From: Woodruff-Sawyer

Sent: Monday, August 31, 2009 3:08 PM

To: Woodruff-Sawyer

TOP STORIES

Corporate & Executive Protection
- Climate Change-Related Disclosures and D&O Coverage
- Insurer Financial Security: A Review of 2008 and a Look Ahead

Employee Benefits
- Preventing the Financial Nightmare of Long-Term Care
- Expanding Proxy Disclosure Requirements

Claims Management
- The Pros and Cons of Reporting First Aid Claims

International
- Taking Control of Your Global Insurance Program

Welcome!

Welcome to the August 2009 Woodruff-Sawyer Quarterly Newsletter! In our latest installment, we provide insight on a variety of topics affecting your business, including Climate Change-Related Disclosures and D&O Coverage, Employee Benefits Long-Term Care, First Aid Claim Reporting, Global Insurance and other topics of interest. We trust that you'll find these articles helpful in your business activities. Please feel free to contact us with any comments or suggestions.

- Charlie Rosson, CEO

Climate Change-Related Disclosures and D&O Coverage by Priya Cherian Huskins, Esq. There is a growing effort to get public companies to voluntarily disclose ways in which climate change may affect its business in the future. If your company is beginning to discuss making these disclosures, there are potential liabilities and D&O liability insurance coverage to consider.  Click here to view the full article Insurer Financial Security: A Review of 2008 and a Look Ahead   by Carolyn Polikoff With the one-year anniversary of the start of the insurance industry financial crisis approaching, it seems an appropriate time to reflect on the events of the past year and the outlook for the future. Click here to view the full article

Podcasts & Newsletters EPL Newsletter, August 2009 New D&O Podcast!

Preventing the Financial Nightmare of Long-Term Care by Megan McMoy, LTC Solutions Requiring daily care due to illness or injury is becoming more and more of an issue. Such care is expensive and is not covered by ordinary insurance. Long-term care (LTC) insurance coverage is emerging as a potential solution. Click here to view the full article Expanding Proxy Disclosure Requirements  by Dave Bisson, Presidio Pay Advisors, Inc. The financial crisis and resulting controversy over executive compensation have prompted the SEC to propose a number of changes to proxy disclosure rules. Click here to view the full article

Legislative Update New Employee Benefits Legislative Update!

The Pros and Cons of Reporting First Aid Claims by Debbie Hammer When it comes to reporting workplace injuries, employers often ask whether specific injuries are minor enough to be treatable by first aid or whether they are more severe and necessitate further medical care. The question then becomes "Will paying for smaller claims internally assist in controlling claim costs and result in reduced premiums?" Click here to view the full article

Medicare Secondary Payer Mandatory Reporting Updates CMS Non-Group Health Plan (NGHP) User Guide v2 MMSEA 111: Responsible Reporting Entity Alert

Taking Control of Your Global Insurance Program by Judi Haines & Kim Armanasco In perilous economic times companies are looking to cut costs wherever they can. Insurance and risk management expenses are an "easy" target, and face increasingly intense scrutiny. Rather than examining coverages one by one, the smart approach is to make a thorough analysis and plan for all of your insurance expenses. Click here to view the full article

Risk Update International Risk Storm Watch

About Us

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 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 800.675.4467 or visit www.wsandco.com.

Woodruff-Sawyer & Co. | 220 Bush Street, 7th Floor | San Francisco | CA | 94104