Why Manufacturing Companies Are Now More Susceptible to Data Breaches
April 18, 2018 - Manufacturing companies are highly susceptible to cyber-attacks—or any kind of “data breach” for that matter. That’s especially true of small or mid-size companies.
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Electronic Logging Devices- A Hacker's New Window?
 April 4, 2018 - The new ELD mandate will result in hundreds of thousands of new internet connected devices and opens another opportunity for hackers to access, expose or destroy critical private or personal information.
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Trustee Exposure
 March 28, 2018 - Serving as a family trustee is a difficult position. Trustees are tasked with multiple responsibilities. Insurance carriers have long recognized the legitimacy of trustee professional liability exposures.
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Recap of MMA Seminar: Employment Law 2018
 March 21, 2018 - With both local and federal employment laws becoming increasingly complex, MMA's Employment Law seminar covered some of today’s most contentious issues. There are many new developments in employment law at every level of government (local, state & federal).
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Cyber Liability Protection
Social Engineering Fraud
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February 7, 2018 - While cyber liability losses and privacy claims continue to rise, a new exposure has arisen. Hackers have determined that due to the increased sophistication in computer security, it may be easier to manipulate an individual rather than a machine.
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2018 P & C Outlook
 January 25, 2018 - Combine 2017's natural disasters with substantial change in auto/ truck risks and higher jury awards, along with an increase in General Liability litigation and awards, and 2018 is turning out to be a year of rising insurance rates.
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Construction Contracts
 February 1, 2018 - Construction contracts are the blueprints to the relationship between the owner and the contracting parties. Understanding what each contract says, and understanding how the contract impacts your company is critical.
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Texting While Driving
 January 31, 2018 - Texting increases the chances of being involved in a vehicle-related accident by 23 times. Texting while driving is not only hazardous, but costly too, and the insurance industry has taken notice.
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Risk Assessment - Are You a Better Risk Than You Think?
 December 18, 2017 - Assessing risk can be difficult. Sometimes it can appear in unexpected places, maybe at the end of a chain of events, so it’s hidden from your view. It’s possible that you’re a far better risk than you realize.
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Revealing Financial Risk & Improving Financial Health
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November 15, 2017 - At an MMA seminar held this fall, speaker Hugh O'Toole discussed retirement planning, including how employee retirement plans benefit the company's bottom line
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The 4 Myths of IT Data Security
 October 6, 2017 - True or False: Data breaches can happen to any company regardless of size or industry.
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Data Breach Risks During Annual Enrollment
 October 6, 2017- Cybercriminals, identity thieves and hackers are willing to take drastic measures to infiltrate the data-rich annual enrollment process. How can you mitigate this risk?
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Catastrophic Disasters
 September 25, 2017 - 2017 has shaped up to be one of the worst catastrophe loss years ever recorded. What will the effect be on the insurance market?
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Cyber Breach - Equifax
 September 15, 2017 - The Equifax incident proves that a cyber breach can happen to anyone. If this sort of widespread breach can happen to a company whose main responsibility is to collect and protect sensitive consumer information, how safe is your organization?
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Tips for Riding Out the Storm
 May 8, 2017 - The spring storm season is here. Prepare your property and your policy for severe weather.
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Recap of MMA Seminar- The Future of Health Care & Employee Benefits
 MMA hosted a forum on the Future of Health Care on March 14, 2017. The featured speakers were Mary Brainerd, outgoing CEO and President of HealthPartners, and Representative Eric Paulsen from Minnesota’s 3rd District.
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Umbrella Policies-Customized Protection for High Earners
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Business owners or executives—are increasingly at risk from threats to their assets and personal wealth. Most people have a portfolio of personal insurance policies, but a business owner or a top executive has a much different level of risk and should have a greater awareness of that risk—and the tools to protect him or herself.
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Legalizing Marijuana Raises Legal Issues for Employers
As legalization of medical marijuana has become a reality for some states, Employers, especially those with workers in different states, should be aware of the new legal ramifications for a social and political issue that will get plenty of scrutiny in the future.
