Businessowners

A Businessowner’s Halloween Nightmare

The rain began on a Tuesday. At first, it was soft and light and even welcome after a hot and arid summer. But as the days wore on, the drizzle became a deluge that showed no sign of stopping. The...

Football and small businesses: Models for championship performances

Getty Images Every year in early February, the nation fixates on an annual event that generally draws the largest TV audience: the Super Bowl. The Super Bowl LI contest between the Atlanta Falcons...

Scrooge & Marley, PLC: A commercial insurance case study

Scrooge & Marley, PLC, was a privately held partnership in 19th-century England that operated out of a dingy warehouse in the Cornhill section of London. Partners Ebenezer Scrooge and Jacob Marley...

The Insurable Risks of Zombie Attacks on Small Businesses

Zombies are sweeping the nation—at least if you believe the media and pop culturists. The walking dead are everywhere, from cities and small towns to homes and offices. While most people try to...

Traumatic brain injury deaths highest for small company construction workers

As you might imagine, the construction industry has the greatest number of both fatal and nonfatal traumatic brain injuries (TBIs) in U.S. workplaces. A total of 2,210 construction workers died...

What to look for when underwriting a general liability policy

Underwriters today have a thirst for reliable data but often face daunting research challenges to find it. They also face disjointed data sources that provide inaccurate and incomplete information....

Privacy in the Digital Age

Earlier this month, I had the privilege of attending the 2014 Privacy Xchange Forum, my first cyber event not specifically about insurance. The forum, presented by IDT911, was a well-planned,...

You've got to ask yourself one question: “Do I feel lucky?"

As an insurer, how much do you rely on luck? As Verisk’s principal commercial property consultant, I interact with many carriers who insist they would never count on luck. If you agree with them, y...

Payment cards: Is the PIN more dangerous than the pen?

President Obama recently announced that, starting next year, all federal government credit and debit cards will feature microchips and require the use of PIN numbers . The technology, called “chip...

Raising Awareness about Cyber Risk

To develop a new product, the first step to success is always the same: Understand the customer’s need. But the need is not the product you’re selling. It’s the problem your product is trying to...