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Emerging Trend to Watch: Section 16(b)
Claims
by Priya Cherian Huskins, Esq.
In recent months, we have seen
plaintiffs attempt to use Section 16(b) in innovative ways.
Now
more than ever it is important for purchasers of D&O liability
insurance to understand what their policies cover, and perhaps more
importantly, what they do not cover.
Click here to
view the full article
The Subprime Lending
Crisis
by Bill Ballowe
News
of weakness and instability in the subprime mortgage lending sector
has led to a flurry of shareholder class action law suits.
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Taking the Mystery out of HMO
Premium Increases
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.
Covering Smoking
Cessation as a Health Benefit
by Milliman, Inc.
Smoking is the leading cause of preventable
disease and death in the US, and adds over $165 billion to
healthcare and disability costs each year. Employers pay for most
health insurance costs for their workers and their dependents, and
life insurance coverage. This paper shows how by funding
a smoking cessation program, employers can quickly realize
reduced medical and life insurance costs.
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| Ex Mod Woes: An Analysis of Experience
Modifier Trends
by Debbie Hammer & Bret
Lawrence
Over the past year,
experience modification ratings (commonly referred to as "Ex Mods")
across most industries have increased an average of 8-10 points.
Many employers are perplexed and frustrated at rising Ex Mod ratings
despite lower claim costs. Why is this trend occuring?
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Oh Canada! Workers' Compensation Across the
Border.
by Michael La Fleur
NAFTA became effective in 1994 and afforded each
of the North American countries, Canada, Mexico and the US an
opportunity to compete more efficiently with their EU
counterparts. While trade between the countries may be fluid,
when one becomes an employer in Canada, the situation can become far
more complicated. One such issue is workers' comp for local
employees.
Insuring International Clinical
Trials
by Andy Barrengos & Jerry Lynn
Sullivan
Insuring coverage for clinical
trials is one of the most unique and
highly specialized coverages required for life science companies. As
life science companies pursue an increasing number of indications on
a worldwide basis, their clinical trial activity has grown both in
the US and overseas.
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| Risk
Management & Company
Sponsored Events
There are clear benefits to well run and safe company
sponsored events. Such events promote good will among
employees, foster team camaraderie, strengthen relationships,
improve communication and relieve stress. Here are some "Do's
and Don'ts" to consider when planning a Company Sponsored Event.
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Insurance Commissioner
Firmly Backs
Reforms
by Gerhard
Haas
Woodruff-Sawyer staff recently attended a luncheon with
California Insurance Commissioner Steve Poizner, at which he
energetically affirmed his stance on insurance reform. His three
areas of concern are: insurance fraud, which costs the State close
to $15 billion annually; uninsured drivers, who add 10% to 15% to
every insured driver's premium; and the condition of the State
Compensation Insurance Fund.
Click here to
view the full
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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 more than 89 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. | |