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Property and Casualty Commercial Insurance 2017 - A Good Time to Re-Examine Strategies
 Property and casualty insurance experts say that insurance rates are likely to remain about the same, and perhaps even go down a little in some areas. Depending on how aggressive insurance carriers are going after new business, 2017 rates will probably be comparable to 2016.
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Cyber Privacy Law and Governance in the Spotlight After US Election
 December 5, 2016 -- Throughout the election cycle, anxiety over cybersecurity was a central theme, raising issues that businesses and government will face for years to come.
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Judge Blocks Overtime Rule Set to Take Effect December 1
 November 23, 2016 -- On Tuesday, November 22, a federal judge issued a nationwide injunction blocking the U.S. Department of Labor (“DOL”) from implementing its new overtime rule scheduled to take effect December 1, 2016.
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Environmental Risk - Finding the Help You Need in this Highly-Regulated Area
 Sept. 15, 2016--Environmental regulations affect all kinds of business, whether it's emissions, water pollution, shipping of hazardous material, keeping chemicals onsite, and more. This is becoming an area to look at when any company assesses risk.
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The Need for Flood Insurance
 July 6, 2016 -- Ten inches of torrential rain. A “once-in-a-thousand-year” flash flood. A total of 25 deaths in five counties. More than 1,200 homes destroyed, roads washed out, and entire towns left in ruins.
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2015 & 2016 Cyber & Data Security Risk Survey Report
Ju  ne 8, 2016-- Marsh & McLennan Agency conducted a survey to find out how and what small and mid-sized employers are thinking about cyber and data security risk and the insurance protection available to them.
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MSBAIT Risk Protection Program Through Marsh & McLennan Agency
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Marsh & McLennan Agency is the only endorsed insurance agency for property, casualty and workers' compensation insurance for MSBA member schools.
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Commercial Property and Casualty Insurance in 2016 - New trends and opportunities
 Dec. 9, 2015--The commercial property and casualty insurance industry saw a lot of positive developments in 2015, along with new challenges in the area of technology and cyber liability.
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Social Engineering Impersonation Fraud
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Sept. 8, 2015--Impersonation fraud, also referred to as social engineering, can take several forms. It often occurs when a criminal pretends to be a high-level executive, a CEO for example, requests a wire transfer from a lower-level employee.
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Duluth Builders Exchange Group Safety Dividend Insurance Program
 The Duluth Builders Exchange Group Safety Dividend Insurance Program delivers reliable insurance protection with preferred rates and a chance at getting an “insurance refund” through a local agency committed to your industry and our community.
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Is captive insurance a good fit for your company?
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May 10, 2015--Considering that the model can save companies money by allowing them to self-insure and (in many cases) band together with similar companies, it’s no wonder that captive insurance is a concept that continues to grow.
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Loss Control for Construction Contractors
 Wednesday, May 27, 2015, 8-10:30 AM - Brooklyn Park, MNJoin us for an in-depth discussion on current issues surrounding risk in the contracting world.
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On-Site Clinics
 Thursday, June 11, 2015, 8:30-11 AM, Brooklyn Park, MNOverview of on-site clinics and how implementing them can reduce health care costs.
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Loss Control for Contractors
 Wednesday, May 27, 2015, 8-10:30 AM - Brooklyn Park, MNJoin us for an in-depth discussion on current issues surrounding risk in the contracting world.
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Health Care Ricochet - How the ACA Affects Workers’ Comp
 Event PostponedIn this panel presentation, you’ll hear directly from insurance carriers how they see the interconnectedness affecting employers.
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Succession Planning and Knowledge Transfer
 Thursday, June 4, 2015, 8:30-11 AM - Golden ValleyLearn the skills needed to develop succession and knowledge transfer programs.
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Anthem Cyber-Attack
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Feb. 11, 2015--On Wednesday, Feb. 4, Anthem Inc. released news that it was the victim of a cyber-attack in which the personal information on 80 million individuals was stolen. Anthem notes that its internal investigation is ongoing.
