|Business Insurance Tips for 2018Marsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsSafety Resources- OSHA RecordkeepingOSHA’s recordkeeping requirements are designed to help employers recognize workplace hazards by keeping track of work-related injuries and illnesses. Knowing whether or not to record an injury on your OSHA Log can be tricky. Risk Assessment - Are You a Better Risk Than You Think?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.Safety Resources - AWAIR ChecklistOne of the most overlooked safety requirements is to evaluate and update your AWAIR program on an annual basis. Fall Protection StandardsProtect yourself-- Follow fall protection standards when working on a roof.Federal and State OSHA Standards on SilicaMinnesota has adopted Federal OSHA standards for respirable crystalline silica, walking-working surfaces and fall protection.Cyber Liability ProtectionMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsThe Opioid Crisis- Why Employers Need to Pay AttentionOpioid abuse across the country is increasing. Employers need to take action before this growing crisis affects their workplace.Safety Resources - Winter Slips and FallsWinter is just around the corner. Now is a good time to proactively manage your winter slips-and-fall risks by planning ahead, identifying the risks and engineering controls.OSHA Injury Tracking Live OnlineNovember 2, 2017 - OSHA Compliance Alert: Injury Tracking Application is Up and RunningSafety Resources- MN DLI Safety GrantsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsThe 4 Myths of IT Data SecurityOctober 6, 2017 - True or False: Data breaches can happen to any company regardless of size or industry.Data Breach Risks During Annual EnrollmentOctober 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?Safety Resources- Fire Prevention & ControlMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsTruck Driving & Ergonomic ChallengesLong-haul trucking is an industry that present unique ergonomic challenges.Catastrophic Disasters2017 has shaped up to be one of the worst catastrophe loss years ever recorded. What will the effect be on the insurance market?Cyber Breach - EquifaxThe Equifax incident proves that a cyber breach can happen to anyone.New OSHA Silica Standard Effective September 23Marsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsCrisis Management Part Three- PR PlanA disastrous event at work has many downsides. Intangible things like your company’s brand also needs to be considered. Public Relations must be planned and handled appropriately.Ergonomics- The Impact on Your Bottom LineMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsCrisis Management Part Two - Business InterruptionThe losses due to a business interruption can be daunting: damaged property, the affect on workers, lost sales, and the challenges of re-starting production. The better prepared you are, the quicker you can expect to overcome these kinds of setbacks.Crisis Management Part One - Plan and PrepareThe single most effective thing a business can do to overcome a disastrous event, experts agree, is to have a good crisis response system already in place.Preparing For Your Regulatory InspectionJuly 26, 2017 - There are multiple local, state, and federal regulatory agencies that can show up unannounced to your facility. Ensuring your staff is prepared is a critical element to a successful inspection.Workers Comp - Issues with Temporary, Seasonal and Contract EmployeesJuly 6, 2017 - No matter what time of the year it is, many employers use seasonal, temporary, and contract workers. These workers fill an essential role, but they come with their own risks and issues especially when dealing with on-the-job injuries aDOL Workers Comp Program to Monitor Opioid UseJune 27, 2017 - Effective June 26, 2017, the U.S. Department of Labor’s Office of Workers’ Compensation Programs instituted procedures to monitor and manage opioid prescription use under the Federal Employees’ Compensation Act.OSHA Compliance Alert OSHA Delays Electronic Reporting RequirementMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsTips for Riding Out the StormPrepare your property and your policy for severe weather.OSHA News Release- Delay in Crystalline Silica Standard EnforcementThe afternoon of April 6, federal OSHA announced a delay in enforcement of the crystalline silica standard that applies to the construction industry.Umbrella Policies-Customized Protection for High EarnersBusiness 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 andLegalizing Marijuana Raises Legal Issues for EmployersMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsProperty and Casualty Commercial Insurance 2017 - A Good Time to Re-Examine StrategiesProperty 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 probabUpdated OSHA Silica Standard aims to Keep Workers SafeMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsCyber Privacy Law and Governance in the Spotlight After US ElectionDecember 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.Drones expand business' horizonsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsPBJ Reporting & its Potential Impact on Workers' Compensation InsuranceLong-term care communities are facing additional obligations since CMS launched its Payroll-Based Journal (PBJ) system, but there are some opportunities as well. These include the potential for reductions in workers’ compensation insurance premiums.Environmental Risk - Finding the Help You Need in this Highly-Regulated AreaSept. 