Knowledge Center


December 22, 2014

2015 Commercial Insurance Outlook: Decreasing Rates and Expanding Coverage

The commercial insurance outlook for 2015 shows decreasing rates and expanded coverage options. It may be the time of year when you are renewing your insurance program, or are budgeting for y...


December 15, 2014

Protect Your Patients: Tips to Prevent Nurse Fatigue

Nurses are known for working long shifts, and during the holidays this can increase. Since many full-time nurses take holiday benefit time around the end of the year, facilities rely on per d...


December 08, 2014

Surety Professionals Provide Financial Benchmarking for Contractors

There are many ways to provide market intelligence, but as surety professionals, we need to be very careful not to violate confidentialities. In the surety industry, we are privy to classifie...


December 01, 2014

Wellness Programs: A Check Up on The Graham Company

Earlier this year, The Graham Company rolled out its improved wellness program to help businesses control health care costs. We partnered with BioSignia, a company that offers a comprehensive...


November 25, 2014

Contractual Risk Transfer: Two Doors of Protection – Part III

by Carl Bloomfield, AAI, Vice President This is the third and final article in the series dealing with the topic of contractual risk transfer. To briefly recap, in Part I of this series I pro...


November 25, 2014

Contractual Risk Transfer: Two Doors of Protection – Part II

by Carl Bloomfield, AAI, Vice President In the last issue I set the stage to talk about the importance of Contractual Risk Transfer as an essential part of an effective risk management progra...


November 25, 2014

Contractual Risk Transfer: Two Doors of Protection – Part I

by Carl Bloomfield, AAI, Vice President One of the most confusing and misunderstood concepts in insurance and risk management is contractual risk transfer. However, it is one of the most imp...


November 24, 2014

Set to Expire: The Terrorism Risk Insurance Program Reauthorization Act

The Terrorism Risk Insurance Program Reauthorization Act (TRIA), a federal backstop that provides a mechanism for losses that result from acts of terrorism, is set to expire on December 31 of...


November 17, 2014

Cyber Attacks on the Rise in U.S. Health Care Industry

In a recent article entitled, “Your Medical Record is Worth More to Hackers than Your Credit Card Security,” Reuters reported cyber criminals are increasingly targeting the U.S. health care i...


November 10, 2014

Property and Casualty Insurance Coverages 

What is property & casualty insurance? Property and casualty insurance (P&C insurance) provides protection from risk in two areas – first party coverage for protection against damage ...


November 03, 2014

Transitional Reinsurance Program: November Deadline

As of January 1 of this year, the Affordable Care Act (ACA) required participation by companies in three risk-spreading programs that send payments to health insurance issuers to cover high-c...


October 31, 2014

Volume VI, Issue 4: Q4



October 27, 2014

Ebola and Employer Liability Insurance

As Barack Obama appoints an Ebola czar, the Ebola virus continues to develop in real time, with confirmed cases now in the United States. As such, U.S. employers (and not just those in the he...


October 20, 2014

Pollution Liability Insurance Protects Your Business from the Dangers of Mold

One of the biggest challenges that many building construction projects face is liability arising out of mold caused by water intrusion. This is especially true of elder care facilities where ...


October 14, 2014

Controlling Insurance Costs in Assisted Living Industry

Control. For most operators, owners and CFOs in long-term care facilities, it’s not a word that comes to mind when insurance is the topic. But with price increases hitting commercial insuranc...