As higher education institutions continue to embrace an enterprise approach to both risk and compliance, a practical and lasting model is needed to assure that a program will stand the test of time. Using the ISO standards and embracing a Centralized Oversight-Decentralized Implementation structure will greatly increase the likelihood of success. This model puts risk and compliance “ownership” in the hands of subject matter experts throughout the organization, while embedding the oversight and management of the program within the overall governance structure of the institution.
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The Chancellor’s second Budget in July included the unexpected announcement to increase Insurance Premium Tax (IPT) from 6% to 9.5% from November 2015. This article discusses what employers need to know in order to implement the increase.
With her first major announcement, the newly appointed conservative Pensions Minister, Baroness Ros Altman, announced that the government will focus on auto-enrollment and highlights the ongoing impact of the new “Pension Freedoms.”
The U.S. economy grew at a 1.5% pace in the third quarter according to the initial estimate from the Commerce Department. While any growth seems to be good growth amidst global turmoil, this marks a slowdown from the 3.9% pace of the second quarter.
As most American businesses know, privacy and network security rules are a patchwork of state laws and regulations, with a gloss of federal regulation. That gloss has recently been burnished.
Securities fraud litigation is a fact of life for American businesses. Whether it is a curse or the only remedy for defrauded investors depends on your point of view. This article will address a more subtle issue: the role of bondholder litigation.
“I’m the boss and we will do it my way” is not something you would hear from a great supervisor. That being said, this common expression is heard in many workplaces and a powerful undertone in the culture of many of the organizations that don’t necessarily say it out loud. The consequences of this expressed or implied sentiment are dramatic, the least of which include employee apathy, disengagement and a potentially profit forfeiting reduction in creativity.
The Institutional Investment & Fiduciary Services practice examines the markets on a quarterly basis. The overview discusses U.S. Equities, International Equities, Global Fixed Income and REITs.
A class action lawsuit following a network breach has always posed the greatest risk for companies to incur high legal defense costs. Fortunately, the uncertainty of the damages caused by the loss of personally identifiable information (PII) has made these types of lawsuits difficult to bring. Learn more about this subject by reading the full article.
Arthur J. Gallagher and Co.’s National Cyber Liability Practice has the expertise and the desire to deliver a full complement of cyber risk management and insurance services. As cyber risk continues to evolve, thought leadership is of the upmost importance. Our thought leaders are based in the United States with additional support from our international team in the United Kingdom. We focus on cyber risk exclusively. We are keenly aware of the evolving risk landscape and are uniquely positioned to share our knowledge, expertise and experience for the benefit our clients. Learn more about the rationale for insurance by reading the full article.