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News Release - Survey Spurs Marsh & McLennan Agency to Educate Mid-Market Employers on Cyber and Data Risk
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Jan. 20, 2015--Marsh & McLennan Agency LLC (MMA) is launching a focused effort to increase awareness of the cyber and data risks facing small and midsize employers.
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Business Insurance Outlook for 2015
 Dec. 23, 2014--As 2014 winds down, businesses are looking ahead and planning for 2015. In property and casualty insurance there is less upheaval and change, but businesses still need to think carefully about their strategy for 2015 and beyond.
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US Senate Adjourns for 2014 Without Reauthorizing TRIPRA
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Dec. 19, 2014--The US Senate adjourned for the year last night without reauthorizing the Terrorism Risk Insurance Program Reauthorization Act of 2014 .
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Property & Casualty Update - July 2014
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July 20, 2014--The Property & Casualty insurance marketplace has been quiet lately. Insurers have been seeing good profits, rates have been relatively stable, and there’s not a lot of risk in the market overall.
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2014 Cyber & Data Security Risk Survey Report
 Nov. 20, 2014--Marsh & McLennan Agency (MMA) recently completed a survey of 582 companies across the United States, asking about their perceptions of and exposures to cyber risk.
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Materials Employment Law Briefing 2015
 Learn the latest developments including legislative, regulatory, and case law updates.
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Seminar -- An Introduction to Total Worker Health
 Recorded on Thursday, February 26, 2015, Duration: 2 HoursLearn how to use total worker health to prevent risk to your company.
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Ebola Preparedness Resources
 Oct. 21, 2014--The Ebola Response Center contains links to articles and other resources, including an upcoming Webinar discussing the virus, what’s occurred so far, appropriate precautions and even pandemic preparedness.
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Low-Tech Cyber Risk
 Sept. 30, 2014--A recent study by Beazley P.L.C., that some in the industry media have picked up on, states that cyber breaches are most commonly caused by non-technical issues rather than sophisticated hacking schemes using malware or spyware.
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Disaster Preparedness Update
 Sept. 24, 2015--Business owners have become aware of the need for disaster planning. It seems that “100-year-events” are becoming more frequent, and whether it be tornadoes, flooding, or other natural disasters, no one wants to be caught unprepared.
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Unwitting Victims - Target data breach shows smaller companies are at risk
 August 1, 2014--In December 2013, consumers were rocked by the news that Target, one of the nation’s largest retailers, had suffered a massive data breach. So why should small- and medium-size businesses be concerned?
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Changes to Minnesota’s Anti-Indemnification Impacts You and Your Construction Contracts
 April 1, 2014--On August 1, 2013, Minnesota’s legislature enacted a significant amendment to the statute governing indemnification and risk-shifting in construction contracts. Learn the details about it and the actions you should take.
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Seminar--January 2014 Labor & Employment Law Presentation
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View the presentation from the January Labor & Employment Law seminar.
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What Companies Should Know About Cyber Liability
October 21, 2013--In this article, Dan Hanson, Director of Management Liability, provides some insights into what companies should know about cyber liability, and why cyber liability insurance should be part of a company’s portfolio of policies.
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Why Private Companies Need D&O Insurance
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Sept. 26, 2013--Privately held organizations can fall victim to lawsuits that can impact the company and its officers and board, making it imperative that they, too, seek the protection provided by Directors & Officers Liability (D&O) insurance.
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Understanding the Value of Integrated Risk Prevention
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Sept. 10, 2013--Developing a results-oriented risk reduction plan and supporting it with a well-structured insurance program can help companies reduce overall risk costs. But that can be easier said than done.
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School Insurance Products & Services
 With access to multiple insurance carriers, we are able to structure a school district insurance program that provides the protection necessary to run a high-functioning organization.
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Schools Overview
 We help schools throughout Wisconsin and Minnesota contain and manage insurance premium and risk costs, reduce accidents and keep employees safe and productive.
