The Future of Integrated Risk Management

The landscape of property and casualty insurance has changed. Insurers view risk more holistically, including data points never previously considered, such as how a company administers healthcare benefits when making underwriting assumptions. The trend began in the transportation industry—fueled by a $50 million settlement in a wrongful death suit.

This case study looks at the landmark settlement and how it impacts employers. It also presents how one progressive transportation company aggregated formerly disparate silos of human capital data to more aggressively manage risk across the enterprise.

Insider Secrets to Successful Volunteer Management

How can volunteer managers recruit and retain the best people as well as protect their company from risks? This white paper answers these questions and highlights the critical role that insurance plays for nonprofit organizations.

Six Steps for Effective Volunteer Management

This infographic serves as a teaser for the white paper, Insider Secrets to Successful Volunteer Management, presenting the information in a quick hit, highly-visual format.

Exposed, Targeted and Breached: The Risk of Cyber Crime

Though the mainstream media typically reports on cyber attacks of large corporations like Sony, Target and others, all businesses are at risk—no matter the size. And the attacks will keep coming. According to a study from Juniper Research, the cost of data breaches will reach $2.1 trillion globally by 2019. This white paper will cover the four common cyber attacks aimed at business and the two types of cyber liability coverage your company should consider.

4 Misconceptions About Cyber Attacks

According to the 2015 Travelers Business Risk Index, 29 percent of businesses list cyber threats as one of the risks they are least prepared to face. Every business could be a target for cyber crime, yet many businesses only have traditional insurance for protection. This infographic, based off of the Exposed, Targeted and Breached: The Risk of Cyber Crime white paper, covers the four misconceptions surrounding cyber attacks.

Aviation General Liability

Many risks that airports face can be managed by insurance, risk management, or a combination of both. A General Liability Policy is the foundation of any business insurance program—it protects your business in the event a third party claims property damage or bodily injury against you because of your negligence. However, since most General Liability Policies have an airport and aircraft exclusion, it is critical that airports purchase their liability policy from an aviation specialty insurer.

Identity Fraud: Taking the Necessary Steps to Prevent this Common Crime

In 2015 alone, over 13 million Americans fell victim to identity fraud, resulting in damages of more than $15 billion. While it is impossible to prevent fraud entirely (your data is often in the hands of others—banks, hospitals, online stores, etc.), there are steps you can take to lower the risk of exposure.

The Effects of Marijuana Legalization in the U.S. Workplace

Marijuana remains illegal under U.S. federal law, but the Schedule 1 drug is increasingly becoming legalized throughout the states. In fact, four states and the District of Columbia have legalized the medical and recreational use of marijuana. This conflict between state and federal government has impacted the workplaces within all states.

Avoid Temporary Worker OSHA Citations


In 2016, OSHA will increase its workplace safety violation penalties for the first time in 25 years. The initial hike will raise fines by approximately 80 percent. To educate contractors on how to avoid a citation, we developed an infographic, Avoid Temporary Worker OSHA Citations. By reading the infographic, you’ll learn about the four employee classifications, four tests to determine employee type, and seven methods for avoiding an OSHA audit.

Drone Insurance: A Market on the Rise

It wasn’t too long ago that the word “drone” conjured up images of stealth military strikes in war-torn countries around the globe. And while military applications still prevail—the Pentagon has an arsenal of approximately 7,000 unmanned aerial vehicles (UAVs)—commercial and personal drones are gaining in popularity.

Online Privacy Guide: Handling Online Privacy the Right Way

In order to help our associates, partners and clients protect their digital footprints, Assurex Global asked our “go-to” resource for digital forensics and cybersecurity, LIFARS, for advice. What follows is a sampling of questions it commonly hears from clients and its advice for handling online privacy the right way.

Risk Management Considerations for Temporary Workers

The increase in fines, along with OSHA’s long-standing multi-employer citation policy and newer Temporary Employee Initiative, raise concerns for construction companies that use temporary and leased employees. Huggett shared insight on related risk management considerations at a webinar for Assurex Global’s Construction Practice Group. His views and advice form the basis of this white paper.

Crowdfunding: The Future of Equity Investing

In this white paper, we will cover the risks and explore best practices to help investors protect and potentially grow their assets with equity crowdfunding.

