This study shows that many wealthy people have growing concerns about their liabilities but underestimate the danger of multimillion-dollar verdicts. Aside from the financial impact, high-net-worth individuals fear the stress of protracted legal proceedings and potential damage to their reputations.
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The Gallagher London PRI Market Update for July 2013 summarizes the changes in line structure and tenors available from commercial Political Risk Insurance (PRI) insurers since our last report in January 2013. The summary reflects the outcome of reinsurance negotiations, the arrival of new insurers and areas that could be impacted by economic, political or violent situations.
A client had employees who were incurring sprains, carpal tunnel syndrome and other ergonomic-related disorders in the manufacture of truck wheel rims and tires. The company asked its insurance carrier to help identify causes of the ergonomic disorders and develop cost-effective and practical solutions to prevent them.
Schmidt, Glass and Reda note that since late 2007 we have seen numerous reports on excessive executive pay. The seeming disconnect between company performance and executive pay led to the passage of the Dodd-Frank Act. (Journal of Compensation & Benefits, 07/2013)
Reda writes that while privately-held companies approach compensation very differently from publicly-traded ones, the total compensation paid to executives is about the same. The big difference? Equity incentives. (Journal of Compensation & Benefits, 07/2013)
Higher education student health issues have grown more complex and varied over the past two decades―with larger student populations, more international students and more modern-day emotional demands. This Gallagher Higher Education Think Tank Study examines the often concealed topic of student health, and its challenges and opportunities for improvements.
This Article Includes: Employer Mandate Delayed Until 2015 – Transitional Guidance Released, Departments Provide Final Rules on Religious Employer Accommodation Relating to Contraceptive Coverage, HHS Issues Final Regulations on Individual Mandate Exemptions and Minimum Essential Coverage, Treasury Releases Guidance on Individual Mandate Transitional Relief and Eligibility for Premium Tax Credits, DOL Provides Exchange Model Notice in Spanish, Questions and Answers for Employers
Unprecedented regulatory activity, a welcome one-year delay in the effective date of the employer shared responsibility requirement and a Supreme Court decision impacted employers sponsoring health plans in 2013. The overwhelming majority of the regulations issued were to implement the Patient Protection and Affordable Care Act (PPACA) provisions. The guide also provides information on HIPAA privacy and security regulations, the Family and Medical Leave Act (FMLA) and Defense of Marriage Act (DOMA).
Various factors have driven the growth in aviation insurance including massive increases in capital to insurance markets and huge increases in rates and premiums following the World Trade Center attacks of September 11, 2001.
This Article Includes: Treasury Department Delays Employer Shared Responsibility and Insurer Reporting Requirements by One Year