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Briefly From Bill - Cyber Security Issues Affect Small and Midsize Companies Too
 May 10, 2013--Cyber-crime, network security, denial of service attacks, data breach. These terms had little relevance to anyone other than a handful of IT dudes scattered in basements somewhere in Silicon Valley until relatively recently.
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Cyber Liability: The Cost of a Data Breach
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May 7, 2013--One of the most common questions we receive is: ”What is the cost to my organization if I fail to protect the confidential information of others?”
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Cyber Liability: Determining What Information is Confidential
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May 7, 2013--Clearly, for an organization to understand their risk to a confidential information breach, it first has to understand what type of information may be considered confidential.
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Cyber Liability: Understanding Third-Party Exposure Risks
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May 6, 2013--Failing to protect the confidential information of others creates many exposures to your business. At a high level these exposures can be broken down into third-party exposures and first-party costs to your business.
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News Release - Excellence in Risk Management
 New York, April 22, 2013 – Senior executives and risk professionals are more aligned than ever on their views of the role that risk management should play in strategic planning.
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Cyber & Data Security Risk Survey Report
 Marsh & McLennan Agency conducted a survey to find out how and what small and mid-sized employers are thinking about cyber and data security risk and the insurance protection available to them.
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Preventing Talent Voids
 April 18, 2013--The workforce is aging, more people are retiring or approaching retirement than are joining the workforce, and education systems seem to lag behind the needs of business. Getting ahead of this trend can help you prepare your organization and position it for the future.
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Cyber Liability Protection - old
 MMA is experienced and knowledgeable on cyber liability risk and the insurance products available to protect you in the event of a breach.
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News Release - Commercial Flood Insurance Rates Jump Availability Declines as Upper Midwest Flood Danger Looms
 MINNEAPOLIS, March 28, 2013—Commercial flood insurance prices are rising as underwriters attempt to recoup significant flood losses sustained by Superstorm Sandy.
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Briefly From Bill - Three Upcoming Risks for Employers
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May 31, 2012--Three prominent risks facing employers include the upcoming health care reform ruling by the United States Supreme Court, a changing property and casualty insurance marketplace, and the pending storm season.
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MN DEED Survey
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Dec. 28, 2011--Most Minnesota manufacturers are predicting 2012 to be as good or better than 2011, according to a Minnesota Department of Employment and Economic Development (DEED) report.
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Insurance Market Changes - November 2011
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Nov. 14, 2011--At RJF, we're seeing effect from this hardening market, including less available coverage, less favorable terms for policy holders like higher deductibles and lower limits, tighter underwriting scrutiny, and higher insurance premiums.
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What to know about cyber liability policies
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Feb. 13, 2013--In this interview with Dan Hanson, management liability director, you'll learn what types of coverage are provided by cyber liability insurance policies, how companies can analyze their actual risks from these “virtual attacks.”
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Concealed Carry in Wisconsin
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Sept. 30, 2011--Wisconsin has passed legislation that permits licensed and trained individuals to carry a concealed weapon. The bill, which will take effect Nov. 1, 2011, also allows people to carry loaded, uncased guns in their vehicles.
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Beyond OSHA compliance--How an increased safety focus can benefit employers
 Jan. 30, 2013--Risk & Safety Consultant David Rumsey discusses OSHA compliance and overall workplace safety, and how they can work together to positively impact a company’s bottom line.
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OSHA Seminar Video Promo
 Jan. 29, 2013--Risk & Safety Consultant David Rumsey discusses why you ought to attend the upcoming seminar, OSHA Audits & How to Defend Against Them.
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Webinar--Emod Calculation Changes
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Recorded on September 26, 2012, Duration: 30 minutes
Beginning January 2013, the NCCI will make changes to how an employers’ experience modification factor is calculated, which may influence your insurance rates. Learn how these changes may effect you.
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Covering Your Bases - Insuring Against Disasters
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June 8, 2012--Business owners need to understand how their insurance will respond after a disaster and what their role is. After a disaster, policyholders should be prepared to secure the loss site, notify the insurer, and prepare to rebuild.
