Generated by All in One SEO v4.9.8, this is an llms.txt file, used by LLMs to index the site.

# KMRD Partners

Risk Management & Human Capital Solutions

## Sitemaps

- [XML Sitemap](https://kmrdpartners.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Updated News: Big Changes Started 4/1/24 for the PCRB Experience Rating Plan](https://kmrdpartners.com/2024/09/11/updated-news-big-changes-started-4-1-24-for-the-pcrb-experience-rating-plan/) - The Pennsylvania Compensation Rating Bureau (PCRB) changed the manner in which experience modifications factors are calculated. This change took effect for policies renewing after April 1, 2024. Outlined below are the key changes: The eligibility threshold will be lowered from $10,000 to $5,000. Result: This means smaller businesses who were not previously eligible for the
- [Public Company Governance Best Practices Lowers Risk and Increases Results](https://kmrdpartners.com/2024/06/09/governance-best-practices/) - Public Company Governance Best Practices Lowers Risk and Increases Results
- [Fleet Risks Ahead.  Fatal Crashes Doubled after States Legalized Marijuana](https://kmrdpartners.com/2016/06/24/auto-fleet-risks-ahead-fatal-crashes-doubled-after-states-legalized-marijuana/) - The AAA Foundation for Traffic Safety’s report, “Prevalence of Marijuana Involvement in Fatal Crashes: Washington, 2010-2014,” found fatal crashes involving drivers who recently used marijuana doubled after the state legalized the drug in December 2012. When there is risk ahead, you can count on KMRD Partners Risk and Insurance Solutions for a common sense approach
- [NAFA Meeting on EV Fleet Risks](https://kmrdpartners.com/2024/03/27/ev-risks-and-insurance/) - Representing KMRD Partners, Branch President, Bob Dietzel, made a presentation to the National Association of Fleet Administrators (NAFA) in Whippany, New Jersey entitled "Insurance risks and considerations when planning for EV’s in your fleet". Bob was asked to speak about risk and insurance issues of incorporating Electric Vehicles into commercial fleets. For a copy of
- [Worldwide Broker Network European Regional Conference](https://kmrdpartners.com/2024/02/07/worldwide-broker-network-european-regional-conference/) - Representing KMRD Partners, a Foundation Risk Partners company, our International Practice Leader, Ingrid Dunlap, attended the Worldwide Broker Network European Regional conference in Stockholm, Sweden. She joined 280 other insurance professionals from over 70 countries. Participation in WBN conferences is paramount to our success supporting our clients’ growth beyond traditional US borders. Continuing to strengthen
- [Mergers and Acquisitions - Insurance & Risk Issues](https://kmrdpartners.com/2023/09/26/mergers-and-acquisitions-insurance-risk-issues/) - Risk and Insurance Issues Regarding Mergers and Acquisitions – 2 Myths & 3 Lessons Over the years our risk, insurance and human capital advisory firm KMRD Partners has supported companies contemplating a merger, acquisition or sale with due diligence and other risk related issues. Here are some things to consider, along with five important lessons
- [Big Changes Starting 4/1/24 for the PCRB Experience Rating Plan](https://kmrdpartners.com/2023/08/30/pcrb-experience-rating-plan/) - Authored by Ingrid Dunlap A statement was recently released by the Pennsylvania Compensation Rating Bureau that the Pennsylvania Insurance Commissioner has approved the revised Experience Rating Plan on August 18, 2023. Below are the key points being made that we should be aware of. Key changes to the approved Experience Rating Plan (ERP) are as
- [Personal Lines Marketplace Challenges](https://kmrdpartners.com/2023/08/29/personal-lines-insurance-market/) - “The price of staying where you are could be much greater than the price of change.” After a discussion at KMRD Partners about how we are in the worst Personal Lines market since the early 1990’s the following was brought to light: Geico, in New Jersey, states that we can expect personal auto rates to
- [Why is Incident Reporting and Investigation a Vital Component of Workplace Safety?](https://kmrdpartners.com/2023/06/15/incident-investigation-and-reporting/) - Incident reporting lets workers report an accident or a near-miss incident. The goal is to promote safety and prevent future incidents by learning from past events. Did you know that incident reporting is one component of workplace safety? Incident reporting helps organizations make informed decisions for employee training and safety programs. Investigations may identify
- [We Have Some Exciting News to Share!](https://kmrdpartners.com/2023/08/22/we-have-some-exciting-news-to-share/) - We have some exciting news to share! Our very own Carol Mosteller is the Five Star Home/Auto Insurance Professional 2023 Award Winner as seen in Philadelphia Magazine. A blue ribbon panel of industry experts reviews a list of candidates backed behind extensive research that allows no more than 7% of professionals in each category to
- [Remote Workforce Woes Webinar Recording](https://kmrdpartners.com/2023/04/12/remote-workforce-woes-webinar-recording/) - For those who missed our webinar on “Remote Workforce Woes Webinar”, here is a recording! Our experts discuss the top challenges faced by employees with the new norms of a work from home workforce. Chris Van Buren from KMRD will be joined by Ingrid Dunlap (Risk Manager at KMRD Partners), Brian Kitchen (Director in Kreischer
- [Incident Investigation and Reporting Webinar Recording](https://kmrdpartners.com/2023/06/22/incident-investigation-and-reporting-webinar-recording/) - For those who missed our webinar on “Incident Investigation and Reporting”, here is a recording! Our experts discuss how you should respond to incidents, whether large or small and how it has a direct impact on your ability to prevent future occurrences. Ingrid Dunlap (Risk Manager at KMRD Partners) is teamed up Kate Maness (EHS
- [KMRD Partners Ranks High in Risk Customer Satisfaction](https://kmrdpartners.com/2019/01/11/kmrd-ranks-high-in-risk-customer-satisfaction/) - In the fall of 2018, we sent out a survey to our clients to better understand and meet their needs, and find out how we are tracking in terms of providing real value. The results were impressive - and yet, there is still room for improvement. We would like to offer all of our customers our
- [On Top of PR Video Podcast - Crisis Communications Insurance](https://kmrdpartners.com/2022/11/15/on-top-of-pr-video-podcast-crisis-communications-insurance/) - Did you know... Bob Dietzel was the guest on the latest podcast of "On Top of PR" about Crisis Communications Insurance. Bob joins host Jason Mudd from Axia Public Relations to talk candidly about the insurance you may not know you needed for the crisis you never planned for. Five things you’ll learn from this
- [KMRD + Feed My Starving Children MobilePack 2022](https://kmrdpartners.com/2022/10/14/kmrd-feed-my-starving-children-mobilepack-2022/) - Behind the Scenes at a ‘Feed My Starving Children’ Meal Pack On a Thursday evening in early October, the multi-purpose room at Delaware Valley University in Doylestown, Pa., was transformed from a large, empty room into a low-tech factory with dozens of production lines. Over the next four days, more than 3,000 volunteers working in
- [Talent Retention and Acquisition Webinar Recording](https://kmrdpartners.com/2022/11/02/talent-retention-and-acquisition-webinar-recording/) - For those who missed our webinar on “Talent Retention and Acquisition Webinar”, here is a recording! Our experts discuss the talent acquisition challenges that they face in the job market today and what retention strategies they use to keep their employees. Ingrid Dunlap from KMRD will be joined by John Baldino (President of Humareso), Deborah
- [Navigating the Changing Landscape of Cyber Insurance Webinar Recording](https://kmrdpartners.com/2022/10/26/navigating-the-changing-landscape-of-cyber-insurance-webinar-recording/) - For those who missed our webinar on “Navigating the Changing Landscape of Cyber Insurance”, here is a recording! Our experts discuss the rapidly changing cyber insurance market and provides attendees with the framework needed to meet new cyber insurance compliance requirements. Bob will be joined by URS’s Robert Pignataro (Co-Founder & President) and Bill White
- [Reducing Distracted Driving with "This App Saves Lives"](https://kmrdpartners.com/2021/05/13/distracted-driving-2/) - For those who missed our webinar on reducing distractive driving with "This App Saves Lives" ... here is a recording! At KMRD Partners we believe that risk management shouldn't just be seen through an insurance lens. Rather it should also be viewed as a way to make everyday life experiences safer. We always look for
- [The Impact of Recent Healthcare Plan Transparency Regulations on Your Healthcare Plans](https://kmrdpartners.com/2022/06/07/healthcare-transparency-regulations-webinar/) - For those who missed our webinar on "The Impact of Recent Healthcare Plan Transparency Regulations on Your Healthcare Plans", here is a recording! Our experts discuss what the No Surprises Act and the Transparency in Coverage rules means to health plans and what employers need to do to protect themselves. What you will learn... Why
- [Social Engineering Webinar: How Criminals Exploit Human Behavior and How to Protect Your Enterprise](https://kmrdpartners.com/2019/11/20/social-engineering-webinar/) - Social engineering is the art of exploiting human psychology to gain access to buildings, systems or data. Join us for this free webinar to learn how social engineering works and what to do to protect employees and your enterprise. Join top risk management and cyber insurance experts for an interactive discussion on how to protect
- [Lowering Healthcare Insurance Costs While Improving Benefits](https://kmrdpartners.com/2021/11/07/lowering-healthcare-insurance-costs-while-improving-benefits/) - For those who missed our webinar on "Lowering Healthcare Insurance Costs While Improving Benefits", here is a recording! Hear Chris Van Buren (KMRD) and Dave Chase (Health Rosetta), talk about how some employers in the US drastically reduced their costs while improving benefits. In these enormously challenging times in business, look to your health plan
- [What is LifeBrand with KMRD Partners](https://kmrdpartners.com/2022/02/07/what-is-lifebrand-with-kmrd-partners/) - By KMRD Partners KMRD Partners sat down with LifeBrand CEO, TJ Colaiezzi, to get the inside scoop about the company's mission and what they can do for you. WARRINGTON, PA, February 7, 2022 - On December 21st, KMRD Partners had the pleasure of co-hosting the "What is LifeBrand" webinar with the LifeBrand team. Co-Founder and
- [Social Engineering Explainer: Webinar Recap with Video and Text Option](https://kmrdpartners.com/2020/02/06/social-engineering-explainer/) - On January 29, 2020, Ankura Consulting and KMRD Partners partnered to host a free webinar on how social engineering. Watch the webinar as Brian Heun and Clay Blankenship explain how cybercriminals use social engineering to manipulate employees into divulging sensitive information and how organizations can protect employees and secure assets from cyber attacks. You can watch a
- [The New Minimum Standard of Cyber Security Webinar Recording](https://kmrdpartners.com/2022/04/26/cyber-security-standards/) - For those who missed our webinar on Cyber Security Standards, here is a recording!
- [Nonprofit Insurance Needs](https://kmrdpartners.com/2022/04/08/nonprofit-insurance/) - Nonprofits face a broad array of risks. Securing the proper insurance coverage is vital to protect the people and assets that support the organization in fulfilling their mission. There are many challenges nonprofits of all sizes must face associated with operations, fundraising, public relations, volunteers, and more. There are several types of nonprofit insurance policies
- [KMRD Offers New Safety Software](https://kmrdpartners.com/2022/04/01/kmrd-offers-safety-software/) - By KMRD Partners KMRD has partnered with GotSafety to provide advanced yet simplified safety software WARRINGTON, PA, April 1, 2022 - KMRD Partners now collaborates with GotSafety to provide our clients with a new digital solution that manages everything safety in your company. KMRD finds it vital that our clients are not only well versed
- [An Enterprise Risk Management Approach to Establishing Whether to Purchase Pollution Insurance](https://kmrdpartners.com/2022/03/26/establishing-whether-to-purchase-pollution-insurance/) - Many companies can have potential exposure to pollution related incidents. To understand your company’s specific needs for pollution liability insurance coverage, this article includes 10 situations to help identify potential pollution-related exposures. Before reviewing these situations, though, take a look at this 5-step program to help management teams identify and remediate the full spectrum of
- [KMRD Partners Acquires Embrook Benefits; Combines Strong Service Cultures And Expands KMRD’s Human Capital Solutions Group](https://kmrdpartners.com/2019/11/06/kmrd-partners-acquires-embrook-benefits/) - New Acquisition Will Further Enhance KMRD’s HR Consulting And Employee Benefit Capabilities, Improve Benefits Delivery, And Open New Growth Opportunities. WARRINGTON, PA, November 06, 2019 — KMRD Partners, Inc. (KMRD), an award-winning provider of risk management, insurance brokerage, and human capital solutions to more than 2,000 clients across the country, is deepening its human capital
- [What to Look For In An Outsourced Risk Management Team](https://kmrdpartners.com/2022/03/19/what-to-look-for-in-an-outsourced-risk-management-team-2/) - The risk management process is the deliberate and methodical identification, measurement and prioritization of risks resulting from unplanned events. This process is paired with the application of resources to minimize, monitor and control the probability and/or impact of events that can range from the sudden death of a key person to the loss of a warehouse and
- [KMRD Recognized by Acuity Insurance for our Charitable Efforts](https://kmrdpartners.com/2021/02/26/kmrd-recognized-by-acuity-insurance-as/) - KMRD Partners is proud to be recognize as one of Acuity Insurance's most charitable partners!! WARRINGTON, PA, February 26, 2021 - KMRD was recognized by Acuity as one of it's most charitble partners with a presentation of a shrunken version of Acuity's "Charity Wheel", a full size version is permantly displayed in Acuity's lobby signifying
- [KMRD Announces New Human Resources Tool](https://kmrdpartners.com/2022/02/18/kmrd-announces-new-human-resources-tool/) - By KMRD Partners The newest addition to the KMRD resource library: the Human Resources Client Portal powered by Zywave. WARRINGTON, PA, February 18, 2022 - At the end of 2021 KMRD Partners decided to team up with Zywave, to provide our clients with an exceptional Human Resources tool: Zywave's HR Client Portal. We can finally
- [KMRD Featured in Insurance Journal's 2022 Special Report: The Charity Issue](https://kmrdpartners.com/2022/01/07/kmrd-featured-in-insurance-journals-2022-special-report-the-charity-issue/) - KMRD Partners mentioned in the 2022 Insurance Journal Special Report for their efforts in hosting and volunteering the Feed My Starving Children 2021 Bucks County Mobile Pack. WARRINGTON, PA, January 7, 2022 - Each year, Insurance Journal publishes a Special Report Charity Edition to showcase organizations that are invested in their philanthropy work. The 2022
- [Social Inflation](https://kmrdpartners.com/2022/01/14/social-inflation-3/) - By Ingrid Dunlap, Risk Manager How are people’s attitudes in society changing the future course of insurance as we know it? WARRINGTON, PA, January 14, 2022 - A popular term that has been trending in our industry over the past couple of years is “social inflation.” Social Inflation is a concept often inconsistently defined, however, because
- [Workplace Safety Committees](https://kmrdpartners.com/2022/01/05/workplace-safety-committees-2/) - This past summer, a Pennsylvania bill was passed stating safety committees need to educate their workers on substance abuse. The approval of this legislation is now encouraging businesses to re-evaluate the state of their safety committees. By Bob Dietzel, Co-Founder, and Principal WARRINGTON PA, January 5, 2022 - Pennsylvania lawmakers recently passed new legislation that would
- [2021 Health Care Trends](https://kmrdpartners.com/2021/10/18/kmrd-2021-health-care-trends/) - By Chris Van Buren, Partner WARRINGTON, PA, October 14, 2021 - The US Health Care system has been strained and stressed due to the pandemic. However, silver linings have emerged. A bright prospect was the push that accelerated change in areas where they were most needed; virtual care (telemedicine), mental health and better primary care. In
- [KMRD Partners Included in Insurance Business America 2021 5-Star Brokerage Report](https://kmrdpartners.com/2021/11/03/kmrd-partners-included-in-insurance-business-america-2021-5-star-brokerage-report/) - IBA Recognizes the Top Brokerages Who are Paving the Way For Other Firms WARRINGTON, PA - November 3, 2021 - KMRD Partners, a regional insurance broker, and risk management services firm, has been granted the title of one of Insurance Business America’s (IBA) 2021 5-Star Brokerage. KMRD was a part of the reputable list accompanied by
- [KMRD + Feed My Starving Children MobilePack 2021](https://kmrdpartners.com/2021/11/01/kmrd-feed-my-starving-children-mobilepack-2021/) - Feed My Starving Children: MobilePack 2021 Was Off the Charts! Warrington, PA, November 1, 2021 - KMRD Partners is thrilled to be back in action and participating alongside the Feed My Starving Children organization. This October, the team contributed their time, talent, and treasure as a Corporate Sponsor for the 2021 Central Bucks Feed My
- [Cancer Support Community: KMRD recognized with the 2020 V Award](https://kmrdpartners.com/2021/10/26/cancer-support-community-kmrd-recognized-with-the-2020-v-award/) - KMRD Announces the Firm's Exceptional Honor of Being Awarded with the Second Annual V Award by the Cancer Support Community WARRINGTON, PA, October 25, 2021 – The year 2020 was a year filled with panic and doubt, yet amongst all the chaos there were pockets of light. KMRD never allowed its light to dim and
- [KMRD Partners Receives Fifth University of Delaware 17&43 Blue Hen Award](https://kmrdpartners.com/2021/11/03/kmrd-partners-receives-fifth-university-of-delaware-1743-blue-hen-award/) - For the fifth consecutive year, KMRD has been acknowledged as one of the Fastest Growing Ventures by the University of Delaware’s Blue Hen 17&43 Awards. WARRINGTON, PA - November 8, 2021 - KMRD Partners, Inc., a trusted award-winning risk management and human capital solutions firm, is beyond ecstatic to announce it has been recognized for
- [KMRD Partners' Carol Mosteller Named a Five Star Award Winner](https://kmrdpartners.com/2021/10/28/kmrd-partners-carol-mosteller-named-a-five-star-award-winner/) - Carol Mosteller, Personal Lines Account Manager at KMRD Partners, Named a Five Star Award Winner For Her Sixth Year WARRINGTON, PA, October 28, 2021 – KMRD Partners (KMRD), one of the Mid-Atlantic region’s largest providers of risk management, insurance, and human capital solutions, congratulates one of their own, Carol Mosteller, by announcing her recent award from Five Star
- [The Promise of Insurtech](https://kmrdpartners.com/2017/06/19/the-promise-of-insurtech/) - Disruptive technology is poised to shake up our industry. Following tectonic plate shifts in publishing, finance, investing, telecommunications, recorded music, information technology, retail, and even ride hailing services, insurance has been added to the queue. Disruption can be unsettling. While a brave few welcome new challenges and ways of doing things, the great many prefer
- [The Benefits of Followership](https://kmrdpartners.com/2017/07/10/the-benefits-of-followership/) - As we celebrate the Memorial Day and Independence Day holidays, it is appropriate to reflect on the qualities necessary to be a good leader. The legacies of some of America’s renowned generals appear to be a good place to start. Leaders get all the credit. Nearly 100,000 soldiers and sailors followed Alexander the Great during
- [6 Critical Insurance Provisions in Commercial Leases](https://kmrdpartners.com/2017/07/17/6-critical-insurance-provisions-commercial-leases/) - Make sure to allow your insurance professional to review the insurance provisions in commercial leases prior to signing the documents. Why? Because the insurance-related risks are not always obvious and might result in a costly uninsured surprise. Commercial lease agreements can be complex and time consuming to negotiate. Business owners often fail to consult with their P&C
- [Employers Prepare for Possible 6% PA Workers Compensation Insurance Rate Hike](https://kmrdpartners.com/2017/08/28/pa-workers-compensation-insurance-hike/) - Pennsylvania employers could face a 6 percent increase in workers compensation costs later this year. Employers may also witness a spike in claims formerly capped by Impairment Review Evaluations, as well as the possibility of past claims being reopened. This increase in the PA workers compensation insurance rate - the steepest rise recorded in the
- [15 Construction Insurance Considerations to Help Manage Contractor Risk](https://kmrdpartners.com/2017/08/22/15-construction-insurance-considerations/) - Contractors should expect much more from their insurance brokers than to simply negotiate pricing and terms and conditions for their construction insurance programs. Safety, claims management, contractual risk transfer support, bid and accrual support, loss sensitive adjustment forecasting, construction defect allegation strategies and more are all important elements of a successful risk management program. Unfortunately, brokers
- [Leading Safety versus Measuring Failures - Safety Incentive Programs](https://kmrdpartners.com/2017/11/02/company-safety-incentive-programs/) - The Occupational Safety and Health Administration (“OSHA”) issued its final rule to “Improve Tracking of Workplace Injuries and Illnesses” on January 1, 2017. It addressed injury-based safety incentive programs as part of safety program management in addition to affirming the statutory prohibition on retaliating against employees for reporting work-related injuries with the following advice: An
- [7 Steps to a Better Claims Management System for Your Business](https://kmrdpartners.com/2017/10/12/better-claims-management-system/) - Involve your insurance broker in the management of your insurance claims. Why? Because better claims management will maximize your return on your insurance investment and minimize the impact of poorly managed claims and poorly negotiated settlements on your insurance pricing. Insurance claims can be complicated, time consuming and financially burdensome. Most executives lack the time, experience and
- [Sexual Harassment and Workplace Misconduct: Developing and Implementing an Effective Approach (Part Two)](https://kmrdpartners.com/2018/03/08/sexual-harassment-workplace-misconduct-developing-implementing-effective-approach-part-two/) - By John E. Garber, Jr., SPHR, SHRM-SCP and Christin Smith Myers Read Part One of this blog series here Part Two: Addressing the Challenge Developing and Implementing an Effective Approach As we stated in our previous blog post, the risks associated with a culture of sexual harassment and workplace misconduct are clear. How should they be addressed?
