya Cherian Huskins, Esq.
"Don't ask, don't tell" is not a winning strategy when it comes to compliance with the Foreign Corrupt Practices Act. Both public and private companies need a more hands-on approach, and urgently so.
Click here to view the full article
Conventions & Conferences
Check out the 2008 BIO International Convention!
Risk Management
2008 Outlook for Workers' Comp Rates
by Sonja Paoletti
The California workers' comp market has changed drastically over the past 13 years. Learn about the impact of recent reforms, the 2008 workers' comp outlook and how you can keep costs down.
TRIPRA: The Terrorism Risk Insurance Program Reauthorization Act of 2007 
by Donna Ghiorso
On December 26, 2007, TRIPRA was signed into law. Learn about the new advantages and features of this terrorism risk insurance legislation. 
Conventions & Conferences
 
Visit the 2008 RIMS Conference in San Diego

Claims Management
Top 10 Ways to Control Workers' Compensation Claim Costs
by Debbie Hammer
Starting off the New Year, now is the time to re-evaluate your internal claims handling protocols and make a commitment to change or fine tune the process with the goal of reducing expenses and saving money.
 
2008 Resolutions for Controlling General Liability Losses
by Gerhard Haas
Not all accidents and claims can be prevented, but targeted training and clear directions to staff can go a long way in reducing the consequences when they do occur. Here are a few tips for reducing general liability losses. 
Upcoming Seminar
Claims Management: The Good, The Bad & The Ugly
Woodruff-Sawyer & Co. is one of the largest independent insurance brokerage firms in the nation, and is an active partner of International Benefits Network and Assurex Global. For 90 years, Woodruff-Sawyer has been partnering with clients to implement and manage cost-effective and innovative insurance, employee benefits and risk management solutions, both nationally and abroad. Headquartered in San Francisco, Woodruff-Sawyer has offices throughout California and in Portland, Oregon.
For more information, call 415.391.2141 or visit www.wsandco.com.
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