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. New OSHA Reporting and Drug Testing RulesSeptember 12, 2016 -- The Occupational Safety and Health Administration (OSHA) published a rule that will revise its Recording and Reporting of Occupational Injuries and Illnesses regulations.The Need for Flood InsuranceMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutions2015 & 2016 Cyber & Data Security Risk Survey ReportMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsMSBAIT Risk Protection Program Through Marsh & McLennan AgencyMarsh & McLennan Agency is the only endorsed insurance agency for property, casualty and workers' compensation insurance for MSBA member schools.Marsh & McLennan Agency's Upper Midwest Region Adds Environmental Risk & Compliance ServicesMarsh & McLennan Agency’s added six environmental health and safety compliance consultants to its Minneapolis office. This was in response to a growing need by clients in the industrial, real estate, construction, health care and energy sectors.Total Cost of RiskMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsEnvironmental ConsultingMMA Environmental can eliminate or minimize your environmental risks by delivering a uniquely integrated mix of environmental consulting, risk management and risk transfer.Commercial Property and Casualty Insurance in 2016 - New trends and opportunitiesDec. 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. Social Engineering Impersonation FraudSept. 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. Workers Compensation Fraud - A challenge and an opportunityAug. 3, 2015--Workers compensation fraud remains a big challenge for employers: it can be an expensive drain on a company’s bottom line, and it has traditionally been hard to prove. There are ways address it in a smart and comprehensive way.Duluth Builders Exchange Group Safety Dividend Insurance ProgramThe 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.Is captive insurance a good fit for your company?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. Loss Control for Construction ContractorsMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsJob site safety - Controlling losses and reducing claimsMay 4, 2015--In a time where the workforce is aging and workers’ compensation claims are a major concern, it’s likely that safety in the workplace—especially in the construction field—has never been more important.Minnesota OSHA Adopts Federal OSHA Reporting RequirementsMarch 10, 2015--Beginning March 18, 2015, the Minnesota Occupational Health and Safety Administration (MNOSHA) will adopt the Federal OSHA injury reporting requirements, which will change the types of injuries that must be reported to Minnesota OSHA.Total Worker Health IntroductionMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsAnthem Cyber-AttackFeb. 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.News Release - Survey Spurs Marsh & McLennan Agency to Educate Mid-Market Employers on Cyber and Data RiskJan. 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.Business Insurance Outlook for 2015Dec. 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.US Senate Adjourns for 2014 Without Reauthorizing TRIPRAMarsh and McLennan Agency LLC provides business insurance and corporate risk management solutionsProperty & Casualty Update - July 2014July 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.2014 Cyber & Data Security Risk Survey ReportNov. 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.Taking Ownership of Your Workers’ Compensation ProgramOct. 28, 2014--Effective management of your workers’ compensation program can deliver benefits, including a decrease in lost time claims, reduced frequency of claims and, and a lower experience modification rating, which results in a lower premium.Ebola Preparedness ResourcesOct. 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.Work Comp Claims Refile Services Bring Substantial SavingsOct. 15, 2014--Marsh & McLennan Agency Claim Analyst Dan Nyberg learned that he surpassed his yearly goal of $100,000 in client insurance premium reductions through claim refiles. That left him with five months to continue pounding out more savings.OSHA Expands Injury Reporting Requirements & Alters 300 Log ExemptionsOct. 3, 2014--The federal Occupational Safety & Health Administration updated its recordkeeping rules by expanding the list of severe injuries that must be reported to OSHA and redefining which employers must maintain injury and illness reports.Low-Tech Cyber RiskSept. 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. Disaster Preparedness UpdateSept. 