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Disaster Preparedness And Recovery — Useful Resources
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Sept. 11, 2012-- Preparing for what to do during and aftera disaster is a key to mitigating the impact on your business. Here's a list of Websites with useful information to help prepare for and recover from disasters and weather-related events.
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False Claims Act
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May 18, 2012--The False Claims Act is intended to discourage people and businesses from defrauding the government. If a false claims is made, individuals and companies may be subject to large penalties.
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Preventing Harm to your Fiduciaries
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Sept. 30, 2011--Any company that sponsors a 401(k) or profit-sharing plan, or welfare plan needs Fiduciary Liability coverage to protect against errors in plan administration and breaches of fiduciary duty under ERISA.
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Trends in Employment Law Claims — Looking Ahead
 Heather Roiger, MMA HR Consultant, and Dan Hanson, MMA Director of Management Liability, explore what employers can expect in 2013 employment claims and what factors will influence the potential for employment liability issues.
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NFIP Extended for Five Years
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July 6, 2012--On Friday, June 29, Congress extended the National Flood Insurance Program (NFIP) until September 31, 2017, and vowed to make it more financially sound.
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Flood Prep & Response
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July 12, 2012--Angela Wheeler, MMA claims consultant and specialist on property damage, provides some recommendations on how to safeguard your company from flood damage and what to do after a flood occurs, as well as some general flood safety tips.
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What to Expect from Your Carrier Post-Disaster
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May 15, 2012--An MMA claims consultant and specialist on property damage explains what businesses can and should expect from their carrier in the event of a weather-related catastrophe.
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Trends in Employment Law Claims — Looking Back
 Dec. 19, 2012--The increase in both employment law claims and award amounts has generated significant concern among all employers, both large and small. Here we provide a thumbnail analysis of recent years’ employment claims.
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Life Science Overview
 We think strategically to develop customized insruance and risk prevention solutions designed specifically around the needs of life science organizations, to help you manage risks and propel growth.
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Construction Overview
 No only do we deliver competitive and quality insurance programs for contractors, we also help develop safety and risk prevention initiatives and programs that take your business culture into account.
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Manufacturing Overview
 We have manufacturing insurance programs available to cover workers' compensation, fleet/auto insurance, property insurance and more, but our primary concern is to help prevent claims in the first place.
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Executive Management Liability Insurance
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An executive or management liability insurance program with gaps in it is not worth the paper it’s written on. We can identify your exposures, conclude if they are insurable, and help you determine whether insurance is the best option.
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Disaster-related Information for Employers
 This is an aggregate of multiple resources related to helping employers prepare for and recover from a disaster.
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Tip Sheet - Documenting Damages & Losses
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Nov. 1, 2012--During the claims process, you will need to provide evidence of the damage and the loss, both in terms of property damage and business interruption. Here's a checklist of the information business owners will need to provide.
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Post-Disaster - Mitigate The Impact
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Oct. 31, 2012--Following a disaster event — fire, flood, blizzard or tornado, for example — business owners are faced with a daunting aftermath. The following is an overview how to mitigate damage and increase your chances of reopening your business.
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The Changing Commercial Insurance Marketplace
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May 24, 2012--RJF's Laura Moore's piece for Finance and Commerce discusses reasons why the commercial insurance marketplace is changing, ushering in premium increases and less-favorable terms.
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Healthy Culture Great Company
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WHITE PAPER--Developing a process to change your company culture is not only an effective way to engage your workforce, it is the only way to make lasting changes to overall productivity, employee satisfaction and, consequently, the bottom line.
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Webinar--Learn the Risk Management Center
 Recorded on May 28, 2013, Duration: 45 minutes
Learn how to use the Risk Management Center to prevent risk to your organization.
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Webinar--Prevent Claims Fraud and Litigation
 Recorded on March 13, 2013, Duration: 1 hour
Learn how to keep workers' compensation insurance claims from hurting your culture and balance sheet.
