Category: Articles
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Tired and Uncomfortable Drivers: How Fatigue and Ergonomics Increase Fleet Risk
Add six hours of whole-body vibration and a poorly adjusted seat, and the vehicle your company depends on could quickly become a serious liability. Driver fatigue can build over time due to factors such as undiagnosed sleep apnea and irregular shift schedules. A single night of sleep is not enough to repay accumulated sleep debt.…
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As Data Center Demand Accelerates, Utilities Face a New Risk Landscape
Power demand is rising faster than infrastructure can be delivered Artificial intelligence, cloud computing, and digital infrastructure are driving unprecedented demand for data centers across the United States. According to industry estimates, approximately $3 trillion is expected to be invested globally in digital infrastructure by 2030, with U.S. data center growth projected to add nearly…
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Addressing Consequential Damages in the Property Policy
Property insurance policy drafters have long attempted to address how excluded perils, such as faulty workmanship, latent defects, design defects, wear and tear, corrosion, or erosion, affect coverage. Approaches have included: “Resulting loss or damage” carve-backs “Cost of making good” faulty workmanship London Engineering Group (LEG 1, 2 and 3) defect clauses It is helpful…
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Structuring Construction Liability Coverage for Multifamily Developers
A well-structured General Liability program can significantly improve cost efficiency, risk control, and long-term outcomes for multifamily developers. Developers are paying for all General Liability insurance tied to their projects, whether that cost is visible or hidden. Developers can rely on the general contractor (GC) and subcontractors to carry coverage and build it into their…
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Putting Your Best Risk Forward: Strong Submissions for Real Estate Accounts Lead to Better Outcomes
As an insurance marketing account executive for McGriff Specialty, my role includes presenting my clients’ accounts in the best possible light to our insurance company partners. How I submit each account directly affects the coverage options and terms we receive. Accounts presented favorably tend to generate more interest from a larger pool of insurers, which…
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De-Escalation in Hospitality: Enhancing Safety, Respect, and Risk Management
The Critical Role of De-Escalation in Hospitality In the dynamic and often high-pressure environment of hospitality, managing conflict effectively is not just a matter of good customer service, it is a vital component of safety, risk management, and business continuity. Whether in hotels, restaurants, bars, or event venues, employees frequently encounter situations involving upset guests,…
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The Impact of Nuclear Verdicts and Modern Courtroom Tactics on Claim Adjusting
Two of the most influential developments are the rise of extremely large jury awards—commonly referred to as nuclear verdicts—and the evolution of modern courtroom strategies used by plaintiff attorneys. Together, these trends have increased claim severity, heightened litigation risk, and forced insurers to modify how claims are investigated, documented, reserved, and settled. As a result,…
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Plaintiff Attorneys AI Claim Severity
This article explores how plaintiff attorneys use AI to drive claim severity—maximizing the value of claims through data-driven insights and advanced analytics. It further examines the legal and ethical challenges posed by AI use, the countermeasures employed by defense counsel, and offers recommendations for policymakers to ensure fairness and transparency in litigation. Literature and Market…
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Inside Management Liability Exposures for Family Offices
A family office is a private organization established to manage the financial and personal affairs of a wealthy family. Typically serving families with assets exceeding $100 million, these entities oversee investments, trusts, estate planning, tax strategy, and philanthropic activities, and they often operate businesses. Family offices vary widely in structure. Some have formal boards or…
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Auto Dealerships – Pardot Embed Test
Auto Dealerships Risk Management Solutions to Keep Your Dealership Moving Your business is unique and your vision and objectives are different from your competitors. Our team will take time to understand your needs and work with you to design a customized risk management program that might one day mean the difference between a minor loss…