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.Unwitting Victims - Target data breach shows smaller companies are at riskAugust 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?Workplace Ergonomics Fit the Job to the WorkerJuly 7, 2014--The need for good ergonomics in the workplace may not be a new message, but with workers’ compensation claims on the rise for a number of reasons, there is a new urgency to the issue. The Workers’ Compensation Experience Modification RatingThe key to reducing workers’ compensation insurance costs is controlling and reducing your experience modification rating.The State of Manufacturing® Results OptimisticMay 9, 2014--The results of Enterprise Minnesota's The State of Manufacturing survey project are intriguing. Most notable, however, is that confidence among Minnesota manufacturers is at its highest point in five years. Health Care Ricochet: New Solutions Called For as the ACA Threatens to Boost Workers' Compensation CostsMay 9, 2014--Among the least-understood and seldom discussed consequences for employers is the possible relationship between the rollout of the Affordable Care Act (ACA) and workers’ compensation claims.Six Key Workers’ Compensation Developments to WatchApril 9, 2014--Recently workers' compensation insurance coverage has been going through significant changes. These are occurring at the state and national levels, and are changing how it’s priced, what it covers and more.Top 10 Questions About the Experience Modification Rating AnsweredApril 9, 2014--Frequent questions about the experience modification rating and their answers.Manage Claims to Lower Your Workers Compensation PremiumApril 9, 2014--The best way to control your experience mod and workers' compensation insurance premiums is to analyze your safety measures, then address losses as they occur and after they occur using solid and proven claim management procedures.How to Ensure Your Experience Modification Worksheet is AccurateApril 8, 2014--The experience modification worksheet is a tool used by rating bureaus when calculating your workers compensation premiums. Errors on this document, while rare, do occur and can add costs to your workers’ compensation premium.Understanding the Experience Modification RatingApril 8, 2014--The experience modification rating (EMR) is the single aspect of the calculation used to determine your workers’ compensation insurance premium over which you have control. It can have an impact on the cost of work comp coverage.Changes to Minnesota’s Anti-Indemnification Impacts You and Your Construction ContractsApril 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. Regulatory Changes for Commercial DriversNov. 26, 2013--Commercial drivers throughout the United States should be aware of upcoming changes to medical certification and commercial drivers license (CDL) requirements issued by the federal government. These changes go into full effect in 2014.Reducing Workers' Compensation Losses Case Study - RRTFind out how MMA helped this Minnesota employer lower its workers' compensation insurance losses by more than $156,000 and improve its loss ratio by 68%.What Companies Should Know About Cyber LiabilityOctober 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 policiesWhy Private Companies Need D&O InsuranceSept. 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. Understanding the Value of Integrated Risk PreventionSept. 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.School Risk PreventionIn addition to school insurance, our in-house consultants offer safety consulting; claims management, advocacy and reduction; human resource consulting; health management and wellness consulting; employee benefits; and management liability insurance.School Insurance Products & ServicesWith 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. Schools OverviewWe help schools throughout Wisconsin and Minnesota contain and manage insurance premium and risk costs, reduce accidents and keep employees safe and productive. Briefly From Bill - Cyber Security Issues Affect Small and Midsize Companies TooMay 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.Cyber Liability: The Cost of a Data BreachMay 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?”Cyber Liability: Determining What Information is ConfidentialMay 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.Cyber Liability: Understanding Third-Party Exposure RisksMay 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. News Release - Excellence in Risk ManagementNew 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. Cyber & Data Security Risk Survey ReportMarsh & 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.Cyber Liability Protection - oldMMA is experienced and knowledgeable on cyber liability risk and the insurance products available to protect you in the event of a breach. Wellness Program Band-AidSept. 30, 2011--Focusing on behaviors is like putting a Band-Aid on a tumor. To impact the causes of poor wellbeing, companies need to focus on how people think about their choices and strengthening judgment.News Release - Commercial Flood Insurance Rates Jump Availability Declines as Upper Midwest Flood Danger LoomsMINNEAPOLIS, March 28, 2013—Commercial flood insurance prices are rising as underwriters attempt to recoup significant flood losses sustained by Superstorm Sandy. Webinar--Maximizing Your Surety CreditWednesday, September 25, 12-1 PM