- [Sexual Harassment and Workplace Misconduct: The Intersection of Human Resources, Legal Compliance and Risk Management (Part One)](https://kmrdpartners.com/2018/01/31/sexual-harassment-and-workplace-misconduct-part-one/) - By John E. Garber, Jr., SPHR, SHRM-SCP and Christin Smith Myers Part One: The Challenge What is going on? News surrounding Matt Lauer, Bill O’Reilly, Charlie Rose, Al Franken, Kevin Spacey, and Harvey Weinstein and many others should be prompting organizations to examine their sexual harassment policies, procedures and more importantly, their organizational culture. It has become
- [The Importance of Making Informed Decisions: A Basic Overview of Enterprise Risk Management (ERM)](https://kmrdpartners.com/2018/04/05/enterprise-risk-management-process/) - By John E. Garber, Jr., SPHR, SHRM-SCP There are a few pitfalls associated with the “traditional” risk management approach. In the traditional approach to risk management, there is one-dimension assessment of risk, loss prevention and insurance. Risk is managed in a “siloed” manner and is typically reactionary. Risk is considered in “negative” terms. The alternative approach
- [Eliminate Workplace Hazards: Five Steps Every Business Should Take](https://kmrdpartners.com/2018/04/15/eliminate-workplace-hazards-business/) - Most risk and insurance professionals know how to recognize and eliminate workplace hazards. As in most things, an ounce of prevention is worth a pound of cure. Five Steps to Eliminate Workplace Hazards Step 1 - Know a real hazard when you see one Before you can identify and eliminate workplace hazards it's important to recognize the difference
- [Cyber Liability Insurance: Four Ways to Safeguard Your Small Business](https://kmrdpartners.com/2018/05/02/cyber-liability-insurance-small-business/) - Since big companies such as Target, with nearly 2,000 stores in the U.S., and Equifax, with more than $3 billion annual revenue, are targeted by cybercriminals, one might think small businesses would not need cyber liability insurance. This could not be farther from the truth. Unfortunately, small businesses also are targeted with depressing frequency. According
- [The Rise of the Distracted Driver; And Why Corporate Auto Insurance Rates Are Going Up](https://kmrdpartners.com/2018/05/23/corporate-auto-insurance-rates/) - With over 6 million auto accidents occurring annually, many claims managers feel overwhelmed by the number of resulting claims. In this blog post, we'll discuss distracted driving and potential implications - and provide you with a few tips on how to lower your corporate auto insurance rates. As automobiles increasingly double as entertainment centers, telephone
- [The Benefits of Enterprise Risk Management](https://kmrdpartners.com/2018/06/28/benefits-enterprise-risk-management/) - The benefits of enterprise risk management provide company leaders and other stakeholders with a structured intellectual framework to help plan for and cope with the vicissitudes of a constantly shifting business environment. The benefits of Enterprise Risk Management (ERM), a plan-based business strategy, enable business executives and senior staff members to achieve key organizational goals: Identify potential
- [Home Business Insurance: What Do I Need to Know?](https://kmrdpartners.com/2018/08/07/home-business-insurance/) - Do you really need home business insurance? For most, the answer is "yes". Here's what you need to know. A survey fielded by a national alliance of business owners and their employees who offer insurance and financial services products has indicated almost 60 percent of home-based businesses do not have proper home business insurance coverage.
- [Important Insurance Related Provisions within Commercial Contracts](https://kmrdpartners.com/2018/08/30/commercial-contract-insurance-provisions/) - Your insurance professional should review the insurance provisions in your contracts prior to signing the documents. Why? Because the insurance-related risks are not always obvious and may result in a costly uninsured surprise. Well-negotiated contracts can be the least expensive and most effective way to mitigate or transfer risks. However, contracts with customers, suppliers, and
- [New Delaware Law to Require Sexual Harassment Prevention Training Program; What You Need to Know to Secure Your Business](https://kmrdpartners.com/2018/09/18/sexual-harassment-prevention-training-program/) - By John E. Garber, Jr., SPHR, SHRM-SCP The State of Delaware joins a list of states mandating sexual harassment prevention training; KMRD recommends all Delaware employers provide interactive training as part of a comprehensive employment practices risk management program. On August 29th, it was announced that the State of Delaware has joined a growing list of
- [The Basics Of Arc Flash; And Why You Really Don’t Want To Perform The Arc Flash Hazard Analysis Yourself](https://kmrdpartners.com/2018/10/01/arc-flash-perform-arc-flash-hazard-analysis/) - By Glenn Eglinton and Bob Dietzel, ARM, CIC Hotter than the sun, with temperatures that soar as high as 35,000°F, the “arc flash” produces a blinding flash of light - followed by a dynamite-level explosion - that can vaporize metal and seriously injure anyone in its path. In this article, we’ll explain the arc flash and
- [10 Traits Of An Effective Risk Management Outsourcing Partner](https://kmrdpartners.com/2018/10/15/effective-risk-management-outsourcing-partner/) - Use this as a guide to help you choose the best risk management outsourcing partner that will best fit your company. Some risks are worth taking, while others simply aren’t. Your company’s risk control process should be placed within the latter group. This is no place for amateurs. By hiring an effective risk management outsourcing partner, your
- [Cybersecurity Starts In The Workplace; Here's How to Reduce The Risk](https://kmrdpartners.com/2018/10/24/cybersecurity-risk-reduce-workplace/) - According to research sponsored by International Data Corporation (IDC), businesses worldwide will spend more than $100 billion on cybersecurity software, services and hardware in 2020. Of this amount, IDC estimates one-third will be spent by businesses in the United States. To a certain degree, fear is driving this financial commitment. No management team wishes to
- [A Guide to 6 Types of Insurance for Nonprofit Organizations](https://kmrdpartners.com/2018/12/12/6-types-insurance-for-nonprofit-organizations/) - More than 2 million people each year find fulfillment and purpose by filling board seats in 1.6 million US nonprofit organizations. However, these individuals who are so generous with their time and talent often unwittingly assume significant risk: 63% of nonprofit organizations reported a Directors & Officers (D&O) Liability claim in the past 10 years
- [Nonprofit Insurances to Consider; Two Recommendations from KMRD](https://kmrdpartners.com/2018/12/18/2-types-nonprofit-insurances-buy-kmrd/) - More than 2 million individuals work at US nonprofit organizations as they strive to make a meaningful difference in the lives of vulnerable clients who may have nowhere else to turn. Given the importance of their work, nonprofit insurances are a critical component to their long-term viability. Nonprofit organizations should generally purchase the same types of
- [Public Announcement; Use Form-A-Tread To Create Long-lasting Non Slip Stair Treads To Prevent Workplace Injuries](https://kmrdpartners.com/2019/02/04/non-slip-stair-treads-2/) - By Bob Finkenaur and Bob Dietzel, ARM, CIC Looking for an easy and inexpensive way to reduce slips, trips and falls at your facility? In this public announcement we explain 6 qualities to look for and we introduce you to Form-A-Tread, one of the best stair tread products that companies use to improve safety on
- [Cyber Risk Transfer: Can you transfer your cyber / privacy risk contractually?](https://kmrdpartners.com/2019/03/08/cyber-risk-transfer/) - With the advent of more frequent privacy breaches, sophisticated companies are trying to push risk contractually to their vendors and even their clients. Reading a cloud hosting contract or other cloud software platform agreement, this cyber risk transfer trend is evident. Questions about cyber risk transfer which need answers – 1 - Can organizations obtain additional
- [5 Steps To Choose The Best General Liability Insurance For Your Small Business](https://kmrdpartners.com/2019/03/27/best-general-liability-insurance-small-business/) - The best general liability insurance policies are designed to protect your assets by paying for obligations incurred if someone gets hurt on the property, by your product or when anyone employed by the business causes property damage or injury. They also cover legal defense costs and any settlement or award if the small business is
- [Innovative Safety - Meet FRED; The Material Handling Robot with SuperPowers](https://kmrdpartners.com/2019/04/02/meet-fred-material-handling-robot/) - By Doug Fastuca and Bob Dietzel, ARM, CIC FRED is a hard working automated guided vehicle (AGV) that can make a difference in your business. For significantly less than other AGVs, you can be up and running with FRED in no time—without the need of IT support. Four reasons why FRED is the right choice: FRED
- [Here's How Commercial Umbrella Insurance Works](https://kmrdpartners.com/2019/04/25/how-commercial-umbrella-insurance-works/) - Unsure what is exactly covered by a commercial umbrella insurance policy? This KMRD blog post explains how it works. A company’s business liability policy outlines the maximum amount the insurance company will pay against a liability claim. So if the small business is sued $1.5 million for medical costs associated with an injury caused by
- [Here's Our Big List Of July Fourth Events And Things To Do - KMRD](https://kmrdpartners.com/2019/07/02/big-list-july-fourth-events/) - Now, 223 years later, we celebrate July 4th with a mega list of weekend events and things to do in and around the Greater Philadelphia area. Let's start with a link to show you where to watch July 4th fireworks in Philly: https://philly.curbed.com/maps/4th-of-july-fireworks-philadelphia-where-to-watch LIST OF FREE WEEKEND EVENTS Below are a few (of the many)
- [Does a Manufacturer Need Employment Practices Liability Insurance?](https://kmrdpartners.com/2019/09/22/manufacturing-employment-practices-liability-insurance/) - The U.S. Equal Employment Opportunity Commission received 84,254 discriminatory employment-practices complaints last year. In addition to lawsuits filed by private citizens, claims filed by federal, state and city regulators are causing more businesses to purchase employment practices liability insurance, known by the shorthand EPLI. Employment practices liability insurance protects an employer from an employee’s claim
- [GDPR Compliance In The USA And 7 Ways To Prepare Your Business](https://kmrdpartners.com/2019/12/11/gdpr-compliance/) - While the scope and territorial reach of European Union’s GDPR is broader, States have started the process of “falling in line” with GDPR. Until the Federal Government can reach bi-partisan grounds on a single law for the whole country, we are going to see more states being inspired by GDPR and one another. In varying
- [Social Engineering and How To Protect Your Computer From Hackers, Viruses, and Spies](https://kmrdpartners.com/2020/01/21/protect-your-computer-from-hackers/) - While Social Engineering may sound like a way to encourage people to mingle at a dinner party, it is actually a devious plot created by hackers and spies to infiltrate your computer and business networks through a number of nefarious tactics, including the following: Phishing Chances are you've been the target of a phishing attack
- [Medical Plan Spend Benchmarks; Is Your Medical Plan Competitively Priced?](https://kmrdpartners.com/2020/02/21/medical-plan-spend-benchmarks-pepy-2/) - Why employers should focus more on their PEPY spend for their medical insurance plan rather than year to year change percentages. Too often, organizations focus on the percentage increase or, in rare cases, decrease in the pricing of their medical plan when deciding what actions to take instead of focusing on their gross dollars spent.
- [Take These Steps to Reduce Your Chance of Getting Zoombombed; Plus 15 Zoom Alternatives](https://kmrdpartners.com/2020/04/06/reduce-zoombombs-15-zoom-alternatives/) - Despite telling users that Zoom is using an end to end encrypted connection, companies and schools all around the world are now finding out that Zoom does not actually encrypt “end-to-end” calls. This has led to a recent surge of security issues, including “Zoombombing” where people break into meetings uninvited. It seems just about anyone
- [Basic Ergonomic Tips For Working From Home During COVID-19](https://kmrdpartners.com/2020/04/17/basic-ergonomic-tips-covid-19/) - The sudden changes in our working habits due to COVID-19 have triggered a host of maladies - the most common types being advanced neck and back pain. Poor ergonomics in the workspace can contribute to muscle strain, muscle imbalances, and fatigue, and studies show there are more than 380,600 cases of ergonomic injuries each year.
