In 2014, the year began with the second costliest winter storm in over 20 years. The U.S. also experienced two additional loss events triggered by natural disasters including severe thunderstorms throughout the country and the Napa earthquake - which was the largest U.S. earthquake loss since 2001. Globally, natural disasters produced a combined total insured loss of $39 billion in 2014, which was 38% below the 10-year average and the lowest annual insured loss total since 2009. This Gallagher Property Marketing Update: First Quarter 2015 reviews how is all of this affecting the property market.
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Complex real estate transactions gone awry can produce lengthy litigation. Even low value situations can become protracted litigation with significant money spent on what seems like endless defense. Real estate errors and omissions (E & O) liability insurance can help protect the balance sheet of your real estate business on these types of costs. Unfortunately, there are many pitfalls frequently created by insurance brokers who do not specialize in risk transfer products specifically for real estate firms. So what do you need to know?
A “close call” or an accident without injury is easy to shrug off and forget. But, there is a danger in brushing off accidents that don’t hurt, harm or cause damage. When a “close call” happens, it should immediately send up a red warning flag that something was wrong, unplanned, unexpected and could happen again. What can you do to reduce that possibility? Review our Minute for Safety newsletter for recommendations.
The Department of Health and Human Services’ Office of Civil Rights (“OCR”) is responsible for enforcing HIPAA’s privacy, security, and breach notification requirements. A significant number of OCR’s enforcement actions begin with a breach of electronic Protected Health Information. Some covered entities have discovered first hand that HIPAA violations can be very expensive. Do you know how to spot a breach and what to do if you find one?
Sustainable and socially responsible investing mandates continue to expand as more investors factor ethical and moral considerations into the investment process. Typically, these investors do not see social investing as a goal itself. Rather, they are motivated to use their money or resources to make a positive social impact and align the investments of the organization with its values and mission, while not compromising competitive long-term investment returns.
Stay informed on the latest healthcare reform news. Gallagher's Healthcare Reform Update newsletters provide timely, easy-to-understand information about new and revised regulations. Download this month's latest release.
When working on a school campus or in a district administrative office, what are the risks of injury? The reality, which is supported by claims statistics, is that accidents/injuries occurred more frequently in educational settings than one might think. This Gallagher School Talk newsletter features recommendations to consider when creating a safer work environment.
Gallagher's Risk Management Safety Insight Literacy and Language Challenges in the Workplace newsletter offers an overview of the current issues concerning non-English speaking employees and OSHA’s emphasis on ensuring they are provided training in their native language and a manner they can understand.
Directions newsletter is a monthly publication of the Benefits & HR Consulting operations of Arthur J. Gallagher & Co. The March 2015 issue includes healthcare reform updates, a technical bulletin, webinar information and a variety of benefits and HR news.
The outsourced chief investment officer (“OCIO”) model has gained a lot of attention from plan sponsors over the last few years. According to Pension & Investments, over $1.2 trillion in institutional assets1 currently use this model, with defined benefit funds making up an estimated $400 to $800 billion of this total.