More information coming soon. Please check back.Wage Continuation ReportingMay 24, 2012--The practice of wage continuation has been deemed inappropriate when the carrier is not notified of the lost time resulting in inaccurate reporting to the state bureau for unit statistical purposes regarding a company’s experience modifBriefly From Bill - Three Upcoming Risks for EmployersMay 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.MN DEED SurveyDec. 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.Insurance Market Changes - November 2011Nov. 14, 2011--At MMA, 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.What to know about cyber liability policiesFeb. 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.” Webinar--Effective Safety CommitteesRecorded on June 13, 2012, Duration: 1 hourHaving a safety committee seems simple enough, however many organizations struggle with how start and maintain an effective safety committee. While having the best intentions, a committee without the right sConcealed Carry in WisconsinSept. 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.CMV Drivers Banned From Cell PhonesJan. 4, 2012--The Federal Motor Carrier Safety Administration issued a new rule, effective, Jan. 3, 2012, prohibiting interstate commercial motor vehicle drivers from using hand-held cell phones while driving.Distracted DrivingMMA provides business insurance and corporate risk management solutionsBeyond OSHA compliance--How an increased safety focus can benefit employersJan. 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. OSHA Seminar Video PromoJan. 29, 2013--Risk & Safety Consultant David Rumsey discusses why you ought to attend the upcoming seminar, OSHA Audits & How to Defend Against Them. Webinar--Emod Calculation ChangesRecorded 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 effCovering Your Bases - Insuring Against DisastersJune 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.Disaster Preparedness And Recovery — Useful ResourcesSept. 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.Posting OSHA's Form 300AJan. 20, 2012--Employers required to maintain records of occupational injuries and illnesses are reminded to do the following by February 1 to comply with OSHA's record-keeping requirement:False Claims ActMay 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.Preventing Harm to your FiduciariesSept. 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.Trends in Employment Law Claims — Looking AheadHeather 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.NFIP Extended for Five YearsJuly 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.Flood Prep & ResponseJuly 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.What to Expect from Your Carrier Post-DisasterMay 12, 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.Trends in Employment Law Claims — Looking BackDec. 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. Life Science OverviewWe 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.Construction OverviewNo 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. Manufacturing OverviewWe 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.Executive Management Liability InsuranceAn 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.Surety BondingMMA has skilled, in-house bond professionals who can save your company time and effort when trying to find the right surety. Our professionals understand the complexities of the bonding marketplace and can find solutions to meet your demanding needs.MN Workers Comp Insurance PayrollNov. 21, 2012--The Minnesota Dept. of Commerce is changing the formula used to calculate workers’ compensation premiums. This change increases the individual weekly remuneration for officers and owners.Tip Sheet - Resources for Employees following disasterNov. 6, 2012--Following a disaster, employees need support too. We've aggregated various agencies and programs that would be of most use to employees and their families post-disaster.Disaster-related Information for EmployersThis is an aggregate of multiple resources related to helping employers prepare for and recover from a disaster.Tip Sheet - Documenting Damages & LossesNov. 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.Post-Disaster - Mitigate The ImpactOct. 