- [Risk Management Tips for Nursing Homes in the Time of Coronavirus](https://kmrdpartners.com/2020/05/01/risk-management-tips-nursing-homes-coronavirus/) - By John E. Garber, Jr., SPHR, SHRM-SCP Over the past two months, our country has been consumed with information relating to COVID-19 as we together witness and experience an historic, still unfolding event. Our vocabulary has undergone a major update with such terms as COVID-19, social distancing, Personal Protective Equipment (PPE), and quarantine. These are terms
- [A Proven Technology Provider Offering Workplace Temperature and Screening Questionnaire Monitoring: Data Display Systems (DDS)](https://kmrdpartners.com/2020/05/08/workplace-temperature-screening-product/) - By Bob Gatta and Bob Dietzel, ARM, CIC For nearly 40 years, self-service, interactive kiosks delivered digital information and ad-based content to billions of consumers all across the world. Now, facing the outbreak and rapid spread of the coronavirus disease (COVID-19), one company is transitioning its engineering staff and committing substantial resources to develop innovative solutions
- [KMRD’s COVID-19 Response](https://kmrdpartners.com/2020/03/16/kmrds-covid-19-response/) - To KMRD friends and family, As events out of control are swirling around us, we are prepared to support you no matter what potential restrictions and limitations are imposed on us or on our community. We are finishing our preparations today in the event we are forced to limit access to our offices. Those preparations
- [2019 Year in Review; A Tremendous Year of Change and Growth](https://kmrdpartners.com/2020/02/28/2019-year-in-review/) - 2019 was a year of significant accomplishment for KMRD Partners. In a testament to the hard work of all our employees, we delivered strong reliability, customer satisfaction and innovative solutions to meet the needs of our clients. 2019 became a tremendous year of change and growth for us as a company. As we look to
- [2020: A Year Of Continued Growth For KMRD Despite COVID-19 Pandemic](https://kmrdpartners.com/2021/03/12/2020-kmrd-year-in-review/) - Despite the lockdowns and preventative measures implemented across the nation from the COVID-19 pandemic, KMRD continued to experience double-digit revenue growth, hire even more talented people - and win a few awards along the way. Let's face it, 2020 was rough by any standard - a year of unprecedented events. A new pandemic raged. Most
- [KMRD announces strategic partnership with The Hartford to Offer Small Group Benefits Products & Services](https://kmrdpartners.com/2021/04/06/kmrd-announces-strategic-partnership-with-the-hartford-to-offer-small-group-benefits-products-services/) - Small Group Accidental Death & Dismemberment, Short Term Disability & Long Term Disability Programs WARRINGTON, PA, April 6, 2021 - KMRD Partners, Inc. and The Hartford recently partnered to provide Group Benefit solutions to our valued small business clients. The Hartford's full range of employer-paid and Employee Choice BenefitsSM includes Life and Accidental Death & Dismemberment, Short Term
- [COVID-19 Resource Center](https://kmrdpartners.com/2020/03/15/covid-19-resource-center/) - KMRD’s COVID-19 Resources page is your go-to resource for the latest updates and insights on the coronavirus pandemic. Check back frequently for the latest information, helpful insights, and articles that may help you navigate this rapidly evolving situation. KMRD CLIENTS - Please read our COVID-19 FAQ How KMRD is Responding As the situation with coronavirus
- [KMRD Partners Announces Hire of Industry Veteran Greg Chaples; Expands Risk Management and Insurance Group in Warrington PA Office](https://kmrdpartners.com/2020/09/07/kmrd-partners-announces-greg-chaples-sales-relationship-manager/) - KMRD Partners (KMRD) Announces the Addition of Greg Chaples as Sales & Relationship Manager; KMRD Recently Named a Philadelphia Business Journal 2020 Best Place to Work WARRINGTON, PA, Sept 7, 2020 - KMRD Partners (KMRD), one of the Mid-Atlantic region’s largest providers of risk management, insurance, and human capital solutions, today announced the appointment of
- [KMRD Partners Named a Philadelphia Business Journal 2020 Best Place To Work](https://kmrdpartners.com/2020/09/02/kmrd-partners-named-a-philadelphia-business-journal-2020-best-place-to-work/) - RANKED AS ONE OF “AMERICA’S BEST INDEPENDENT AGENCIES TO WORK FOR”, KMRD PARTNERS (KMRD) ANNOUNCES THE FIRM HAS BEEN NAMED BY THE PHILADELPHIA BUSINESS JOURNAL AS ONE OF THE 2020 BEST PLACES TO WORK WARRINGTON, PA, SEPTEMBER 2, 2020 – KMRD Partners (KMRD), one of the Mid-Atlantic region’s largest providers of risk management, insurance, and
- [KMRD Partners Expands Risk Management and Insurance Team With Addition of Industry Executive to Join Limerick PA Office](https://kmrdpartners.com/2020/04/20/kmrd-partners-announces-jeremy-hahn-account-manager/) - Ranked as one of “America’s Best Independent Agencies to Work For", KMRD Partners (KMRD) Announces the Addition of Jeremy Hahn as Account Manager; KMRD Delivers 21% Revenue Growth in 2019 WARRINGTON, PA, MARCH 10, 2020 - KMRD Partners (KMRD), one of the Mid-Atlantic region’s largest providers of risk management, insurance, and human capital solutions, today
- [KMRD Partners Receives Third University of Delaware Blue Hen 17&43 Award for Leadership, Entrepreneurship, and Growth](https://kmrdpartners.com/2019/10/16/fastest-growing-alumni-business-2/) - Recognizing KMRD Partners for the third consecutive year, the Blue Hen 17&43 Awards build on the University of Delaware's long tradition of leadership, innovation and entrepreneurship. WARRINGTON, PA, October 16, 2019 — KMRD Partners, Inc. (KMRD), an award-winning provider of risk management, insurance brokerage, and human capital solutions, is proud to announce it has been
- [KMRD Partners Named a Top Insurance Workplace by Insurance Business America](https://kmrdpartners.com/2019/09/03/kmrd-2019-top-insurance-workplace/) - Annual Workplace Recognition Program Ranks Top Insurance Organizations Based on Anonymous Employee Satisfaction Survey Data. KMRD Partners, a regional insurance broker and risk management services firm, has been named a 2019 Top Insurance Workplace by Insurance Business America. IBA’s annual Top Insurance Workplaces program ranks leading U.S. insurance organizations based on a series of employee
- [How Liability Insurance Protects You Against Pain and Loss in Your Business](https://kmrdpartners.com/2016/09/09/liability-insurance-protects-pain-loss/) - Risk and potential loss is everywhere. What liability insurance protects you against is the potential for business ending claims - and lots of pain. It's like a life preserver no business should be without. Liability insurance protects you against the risk of liabilities resulting from lawsuits and similar claims from third party persons or organizations attributing an injury to your business.
- [KMRD XChange Risk Management System - What It Is, and Why It’s Useful](https://kmrdpartners.com/2019/05/03/kmrd-risk-management-system/) - Our award-winning, collaborative risk management system helps our team provide better customer service, faster turnaround times, and improves our ability to deliver more satisfied clients. In this article, we'll explain why XChange is such a valuable risk management support tool for KMRD. People often ask us to describe our secret sauce, and it’s not easy to answer because there
- [Invitation to Join KMRD and Smart Business to Connect with Philadelphia Business Leaders at the 2019 ASPIRE Conference](https://kmrdpartners.com/2019/05/21/smart-business-philadelphia-networking/) - Want to join KMRD team for Philadelphia's biggest dealmaking event of the year? Check out the agenda and list of speakers and then register to attend and learn from the best. Make sure to take advantage of our promo code "KMRD" to claim your $200 discount. Every year ASPIRE connects thousands of local dealmakers, including middle-market CEOs, top PE and VC firms,
- [2018 Year in Review - KMRD Partners Continues to Grow as a Premier Employer and Ranks High in Customer Satisfaction](https://kmrdpartners.com/2019/02/15/kmrd-partners-year-in-review-2018/) - As we close in on 2019, it's that time of year again - and we are extremely proud of our 2018 results. 2018 was a momentum-building year for KMRD Partners. We enjoyed strong performance across all of our business practices, continued to invest in hiring exceptionally talented people, and worked hard to improve our customer
- [Top Reasons Why KMRD Should Be Your Outsourced Risk Partner](https://kmrdpartners.com/2019/04/16/outsourced-risk-partner-reasons/) - Thinking about outsourcing risk management at your business? Well, you’re not alone. Outsourcing the risk management function can reduce costs and improve the quality of your risk management program. A key CFO role is to manage risk - and so it should come as no surprise most CFO’s want an insurance professional who is consultative,
- [What Is the Role of the Insurance Carrier?](https://kmrdpartners.com/2016/10/17/role-insurance-carrier/) - Many of the most recognizable names in American business belong to an insurance carrier. These include State Farm, Metropolitan Life, GEICO, Travelers, The Hartford, Allstate, AFLAC, Aetna and Prudential. What do these insurance carriers do? Many of these companies are financial conglomerates, selling all manner of financial services and products to consumers. To the insured,
- [2017...KMRD's Year in Review - Leading Risk Management Firm](https://kmrdpartners.com/2018/03/01/2017-kmrds-year-review-great-place-work/) - As we close in on 2018, it's that time of year again when we reflect on what's happened. 2017 has turned out to be another great year for KMRD. And more proof that KMRD is a leading risk management firm. KMRD is now a leading risk management firm and growing faster than ever before. 2017 was
- [KMRD is Hiring! Part Time Analyst - Limerick, PA](https://kmrdpartners.com/2018/09/11/part-time-analyst-limerick-pa/) - KMRD Partner's Professional Insurance Office is actively searching for a new member to join our team. KMRD Partner's Professional Insurance Office is actively searching for a new member to join our team. As a Part Time Analyst, you'll work out of our regional office in Limerick, PA alongside a talented, friendly team of people working together
- [From Gerry's Desk - New Reporting; New OSHA Requirements](https://kmrdpartners.com/2015/03/13/new-osha-requirements/) - In the past, employers were only required to report a work-related fatality or when three or more workers were hospitalized in the same occurrence. It has now changed. Employers are required not only to report all work related fatalities within 8 hours, but in addition, all work-related inpatient hospitalizations, amputations, and loss of an eye
- [KMRD Partners launches new KMRD website](https://kmrdpartners.com/2015/10/13/kmrd-partners-launches-new-kmrd-website/) - As you may have noticed, KMRD recently launched a new KMRD website. We wanted to start fresh and build our new site to deliver a better experience and maximize the ease of use for our clients and strategic partners. We engaged Christopher Mengel, an Interim CMO, to revise the KMRD website, content, structure, and more. We also
- [KMRD Partners Announces New Website Launch; Expands Access to Better Serve Clients](https://kmrdpartners.com/2015/10/13/kmrd-partners-announces-new-website-launch-expands-access-to-better-serve-clients/) - KMRD Partners Inc., a risk management and insurance agency with headquarters in Warrington, Pennsylvania and more than 600 clients nationwide, launched a new responsive website with improved access to best-practice information and tools for risk management and insurance. The new risk management website is designed to enhance client service and access to insurance forms, tools to
- [Temp Service Agency Risk & Insurance Issues – Part 1 of 2](https://kmrdpartners.com/2013/11/20/temp-service-agency-risk-insurance-issues-part-1-of-2/) - To prevent one minute from normal from arriving next time your organization hires a temporary worker, please contact your KMRD Partners relationship manager to review these and other risk and insurance considerations: General Liability - Your General Liability will apply if a temporary employee sues your company. Loss experience can be protected by obtaining an
- [KMRD welcomes Kirk Salmon to Risk Management Team](https://kmrdpartners.com/2017/07/26/kirk-salmon-hired-by-kmrd/) - KMRD Partners welcomes Kirk Salmon to KMRD's Risk Management Team! As a Sales & Relationship Manager, Kirk Salmon will work closely with select prospects to evaluate their current risk and human capital management programs versus KMRD’s highly developed benchmarks. Once a relationship is established Kirk will “quarterback” the KMRD Service team to “plug the gaps” and
- [Best Consulting Firms in Philadelphia](https://kmrdpartners.com/2010/09/15/best-consulting-firms-philadelphia/) - List of Best Consulting Firms in Philadelphia Accenture is a global management consulting, technology services and outsourcing company headquartered in Dublin, Republic of Ireland. It is the largest consulting firm in the world and is a Fortune Global 500 company. As of August 2015, the company had more than 373,000 employees across 130 countries. Accenture's
- [10 Situations When You Need Pollution Liability Insurance](https://kmrdpartners.com/2017/06/14/need-pollution-liability-insurance/) - Oil and chemical companies understand the need for pollution liability insurance coverage. But they aren't the only ones with potential exposure to pollution-related incidents. In fact, many other types of companies have uninsured pollution exposures. And it's possible there are literally thousands of companies exposed and unaware of the financial risk they currently face. We can't know for sure
- [Overpaying on Wireless?  Get A Cellular Cost Audit from KMRD Partners & OpDecision](https://kmrdpartners.com/2018/12/12/cellular-cost-audit-kmrd-partners-opdecision/) - A new study found that a quarter of a million U.S. users are paying too much for their wireless service because they miscalculate how much voice, data and test messages they use per month. The report found that people waste about $336 per year. Part of this is because many users are buying plans that don't
- [KMRD Partners Receives University of Delaware Blue Hen 17&43 Award for Leadership, Entrepreneurship, and Growth](https://kmrdpartners.com/2018/11/30/kmrd-partners-receives-university-of-delaware-award/) - Recognizing KMRD Partners for the second consecutive year, the Blue Hen 17&43 Awards build on the University of Delaware's long tradition of leadership, innovation and entrepreneurship. WARRINGTON, PA, November 27, 2018 — KMRD Partners, Inc. (KMRD), an award-winning provider of risk management, insurance brokerage, and human capital solutions, is proud to announce it has been
- [‘Volks’ Recordkeeping Rule Struck Down](https://kmrdpartners.com/2017/04/07/volks-recordkeeping-rule-struck/) - This rule made recordkeeping requirements a continuing obligation and effectively gave OSHA the ability to issue citations to employers for failing to record work-related injuries and illnesses during the 5-year retention period, contrary to the six-month statute of limitations. Now that the resolution has been signed, the Volks rule cannot take effect and OSHA is prohibited from
- [How the Right Small Business HR Solutions Keep You Safe](https://kmrdpartners.com/2017/05/05/small-business-hr-solutions/) - Gone are the days of instant success merely because you are a skilled craftsman. Today’s business owners need the right small business HR solutions and people to manage these challenges. In my role as an insurance broker, I have the pleasure of speaking with hundreds of small business owners every year. Some of these people
- [Executive Perspective: Our Time to Lead; Risk Remains When Waters Recede](https://kmrdpartners.com/2017/09/12/executive-perspective-time-lead-risk-remains-waters-recede/) - As I record these thoughts, Hurricane Irma has been downgraded to a tropical depression after having lashed Florida and more than a half-dozen Caribbean Islands. The storm led to 6.3 million Florida residents being ordered to evacuate, while more than 6.5 million are without electricity. Nearly one million Georgia and South Carolina residents are also
- [Leading in the Insurance Industry: An interview with KMRD Managing Partner Keith Boyer](https://kmrdpartners.com/2018/06/06/leading-insurance-industry-interview-kmrd-managing-partner-keith-boyer/) - The managing partner of one of the Mid-Atlantic region’s largest providers of risk management, insurance and human capital solutions opens up about KMRD and talks about how he got into the insurance business, what he looks for in potential new hires, and life outside of work. With over 2000 clients , 35 staff members, and
- [Leading in the Insurance Industry: An Interview with KMRD Co-Founder and President Kevin McPoyle](https://kmrdpartners.com/2017/12/20/insurance-interview-kevin-mcpoyle/) - The co-founder and president of one of the Mid-Atlantic region’s largest providers of risk management, insurance and human capital solutions discusses leadership, character, and what it means to care. With over 2000 clients, 35 staff members, and three offices operating in the Greater Philadelphia area, KMRD Partners is one of the nation’s fastest growing independent agencies
- [Gerry's Desk: Faulty Work of Subcontractor Does Not Constitute Occurrence In General Liability Insurance Policy](https://kmrdpartners.com/2014/01/17/gerrys-desk-faulty-work-subcontractor-not-constitute-occurrence-general-liability-insurance-policy/) - Background In the Kvaerner Metals vs National Union Fire Insurance Company ruling, the PA Supreme Court held faulty work of a subcontractor does not constitute an “occurrence" in a general liability insurance policy. If there is no “occurrence”, coverage is not triggered. Prior to Kvaerner Metals vs National Union Fire Insurance Company, the general liability
- [From Gerry's Desk - New Reporting Requirements from OSHA](https://kmrdpartners.com/2014/03/07/from-gerrys-desk-new-reporting-requirements-from-osha/) - There is a new reporting requirement from OSHA affecting all employers. In the past, employers were only required to report a work-related fatality or when three or more workers were hospitalized in the same occurrence. It has now changed. Employers are required not only to report all work related fatalities within 8 hours , but
- [Employers Should Inform Employees of Election to Reject Underinsured Motorist Coverage](https://kmrdpartners.com/2017/03/25/underinsured-motorist-coverage/) - Case Involving Underinsured Motorist Coverage Each state regulates the coverage form and requirements. For example, Pennsylvania requires all drivers purchase a $15K per person / $30K per accident bodily injury limit. Most commercial clients purchase a $1M limit. However some elect to purchase only the minimum limit required by State law because: Their drivers are not permitted
- [KMRD's John Garber Publishes an Article on Post-Injury Drug Testing Policies](https://kmrdpartners.com/2016/10/07/post-injury-drug-testing-policies/) - John Garber, Jr., CSP, SPHR, SHRM-SCP was Published in Arbill's "Safer Every Day" magazine. John's article entitled "Post-Injury Drug Testing Policies - OSHA's electronic reporting rule will impact your drug testing policies today" Click on the Magazine's cover below and go to Page 9! [columns] [/columns]
- [John Garber's Article on Building an Effective Safety & Health Management Program](https://kmrdpartners.com/2016/12/27/effective-safety-and-health-management-programs/) - John Garber, Jr., CSP, SPHR, SHRM-SCP was Published in Arbill's Winter 2016 "Safer Every Day" magazine. John's article entitled "Building An Effective Safety & Health Management Program" explores Hazard Identification, Assessment, Prevention and Control with OSHA's New Guidelines. The new guidelines provide a flexible framework for employers to utilize in developing and implementing an effective safety
- [Updates to OSHA's HazCom Standard - Safety Data Sheets - NOW IS THE TIME!](https://kmrdpartners.com/2017/04/22/updates-osha-safety-data-sheets-2017/) - With the first anniversary of the final stage of the revised OSHA Hazard Communication Standard (HCS) approaching on June 1, it's time to review requirements instituted under this revision - including updated Safety Data Sheets. The OSHA Hazard Communication Standard was revised to align with the Globally Harmonized System (GHS) of Classification of the Labeling
- [Kevin McPoyle Interview With Insurance Journal](https://kmrdpartners.com/2010/10/05/kevin-mcpoyle-interview-with-insurance-journal/) - Kevin McPoyle, co-founder of KMRD Partners was featured in Insurance Journal's Podcast. To listen, click the image above or visit http://www.insurancejournal.tv/videos/4418/ Insurance agents talk a lot about "service" and the value it adds, particularly when it comes to risk management. At some agencies, such as the fast-growing KMRD Partners, one of Insurance Journal's Best Agencies to
- [Risk Perspectives: Where are the Thought Leaders in the Risk Insurance Industry?](https://kmrdpartners.com/2017/04/25/thought-leaders-risk-insurance-industry/) - Risk insurance industry representatives are rarely asked to weigh in on the pressing issue of the day. Within our culture, thought leadership and the risk insurance industry are rarely intertwined - and I think I know why. Thought leaders in the risk insurance industry are sought out for their opinions and ideas. We are experts
- [What Can the BattleField Teach Us About Leadership?](https://kmrdpartners.com/2017/05/26/battlefield-teach-us-about-leadership/) - As we celebrate the Memorial Day and Independence Day holidays, it is appropriate to reflect on the qualities necessary to be a good leader. The legacies of some of America’s renowned generals appear to be a good place to start. When George McClellan graduated from the United States Military Academy at West Point in 1846,
- [The Power of Good Press](https://kmrdpartners.com/2017/05/30/power-good-press/) - Which industry is responsible for the following? Steps in to help put people’s lives back together again following floods, tornadoes, hurricanes and fire. Provides the means with which businesses can replace ruined property and equipment following a calamitous event. Employs approximately 2,500,000 workers in the United States, which is more than six times the membership
- [Ingrid Abell-Dunlap Joins KMRD's Risk Management Team](https://kmrdpartners.com/2017/06/23/ingrid-abell-addition-to-kmrd-team/) - KMRD Partners is grateful for the addition of Ingrid Abell-Dunlap to our risk management team! “We are very proud Ingrid chose us and our model.” explained Bob Dietzel, KMRD’s Co-founder. “She is very well respected in the industry and brings another level of international expertise to our firm.” "Ingrid's approach and process of selecting us re-validates
- [9 Steps to Avoid Negligent Entrustment - Steve Macauley / KMRD](https://kmrdpartners.com/2011/07/27/steve-macauley-avoid-negligent-entrustment/) - Steve Macauley, a Risk Manager at KMRD Partners was published by "Property Casualty 360" Agents can provide meaningful service to their clients by warning them about the risks of negligent entrustment. Negligent entrustment arises when one party (the entrustor) is held liable for negligence because he provided another party (the entrustee) with a dangerous instrument,
- [KMRD Partners Joins Worldwide Broker Network (WBN) to Reduce Cross-Border Risk](https://kmrdpartners.com/2018/01/24/worldwide-broker-network/) - KMRD Partners today announced its membership into the Worldwide Broker Network™ (WBN) – the largest fully integrated network of independent Property and Casualty and Employee Benefits Brokers in the world. An international network of insurance brokers, WBN extends KMRD’s reach around the globe and strengthens our ability structure sound, efficient international insurance programs. With this membership, KMRD can
- [Kevin McPoyle featured in The Intelligencer for His Charitable Efforts](https://kmrdpartners.com/2015/09/03/kevin-mcpoyle-featured-in-the-intelligencer-for-his-charitable-efforts/)
- [KMRD Partners Recognized as 2017 Best Insurance Agency to Work For by Insurance Journal](https://kmrdpartners.com/2017/12/12/2017-best-insurance-agency-to-work-for/) - KMRD Partners, a leading provider of risk management, insurance, and human capital solutions, was named as the Silver Winner for Best Agencies to work for by the Insurance Journal Culture, people, strong leadership, mutual respect, community care, growth, and profitability are a few of the reasons why KMRD Partners earned the award from Insurance Journal.
