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White Papers

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  • Affordable Care Act Subsidy Guide For Employers

    This sponsored white paper by Equifax walks through each step of the subsidy process and explains the negative impact that mismanaging the process can have on employers and their employees.

  • Broker Growth Strategies

    The Broker Growth Strategies white paper examines M A and organic growth strategies — how they have evolved, what they entail and the pitfalls to avoid.

  • Self-Funding and the Management of Risk

    Spring Group’s latest sponsored white paper discusses the benefits, considerations and details of self-funding employee health insurance.

  • Cyber Security Report

    Cyber security is a top priority for most businesses. Companies are taking preventive measures, adopting the infrastructure needed to protect their information and systems and engaging their employees in cyber protection. In order to generate a better understanding of how businesses are dealing with cyber protection, Business Insurance conducted an online survey about cyber security among its readers. A total of 272 risk and insurance decision-makers participated in the study.

  • Soft Market Strategies

    Market data indicates that commercial property/casualty insurance prices are flat or falling. Cheaper coverage provides immediate benefits to corporations and their risk managers, as they can simply insure their exposures to less money. But developing a strategy to take full advantage of a soft market and prepare for the next turn in the market cycle requires a more nuanced approach. Risk managers, their advisers and ultimately their executive managements need to ask themselves key questions and make decisions that could have long-lasting effects on their organizations. This latest white paper from Business Insurance answers those questions and many more to help risk managers and their business partners take full advantage of the changes in the insurance market before the pricing pendulum swings back in favor of insurers. See a sample.

  • Cyber Liability Beyond Data Security and Privacy

    This sponsored white paper by NAS Insurance will illustrate risks of industrial control systems across industries including manufacturing, energy & related infrastructure providers.

  • Growth strategies for brokers: Expanding business through M&As, new business and new people

    There can be no standing still for insurance brokerages and independent agencies. In an increasingly competitive marketplace, the brokerage that doesn't find a way to grow isn't merely at a competitive disadvantage. It could be entangled in a losing battle for survival. Growth opportunities present themselves in multiple ways. This white paper explains various growth options for large and smaller brokers. Perhaps the highest-profile method is growth through merger or acquisition. These deals aren't confined to property/casualty operations, either, as employee-oriented brokerages prove to be increasingly attractive. Recruiting top talent must be part of any long-term growth strategy. Finding and retaining the brokerage industry leaders of tomorrow and providing them with a rewarding career with plenty of opportunities for advancement should be a top priority for any brokerage or independent agency. View a sample.

  • Combating retaliation claims: How to reduce their potential and limit their impact

    Retaliation claims by employees have become a problem for employers, with more than 37,000 retaliation charges filed in 2012. The U.S. Equal Employment Opportunity Commission has taken an aggressive approach to pursuing claims where they allege employers fired, demoted or retaliated in other ways against workers that lodge a discrimination charge or participate in discrimination proceedings. Ironically, the retaliation claims often endure after the underlying discrimination charges have been dismissed. But it's not just a legal issue for employers; it's a financial issue too. The EEOC obtained $177.4 million in retaliation claims-related payments from employers last year. This white paper from Business Insurance details the problem, reviews the legal history, discusses successful defense strategies, and outlines ways to stop retaliation happening in the first place. View a sample.

  • Benefits Captive Strategies
    How to properly manage these risk-transfer arrangements

    Placing employee benefits into an employer-owned captive can be a wise financial move for companies. Such benefits are provided at little to no extra cost to employees and with a captive can result in savings for employers. This latest white paper from Business Insurance explains the evolution of captive-funded employee benefits since the passage of ERISA in 1974 including the most up-to-date captive benefits strategies. This paper also discusses the steps required by the federal government to fund ERISA-governed benefits with a captive and the projected growth in the use of captive arrangements to fund employee benefits. View a sample.

  • Guard Against Reputational Damage:
    How to handle risks that can jeopardize the brand

    A company's reputation is one of its most important assets. Years of good work can be jeopardized by just one incident that sours the public's view of an organization. A damaged reputation can result in a loss of sales and a lower stock price, and create long-term financial problems for a company. Given what's at stake, it is vital that companies respond effectively to any event that threatens their reputations. This latest white paper from Business Insurance explains what's at stake for companies, what they can do to manage the risk before and after an event happens, and what insurance coverage is available to meet the costs of restoring a damaged reputation. View a sample.