Within the Marine industry, 2014 has revealed more challenges for some of the new fixed premium market facilities - in particular, those new entrants competing for market share. With the average owned property and insurance (P&I) rate at a five-year low, and with more facilities entering an already soft market, only time will tell as to how long some of these facilities will last. However, we currently do not see the Marine insurers market consolidating in the short to medium term. In fact, we see the market continuing to expand with average rates continuing to decrease. This Gallagher Marine P&I 2014 Commercial Market Review offers a recap of key industry issues.
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Are you finding that your employees are experiencing more discomfort or having more sick days due to back pain, carpal tunnel syndrome or similar injuries? It may be time to re-evaluate your work station layouts to help reduce some of these injuries while increasing productivity. View some of our suggestions.
2015 Updated - Gallagher Higher Education Think Tank Study: Infectious Disease Emergency Protocol for Colleges and Universities
Even in a modern world of advanced health care, it is distressingly easy to encounter infectious disease conditions that might present a college or university campus with challenges including recently reported U.S. cases of Ebola and measles. For these reasons among others, we felt it was time to update and re-release our 2006 Gallagher Higher Education Think Tank Study - Blueprint for Pandemic Flu with new information.
The issue of student-on-student sexual assault has swept through colleges like a tidal wave, and its impact is starting to be felt by independent schools. At least 90 colleges are currently under federal investigation for potential violations of Title IX, the law that regulates sexual assault at institutions receiving federal funds. Even though most independent schools are not subject to Title IX compliance, the law will likely establish a standard of care for all educational institutions. Is your school or your students prepared?
Purchasing procedures for public entities and schools are designed to meet statutory requirements for a fair and consistent process. The purpose of a Request for Proposal (RFP) is for the good of the public entity and to demonstrate that an entity’s risk financing arrangements are being made through reputable insurers. This whitepaper offers examples of mistakes you can avoid in the RFP process.
In November of 2009, the paradigm for how we manage risk changed. The "new language of risk", and how to implement an enterprise-wide approach to risk management, is grounded in the value that risk management can bring to an organization. Gallagher's The New Language of Risk Management whitepaper addresses the topic of Enterprise Risk Management (ERM) - for public or private organizations, the nuances of regulations and more.
Each year, slip-and-fall accidents continue to be one of the leading causes of work-related injuries - from minor lacerations to more serious injuries. Claims statistics show slip-and-fall claims continue to cost public employers tens of thousands of dollars each year. This Gallagher School Talk newsletter features five general rules that will help you to reduce your business' risk exposures to slips and falls claims.
Each year, slip-and-fall accidents continue to be one of the leading causes of work-related injuries - from minor lacerations to more serious injuries. Claims statistics show slip-and-fall claims continue to cost public employers tens of thousands of dollars each year. This Gallagher PEP Talk newsletter features five general rules that will help you to reduce your business' risk exposures to slips and falls claims.
Driver safety? We've all experienced a "near miss" event. A car speeds past you, hits the brakes and heads to the side of the road. You react but have hopefully avoided an accident. However, when you are behind the wheel of a commercial vehicle or truck, stopping distance and maneuvering is not as immediate as a car driver’s ability. How can you help prevent a disaster in "near miss" situations?
Space heaters carry a much greater risk of causing a fire than central heat - particularly given an increased potential for accidental fires due to misuse and/or human error. The U.S. Consumer Product Safety Commission estimates that roughly 25,000 residential fires are caused by the use of space heaters every year, resulting in more than 300 fatalities. If you select one for your office or home, what safety precautions can you take?