- [Deadline for Submitting 2016 OSHA Injury and Illness Data is Friday December 15, 2017](https://kmrdpartners.com/2017/12/15/deadline-for-osha-injury-illness-data/) - OSHA’s Injury Tracking Application(ITA) has been functional and available for use. The ITA is to be used for Electronic Submission of Injury and Illness Records to OSHA. The site can be access here. The OSHA injury reporting page contains instructions including Frequently Asked Questions. The content you should read is located at https://www.osha.gov/injuryreporting/index.html. A press release
- [KMRD Partners Recognized as Fastest Growing Company by University of Delaware](https://kmrdpartners.com/2017/11/30/2017-fastest-growing-company/) - KMRD Partners, a leading provider of risk management, insurance, and human capital solutions, wins the 2017 Blue Hen 17 & 43 Award for Fastest Growing Company from the University of Delaware. WARRINGTON, PA, October 27, 2017 — KMRD Partners, Inc. (KMRD) is pleased to be announced as a winner of the 2017 17&43 Blue Hen
- [Feed My Starving Children: MobilePack 2017 was an Amazing Success!](https://kmrdpartners.com/2017/11/15/feed-my-starving-children-mobilepack-2017/) - KMRD was recently a participant and Corporate Sponsor for the 2017 Central Bucks MobilePack. Kevin McPoyle served as the primary event organizer and was assisted by KMRD’s VP of Administration, Lisa Pascoe. Kevin mentioned, “I am so incredibly grateful to so many people for their enthusiasm, their faith in me to pull this off and
- [Kueny Insurance merges with KMRD Partners](https://kmrdpartners.com/2017/10/12/kueny-insurance-merges-kmrd-partners/) - Kueny Insurance merges with KMRD Partners to better serve our clients. KMRD Partners welcomes Kueny Insurance to its team! "This merger brings to us three folks with great personalities and a great depth and breadth of experience in not only small to mid-size business but also personal lines." said Bob Dietzel, Co-founder and Principal at KMRD
- [How to Build a Productive Insurance Underwriter/Broker Relationship](https://kmrdpartners.com/2017/05/19/build-insurance-underwriter-broker-relationship/) - When I consider friends and family who have been blessed with happy partnerships, I realize there are many roads to establishing a successful relationship. Yet, I also recognize there are a number of common factors which exist throughout the process. The same, I believe, can be said for the underwriter/broker relationship. While there are many
- [WannaCry Ransomware: Everything You Need to Know](https://kmrdpartners.com/2017/05/16/wannacry-ransomware-everything-need-know/) - Risks in a business from data breaches and other malicious cyber acts just keep on growing. Due to potential limitations of standard liability coverage when dealing with the evolving cyber environment, forward thinking organizations are transferring their risk to cyber insurance products. While WannaCry ransomware cyber-attacks have slowed since being initiated on Friday, vigilance remains the
- [How a Consumerism Strategy Can Improve Healthcare Benefits and Control Costs](https://kmrdpartners.com/2016/12/08/consumerism-strategy-can-improve-healthcare-benefits-control-costs/) - By John E. Garber, Jr. MSHRD, SPHR, SHRM-SCP, Managing Director According to the Kaiser Family Foundation, employee deductibles for health insurance have increased 67 percent from 2010 to 2015. A 2016 Employer Health Benefits Survey indicates a PPO (Preferred Provider Organization) Plan remains the most common plan type in 2016, enrolling 48%, however, “29% of covered workers
- [Here's Why You Need Automobile Liability Insurance](https://kmrdpartners.com/2017/03/08/need-automobile-liability-insurance/) - According to an estimate released by the National Safety Council, a nonprofit safety advocacy group, roadside fatalities in 2016 reached 40,200. This was a 6% gain from 2015 and a 14% gain from 2014, impacting business automobile liability insurance rates. The Council also released these troubling findings: 47% of motorists reported they are comfortable texting while
- [Workers Compensation Rate Reduction in PA](https://kmrdpartners.com/2012/08/10/workers-compensation-rate-reduction-in-pa/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? For the second year in a row, Pennsylvania’s Workers’ Compensation Rating Bureau has enacted a workers’ compensation rate reduction. The overall decrease of 4.01% went into effect April 1. Not all employers
- [Check Your Workers Compensation Loss History](https://kmrdpartners.com/2012/09/05/check-your-workers-compensation-loss-history/) - Workers’ Compensation policy purchases and renewals will likely cost more beginning January 1, 2013 for any firm with a poor loss history. This is because at the beginning of the year, 38 states will change the way premiums are calculated. The National Council on Compensation Insurance (NCCI) helps 38 states set their Workers’ Compensation rates.
- [5 Traits of a Good Insurance Broker - Kevin McPoyle](https://kmrdpartners.com/2011/08/30/5-traits-of-a-good-insurance-broker/) - KMRD is proud to announce that Kevin McPoyle was published in "Tips from the Top" a publication that is distributed nationally to all members of The Alternative Board. Below is Kevin's 5 Traits of a Good Insurance Broker: Integrity - Insurance brokers have a fiduciary responsibility to support your interests above their own and above
- [Social Media Guidelines to Limit an Agency's Risks](https://kmrdpartners.com/2011/06/06/social-media-guidelines-limit-agencys-risks/) - Bob Dietzel's suggested "Guidelines to Limit an Agency's Risks in Social Media" was published in the Insurance Journal Bob Dietzel, founder and Managing Partner of KMRD Partners was published in the June 6 edition of the Insurance Journal. Social media has become a powerful way for members of the insurance community to communicate with clients,
- [KMRD Partners - 2010 Eastern Region Best Independent Agent To Work For by Insurance Journal](https://kmrdpartners.com/2010/09/29/eastern-region-best-independent-agent/) - According to Insurance Journal, “This year, many employees are grateful their bosses have managed their agencies well through the recession and dealt with them and their fellow employees fairly and openly in these tough economic times. A few agencies have actually managed to continue to grow and this achievement has not gone unnoticed by employees.
- [KMRD Partners Named the Insurance Journal Best Insurance Agency to Work For in the East region](https://kmrdpartners.com/2010/09/10/best-insurance-agency-east-region/) - When Kevin McPoyle and Robert Dietzel founded their namesake independent agency, KMRD Partners Inc., six years ago, they aimed to create a unique business model that blended high-level expertise in risk management techniques with an agency wide emphasis on relationship-building. And they believe one of the most important relationships is with their employees. Judging from
- [12 Situations When It Makes Sense to Use KMRD to Improve Your Claims Advocacy Process](https://kmrdpartners.com/2017/04/05/12-reasons-improve-claims-advocacy-process/) - KMRD Success Stories KMRD Claims Analytics Reduced Workers Comp Costs by $369,460 KMRD Lowers Losses and Reduces Costs by $500,000 KMRD Finds Money While Redesigning Processes; Generates 2,213% ROI Note: This content is provided as general background information and should not be taken as legal advice or financial advice for your particular situation. Make
- [Why Employees Like KMRD – In Their Own Words | Video + Notes](https://kmrdpartners.com/2016/03/14/why-employees-like-kmrd/) - Ranked as one of “America’s Best Independent Agencies to Work For”, there are many reasons why employees like to work at KMRD - including experience, autonomy, purpose, inclusivity and more. But don't take our word for it. Here's what our employees have to say about working at KMRD - in their own words from the video
- [KMRD’s John Garber Nominated HR Consultant of the Year for Delaware Valley’s 2017 HR Person of the Year Awards](https://kmrdpartners.com/2017/04/03/john-garber-hr-consultant-of-the-year/) - We are proud to report John Garber, Jr., CSP, SPHR, SHRM-SCP was recently named as a nominee for HR Consultant of the Year. The Award for HR Person of the Year The Delaware Valley HR Person of the Year Award was developed in 2001 to celebrate the Human Resources industry and to recognize those in the HR profession
- [5 Top Risks In A Business; Cyber Is A Big One](https://kmrdpartners.com/2017/03/07/risks-in-a-business/) - While risks in a business can range in size and potential impact, many can lead to serious financial consequences. There are many risks in a business. Below are five that can do the most damage: Flooding Pennsylvanians can be grateful for many things, including a great abundance of scenic rivers and streams. In fact, Pennsylvania
- [Insurance Tip - What To Look For In A Professional Liability Insurance Policy](https://kmrdpartners.com/2017/01/03/insurance-tip-look-professional-liability-insurance-policy/) - A professional liability insurance policy is triggered when a firm or person fails to properly perform his or her professional duties. Because professionals are expected to have experienced technical knowledge or training in their particular area of expertise, they are also expected to perform the services for which they were hired according to standards of
- [2016...Another Exciting Year for KMRD Partners!](https://kmrdpartners.com/2017/02/22/kmrd-2016-in-review/) - KMRD’s numbers continue to tell a story of financial strength, new growth, and achieving our goals. But, there are also stories behind the numbers. And many good reasons for our success. 2016 was a terrific year for KMRD. We made a few strategic investments to our business which added tremendous value to the firm, expanded into
- [KMRD Partners Wins Award Honoring Ethics in the Workplace](https://kmrdpartners.com/2017/02/08/kmrd-partners-wins-prestigious-ethics-award/) - KMRD Partners, a leading provider of risk management, insurance, and human capital solutions, wins 2017 Societas Award for responsible corporate conduct. WARRINGTON, PA, February 09, 2017 — KMRD Partners, Inc. (KMRD) is pleased to announce that it has been selected as the Small Company winner of the 2017 Societas Award for Responsible Corporate Conduct. Presented
- [KMRD Sponsors 2017 IAHSP Home Staging Conference and Expo](https://kmrdpartners.com/2016/12/19/home-staging-conference/) - KMRD Partners is proud to be the Bronze Sponsor of the 2017 IAHSP Home Staging Conference and EXPO. The International Association of Home Staging Professionals (IAHSP) is dedicated to advancing the education of the professional Home Stager and Realtor as they prepare homes for sale. IAHSP members strive to serve the public to the best
- [Thank You and Happy Thanksgiving](https://kmrdpartners.com/2016/10/17/thank-you/) - Thanksgiving Day has been an annual holiday in the United States for more than 150 years. In addition to eating turkey, stuffing, sweet potatoes, creamed onions, cranberries and pumpkin pie, families and friends gather around the table to give thanks for all they have. In the spirit of Thanksgiving Day, we express our thanks to
- [How To Choose a Risk Management Outsourcing Partner](https://kmrdpartners.com/2016/12/12/choose-risk-management-outsourcing-partner/) - A successful risk management outsourcing partner must possess the vision, skills, education, experience, knowledge, temperament and tools to identify, mitigate and transfer risk. In choosing the right partner, a company must also determine if this individual or team possesses a good fit with your organization. The “outsider” must earn the trust, respect and credibility required
- [KMRD Partners Hams It Up Again This Holiday Season](https://kmrdpartners.com/2016/12/13/spreading-goodwill/) - In lieu of sending Holiday Cards and gifts to clients and partners, P&C Agency KMRD Partners is once again delivering spiral cut hams to the Keystone Opportunity Center, located in Souderton, PA, between November 3 and December 15. KMRD employees are making pick-ups and deliveries. According to Bob Dietzel, Co-founder and Managing Partner of KMRD,
- [Why Employers Should Consider Colonial Life’s College Tuition Rewards Program](https://kmrdpartners.com/2016/11/27/college-tuition-rewards-program-details/) - One of the largest concerns for people and their families is how to pay for college. Four-year tuition and fees at private and public institutions have skyrocketed in the past decade and families and students in every state are finding it harder to afford tuition. Paying for college has become a financial stress for families all
- [KMRD Supports Cancer Support Community Paws 4 Life Annual Dog Walk](https://kmrdpartners.com/2016/11/02/kmrd-supports-cancer-support-community-paws-4-life-annual-dog-walk/) - KMRD was recently a participant and Corporate Sponsor for the 2016 Cancer Support Community Paws 4 Life Annual Dog Walk! This annual event supported by KMRD Partners, raised funds for Cancer Support Community at Gilda's Club. Their mission is to ensure that all people impacted by cancer are empowered by knowledge, strengthened by action and
- [KMRD Supports Bringing Hope Home with the First Annual Swamp STOMP 5k](https://kmrdpartners.com/2016/11/10/kmrd-supports-bringing-hope-home-with-the-first-annual-swamp-stomp/) - KMRD was recently a participant and Corporate Sponsor for the first annual Doylestown Swamp STOMP 5k & Walk! With over 120 runners and walkers, KMRD helped raise over $20,000 to support Bringing Hope Home. BHH is a non-profit organization that provides unexpected amazingness to local families with cancer through financial and emotional support. Through their
- [HR Compliance Digest - 3rd Quarter 2016](https://kmrdpartners.com/2016/11/10/hr-compliance-update/) - Check out KMRD's HR Compliance Digest! KMRD's new quarterly newsletter featuring HR Compliance issues such as the latest on Healthcare Reform and Legislative Updates. Note: This content is provided as general background information and should not be taken as legal advice or financial advice for your particular situation. Make sure to get individual advice
- [Why Our Claims Advocacy Process Is the Best - KMRD](https://kmrdpartners.com/2016/11/08/best-claims-advocacy-process/) - When you file an insurance claim it usually means an unplanned event has occurred, and unplanned events are almost never good news. That's why it's so important to be able to trust the claims advocacy process and have it work for you - not against you. Best case scenario is your claims are filed professionally and timely, and honored in
- [What To Look For When Purchasing Insurance For Your Business](https://kmrdpartners.com/2016/11/07/types-insurance-for-your-business/) - Organizations rely upon business insurance to protect them from the risks and potential threats to their successful and continued operation. Below, we have listed and explain eight common types of insurance for your business. A licensed, reputable broker like KMRD Partners can help you choose the right insurances for your business by determining which coverages meet
- [Total Rewards: A Key Building Block to an Effective Talent Management Strategy](https://kmrdpartners.com/2016/10/18/total-rewards/) - The business climate is hyper-competitive and in order for an organization to excel in the marketplace, attracting, retaining and motivating talent is essential. There is compelling evidence among top performing organizations that there is a solid link between business performance and effective talent management. Whether you are a growth-oriented middle market organization or a large
- [Feed My Starving Children: MobilePack 2016 was a Huge Success!](https://kmrdpartners.com/2016/10/31/feed-my-starving-children-mobilepack-2016/) - KMRD was a recently a participant and Corporate Sponsor for the 2016 Central Bucks MobilePack! Kevin McPoyle served as the primary event organizer ably assisted by KMRD’s Office Manager, Lisa Pascoe. Kevin mentioned, “ I am so incredibly grateful to so many people for their enthusiasm, their faith in me to pull this off and
- [KMRD Expands Human Capital Practice to Include Employee Benefits Solutions](https://kmrdpartners.com/2016/10/24/kmrd-expands-employee-benefits-and-human-capital-solutions-practice/) - KMRD, an award-winning risk management and human capital solutions firm expands its unique, service model to include Employee Benefits Solutions through a strategic partnership with My Benefit Advisor operated by Emerson Reid, LLC. KMRD Partners, Inc. is proud to announce an expansion of its human capital solutions practice through a formal partnership with My Benefit Advisor (MBA),
- [Flood Preparedness Resources List to Share with Friends and Loved Ones](https://kmrdpartners.com/2016/10/06/flood-preparedness-resources-list/) - With the recent hurricane and flood threat, our team prepared a list of flood preparedness resources for you to share with friends and loved ones. We wish you and your families a safe and secure week. Red Cross Flood Safety Checklist explains what to do in the case of a flood, which supplies to store, and what to do
- [3 Things You Need to Know About Umbrella Insurance for Business](https://kmrdpartners.com/2016/10/03/umbrella-insurance-for-business/) - Your company’s general liability policy outlines the maximum amount your insurance company will pay against a liability claim. As a result, if your business is sued for $1,250,000 for medical costs associated with an injury caused by a worksite or product hazard, but your general liability coverage caps out at $1,000,000, your business will be responsible