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 yoAre You Emod Savvy?Sept. 26, 2012--First, a short primer. Your workers’ compensation e-mod (aka Experience Modification Rating, EMR or mod) is a multiplier used by your work comp insurance company to help determine the amount of your premium.Facts About Emod ChangesJune 14, 2012--The NCCI and MWCIA are making changes to how experience modifiers (emods) are calculated. Outlined here are some of the basic facts explaining how employers may be affected by this change to workers' compensation insurance premiums.The Changing Commercial Insurance MarketplaceMay 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.Healthy Culture Great CompanyWHITE 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.Contract SuretyContractors Need a Consistent Approach From Surety CompaniesWebinar--Learn the Risk Management CenterMMA provides business insurance and corporate risk management solutionsWebinar--Workers' Compensation 101MMA provides business insurance and corporate risk management solutionsWebinar--Prevent Claims Fraud and LitigationMMA provides business insurance and corporate risk management solutionsWebinar--Cyber LiabilityMMA provides business insurance and corporate risk management solutionsWebinar--Understanding Your Surety RelationshipMMA provides business insurance and corporate risk management solutionsSafety ConsultingMMA provides business insurance and corporate risk management solutionsCommercial SuretyMMA provides business insurance and corporate risk management solutionsManagement & Executive Liability InsuranceMMA provides business insurance and corporate risk management solutionsManagement & Executive Risk PreventionMMA provides business insurance and corporate risk management solutionsLife Science Risk PreventionMMA provides business insurance and corporate risk management solutionsLife Science InsuranceMMA provides business insurance and corporate risk management solutionsClinical Trials ProtectionMMA provides business insurance and corporate risk management solutionsConstruction InsuranceMMA provides business insurance and corporate risk management solutionsConstruction Risk PreventionMMA provides business insurance and corporate risk management solutionsIndustry & Coverage SpecializationMMA provides business insurance and corporate risk management solutionsBusiness Insurance Services & ProductsMMA provides business insurance and corporate risk management solutionsLocal to Multi-National ProtectionMMA provides business insurance and corporate risk management solutionsAviationMMA’s experienced aviation team works with our insureds to identify all their aviation insurance exposures, relying on our market access to find the best coverages and rates.Drone InsuranceMMA helps professionals who fly drones commercially.OverviewCommercial Insurance solutions that protect your firm, your assets and your employees.Business InsuranceCommercial Insurance solutions that protect your firm, your assets and your employees.Risk of Impersonation FraudMarsh and McLennan Agency LLC's Kansas City location specializes in commercial insurance and employee benefits for employers and personal insurance for individuals. Communication Tips for Surviving the Data Breach Epidemic of 2015Marsh and McLennan Agency LLC's Kansas City location specializes in commercial insurance and employee benefits for employers and personal insurance for individuals. Workers' Compensation Fraud A Challenge and an OpportunityMarsh and McLennan Agency LLC's Kansas City location specializes in commercial insurance and employee benefits for employers and personal insurance for individuals. DisasterPreparation
No amount of planning can tell you when and what type of disaster will strike your business. But there are things you can do to help ensure your business survives.
Understanding Captive InsuranceCaptive insurance companies save companies money by allowing them to self-insure and (in many cases) band together with similar companies. CyberSurveyMarsh & McLennan Agency (MMA) recently completed a survey of 582 companies across the United States, asking about their perceptions of and exposures to cyber risk.Business Insurance Outlook for 2015As 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.OverviewRisk Management is a nice start. We go further, and try to prevent risk. Claims Management & Advocacy ServicesOur experience and reputation helps ensure your claim gets the treatment it deservesSafety & Loss Prevention ConsultingWe can analyze, develop and implement safety programs for your work place.Human Resources ConsultingMMA can supplement the efforts of your current Human Resources department or provide the services of a full department at a fraction of the expense.Employment Law LineAnswers to your organization's HR, employment law, benefits and loss control questions. OverviewOur Employee Benefits programs are shaped by each client’s unique needs and business context, and are designed to ensure that clients get the best return on their benefits spending.Executive Management Liability ServicesManagement LiabilityAn 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.Life Sciences and HealthcareThe insurance needs of healthcare and life science organizations are highly specialized, and MMA provides a dedicated team with the expertise to respond.Risk Prevention for Hospitality GroupsMMA offers non-insurance risk prevention strategies for Hospitality Groups.HospitalityWe address the highly specialized risk management and insurance needs of the hospitality industry.Alternative