A White Paper for Construction Contractors

Deconstructing Construction Defect Claims

This white paper discusses the primary categories of construction defects, the concept of construction defects as an “occurrence,” general liability coverage for construction defects and risk management solutions. It’s based on the Assurex Global Construction Practice Group meeting hosted by member company Oswald Companies in Cleveland in October 2015.

Important tips and considerations while on the web

Cybersecurity Privacy and Security

Like a thief cuts through a bike lock, hackers can override your technology’s security measures. To keep us mindful of security best practices, Assurex Global’s “go to” resource for digital forensics and cybersecurity, LIFARS, has answered questions we should all be asking.

Workplace Impacts of Marijuana Legalization

In 2012, Colorado and Washington became the first states to legalize the recreational use and sale of marijuana. Since then, two other states and the District of Columbia have followed suit, while 18 others have legalized medical marijuana. Proponents tout the advantages of being able to regulate, tax and test marijuana. But what’s the impact on companies, particularly in relation to drug-free workplace policies?

Making Sense of Data to Make More Informed Benefit Plan Decisions

Health Plan Secret Weapon: Integrated Data Analytics

This white paper from Assurex Global will show you the difference between reporting and analysis. It is based on information and insights provided by Denise Mirtich, Analytics Leader and Co-Chair of Oswald Companies’ Women’s Leadership Council. The firm is an Assurex Global Partner and thought leader in Employee Benefits. The following details the steps you can take to make data—and your benefits plan—work for both your company and your employees.

Subcontractor Prequalification

While the U.S. economy has turned around, landing construction projects for subcontractors remains as competitive as ever. Whether you are an excavator or an HVAC specialist, general contractors will look closely at your company to judge your fiscal health, reputability and reliability. One of the primary methods general contractors use to evaluate potential partners is subcontractor prequalification.

A White Paper for Construction Contractors

Building A Commitment to Workplace Safety

This white paper encompasses views on building a commitment to workplace safety posited by D.J. Moran, Ph.D., who specializes in behavior-based safety (BBS) approaches. “Behavior-based safety has a legacy of helping people lead better and more healthful lives,” says Moran, owner of Pickslyde™ Consulting. Applying BBS approaches, which hinge on behavioral psychology, can double specific voluntary safety behaviors among construction workers, says Moran. That should make all general contractors sit up and take notice when you consider OSHA’s statistics on the construction industry.

Important tips and considerations while on the go

Cybersecurity While Traveling

How often do you travel for work or pleasure? The majority of us do so quite frequently, and yet we give little thought to how we keep our identity and data safe while doing so. To keep us informed and vigilant during our travels, Assurex Global asked its “go to” resource for digital forensics and cyber security, LIFARS, to answer some questions all of us should be asking—but often don’t think to consider—regarding our digital security while on the road.

Pragmatic Cybersecurity for the Interconnected Business

Defending Against an Invisible Threat

This white paper is based on a presentation from Mr. Chris Ensey, COO of Dunbar CyberSecurity. By reading it, you will learn what constitutes a cyber-attack and the associated tactics. You will also learn about preventative measures that you can take to strengthen your company’s security.

Chubb Group of Insurance Companies

Wealth at Risk: How High Net Worth Families Overpay to Be Underinsured

Independent insurance agents and brokers frequently find that families with substantial assets who insure their homes, autos, watercraft, and valuable collections with mass-market, heavily advertised carriers overpay for protection that still leaves them exposed to severe financial loss.

Chubb Group of Insurance Companies

Targeting the Rich: Liability Lawsuits and the Threat to Families with Emerging and Established Wealth

In these highly uncertain economic times, the issue of disparities in wealth, income, and taxation has become the subject of heated debate. As the controversy deepens and proliferates, newly released research by Chubb, the high net worth personal insurance business of Chubb, shows that many high net worth families are concerned this environment is heightening the risk they will be the target of a high-stakes liability lawsuit. Their wealth, they increasingly fear, can attract lawsuits. Aside from the financial impact, high net worth individuals fear the stress of protracted legal proceedings and risk damage to their reputations and ability to earn an income.

A White Paper for Construction Contractors

Boosting Profitability with Flexible Overhead

The Great Recession of 2007 shed a painful light on the inadequacies of the construction industry’s typical business model. Because of the highly cyclical nature of the business, contractors can no longer measure success on how much revenue growth they experience, how much equipment they own or how big their jobs are.