- [New Flood Insurance Tool Available in Pennsylvania](https://kmrdpartners.com/2016/03/30/new-flood-insurance-tool/) - With April showers on the way, it is worth noting although flood and sewer back-up is excluded under most standard commercial property policies, both coverages can be added by endorsement. Depending upon the flood zone identified on the property, coverage is available on a primary basis through a number of carriers. In instances where property
- [Why Risk Management is Awesome at KMRD](https://kmrdpartners.com/2016/03/31/why-risk-management/) - Co-founders Bob Dietzel and Kevin McPoyle created KMRD Partners over 10 years ago out of a desire to do something different and bold. Their intent was to change the way businesses buy insurance and service customers with greater transparency than exists in the traditional insurance model. They focused on providing high quality risk management and insurance to
- [Proposed Update to FEMA Rules for Builders](https://kmrdpartners.com/2016/09/22/proposed-update-fema-rules-builders/) - The Federal Emergency Management Agency recently proposed updated FEMA rules for builders and homeowners requiring them to build on higher ground when using federal funds on construction projects situated in flood-prone areas. Construction projects affected by updated FEMA rules include buildings, roads and other projects receiving federal funds, as well as projects rebuilt with FEMA
- [Time Is Running Out for FEMA Assistance](https://kmrdpartners.com/2012/11/28/time-is-running-out-for-fema-assistance/) - Homeowners and businesses affected by Hurricane Sandy have only a little more than a month to apply for FEMA assistance. Following are filing and eligibility guidelines: FEMA assistance available to businesses generally comes in the form of a loan from the Small Business Association. Depending upon your situation and the nature of your business, these
- [KMRD Partners - Fastest Growing Privately Held Companies](https://kmrdpartners.com/2012/09/20/kmrd-partners-fast-growing-private-company/) - While unanticipated events can never be entirely eliminated, careful planning can reduce the risk they will occur. This planning should cover the full range of business activities, from financial planning to disaster preparedness to insurance coverage. We at KMRD Partners believe it should also include business planning. When we learned Inc. magazine named KMRD Partners
- [Does Your Company Need E&O Liability Coverage?](https://kmrdpartners.com/2012/07/20/does-your-company-need-eo-liability-coverage/) - “Learned professions” including legal, medical, engineering, accounting and financial services firms were formerly alone in being regarded as professional services firms. According to a number of courts, though, this term has been broadened to describe a wider and more diverse group including firms providing physical or manual services. These firms can include plumbers, roofers, exterminators,
- [Errors with E&O - Part 3](https://kmrdpartners.com/2012/06/20/errors-eo-part-3/) - The Holmdel Fabric Company, like Ford, Hewlett Packard and Apple, was launched in a garage. Through hard work and intelligence, the founder built the firm into an enterprise employing more than 100 workers. Holmdel held many patents, including one for a fabric which changed color with a person’s body temperature. An entrepreneur saw an opportunity
- [Errors with E&O - Part 2](https://kmrdpartners.com/2012/06/13/errors-with-eo-part-2/) - If human beings were perfect, there would be no need for Errors & Omissions coverage. Until we get to the level of expertise suggested, we are fortunate it exists. An international investment management company hired Do It Right Software Solutions to build a Secure Client Space. In its Scope of Work, Do It Right listed
- [Errors with E&O - Part 1 - KMRD](https://kmrdpartners.com/2012/06/06/errors-with-eo-part-1/) - During the otherwise error free month of June we will review how professional liability insurance, also known as E&O, can help three fictitious firms be ready for one minute from normal. Let’s begin with the question: How do you know if your firm needs professional liability insurance? Traditionally, “learned professions” including legal, medical, engineering, accounting
- [9 steps to avoid negligent entrustment](https://kmrdpartners.com/2011/07/28/9-steps-to-avoid-negligent-entrustment/) - Agent & Broker Insider today featured a web exclusive on Negligent Entrustment written by Steve Macauley, a partner at KMRD Partners. Steve has more than 30 years experience in the property and casualty brokerage insurance industry focusing on large complex accounts. Steve's background is well-rounded with experience serving the end-user as well as designing and
- [General Insurcorp Joins the KMRD Team](https://kmrdpartners.com/2011/12/11/general-insurcorp-joins-the-kmrd-team/) - KMRD Partners Risk & Insurance Solutions has acquired the assets of General InsurCorp of West Chester, PA. Founded in 1982 by Jeff Brown, General Insurcorp is a full service agency supplying both personal and business lines of insurance. Jeff Brown and his son, Mike Brown, will remain active in both the day-to-day management and strategic
- [Risk Management System Helps It Stand Above Competition - Article](https://kmrdpartners.com/2011/10/31/risk-management-system-helps-stand-competition-article/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners was published in PropertyCasualty360.com. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a
- [Digital Data Risks - KMRD](https://kmrdpartners.com/2011/09/28/digital-data-risks-kmrd/) - A recent survey by Pricewaterhouse Coopers LLP found that although hospitals, doctors, pharmacies and insurers are eager to adapt to increasingly digital patient data, less than half are addressing implications for privacy and security. Less than half have also addressed issues related to mobile devices, while less than a quarter have addressed issues related to
- [Bob Dietzel Earns CIC - Business Insurance Consultant](https://kmrdpartners.com/2008/12/17/cic-business-insurance-consultant/) - KMRD is proud to announce that Bob Dietzel, Business Insurance Consultant, has earned the designation of Certified Insurance Counselor (CIC) following his successful completion of a rigorous insurance education program for business insurance consultants sponsored by the Society of Certified Insurance Counselors. Bob Dietzel - Business Insurance Consultant To earn this prestigous designation, Bob Dietzel of
- [KMRD recognized as an Elite Agency by Insurance Business America Magazine](https://kmrdpartners.com/2014/05/10/kmrd-recognized-as-an-elite-agency-by-insurance-business-america-magazine/) - KMRD has been named as an "Elite Agency" by Insurance Business Magazine, a leading publication and online source that provides the latest news, opinions and analysis for the insurance industry This unique honor recognized KMRD as one of 35 agencies among thousands of eligible independent agencies across the country. The June issue profiles KMRD as
- [KMRD Partners Risk & Insurance Solutions -  2014 Year in Review](https://kmrdpartners.com/2015/01/17/kmrd-partners-risk-insurance-solutions-2014-year-in-review/) - Dear Valued Clients, Partners and Prospects, January 2015 marked the end of one journey and the beginning of another. As we look back with gratitude on our first ten years in business, we look towards the future with energy and optimism. GROWTH - Business grew 14%! This is on top of 32% growth in 2013.
- [How KMRD Got Started - In Their Own Words | Video + Notes](https://kmrdpartners.com/2016/03/08/how-kmrd-got-started/) - Over the last decade, while scores of other regional companies struggled or were snapped up by nationals, KMRD Partners has quietly thrived, expanding its risk management solutions and insurance brokerage services to more than 600 clients nationwide. Here are the cliff notes to the company history video below: The original vision Bob Dietzel and Kevin
- [KMRD is Hiring! Associate Account Manager](https://kmrdpartners.com/2016/08/11/associate-account-manager/) - Associate Account Manager KMRD is actively searching for a Associate Account Manager to join our team of risk management professionals. You’ll work out of our regional office in Limerick, PA alongside a talented, friendly team of people working together to help small business clients reduce the cost of risk. The ideal candidate for this role wants
- [KMRD Partners Risk & Insurance Solutions -  2015 Year in Review](https://kmrdpartners.com/2016/01/15/kmrd-partners-risk-insurance-solutions-20105-year-in-review/) - Dear Valued Clients, Partners and Prospects, We are eternally grateful to our clients and partners for their support with another successful and rewarding year at KMRD. Better teamwork leads to better results! The following are some highlights: COMMUNICATION TECHNOLOGY TALENT We are proud of our community efforts! This year was productive as ever providing meaningful support
- [Risks Ahead.  Dog-related injuries cause more than one third of all home insurance claims](https://kmrdpartners.com/2016/05/13/risks-ahead-dog-related-injuries-cause-more-than-one-third-of-all-home-insurance-claims/) - Risks Ahead. Dog-related injuries cause more than one third of all home insurance claims Pennsylvania ranks fifth in the nation when it comes to the estimated number and cost of dog bite claims and other dog-related injuries. Estimated number of claims is 861, with an average cost per claim of $26,000. $26,000 could also purchase
- [Risks Ahead.  Are drones a safety risk?](https://kmrdpartners.com/2016/05/20/risks-ahead-are-drones-a-safety-risk/) - Are drones a safety risk? Pilots think so. “We’re not kidding when we say it has to be mitigated as a threat,” according to Tim Canoll, president of the Air Line Pilots Association. “Your imagination can run wild with the problems of hitting hard metal objects at 200 mph.” As of February 2016, more than
- [Sea Levels on the Rise - Do you need Weather Risk Insurance?](https://kmrdpartners.com/2016/05/27/risks-ahead-sea-levels-on-the-rise/) - According to an official with the National Oceanic and Atmospheric Administration, sea levels could rise by much more than originally anticipated, and much faster, according to new data being collected by scientists studying the melting West Antarctic ice sheet. Looking at extreme temperature indices from more than 40 years ago and now, “things are different,”
- [Auto Fleet Risks Ahead.  Before you hit the road, know the Laws.](https://kmrdpartners.com/2016/06/03/auto-fleet-risks-before-you-hit-the-road-know-the-laws/) - Mississippi is the only state in which you can still drink and drive. So don’t be surprised if the guy in the lane next to yours begins to drive sideways if you are driving in Mississippi. New Hampshire is the only state that doesn’t have seat belt laws. The state does have a primary child
- [Auto Fleet Risks Ahead.  Mobile Device Distractions](https://kmrdpartners.com/2016/06/10/auto-fleet-risks-ahead-mobile-device-distractions/) - The distraction caused by a mobile device notification – an incoming phone call, text, alarm bell or vibration – is comparable to the effects when users make calls or send text messages, according to a study fielded by Florida State University. “Although these notifications are generally short in duration, they can prompt task-irrelevant thoughts, or
- [Auto Fleet Risks Ahead.  Keep Your Eyes on the Road](https://kmrdpartners.com/2016/06/17/auto-fleet-risks-ahead-keep-your-eyes-on-the-road/) - New York State police officers issued 84,720 texting-while-driving tickets in 2015, which was an 840% increase from the 9,015 tickets issued in 2011. Whether you are in New York, Pennsylvania or any other state, keep your eyes on the road and off your mobile device. When there is risk ahead, you can count on KMRD
- [Hall of Shame - Injury to Independent Contractors Exclusion Creates Severe Coverage Gap](https://kmrdpartners.com/2014/07/27/injury-to-independent-contractors-exclusion-creates-severe-coverage-gap/) - This exclusion removes coverage for any work done by an independent contractor: Here is an outline of an everyday exposure for a typical (ABC) company that utilizes subcontractors (as you know, there are not many companies who do not use a subcontractor in some capacity): This exclusion removes coverage for any claims arising out of
- [Hall of Shame - No Coverage for Waterborne Equipment](https://kmrdpartners.com/2014/07/27/no-coverage-for-waterborne-equipment/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. An agent sold the standard form to a company using their equipment on, around and even within bodies of water. Here is an excerpt from the policy removing coverage: The agent and the underwriter intended to cover the
- [Hall of Shame - Home Run Gone Wrong / No Auto Liability Coverage / No Insurance Coverage Quality Control](https://kmrdpartners.com/2014/08/04/home-run-gone-wrong-no-auto-liability-coverage-no-insurance-coverage-quality-control/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. A mobile allied health firm in the business of retrieving blood and urine samples from patients at their homes reimbursed their nurses for the use of their personally owned vehicles throughout the business day. An unfortunate catastrophic accident
- [No Coverage for Work in Excess of 35 feet - Insurance Coverage Quality Control HALL OF SHAME](https://kmrdpartners.com/2014/08/04/no-coverage-for-work-in-excess-of-3-stories-insurance-coverage-quality-control-hall-of-shame/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. General liability and umbrella policies for contractors included endorsements removing coverage for work on buildings in excess of 3-stories or 35 feet. The client just finished explaining they were working on the top floor of a building similar to the
- [Hall of Shame - No Information Risk / Cyber Liability Coverage - No Insurance Coverage Quality Control Process](https://kmrdpartners.com/2014/08/04/no-information-risk-cyber-liability-coverage-insurance-coverage-quality-control/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. The following endorsement appeared on a policy designed to protect a company from cyber and information related risks. This endorsement clearly indicated there was insurance coverage for technology services. However there was no coverage for their Telecommunications Services. The client’s
- [Hall of Shame - Sprinkler Warranty on the Policy of an Insurance Agent's Tenant?](https://kmrdpartners.com/2014/08/04/sprinkler-warranty-on-the-policy-of-an-insurance-agents-tenant/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. A tenant occupying a 5,000 square foot office suite in a 100,000 square foot 3-story building purchased an insurance policy including the following requirement: What did the “Schedule above” obligate this small tenant to maintain?... The sprinkler system was
- [Hall of Shame - No Products Liability Coverage For No Reason](https://kmrdpartners.com/2014/08/04/no-products-liability-coverage-for-no-reason/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. The General Liability program of a manufacturer included the following endorsement: The company’s website defined their target market to include the Medical, Satellite, and Aerospace Industries! It was later discovered that client was aware of this gap in their
- [Hall of Shame - No Products Liability Coverage for Chemical Company](https://kmrdpartners.com/2014/08/04/no-products-liability-coverage-for-chemical-company/) - This scenario represents an actual coverage flaw in the manufacturer insurance program of a well run, profitable business. A manufacturer of specialty and fine chemicals, laboratory products, monomers, polymers, microscopy, histology, biotechnology, electronics and specialty products purchased an “Excess Products Liability Policy” to increase their depth of protection against lawsuits arising out of the sale
- [Hall of Shame - Bigger is Better...Right?  Large Insurance Brokers May Not Be The Best Fit](https://kmrdpartners.com/2014/09/04/bigger-is-better-right-large-insurance-brokers-may-not-be-the-best-fit/) - This case study represents an actual coverage flaw in an insurance program of a well run, profitable business. An established multi-national Pharmaceutical company sought the financial support of a large investment firm. As part of the deal, the firm forced the company to abandon our services for the services of a large multi-national broker, because “they
- [Insurance for Landscapers - No Coverage for Trees and Shrubs or Plants qualifies for KMRD HALL OF SHAME](https://kmrdpartners.com/2015/08/03/insurance-for-landscapers-no-coverage-for-trees-and-shrubs-or-plants/) - This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. A commercial landscaper utilized a carrier that aggressively targets his industry and controls a large market share of landscapers in the region. A significant risk surrounds the requirement to deliver plant and tree inventory to their jobsites prior
- [Hall of Shame - Fellow Employee Exclusion in the Standard Auto Policy](https://kmrdpartners.com/2015/10/01/hall-of-shame-fellow-employee-exclusion-in-the-standard-auto-policy/) - This scenario represents an actual coverage issue in an insurance program of a well run, profitable business brought to light and altered by KMRD. The following claims scenario was troublesome to the CEO and CFO: Key manager drives an employee using a company vehicle to a client's office for a meeting. An auto accident occurs and
- [Fitness Exclusion on Fitness Center Insurance Program](https://kmrdpartners.com/2015/10/27/physical-fitness-exclusion-on-fitness-center-insurance-program/) - This scenario represents an actual coverage flaw in an insurance program of a well-run, profitable business. A popular fitness center's General Liability policy included the following endorsement. Isn't it obvious?! Hire the insurance professional with a proven system to make sure every detail of the policy is reviewed and negotiated to meet the needs and concerns of your management team.