RiskWe provide our clients access to what is referred to as the "alternative risk" market. Manufacturing Insurance Products & ServicesTrailer ManufacturingTrailer Manufacturing Insurance targets to your specific needs and exposures as a manufacturer.Bike Rental and Test Ride Liability - How to Protect Yourself and Your Bike ShopBike rentals and test rides are great ways to add revenue or help seal a deal on a bike, but they also deliver added risk to the retail bicycle shop owner. There are two primary procedures that should be followed to help protect yourself.Keys to Structuring the Proper Insurance Requirements in a (Potentially) Joint-Employer WorldMarch 16, 2016--The recent joint-employer ruling by the National Labor Relations Board threatens disruption to the franchise model. Here are some insurance-related issues to consider that can address joint-employer and employment practices issues.Why You Should Care About FDD Insurance Requirements and Franchisee ComplianceNov. 20, 2015--Many franchisors struggle figuring out what insurance requirements they need and, once they are written, enforcing them. Obviously there’s nothing to enforce until requirements are drafted. Here are five key things to consider.Why Insurance Companies Shy Away from the Exploding E-Bike IndustryJuly 2, 2013--When we started our bike shop insurance program, we did not see a lot of e-bike dealers. Once they were introduced to us however, our insurance program underwriters really needed some lessons on what e-bike were and the risk involved.Private Labeling RiskMarch 13, 2012--A lot of bicycle retailers have started selling privately labeled bicycle parts: Frames, wheels, components, etc. This brings additional risk and most shop owners' insurance policies likely won't provide protection. Why All Bike Shop Insurance Isn't Created EqualApril 18, 2012--Many bicycle retailers often buy a standard Business Owners Policy (BOP). While there’s nothing wrong with these, they just aren’t cut out for a bicycle shop.Insurance For Bike Events And Bike Shop ActivitiesMay 24, 2012--When evaluating insurance needs, there are typically a few areas that are critical for bike shop owners including risks associated with events and shop activities not tied directly to selling products.Waiver of Liability Forms--Do Courts Enforce Them?July 3, 2012--Waivers fared well in 2011 court decisions. Out of the six reported decisions, the businesses with waivers "won" in five. Bike shop owners should consider these valuable risk management tools as the conduct their business activities.Eleven Used-Bike Selling Tips To Reduce RiskMarch 12, 2013--One thing many retailers are doing is selling used bikes. Although it seems like a good formula to increase sales, it comes with a lot of increased risk. Here's 11 tips to reduce the risk associated with selling used bicycles.The Importance of Bike Rental Waivers to RetailersMarch 21, 2013--Since most bike shops rent bicycles, it isn’t surprising that I get asked a lot of questions pertaining to the importance of waivers. They are absolutely important for any bicycle retailer renting out bikes. Actual Cash Value Property Insurance Unlawful for Most Community AssociationsJuly 10, 2014--According to the Minnesota Common Interest Ownership Act, associations bound by this statute are not legally allowed to purchase property insurance policies with actual cash value (ACV) coverage unless it is the only option available.Excess & Surplus Lines InsuranceNov. 19, 2013--Excess and Surplus lines insurance is a segment of the insurance marketplace that allows consumers to buy property and casualty insurance with a greater degree of flexibility in regards to specific insurance coverage’s and negotiFireplace InspectionsNov. 7, 2013--Wood fireplaces, if not properly cleaned and inspected, pose a risk that can affect many homeowners. An association’s board of directors must clearly address the issue of maintenance responsibility and who pays for the service.Smoke AlarmsOct. 30, 2013--Having working smoke alarms in your home can mean the difference between life and death. But these life-saving devices are only effective when they're working properly. Franchisors and franchisees alike need to worry about Data Privacy and SecurityJune 18, 2014--Small businesses face increasing exposure from data privacy risks and, ultimately, entire franchise brands are exposed. If customer data is compromised at one location, the public is likely to believe it is system-wide problem.Top Five Ways to Prevent Franchisor’s E&O ClaimsMay 13, 2014--Franchisor’s E&O insurance provides protection from alleged errors, omissions or negligence in a franchisor's professional services to the franchisees. Here are some best practices to reduce the likelihood of a Franchisor’s E&O claim. The Top Six Things Franchise Systems Should Learn From The Target Data BreachFeb. 4, 2014--Although painful for Target and their customers, there are good lessons for franchisors and franchisees that can be learned from the unfortunate data breach they recently experienced.Franchising World - Reducing Your Brand’s Exposure to LiabilityNov. 