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Webinar--Cyber Liability
Recorded on March 6, 2013, Duration: 1 hour
Cyber liability is an often over-looked risk that every organization faces. Is your data safe? What kind of sensitive information does your company keep that could lead to an exposure that could cause major fiscal damage.
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Management & Executive Liability Insurance
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We have a large number of products drawn from our world-wide experience and partnerships with trusted insurers.
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Management & Executive Risk Prevention
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An executive or management liability insurance program with gaps in it is not worth the paper it’s written on. We can identify your exposures, conclude if they are insurable and help you decide whether insurance is the best option for protection.
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Life Science Risk Prevention
 In partnership with Marsh & McLennan, the premier global provider of advice and solutions in risk, strategy and human capital, we can service any benefit or property/casualty need, nationally or internationally.
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Life Science Insurance
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We provide a portfolio of insurance offerings designed to keep pace with your growing business.
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Clinical Trials Protection
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As life science organizations increasingly turn to global markets to conduct clinical trials, they become exposed to new risks. We offer clinical trial insurance protection through two primary sources: Chubb and Marsh.
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Construction Insurance
 We can provide access to all types of insurance common for companies in the construction industry.
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Construction Risk Prevention
 Beyond providing insurance, we can help eliminate construction and contractor risk.
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Industry & Coverage Specialization
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We focus on the following industries & specialty insurance lines: Manufacturing; Construction; Schools; Auto Dealers; Bike Industry; Franchising; Hospitality; Retail; Small Business; Nonprofit; Life Science; Law Firms; Surety Bonding; Executive Liability.
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Business Insurance Services & Products
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We can fulfill any insurance need you could possibly need. If you don't see what you're looking for below, just ask.
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Local to Multi-National Protection
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Because we are Marsh & McLennan Agency, you’re covered whether your firm is local, statewide, multi-state or international.
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Agriculture
Cyber & Data Risks - The Cost of a Data Breach
Thursday, April 23, 2015, 8-10 AM - Brooklyn Park, MNData breaches costs employers, on average, nearly $200 per record and are occurring more frequently than ever. Could you organization weather a $10 million dollar breach or employee mistake? Learn how to prevent your organization from falling victim.
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Cyber & Data Risks -Duluth
 Thursday, May 14, 2015, 9-10:30 AM - Duluth, MN Data breaches costs employers, on average, nearly $200 per record and are occurring more frequently than ever.
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Introduction to Total Worker Health
 Thursday, April 30, 2015, 8:30-11 AM, Duluth, MNLearn how to use total worker health to prevent risk to your company.
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Energized Approach for a Productive Workplace
 March 26, 2015, 8:30-11 AM, Golden Valley, MNCreating a safe and productive workplace takes more than developing a program for employees.
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Seminar -- Foundations of Risk Prevention Minneapolis
Thursday, October 16, 2 - 4:30 pm, Golden Valley, MN. Learn tips and skills to help your company prevent risk before anything bad happens.
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Seminar -- Foundations of Risk Prevention
Thursday, September 25, 2014, 8:30-11:00 AM, Duluth, MNLearn tools and skills to help eliminate risk.
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Seminar -- State of the P&C Marketplace & Unraveling the Underwriting Process
 Thursday, September 25, 2014, 8:30-11:00 AM, Golden Valley, MNA marketplace update question and answer session with multiple insurance carriers.
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Workshop--Cyber Liability
Tuesday, July 29, 2014, 8-9:30 AM - MINNEAPOLISData breaches costs employers, on average, nearly $200 per record and are occurring more frequently than ever. Could you organization weather a $10 million dollar breach or employee mistake? Learn how to prevent your organization from falling victim.
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Business Insurance
To prevent risk to your organization and protect you from severe harm in the event that something unfortunate does happen, proper commercial insurance is essential. Read More
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Health Care Risk Management
We’ve earned our stripes serving the leaders in our area – large institutions with ambitions to grow and improve the delivery of health care, as well as small regional hospitals and clinics that are so essential to the communities they serve. Read More
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