- [Get Fleet Risk Insurance Because Motor Vehicles are Vulnerable to Hacking](https://kmrdpartners.com/2016/07/01/motor-vehicles-are-vulnerable-to-hacking/) - The FBI and U.S. National Highway Traffic Safety Administration have issued a bulletin warning that motor vehicles are “increasingly vulnerable” to hacking. The FBI warned that criminals could exploit online vehicle software updates by sending fake e-mail messages to vehicle owners wishing to obtain legitimate software updates. Recipients could be tricked into clicking links to
- [Vulnerable to Cyber Attacks? Get Technology Insurance Coverage](https://kmrdpartners.com/2016/07/15/cyber-risks-ahead-cyber-attacks-is-your-company-vulnerable/) - In 2015, "company outsiders" perpetrated 40% of cyber attacks while “company insiders” perpetrated 60% of these attacks, according to a report published by IBM. IBM defined an insider as anyone possessing either physical or remote access to a company’s digital assets. Although this will typically be an employee, it can also include business partners or
- [Why It's Important To Know Your Flood Zones](https://kmrdpartners.com/2016/08/05/important-know-flood-zones/) - Following a rise of more than 13 feet on the Patapsco River in Ellicott City, Maryland, in just a few hours this past Saturday evening, flooding caused extensive structural damage to multiple businesses and residential areas, along with sidewalks and streets. Many business owners returned to their businesses on Sunday to find they had lost
- [Employee Benefits Programs Aid Talent Recruitment and Retention](https://kmrdpartners.com/2016/09/07/employee-benefits-programs-aid/) - As we bid Labor Day a fond farewell and look forward to fall with renewed energy, it seems fitting to note successful companies vigorously recruit and retain best-in-class employees with employee benefits programs. While many factors will influence a candidate’s decision to join and eventually remain with a company, having carefully designed benefits programs for employees
- [5 Steps Every Employer Should Consider When Performing a Risk Assessment](https://kmrdpartners.com/2016/08/27/5-steps-performing-a-risk-assessment/) - Effective risk management is critical in today’s regulatory climate. Rating agencies and regulators have come to expect companies to know their risk profiles and implement the correct structures and processes to reduce risks and exposure. Performing a risk assessment allows business managers to identify and control risks to build up high performance businesses. And while they can vary greatly from business to business, we tend to see the same five
- [4 Steps to Effective Risk Management Everyone Should Know](https://kmrdpartners.com/2016/08/09/fact-effective-risk-management/) - Every business, whatever its size or complexity, carries some amount of risk. It's absolutely everywhere. Below are 4 steps to help you deliver an effective risk management program. Risk is everywhere. It's in every business process and inside every company. A well-organized approach to effective risk management can serve as a valuable starting point as you create
- [5 Benefits Of An Effective Absence Management Program](https://kmrdpartners.com/2016/07/07/5-benefits-effective-absence-management-program/) - An effective absence management program can control workplace absence resulting from illness or injury through effective claims management and proven human capital strategies. While an individual absence may appear to be inconsequential, taken together they can negatively affect an organization’s financial well-being, work product and human resources. Here are five ways an effective absence management program works to improve
- [Take Precautions to Mitigate Your Zika Health Risk](https://kmrdpartners.com/2016/04/29/precautions-zika-health-risk/) - The mosquito carrying the Zika virus is expected to spread throughout the United States this summer. Below are a few precautions you can take to reduce your zika health risk. The mosquito carrying the Zika virus is expected to spread throughout the United States this summer, causing U.S. Health and Human Services Secretary Sylvia Burwell
- [Do You Have A Flood Recovery Plan In Place for Hurricane Season?](https://kmrdpartners.com/2016/06/01/flood-recovery-plan/) - 2016 Atlantic Hurricane Season begins today - Do you have your flood recovery plan steps in place? The 2016 Atlantic Hurricane Season begins today, with meteorologists forecasting a more active than usual hurricane season, partly due to the expected end of the El Niño weather pattern in the next few months. Meteorologists at AccuWeather, a private
- [KMRD Announces Key Additions to Growing Risk Management Team](https://kmrdpartners.com/2016/04/21/key-additions-risk-management-team/) - Bob Dietzel and Kevin McPoyle, Founding Partners of KMRD Partners, welcome John Garber, Jr., CSP, SPHR, SHRM-SCP and Karl Granlun, CPCU to the KMRD Risk Management team. John’s role as part of the KMRD risk management team will be as Managing Director, Benefits and Human Capital Practice Group and will include responsibilities for risk management,
- [Making A Difference For Clients By Controlling Cost Of Risk](https://kmrdpartners.com/2015/06/02/clients-controlling-cost-of-risk/) - In an article published in Property Casualty 360, Kevin McPoyle and Bob Dietzel, founders of KMRD Partners, discuss their risk management firm and controlling cost of risk. When comparing KMRD to other agencies, the editor reports, “Perhaps the key differentiating service that KMRD offers is its ability to act as the risk-management department for its middle-
- [Collaborative Risk Management System to Manage Business Risk](https://kmrdpartners.com/2015/06/03/collaborative-risk-management-system/) - KMRD Partners uses a collaborative risk management system, KMRD XChange, to help the firm stand above the competition and manage business risk better for clients. At a 2011 roundtable in New York, PropertyCasualty360.com asked Robert Dietzel, co-founder of KMRD partners (which at the time had $20 million in premium volume and 20 employees) some questions about the value
- [4 Things Your General Liability Insurance Doesn't Cover](https://kmrdpartners.com/2016/06/08/general-liability-insurance-doesnt-cover/) - We feel it is important for our clients to understand what is not covered by their general liability insurance programs so they can focus their risk management efforts in those areas first. General liability insurance protects your commercial business from 3rd party claims of injury or property damage but the following four (4) key risks are
- [Six Factors to Determine Contractor and Employee Classification](https://kmrdpartners.com/2016/06/15/contractor-employee-classification/) - Want a simple way to determine contractor and employee classification? In Alexander vs. FedEx Ground, the California 9th Circuit Court ruled drivers were not independent contractors despite owning their own vans and being allowed to set their own routes. The court used several factors in its ruling, most notably control. “Drivers must wear FedEx uniforms,
- [Understanding Your Business Interruption Insurance](https://kmrdpartners.com/2016/07/13/understanding-business-interruption-insurance/) - Business interruption insurance is probably one of the most valuable insurance coverages a business can secure. Also known as "business income insurance", this type of property and casualty insurance covers income losses due to a disaster. It's slightly different than "time element" coverage. Time element coverage refers to insurance coverages that are tied to a period
- [Examine Your Insurance Policy Wording For Effective Risk Management](https://kmrdpartners.com/2016/07/20/effective-risk-management-strategy/) - An effective risk management strategy should include careful policy and endorsement reviews to correct potential uninsured problems and avoid an expensive coverage-litigation battle. Most risk management consultants are never taught the proper way to read and interpret an insurance policy or correct policy language. This can result in coverage denials, missed opportunities, and keep you
- [Food Product Recall? Take a Hard Look at your Product Recall Insurance](https://kmrdpartners.com/2016/07/22/food-product-recall-product-recall-insurance/) - Does your food processing business have the right food product recall insurance in place? Food borne illness claims right after a food product recall are among the greatest financial risks facing the food industry. Having the right insurance plan in place will help protect your food processing business. Most food processors are already aware of
- [Why Businesses Need Employment Practices Liability Insurance](https://kmrdpartners.com/2016/07/27/businesses-need-employment-practices-liability-insurance/) - In 2015, the EEOC received 89,385 discriminatory employment practices complaints, including more than 4,000 in Pennsylvania alone. In addition to private party lawsuits, the increase in claims brought on by federal, state and city regulators is causing more businesses to purchase Employment Practices Liability Insurance (“EPLI”). A decade ago, most businesses didn't buy employment practices liability insurance (EPLI).
- [Reduce Workplace Injuries With An Effective Risk Control Plan](https://kmrdpartners.com/2016/08/01/effective-risk-control-plan/) - Taking risks with employee safety and health can lead to workplace injuries and losses to your business's bottom line. Developing an effective risk control plan will help you identify and eliminate hazards and control risks. Injuries related to lifting, carrying and lowering materials ranked as the leading cause of workplace injury between 2010 and 2014, representing 32
- [September is National Preparedness Month. Are You Ready?](https://kmrdpartners.com/2016/08/09/september-national-preparedness-month/) - Each week for the past six years, KMRD has been sending e-mail alerts regarding the importance of preparing for one minute from normal with risk control management. We are pleased to be joined in our concern by The Department of Homeland Security, which has placed their National Preparedness Month Social Media Toolkit The website contains
- [Why Your Food Business Income Policy Needs to Cover Contamination](https://kmrdpartners.com/2016/08/09/food-business-income-policy/) - If you own or manage a food service business or run a food cart, concession or a catering business you might want to consider the following information about your business income policy: While your General Liability policy will pay if a customer gets sick and files suit for damages and doctor’s bills, it will not respond to decreased sales
- [Don't Forget To Test Your Business Continuity Plan](https://kmrdpartners.com/2015/09/01/dont-forget-test-business-continuity-plan/) - According to a recent survey of over 500 midsize business owners and C-level executives in the US, 59% had a formal, documented business continuity plan and 33% had an informal, verbal plan. 8% had no plan. Of those businesses with continuity plans, only 19% had actually tested them. (source: The Hartford) Additionally, the survey found
- [Cyber Risks Ahead.   Are you covered?](https://kmrdpartners.com/2016/07/29/cyber-risks-ahead-are-you-covered/) - Did you know? According to the recently published 5th annual Allianz Risk Barometer, this is the first year risk experts cited cyber incidents as being among their top three risks. As reported by Independent Agent magazine, 69% of risk experts indicated loss of reputation as being the main cause of economic loss after a cyber
- [Blaming Driver Behavior Instead of Accidents](https://kmrdpartners.com/2016/06/29/blaming-driver-behavior-instead-of-accidents/) - With roadway fatalities reaching a 50 year high, resulting from crashes, collisions and other driver generated incidents, a growing number of safety advocates hope to change a century-old mentality they claim trivializes the most common cause of traffic incidents: human error. As a first step, these advocates would prefer these incidents, which resulted in about
- [TFG merges with KMRD!](https://kmrdpartners.com/2016/06/17/tfg-merges-with-kmrd/) - KMRD is proud to announce a merger with TFG Risk Management Services. "We are excited about the opportunity to serve TFG's customers with KMRD "Best of Class" service. We are also happy to have Chuck Robertson as a new strategic partner." explained Bob Dietzel Co-founder and Principal of KMRD Partners, Inc. Chuck Robertson said, "After much due diligence, we carefully
- [Food Recalls and Nanotechnology - Kevin McPoyle's Article in The Insurance Journal](https://kmrdpartners.com/2016/06/22/food-recalls-and-nanotechnology/) - In the June 20 issue of Insurance Journal Risks Ahead: Food Recalls and Nanotechnology KMRD Partners President Kevin McPoyle considers risks from food recalls and nanotechnology to food insureds. As noted by Kevin, “With litigation and recalls now commonplace, it is critical for food insureds to think through and plan for the “when” as opposed to
- [KMRD Partners Interviewed by ABC News Regarding Donation to Children's Hospital of Philadelphia](https://kmrdpartners.com/2016/05/25/kmrds-2016-chop-donation/) - ABC Action News anchor and reporter Sarah Bloomquist interviewed two KMRD team members, Cat Paciente and Barbara Santilli, on Tuesday, May 24, as they presented a $15,000 check to support Children’s Hospital of Philadelphia’s Daisy Days campaign. Daisy Days started 60 years ago as Children’s Hospital of Philadelphia’s (“CHOP”) month-long campaign to benefit the hospital's cancer center
- [Hire a Veteran](https://kmrdpartners.com/2016/05/25/hire-a-veteran/) - Kevin McPoyle, President and co-founder of KMRD Partners, has first hand knowledge regarding the contributions made by veterans from his years of service as a helicopter pilot in the United States Army. We repeat this message at this time each year because the content is timeless, and the need of veterans to be employed, remains
- [2016 Will Be the Year Ransomware Holds America Hostage](https://kmrdpartners.com/2016/05/18/ransomware/) - The Institute for Critical Infrastructure Technology (“ICIT”) has recently published a report titled 2016 Will Be the Year Ransomware Holds America Hostage. According to the report, companies need to prepare themselves for the threat posed by this rising form of hacking, which restricts access to an infected computer system, and demands the user pay a
- [Substance abuse affects 70% of US businesses](https://kmrdpartners.com/2016/05/10/substance-abuse-affects-70-of-us-businesses/) - Substance abuse affects 70% of US businesses, according to a recent study fielded by the US Department of Health and Human Services. Substance abusers represent approximately 17% of the average workforce. Substance abusers typically cost a company about $7,000 per user, per year. Substance abusers cause 35% of all industrial injuries and fatalities. According to
- [Risks Ahead.  An average of six teenagers die daily from auto accidents.](https://kmrdpartners.com/2016/05/06/teanage-auto-accidents/) - Nearly a million teenage drivers were involved in police-reported crashes in 2013, according to AAA. These accidents resulted in 373,645 injuries and 2,927 deaths. An average of six teenagers die daily from auto accidents, according to the Centers for Disease Control and Prevention. According to the Virginia Tech Transportation Institute, one in four teens is
- [Don’t let an unpaid internship cost your firm a lawsuit](https://kmrdpartners.com/2016/05/04/dont-let-an-unpaid-internship-cost-your-firm-a-lawsuit-employment-practices-liability-risks/) - Is your firm is planning to add an unpaid intern to staff this summer? Then it would be a good time to review the six-point test included in the US Department of Labor’s Fair Labor Standards Act: The internship must be for the intern’s benefit. Training appropriate to an educational environment must be given. The
- [Keep your eyes on the road - Auto Fleet Risks](https://kmrdpartners.com/2016/04/26/keep-your-eyes-on-the-road/) - According to the annual Governors Highway Safety Association Spotlight on Highway Safety Report, there will be a 10% year-to-year increase in the number of pedestrians killed in motor vehicle crashes in 2015. This comes on the heels of a 19% increase from 2009 to 2014, a period in which total traffic deaths decreased by about 4%.
- [Have you been re-mapped to a flood zone?](https://kmrdpartners.com/2016/04/19/have-you-been-re-mapped-to-a-flood-zone/) - Pennsylvania Insurance Commissioner Teresa Miller issued a consumer alert earlier this month by which Pennsylvania homeowners can appeal their property’s placement in a flood zone by the federal government, which in many cases requires them to purchase flood insurance. Commissioner Miller said FEMA recently re-mapped most of the country using 100-year flood projections, resulting in
- [Negligent Entrustment leads to negative consequences](https://kmrdpartners.com/2011/03/31/negligent-entrustment-leads-to-negative-consequences/) - Negligent Entrustment arises when one party (the entrustor) is held liable for negligence because he provided another party (the entrustee) with a dangerous instrument, and the entrusted party caused injury to himself or a third party, or damaged property, with that instrument. Your company can become at risk of negligent entrustment by allowing an employee
- [More negative consequences from negligent entrustment](https://kmrdpartners.com/2011/04/19/more-negative-consequences-from-negligent-entrustment/) - Negligent entrustment, as we recently e-mailed, typically arises from allowing an employee to use a vehicle on company business when you know or should know that the person intends or is likely to create an unreasonable risk of harm. The legal theory supporting negligent entrustment is that the company has a legal duty to investigate
- [Reverse Rate Evasion...New Jersey Act A-2281/S-1737 signed into law](https://kmrdpartners.com/2015/03/16/draftreverse-rate-evasion-new-jersey-act-a-2281s-1737-signed-into-law/) - Governor Chris Christie of New Jersey has signed into law Act A-2281/S-1727, which identifies so-called reverse rate evasion as a form of insurance fraud and provides for civil and criminal penalties.The act targets residents who fraudulently obtain auto insurance in another state with lower rates, even though New Jersey is their principal residence or they
- [The lingering costs of a DUI](https://kmrdpartners.com/2015/03/17/the-lingering-costs-of-a-dui/) - A St. Patrick’s Day celebration can get expensive if you overdo the celebration and are one minute from normal. In Pennsylvania, as in many states, the fine for a DUI citation is exceeded by the jump in car insurance premiums. If you are a first-time offender with a blood alcohol level of less than 0.10%
- [Risks Ahead.  Healthcare Costs - Your out-of-pocket can be financially ruinous](https://kmrdpartners.com/2016/04/22/risks-health-insurance-your-out-of-pocket-can-be-financially-ruinous/) - Medical procedures, including emergency care, can be financially ruinous when billed at out-of-network rates. Pennsylvania’s Insurance commissioner has proposed that residents be liable for nothing more than they would pay a provider for in-network service, even when receiving out-of-network care. Providers and insurers would be called upon to settle any additional payments. To learn more
- [Risks Ahead.  Cyber Insurance - Is your company covered for a data breach?](https://kmrdpartners.com/2016/04/15/risks-ahead-cyber-insurance-is-your-company-covered-for-a-data-breach/) - According to technology research firm Gartner, the number of connected devices is expected to increase from 4.9 billion to 25 billion by 2020. Each of these devices potentially opens a door to cyber intruders. The market research firm International Data Corporation predicts that, if current trends continue, one of every four people around the globe
- [Distracted driving can lead to reckless endangerment](https://kmrdpartners.com/2016/04/13/distracted-driving-can-lead-to-reckless-endangerment/) - On average, eight people lose their lives every day in the United States due to distracted driving. While mobile phone usage has been linked to distracted driving, these other activities can also significantly elevate risk: Eating and drinking Talking to passengers Grooming Reading, including maps Using a navigation system Watching a video Adjusting a radio,
- [Pothole season survival tips](https://kmrdpartners.com/2015/02/15/pothole-season-survival-tips/) - State Farm has reported damage caused by a pothole can generate an average of between $300-$700 in vehicle repairs. Pothole damage will only be covered by collision insurance, which usually carries a $250 - $1,000 deductible. Because a pothole-damage reimbursement claim falls under collision insurance, it may result in an increased insurance rate. These
- [190th of 200 is not at all a good thing when ranking auto collisions](https://kmrdpartners.com/2012/10/25/190th-200-not-good-thing-ranking-auto-collisions/) - Here is cautionary news for companies doing business in Pennsylvania: In a report issued by Allstate ranking America’s 200 largest cities in terms of auto collision frequency, Philadelphia ranked near the bottom at 190. On average, a driver in our state’s largest city will be involved in an auto collision every 6.1 years. This fact
- [Business Continuity & Recovery Solutions](https://kmrdpartners.com/2012/12/18/business-continuity-recovery-solutions/) - When it comes to getting ready for what can happen one minute from normal, forward-thinking risk management is critically important. Decisions you make before one minute from normal arrives may determine whether or not your business survives. A particularly important decision concerns disaster recovery and business continuity services. Following a disaster, most businesses simply are
- [Certificates of Insurance Act](https://kmrdpartners.com/2016/04/06/certificates-of-insurance-act/) - On April 10, the Certificates of Insurance Act will take effect in New Jersey. The provisions of this act will apply to all certificates of insurance issued in connection with property, operations or risks located in New Jersey, regardless of where the policyholder, insurer, insurance producer or person requesting or requiring the issuance of a
- [Could your business be lost in 10 days?](https://kmrdpartners.com/2011/09/15/could-your-business-be-lost-in-10-days/) - Following a summer of meteorological mayhem, peaceful tranquility has finally broken out. As I write this the temperature is a comfortable 82 degrees, and the wind is blowing SW at 10 mph. And yet, in towns throughout the Middle Atlantic and New England states, it is far from peaceful as business owners continue their efforts
- [Hurricane Season - Here we go again](https://kmrdpartners.com/2013/06/06/hurricane-season-here-we-go-again/) - Even while post Sandy restoration efforts continue along the Jersey Shore, the NOAA’s Climate Prediction Center has reported there is a 70% likelihood of 13 to 20 named storms in the Atlantic this year. 7 to 11 of these storms may become hurricanes, while 3 – 6 may develop into Category 3, 4 or 5
- [Risks Ahead.  Property Damage Due to Extreme Weather](https://kmrdpartners.com/2016/04/08/risks-ahead-property-damage-due-to-extreme-weather/) - According to the National Oceanic and Atmospheric Administration, 2015 was the second hottest year on record in the 48 states. 10 extreme weather and climate events together accounted for over $10 billion in property damages. 2015 was also the 19th straight year the annual average temperature exceeded the 20th century average. 2016 could be even
- [Fire On the Boardwalk - Why business interruption coverage is a crucial element of a comprehensive risk management plan](https://kmrdpartners.com/2013/09/18/why-business-interruption-coverage-is-a-crucial-element-of-a-comprehensive-risk-management-plan/) - It seemed inconceivable New Jersey’s Seaside Heights would be one minute from normal for a second time in two years. Yet, that is exactly what happened when wind-blown fire destroyed six blocks of boardwalk and nearly 50 businesses. Since fire is covered by a standard commercial insurance policy, businesses with adequate coverage will be compensated
- [Is the Atlantic coast all clear? Getting Ready for Hurricane Season](https://kmrdpartners.com/2013/09/05/is-the-atlantic-coast-all-clear/) - In May, the National Oceanic and Atmospheric Administration predicted a “very active” Atlantic hurricane season and reported it expected between seven and eleven hurricanes. And yet, although Monday was the midpoint of the hurricane season, which ends November 30, so far there hasn’t been even one hurricane. Does this mean we are in the clear?
