Current Issue

Subscriber only, premium content. Wednesday, November 14

Business Insurance Perspectives

Submit a Perspective

Look hard at the risks involved before leaping into the cloud

By: Edgar Germer

Published July 31, 2016 - 12:01am CST

“Cloud computing” has been an information technology darling since it became increasingly widespread over the past decade. Offering more flexible, accessible and less-expensive resources, cloud computing is an attractive alternative to traditional computing environments. But it has its costs, including increased security risks and web-based threats, particularly as it accessed...

Attorney fee rulings set to alter execution, costs of comp cases

By: Jim Woods and Jeyshree Ramachandran

Published July 17, 2016 - 12:01am CST

A long-standing principle governing workers compensation cases provides access to an attorney who will help the injured worker litigate the case efficiently and capably. To give attorneys incentive to take on such cases and to ease the burden on an injured worker to find a capable attorney, attorneys receive their fees from the worker's damage award. Jim Woods and Jeyshree Ramachandran of Mayer...

Risk managers face new liabilities in web of medical payment rules

By: David Farber

Published July 03, 2016 - 12:01am CST

Medicare Secondary Payer requirements have had a costly effect on claims settlements. While the Strengthening Medicare and Repaying Taxpayers, or SMART, Act helped solve many significant problems, risk managers face a new set of liability risks that have arisen over the past four years. David Farber, a partner at King & Spalding L.L.P., outlines the issues that risk managers need to address.

Hurricane season is here, so prepare for the worst

By: Andrew Higgins

Published May 29, 2016 - 12:01am CST

It takes just one hurricane or windstorm to wreak havoc on a business. So, with some forecasters predicting an active storm season, preparation is key. Andrew Higgins, technical manager for Allianz Risk Consulting L.L.C. offers tips to help companies reduce the risk and minimize losses.

Careful negotiations reduce risk of being held to cyber ransom

By: James Westerlind and William Tanenbaum

Published May 22, 2016 - 12:01am CST

Cyber attacks have become a major problem for businesses as they grow more sophisticated, frequent and lucrative. But a specific strain of malware has become a part of doing business for certain information technology vendors. James Westerlind and William Tanenbaum of Arent Fox L.L.P. discuss this use of software to lock up a client's account and how to successfully navigate it through use of...

Don't give up on CGL policies when looking for cyber cover

By: Richard DeNatale, Richard D. Milone and Celia Jackson

Published May 08, 2016 - 12:01am CST

Data breaches can leave targets casting about for the right insurance solutions, particularly when it comes to often lengthy and costly class action lawsuits. A recent appeals court decision opened the door to the use of commercial general liability coverage in such cases. Richard DeNatale, Richard D. Milone and Celia Jackson, with the law firm Jones Day,, discuss this development and other ways...

Value of wellness programs extends far beyond profit

By: Arthur Hall

Published April 24, 2016 - 12:01am CST

Talk of wellness programs is all the rage, but a lack of understanding by employers and employees can undermine even the best of them. Arthur Hall, senior vice president and employee benefits practice leader at USI Insurance Services L.L.C., writes about how wellness programs can affect health care costs.

Employee family matters expected to take center stage

By: Terri L. Rhodes

Published April 10, 2016 - 12:01am CST

It's a heady time for disability and absence managers with growing emphasis on cost containment through well-being initiatives and a focus on new regulations and their implications. Terri L. Rhodes, CEO of the Disability Management Employer Coalition, discusses these trends and opportunities.

Havoc in the supply chain tests business interruption policies

By: Thomas M. McMahon and Donald J. Friedman

Published March 27, 2016 - 12:01am CST

The port explosions in Tianjin, China, caused the latest break in international supply chains. Donald J. Friedman and Thomas M. McMahon, partners at Perkins Coie L.L.P., discuss the benefits and limitations of contingent business interruption insurance in such situations.

Mind the D&O coverage gap when facing enforcement actions

By: Rodger Laurite, Mark Weintraub and Grady Kellogg

Published March 13, 2016 - 12:01am CST

As the federal government gets more determined about prosecuting books and records and internal controls violations, gaps in directors and officers liability cover become apparent. Rodger Laurite, Mark Weintraub and Grady Kellogg of Lockton Financial Services discuss the regulatory trend and how companies can guard against it.

More »

Perspectives Guidelines

Business Insurance accepts articles from experts in commercial insurance, risk management and employee benefits management for publication in its Perspectives section. The section is intended to be a forum for readers’ opinions and a forum for the discussion of technical topics that do not lend themselves to news stories. Interested in submitting a Perspective article for publication? Download our Perspective guidelines.