Were the markets affected by the winter blues? After racing out to double digit gains in the first quarter of 2012 and 2013, equities had a more modest start to 2014. As winter begins to thaw and investors look ahead to spring, it is helpful to look back at what areas of the market worked for investors and those that were a drag on performance. Only time will tell if the stock market was just suffering from the winter blues or if we are in for a year of volatility and muted gains.
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(This is an excerpt from Reuters.com article written by Jim Finkle and Karen Freifeld.) Several U.S. states are collaborating on an investigation of a data breach involving a subsidiary of Experian Plc. This reported data breach "exposed social security numbers for some 200 million people". This situation occurred around the same time that the Obama administration announced its intent to "strengthen the government's ability to compel businesses to adequately secure consumers data". Read more about this article through the link below. To view more Cyber Risk whitepapers, webinars or other related cyber issues and liability, visit our Gallagher Cyber Risk web section.
Other than merely improving the overall work environment, effective communications is essential to any business’ success. By having supervisors and senior management that are outstanding and motivational communicator, it can change a good business into a great one. But what really constitutes a great communicator? What qualities?
The healthcare industry is facing some of the most challenging times in recent memory. Changing regulations & new perspectives on financial assets will push many institutions to their limits, and the foundation of the industry is likely to shift…
On Monday, the U.S. Supreme Court asked the U.S. Solicitor General to file a brief on Glenn Tibble et. Al vs. Edison International et al., a case that revolves around Edison International’s accused breach of its fiduciary responsibilities by selecting retail-class shares of an investment fund in its 401(k) plan instead of the lower-cost institutional-class shares. As defined contribution assets continue to grow rapidly, the Supreme Court’s ruling on this case could have far-reaching effects on plans and participants alike.
Mindsets in an organization “rule” culture, actions and performance. It drives where people place their attention, what they actually see, how their biases may determine what they actually see - and ultimately how they react. This webinar offers proven strategies to help enhance your organization's culture and communications.
Gallagher Retirement Plan Consulting Team in Chicago Among PLANADVISER Top 100 Retirement Advisers
We all know that collateral plays a major part in negotiating an insurance program. The key is to not only focus on the collateral when you are putting the program together but to focus on the collateral requirements down the road. Consider our client’s “lessons learned” when exploring your own coverages.
Workers compensation issues are a challenge for nearly every business, but given the activities for trucking employees, the risk could be even higher. A large privately held trucking company was facing a difficult high deductible workers compensation renewal with their insurance broker of 15 years. Forty days before the renewal, the broker delivered a 15% rate increase to their workers compensation premium with no alternative options or additional discussion anticipated with the company to bind their coverage. Were there better options?
When a large privately held transportation company was forming an “asset light” division to utilize independent contractors - instead of company drivers, they needed a comprehensive insurance coverage program to minimize their risk exposure. However, during the due diligence process of developing this new strategy, the company shared some of their challenges with additional coverage and service issues they were having with their broker of 25 years. Was there an alternative that could effectively support their new operations while addressing their client service concerns?