- [The Hurricane Next Time - Sandy's New Normal](https://kmrdpartners.com/2013/01/30/the-hurricane-next-time/) - Three months have passed since Hurricane Sandy’s disastrous consequences. The passage of time, combined with a quiet 2013 (thus far), can tempt us to forget Sandy’s lessons. Speaking before the Property Casualty Insurance Association of America, historical climatologist Evelyn Browning Garriss recommends otherwise. She warned there is a “new normal” in weather patterns. “We are
- [Thanksgiving After Hurricane Sandy](https://kmrdpartners.com/2012/11/21/thanksgiving-after-sandy/) - Nearly one month later, many businesses continue to experience the effects of Hurricane Sandy. Efforts to rebuild these businesses – physically, financially and psychologically – will continue for many months to come. For businesses that planned for this One Minute From Normal event by purchasing proper insurance coverage, efforts to rebuild are likely to conclude
- [Learning From Hurricane Sandy](https://kmrdpartners.com/2012/12/07/learning-from-sandy/) - It has been a little more than one month since Hurricane Sandy tore across the East Coast, leaving a path of consequences in its wake. One of these consequences appears to be the growing realization we can expect ruinous weather-related events to recur with numbing frequency. Twenty of the thirty most expensive insured catastrophes worldwide
- [Business Interruption Insurance and Sandy](https://kmrdpartners.com/2012/11/15/business-interruption-insurance-sandy/) - For many businesses, Hurricane Sandy was an unpleasant reminder of how quickly One Minute From Normal can arrive. Employees were unable to show up for work, inventory shipments were delayed, supply chains were broken and work had to be rescheduled. Some companies experienced a complete cessation of business activity. These business interruptions have been a
- [Super Storm Sandy Aftermath](https://kmrdpartners.com/2012/11/09/super-storm-sandy-aftermath/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? It has been said, primarily by politicians, you should never waste a good crisis. With financial losses from Hurricane Sandy expected to be triple those caused by Hurricane Irene, this crisis will
- [Super Storm Sandy](https://kmrdpartners.com/2012/11/01/super-storm-sandy/) - Super Storm Sandy has demonstrated just how unexpected one minute from normal can be: The New York Stock Exchange experienced its first multiple-day closing for weather-related reasons since the Blizzard of 1888. Economists estimate financial losses could reach $50 billion, making Sandy one of the costliest storms in U.S. history. The region affected by the
- [Workers Compensation - Work Related Injuries](https://kmrdpartners.com/2016/04/01/workers-compensation-work-related-injuries/) - According to the U.S. Bureau of Labor Statistics and the National Academy of Social Insurance, these are the 10 leading causes of the most disabling work-related injuries: Overexertion involving outside source Falls on same level Falls to lower level Struck by object or equipment Other exertions or bodily reactions Roadway incidents involving motorized land vehicle
- [Understanding the Role of Risk Manager at KMRD Partners](https://kmrdpartners.com/2016/03/21/understanding-the-role-of-risk-manager/) - At KMRD, the Risk Manager's job is to analyze data to determine the risks companies face, and look for ways to reduce the probability of loss and the amount of insurance premiums that companies end up paying. To be successful in the role, employees should have good analytical skills and writing skills and must be able to communicate
- [Food Product Recall Risk Transference](https://kmrdpartners.com/2016/03/21/food-product-recall-risk-transference/) - Quick Quiz: What do baby spinach, raw cashew pieces, barbecue sauce, fish batter mix, marzipan, ice cream, packaged salads, dried kiwi and mango and gourmet bread pudding have in common? These products, and more importantly the businesses which manufacture and distribute them, have all experienced market recalls since January 1. We are only 75 days
- [Workers Compensation Jurisdiction](https://kmrdpartners.com/2016/03/23/workers-compensation-jurisdiction/) - In the case of the jurisdiction of a Pennsylvania Workers Compensation claim, Watt v. WCAB (Boyd Brothers Transportation), the Commonwealth Court recently addressed the question of whether a Pennsylvania resident’s claim could be processed in Pennsylvania although he was injured in a different state. The court ruled against his claim. The Commonwealth Court applied the
- [Risks Ahead.  DUI arrests increase on St. Patrick’s Day](https://kmrdpartners.com/2016/03/18/risks-aheaddui-arrests-increase-on-st-patricks-day/) - DUI arrests increase on St. Patrick’s Day, with years of increased insurance premiums typically following a conviction. Increased car insurance premiums can outstrip the fine for a DUI in Pennsylvania. A first-time offender with a blood alcohol level of less than 0.10% faces a $300 fine and six months of probation, but no license suspension.
- [Risks Ahead.  Disaster Recovery Planning](https://kmrdpartners.com/2016/03/18/risks-ahead-disaster-recovery-planning/) - These four strategies can help support staff and address human resources concerns in the event of a disaster. Implement disaster preparedness plans that cover all contingencies. Communicate plans to all employees before disaster strikes, while ensuring they are trained to respond quickly and properly. Anticipate both personal and professional impact a disaster will have on
- [Risks Ahead.  What millennials value at the workplace.](https://kmrdpartners.com/2016/03/11/risks-ahead-what-millennials-value-at-the-workplace/) - Many of the millennials employed by your company – people who reached adulthood around the year 2000 – may be planning to actively seek new jobs, placing your investment in time and money at risk. This unrest is being driven by the fact that what millennials value at the workplace – a focus on work/home
- [Floods, tornadoes and risk management](https://kmrdpartners.com/2011/05/11/floods-tornadoes-and-risk-management/) - As you read this e-mail, communities from Memphis to New Orleans are coping with the effects of the rising Mississippi River. In Missouri more than 130,000 acres of agricultural land have been flooded. Because the flooding is expected to continue until the end of May, it is impossible to put a price tag on damages.
- [Disaster Recovery - Fire caused an $8 million property loss](https://kmrdpartners.com/2011/02/23/distaster-recovery-fire-caused-an-8-million-property-loss/) - After successfully running its business without incident for more than 30 years, one minute from normal this manufacturer of electrical products had to determine if it was ready. Disaster Recovery was now a real issue. The company manufactured specific niche products and maintained a limited and specialized pool of loyal clients. One evening after business
- [Disaster Planning](https://kmrdpartners.com/2011/02/15/disaster-planning/) - Disaster planning is important for all businesses, but it may be even more important for small businesses. With limited resources to fall back upon, small businesses must have a plan in place before disaster strikes. David Paulison, former Executive Director of the Federal Emergency Management Agency, estimates that 40% - 60% of small businesses that
- [Caution - A tsunami of risk ahead](https://kmrdpartners.com/2011/03/24/caution-a-tsunami-of-risk-ahead/) - The Japanese earthquake and tsunami have served to remind us how quickly routine and order can be knocked violently aside one minute from normal. Even the Japanese people, who had prepared for this one minute from normal event with strict building codes and advanced warning systems, have been working feverishly to catch up with one
- [Workers Compensation – Start the New Year Right With Safety and Loss Control Program Planning](https://kmrdpartners.com/2016/01/06/workers-compensation-start-the-new-year-right-with-safety-and-loss-control-program-planning/) - Taking risks with employee safety and health leads to injuries and losses exerting a negative impact on your organization’s bottom line. An effective safety and loss control program identifies and controls or eliminates hazards, so injuries and losses are prevented. The result is a more productive and profitable organization. To develop a safety and loss
- [Pennsylvania Workers Compensation loss cost rate decrease](https://kmrdpartners.com/2016/03/08/workers-compensation-loss-cost-rate-decrease/) - The Pennsylvania Compensation Rating Bureau (PCRB) said the Pennsylvania Insurance Department has approved PCRB’s filing which calls for an overall average workers’ compensation loss cost decrease of 0.90% from existing loss costs. This is not a universal reduction but rather based on class codes. Some rates may remain constant. Pennsylvania Insurance Commissioner Teresa Miller approved
- [Risks Ahead.  Cybercrime has risen globally in 2015.](https://kmrdpartners.com/2016/03/07/risks-ahead-cybercrime-has-risen-globally-in-2015/) - Dell Inc. has reported a significant rise in cybercrime globally in 2015. "There have been repeated incidents of breaches against organizations who believed they had carried out their end-to-end security deployment perfectly," said Dell SonicWALL country manager Amit Singh. Malware attacks also nearly doubled to 8.19 billion and Android ecosystem was the prime target, according
- [The Titanic was the mother of all disasters and everyday risk](https://kmrdpartners.com/2012/04/18/the-mother-of-all-disasters-and-everyday-risk/) - Before Chernobyl, 9/11 and Fukushima Daiichi, there was the Titanic. Even after these catastrophic events, there is still the Titanic. 100 years after the “unsinkable” ship was torn apart in a collision with an iceberg, its memory is as buoyant as ever. On the 100th anniversary of the sinking of the ship, Kevin McPoyle, President
- [Tornado Risk - Lost and found in Joplin](https://kmrdpartners.com/2011/05/25/tornado-risk-lost-and-found-in-joplin/) - A now famous tornado ripped through Joplin, MO at a speed exceeding 198 mph. While this tornado was just one of 68 tornadoes reported across seven Midwestern states over the weekend, this unscheduled event has seized the attention of the country. As of Tuesday morning, 117 people were reported killed. The NY Times is indicating
- [Risks Ahead. Texting while driving creates a crash risk 23 times worse](https://kmrdpartners.com/2015/01/27/texting-while-driving-creates-a-crash-risk-23-times-worse/) - The Virginia Tech Transportation Institute found that text messaging creates a crash risk 23 times worse than driving while not distracted. Yet, in an online survey of drivers in Erie, Pennsylvania, 30% of the respondents admitted to texting while driving. 75% reported observing others doing it. Following are other forms of distracted driving respondents reported
- [Texting while Driving - Staff, family, and friends should watch this video](https://kmrdpartners.com/2014/05/27/texting-while-driving-video/) - More than 2 million people have viewed AT&T’s 35-minute film, "From One Second to the Next," on YouTube. It shows how heedless texting while driving violently disrupted so many lives. The potential personal tragedy is reason enough to make this film must viewing for all members of your organization. Potential financial implications from an employee’s
- [Can You Be Sued If Your Employee Texts Someone Who is Driving?](https://kmrdpartners.com/2015/03/27/can-you-be-sued-if-your-employee-texts-someone-who-is-driving/) - In New Jersey, sending a text to someone you know will view it while driving can potentially result in civil penalties. In a recent case, Judge Victor Ashrafi of the New Jersey Appeals Court wrote the following for the majority: "We hold that, when a texter knows or has special reason to know that the
- [Philly is 189 in Car Collisions - Not Much Of An Improvement](https://kmrdpartners.com/2013/09/25/philly-is-189-in-car-collisions/) - In a report released by Allstate a month ago, Philadelphia ranked 189th of America’s 200 largest cities in terms of car collision frequency. That is behind Chicago – 150th, Dallas – 170th, New York – 172nd and even Los Angeles – 181st. For Philadelphia drivers, a collision is 65.9% more likely compared to the national
- [Flood Brings Community Together](https://kmrdpartners.com/2012/01/18/flood-brings-community-together/) - Recently, The New York Times reported on Schoharie, NY. Schoharie was flooded by Hurricane Irene this past summer. Damage estimates totaled over $27 million. While many residents have yet to return to their version of “normal” following the minutes of catastrophe, they have found their emotional center in a makeshift café named Loaves and Fishes.
- [The Construction Workplace Misclassification Act is Now a Law](https://kmrdpartners.com/2011/02/11/construction-workplace-misclassification-act-is-now-a-law/) - Effective today, any construction company operating in Pennsylvania that does not follow the strict guidelines set out in the Construction Workplace Misclassification Act will be civilly liable, may face criminal prosecution, and may also be subject to stop work orders. If your construction company has not carefully reviewed its contracts and certificates of insurance in
- [Risks Ahead. Did you know?... Catastrophe risk](https://kmrdpartners.com/2015/07/09/risks-ahead-did-you-know-catastrophe-risk/) - “The frequency of catastrophic events appears to be increasing, with a record number of catastrophes last year,” according to Swiss Re’s chief economist. 1. A record 189 natural catastrophes were recorded in 2014. 2. The most costly insured catastrophe loss in 2014 came from lightning and hailstorms in the United States in May, resulting in
- [Get up to 20% off your cyber insurance premium](https://kmrdpartners.com/2015/05/28/get-20-off-cyber-insurance-premium/) - Slightly more than 50% of risk managers now purchase stand-alone cyber insurance policies, according to a survey by the Risk & Insurance Management Society. 74% of those without cyber coverage are considering obtaining it within the next 12-24 months. Respondents reported the top three first-party cyber exposures: Reputational harm Business interruption Data breach response and
- [ACA Shared Responsibility Provision](https://kmrdpartners.com/2016/03/02/aca-shared-responsibility-provision/) - If your firm sent an offer letter indicating a separate stipend to cover the cost of purchasing insurance, according to the Affordable Care Act (“ACA”) you could face a $100 a day fine per employee. Even if you don’t have over 50 full time employees, the government might still consider you an Applicable Large Employer
- [Beware The Dyre Wolf. Cyber Criminals](https://kmrdpartners.com/2015/05/15/beware-the-dyre-wolf-cyber-criminals/) - With recent worry about coyotes roaming New York City and New Jersey streets, a wolf problem has gone pretty much unnoticed. According to Reuters, IBM has uncovered a sophisticated fraud scheme dubbed “The Dyre Wolf” and run by a well-funded Eastern European gang of cyber criminals that uses a combination of phishing, malware and phone
- [15,435 internet vulnerabilities identified in 2014 – No April Fool’s Joke Here!](https://kmrdpartners.com/2015/04/01/15435-internet-vulnerabilities-identified-in-2014-no-april-fools-joke-here/) - According to IT security solutions provider Secunia, a total of 15,435 vulnerabilities were identified in 2014 in 3,870 applications from 500 vendors. This represents an 18% increase compared to the previous year, and a 55% increase over five years. Of the total number of flaws detected last year, 11% were rated “highly critical.” 18 products
- [Anticipating E&O Claims](https://kmrdpartners.com/2013/08/06/anticipating-eo-claims/) - Anticipating E&O Claims/heading] Even the best managed professional services firms can potentially be accused of negligence by a client or vendor. After all, even conscientious, diligent staff members can make mistakes. As a result, it is imperative to choose an E&O policy that can protect your firm’s assets and reputation from potential financial ruin. When
- [Risks and Rewards of Bring Your Own Device](https://kmrdpartners.com/2012/03/21/risks-and-rewards-of-bring-your-own-device/) - This is last in a series of four messages regarding the risks associated with data breach events and cyber security. We welcome your feedback on the information we’ve provided you over the last four weeks. As if there weren’t already enough concerns regarding cyber security, we can now add the Bring Your Own Device (BYOD)
- [Don't play around with cyber security](https://kmrdpartners.com/2011/05/03/dont-play-around-with-cyber-security/) - From April 17 - 19, “an illegal intrusion” into Sony’s PlayStation system caused “a compromise of personal information” for up to 77 million user accounts. To put this into perspective, 77 million is only slightly less than the combined populations of the United Kingdom, Ireland, Sweden and Norway. As with the recent Epsilon data breach,
- [Data theft can rob your organization of its future](https://kmrdpartners.com/2011/03/15/data-theft-can-rob-your-organization-of-its-future/) - Does your organization store sensitive personal data on computer networks, even on a temporary basis? It is commonly known computer networks are at risk of privacy breaches. However your organization could also be at risk from off-line threats, such as a stolen or misplaced or lost laptops or employee files, disks, thumb drives and other
- [Epsilon data breach lessons](https://kmrdpartners.com/2011/04/06/epsilon-data-breach-lessons/) - Epsilon, the largest permission based e-mail marketing provider, reported an e-mail addresses data breach this past Friday. Kroger, JP Morgan Chase, Citi, Capital One, Best Buy, The College Board, Brookstone and TiVo are just some of the companies that have advised their customers about the incident. Although Epsilon is stating that stolen data has been
- [Risks Ahead.  Patients don't realize they have received out-of-network care until they receive a bill.](https://kmrdpartners.com/2016/02/27/patients-dont-realize-they-have-received-out-of-network-care-until-they-receive-a-bill/) - With health insurance plans becoming increasingly complex, more patients are billed for unexpected fees when outside their plan’s coverage network. Patients often don’t realize they have received out-of-network care until they receive a bill. According to a recent survey by the Kaiser Family Foundation, almost 1/3 of insured Americans with financial problems tied to medical
- [Cyber Insurance Coverage – Beware Public Wi-Fi Risks](https://kmrdpartners.com/2015/09/29/cyber-insurance-coverage-beware-public-wi-fi-risks/) - Features which make free public Wi-Fi hotspots desirable for honest citizens also make them appealing to hackers; namely, they require no authentication to establish a network connection. This enables hackers to obtain easy access to unsecured devices on the same network. The biggest threat to security on a public Wi-Fi network is the hacker’s ability
- [KMRD's Employee Background Checking Service](https://kmrdpartners.com/2016/01/21/employee-background-checking-service/) - Because hiring can be the most important activity undertaken by a company, KMRD Partners has partnered with Global HR Research (“GHRR”) to offer a background checking service to our clients. To learn more, click here http://www.ghrr.com/agent/background-check/kmrd-partners or visit our Client Access Center. Here is how the service works: Simply provide your contact and business information
- [Better Loss Run Reporting Supports an Improved Total Cost of Risk](https://kmrdpartners.com/2016/02/25/better-loss-run-reporting-supports-an-improved-total-cost-of-risk/) - Just as a balance sheet will help you understand the financial strength and capabilities of your company, a good loss run report can guide your risk management program in developing risk management plans, tracking the results of risk management efforts, identifying problem areas and projecting costs. A basic loss run report offers only minimal information
- [The Importance of Contracts](https://kmrdpartners.com/2013/06/13/the-importance-of-contracts/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners, recently spoke to the Philadelphia Chapter of the National Contract Management Association (“NCMA”) about the importance of contracts in transferring risk, claims and insurance coverage. "Contracts are a critical component of a risk management strategy. A well-written contract is the least expensive way to transfer risk.