27, 2013--One of the growing challenges facing franchisors and franchisees today is the threat to their brand and reputation from lawsuits, claims and incidents that happen involving other franchise locations.Five Key Protections Provided by Franchisor’s Errors & Omissions InsuranceOct. 29, 2013--Franchisor’s Errors and Omissions (E&O) insurance protects the franchisor from alleged mistakes, exclusions or negligence in their professional services to franchisees. Data Privacy Risk Exists Even When Using Merchant Processing for Credit Card TransactionsOct. 2, 2013--Franchisors often use a merchant processor for credit card transactions. With no credit card information on file, they don't have an exposure from card usage. But this does not eliminate all exposure for a franchise system.Four Ways to Reduce Products Liability Claims to Your Franchise SystemSept. 9, 2013--A recent article in Franchise Times, illustrated the lengths to which plaintiff’s attorneys are going to hold franchisors responsible for vicarious liability claims.Top 5 Franchisee Benefits of a Franchise System Insurance ProgramJuly 30, 2013--A well designed and implemented franchise system insurance program is also very important for franchisees and can greatly enhance their business.How When and Why a Franchisor Should Buy Franchisor's E&O InsuranceMay 1, 2013--Whether you are a new franchisor, an emerging system or a mature franchisor, you should know and understand how a Franchisor’s E&O policy can help protect your business through your lifespan. Why Buying Insurance on Price Alone Can Hurt YouMay 2, 2012--Franchise owners often think insurance is a commodity, but there is much more to it. Often the lowest-cost insurance product will not give you the protection from the risks that are the most likely to affect your business.Reducing Independent Contractor Risk From Your Franchise BusinessJune 26, 2012--Independent contractors can be an effective tool to help manage labor costs and many independent contractors like the flexibility that comes with this type of employment. But they also bring with them very real risks to the business.Five Key Guidelines to Writing Proper Franchise Insurance RequirementsMarch 27, 2013--One area that can leave both the franchisor and franchisees with significant exposures is compliance (or non-compliance) with the FDD insurance requirements. Let’s address the proper ways to manage franchise insurance requirements.Franchise Organizations Should Enter Social Media With Eyes Wide OpenAugust 28, 2012--While social media can be a great tool, (I’m using it right now) it is not without risk to your franchisees and franchise system. Social networking can present risk in many ways to a franchise business.Social media legal considerations for franchisorsAugust 28, 2012--From a franchisor perspective, thought needs to be put into the role that social media and social networking will play in the franchise system, and decisions should be documented in the franchise agreement and social media policies.IFA Convention and Franchisor's E&OFeb. 22, 2012--At the recent IFA Annual Convention I was encouraged by the amount of optimism I heard from franchisors. But with franchise system growth comes liability. Franchisor's E&O insurance can provide a "backstop" of protection.FDD Insurance Requirement ComplianceFeb. 20, 2012--Over 80% of franchisors I speak with do not maintain a regular method or system to ensure that compliance with FDD insurance requirements is happening. Unfortunately, that could mean disaster for the franchisees and franchisor alike.Top Six Ways Franchisors Can Reduce Vicarious LiabilityOctober 29, 2012--Vicarious Liability is the term given to the fact that you, the franchisor, could be held liable for acts arising out of your franchisees’ activities or inaction. Learn how you can reduce this risk to your businesss.Top Four Ways Vicarious Liability Affects FranchiseesNov. 8, 2012--Vicarious liability is an important issue for franchisees, and the more steps you take to prevent these issues from happening, the healthier your business and the franchise system as a whole will be.AgricultureAgriculture - Agriculture touches more people, more families and more businesses than any other industry in our region. It’s truly the lifeblood of our economy.That’s why Howalt+McDowell, a Marsh & McLennan Agency has worked so hard to build a team of unrivaled experts who understand both the risks that come with a life in Ag and the people who make their livelihoods in it.Workshop--Getting Back to Business-Disaster Preparedness and RecoveryThursday, February 20, 2014, 8-12 PM - MINNEAPOLIS
Natural disasters and man made catastrophies can bring normal community and busniess activities to a screaching halt. Learn how to minimize the impact of a disaster and get back to business faster whWorkshop--Cyber LiabilityTuesday, July 29, 2014, 8-9:30 AM, Brooklyn Park, MN -Data breaches cost 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 preventBusiness InsuranceHealth Care Risk Management|