- [Temp Service Agency Risk & Insurance Issues – Part 2](https://kmrdpartners.com/2013/12/04/temp-service-agency-risk-insurance-issues-part-2/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Following are additional risk and insurance considerations that can come from hiring temp workers: Auto – Auto risks are not just limited to a temporary employee driving on an organization’s behalf, but
- [Contingency Planning in the event of a financial services network cyber attack](https://kmrdpartners.com/2012/10/11/contingency-planning/) - Following recent denial of service attacks on computer networks at Bank of America, JP Morgan Chase, Citigroup, U.S. Bank, Wells Fargo and PNC, House of Representatives Intelligence Committee Chairman Mike Rogers warned that emerging cyber threats to U.S. financial networks can be traced to nation states including Iran, China and Russia. According to Committee Chairman
- [Are you ready for your company’s cyber doomsday?](https://kmrdpartners.com/2014/04/03/are-you-ready-for-your-companys-cyber-doomsday/) - Last week, an insurance industry executive testifying before the Senate Committee on Commerce, Science & Transportation at a hearing on “Protecting Personal Consumer Information from Cyber Attacks and Data Breaches,” reported that clients purchasing stand-alone cyber insurance increased by more than 20% in the past year. His appearance followed by one day Senator Jay Rockefeller’s
- [Have you been hacked today?](https://kmrdpartners.com/2013/03/20/have-you-been-hacked-today/) - What do Michelle Obama, Hillary Clinton, Donald Trump, Eric Holder, Joe Biden, Beyonce and Sarah Palin have in common? All recently had financial details lifted by a hacker and later posted online. As if to demonstrate how vulnerable we all are to acts of cyber terrorism, even FBI Director Robert Mueller’s financial information was lifted
- [$300 of Premium Prevented a $95,000 Loss. Cyber Criminals](https://kmrdpartners.com/2013/03/29/300-of-premium-prevented-a-95000-loss-cyber-criminals/) - This true story was recently reported by Independent Agent magazine: While transferring $95,000 between bank accounts, a bookkeeper was redirected to a fake website by cyber criminals. The funds were then transferred to another bank, and subsequently to Serbia. Nothing more is known about what happened to the funds. Because the firm had insurance coverage
- [$0 cyber liability coverage for 75% of American businesses](https://kmrdpartners.com/2013/05/30/cyber-liability-coverage/) - According to a recent Towers Watson & Co. study, 75% of American businesses do not have cyber liability coverage. And yet, cyber security concerns affect companies of all sizes: 563,000,000 records have been reported leaked since Privacy Rights Clearinghouse began tracking US data breaches in 2005. The Privacy Rights Clearinghouse database contains information on breaches
- [KMRD Partners Helps Protect Your Business from Cyberattack](https://kmrdpartners.com/2012/10/04/kmrd-partners-helps-protect-your-business-from-cyberattack/) - Cybersecurity was in the news again last week when six major American banks were hit in a wave of computer attacks. As a result of these denial of service attacks, customers at Bank of America, JP Morgan Chase, Citigroup, U.S. Bank, Wells Fargo and PNC were all temporarily unable to gain access to their accounts
- [Could a data breach wreck your company?](https://kmrdpartners.com/2012/03/07/could-a-data-breach-wreck-your-company/) - One minute from normal following a cyber attack, the average annual cost for small to mid sized businesses has reached $200,000. Just one laptop or a thumb drive packed with sensitive information costs an average $50,000 – including forensics, notification costs, lost intellectual property, and legal, consulting and regulatory expenses. Nearly every state requires companies
- [If your data is being stolen, does it make a sound? Cyber Security Insurance is a must.](https://kmrdpartners.com/2012/02/29/cyber-security-insurance-is-a-must/) - When VeriSign recently reported a series of stealth data breaches,it became clear no organization is immune from these intrusive actions. After all, VeriSign is responsible for delivering visitors to more than half of the world’s websites and was one of the leading providers of SSL Certificates. According to a prominent security consultant, the VeriSign security
- [It’s 12:00. Do you know who is downloading your documents?](https://kmrdpartners.com/2012/02/21/its-1200-do-you-know-who-is-downloading-your-documents/) - According to a report from The Wall Street Journal, an unscheduled event arrived for Nortel Networks more than 10 years ago. In 2010, hackers with China-based internet addresses stole passwords from seven key company executives. Using these passwords, the hackers accessed company reports, business plans, employee e-mails and other confidential documents. When the breach was
- [Cybersecurity alert](https://kmrdpartners.com/2012/03/29/cybersecurity-alert/) - During the past month we have provided a series of stories and discussions regarding data breach and cyber security risks. We welcome your feedback. If your data is being stolen, does it make a sound? When VeriSign reported a series of stealth data breaches, it became clear no organization is immune from these intrusive actions.
- [What is the #1 weather-related killer? Weather Risks](https://kmrdpartners.com/2011/07/20/what-is-the-1-weather-related-killer-weather-risks/) - Weather-related events have been in the news all year. Now here comes the heat. What could become one of the nation’s worst droughts has spread across 14 states from Florida to Arizona. In Texas, alone, losses are expected to exceed $3 billion. In addition to financial losses, there will significant loss of life. According to
- [Community Alert Systems](https://kmrdpartners.com/2012/09/12/community-alert-systems/) - Both Montgomery and Bucks Counties in Pennsylvania established Community Alert Systems for local residents and employees. After signing up for this system, residents and employees receive alerts and notifications on their cell phones and e-mail regarding emergencies, severe weather, road closures and crime alerts. In addition, individuals who select the Health Alerts group will be
- [New proposed FLSA regulations could be disruptive](https://kmrdpartners.com/2015/03/10/new-proposed-flsa-regulations-could-be-disruptive/) - Proposed regulations for new white-collar exemptions to the Fair Labor Standards Act (“FLSA”) expected last month are still pending. These proposed regulations will change the test for exempt and non-exempt classifications for professional, administrative and executive employees. Because proposed changes will have a potentially disruptive effect on business operations, employers should take the following steps
- [Risks Ahead.  Life Insurance Could be Good for your Health](https://kmrdpartners.com/2016/02/20/life-insurance-is-good-for-you/) - Although a survey fielded by John Hancock shows both Gen Xers and Baby Boomers don’t feel ready for retirement, it seems life insurance can be good for their health! 53% of respondents do not feel prepared for their financial futures. However, 73% of respondents report having life insurance would help boost confidence about their futures.
- [Have you updated your insurance and risk management strategy lately?](https://kmrdpartners.com/2016/02/17/updated-insurance-risk-management-strategy-lately/) - Even the most brilliant insurance and risk management strategy must be updated on an ongoing basis to account for changed and still changing circumstances. These changes may come from without – the ever-growing risk of cyber events, new legislation and increasingly unpredictable weather patterns, for example; and they may come from within – including revenue
- [Bob Dietzel published in PropertyCasualty360.com - "Should Businesses Report a Cyber Breach?  The Jury is Still Out"](https://kmrdpartners.com/2014/04/07/bob-dietzel-published-in-propertycasualty360-com-should-businesses-report-a-cyber-breach-the-jury-is-still-out/) - Bob Dietzel, co-founder of KMRD Partners was published in Property Casualty 360. The article is entitled "Should Businesses Report a Cyber Breach? The Jury is Still Out" addresses the state of cyber risk environment. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance
- [Kevin McPoyle Article- You Don't Need Fear to Sell Cyber Insurance](https://kmrdpartners.com/2014/03/05/kevin-mcpoyle-article-you-dont-need-fear-to-sell-cyber-insurance/) - Kevin McPoyle, co-founder of KMRD Partners was published in Property Casualty 360. The article is entitled "You Don't Need Fear to Sell Cyber Insurance" addresses the need to inform clients of the cyber risks and insurance solutions. To read his article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management
- [Don't be a Weiner - Social Media Risk](https://kmrdpartners.com/2011/06/14/dont-be-a-weiner-social-media-risk/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Congressman Anthony Weiner has demonstrated how improper use of social media can have disastrous consequences. To protect your firm from the actions of an errant staff member begin with a list of
- [KMRD Partners In The News - Agents for Change](https://kmrdpartners.com/2012/07/11/kmrd-partners-in-the-news-agents-for-change/) - A reporter from The Intelligencer recently visited KMRD Partners’ co-founders Kevin McPoyle and Bob Dietzel. To read the web version of the article please According to Crissa Shoemaker, who reported the article for The Intelligencer, “Dietzel and McPoyle said several things set them apart and have led to their success. They embrace the
- [Risks Ahead. Prescription drug abuse leads to longer recovery periods, which can drive up Workers Compensation costs.](https://kmrdpartners.com/2015/11/20/risks-ahead-prescription-drug-abuse-leads-to-longer-recovery-periods-which-can-drive-up-workers-compensation-costs/) - According to Dr. Barry Sample, of Qwest Diagnostics, the incidence of prescription drug use is lower in workplaces that test for drugs. The US consumes 71% of global oxycodone supply and 99% of global hydrocodone supply. Nearly 75% of prescription drug overdoses are caused by prescription painkillers. Over 70% of people who abuse prescription painkillers
- [Are your Employees Safe?](https://kmrdpartners.com/2014/01/09/are-your-employees-safe/) - Committing to workplace safety is one New Year’s resolution worth keeping. Approximately 5,000 workers die from job injuries in the US each year, while approximately 50,000 die from work-related injuries. These injuries exert enormous personal and financial losses on affected workers, their families and businesses. Following are a few checks regarding your company’s workplace safety:
- [OSHA Hazard Communication Deadline Passes](https://kmrdpartners.com/2013/01/31/osha-hazard-communication-deadline-passes/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? US chemical manufacturers, importers and distributors were required to train over 43 million workers on new label elements and the updated Safety Data Sheet format by December 1, 2013. Major changes
- [Why You Need Disability Insurance / Overview of Types](https://kmrdpartners.com/2014/03/26/why-you-need-disability-insurance-overview-of-types/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Unfortunate fact: None of us will live forever. Also a fact: One out of every four US workers will suffer a disabling injury prior to retirement. In fact, nearly 20% of Americans
- [Auto Fleet Risks.  One of the most common moving violations is running a stop sign or red light.](https://kmrdpartners.com/2016/02/12/auto-fleet-risks-one-of-the-most-common-moving-violations-is-running-a-stop-sign-or-red-light/) - Here are the basics on the enforcement and penalties for Pennsylvania drivers who don’t come to a full stop at the “limit line” (a line painted on the street indicating where to stop), or if there is no limit line, at the entrance to the intersection or crossing. The fine for running a red light
- [Cyber Insurance - Public Wi-Fi Risks](https://kmrdpartners.com/2016/02/10/cyber-insurance-public-wi-fi-risks/) - Wi-Fi hot spots can leave you, your colleagues, and your staff wide open to hackers. Once hackers penetrate your server, your company’s information is vulnerable. This makes transferring risk through cyber liability insurance a critical component of your company’s risk management program. 95% of Wi-Fi data traffic is unencrypted. T-Mobile and AT&T— the largest providers
- [Risks Ahead.  Watch out for foodborne illnesses!](https://kmrdpartners.com/2016/02/05/risks-ahead-watch-out-for-foodborne-illnesses/) - The very young, the elderly, and persons with weakened immune systems are at greatest risk of serious consequences from foodborne illnesses. The Federal government estimates there are about 48 million cases of foodborne illness annually—the equivalent of sickening 1 in 6 Americans each year. Each year, foodborne illnesses result in an estimated 128,000 hospitalizations. These
- [OSHA Injury and Illness Reporting Requirements](https://kmrdpartners.com/2016/02/04/osha-injury-and-illness-reporting-requirements/) - As reported by OSHA, 4,679 American workers died on the job in 2014. OSHA injury and illness reporting regulations require employers to report fatalities as a result of a work-related incident within 8 hours, and in-patient hospitalizations, amputations, or loss of an eye as a result of a work-related incident within 24 hours. For your
- [Don't make these E&O errors](https://kmrdpartners.com/2012/05/23/dont-make-these-eo-errors/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Insufficient or incorrect E&O coverage could financially ruin your firm one minute from normal. Following are a few “don’ts” regarding your E&O coverage following an incident: Don’t alter or make changes to
- [Executing E&O Claims](https://kmrdpartners.com/2014/05/06/executing-eo-claims/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Even the best managed professional services firms can potentially be accused of negligence by a client or vendor. After all, even conscientious, diligent staff members can make mistakes. As a result, it
- [Errors with E&O - Part 4](https://kmrdpartners.com/2012/06/20/errors-with-eo-part-4/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? If human beings were perfect, there would be no need for Errors & Omissions coverage. Until we get perfection, we are fortunate it exists. Following the 2008 financial crisis, Robert Boatti joined
- [Are You Ready for Hurricane Storm Surge Risks?](https://kmrdpartners.com/2014/07/06/ready-hurricane-storm-surge-risks/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? More than 6.6 million homes on the Atlantic and Gulf coasts are at risk of hurricane storm surge, according to a report released by property analytics and data provider Core Logic. The
- [Are you prepared for a business interruption?](https://kmrdpartners.com/2016/01/27/are-you-prepared-for-a-business-interruption/) - Blizzards that struck the U.S. East Coast over the weekend are likely to result in “multi-billion” dollar economic losses in one of the worst storms in the region in over a century, as reported by Reuters. This is just another reminder, like Hurricane Sandy in 2012, regarding the importance of having the right insurance in
- [Risks Ahead...Be careful of grill fires](https://kmrdpartners.com/2015/07/25/risks-ahead-be-careful-of-grill-fires/) - In excess of 5,500 grill fires occur on residential property each year, according to the U.S. Fire Administration. These fires can spoil an otherwise lovely afternoon by causing an average $37 million in damages, 100 injuries and 10 deaths. In addition, thousands of people visit emergency rooms each year from burns suffered while barbecuing. Malfunctioning
- [Employee Safety is a Resolution Worth Keeping](https://kmrdpartners.com/2015/12/31/employee-safety-resolution-worth-keeping/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Committing to workplace safety is one New Year’s resolution
- [Risks Ahead.  Watch out for dog bites!](https://kmrdpartners.com/2016/01/31/risks-ahead-americans-own-more-than-56000000-dogs/) - There were more than 17,000 claims involving dog bites in 2013. Insurance payouts exceeded $483 million for dog bites. The average dog bite insurance claim paid out $29,396. When there is risk ahead, you can count on KMRD Partners Risk and Insurance Solutions for a common sense approach to risk management and transference through insurance coverage.
- [Risks Ahead.  Cyber Risk -  Midsize business owners/executives view data breach as a minor risk.](https://kmrdpartners.com/2016/01/29/risks-ahead-cyber-risk-not-a-concern/) - According to Hartford’s Midsize Business Monitor, midsize business owners/executives responded as follows regarding cyber risk: 82% view data breach as at least a minor risk 81% report storing sensitive data 68% believe they are at least somewhat likely to experience a phishing incident in the next three years 45% experience a phishing incident in the
- [Risks Ahead.  Did you know?  The number of motorists being caught for distracted driving is rising.](https://kmrdpartners.com/2016/01/15/risks-ahead-did-you-know-the-number-of-motorists-being-caught-for-distracted-driving-is-rising/) - A recent report from Pennsylvania’s court system indicates an increasing number of motorists are being caught for distracted driving. 1,140 drivers were cited for texting while driving in 2014. An increasing number of drivers are being cited under a different statute for using headphones while driving. Motorists convicted of texting while driving are required to
- [Business Auto - Interlock Devices Save Lives](https://kmrdpartners.com/2016/01/14/business-auto-interlock-devices-save-lives/) - Current ignition interlock technology prevents a vehicle from being started if a driver’s breath registers a certain amount of alcohol. The devices have been used since the 1960s, and in recent years some states have mandated their use for convicted drunk drivers. Future technology could use biometric readings via fingerprint or infrared breath analysis. Support
- [Are your employees stealing from you? Commercial Crime Insurance](https://kmrdpartners.com/2013/01/23/are-your-employees-stealing-from-you-commercial-crime-insurance/) - According to the 2012 Marquet Report major embezzlements are increasing both in number and in size. Year to year, the number of embezzlements increased 11% while the average loss jumped from $750,000 - $1,400,000. Even a relatively minor theft could force a business to cease operations. Following are a few protective measures your firm can
- [Are there Errors in your Firm's E&O Policy?](https://kmrdpartners.com/2013/02/13/are-there-errors-in-your-firms-eo-policy/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Having insufficient or incorrect Errors & Omissions (E&O) coverage can financially devastate your firm one minute from normal. Following are a few best practices regarding E&O policy “hygiene”: Every E&O policy includes
- [Choosing the right carrier for network security and privacy liability](https://kmrdpartners.com/2013/11/13/choosing-the-right-carrier-for-network-security-and-privacy-liability/) - As targeted network attacks continue to rise and governmental agencies increasingly regulate the privacy and data security environment, an increasing number of organizations are transferring their risk to insurance products. In many cases, organizations find they have little choice. It has become common for written contracts to require service providers to obtain coverage for network
- [Does your General Liability policy cover these risks?](https://kmrdpartners.com/2014/02/18/does-your-general-liability-policy-cover-these-risks/) - Chubb’s 2013 Private Company Risk Survey indicates large gaps in insurance coverage can be attributable to managers not fully understanding what is covered under their liability policies. Following are key risks not typically covered by a General Liability Policy: Financial injury resulting from actual or alleged wrongdoing by a company’s directors and officers. Employment-related discrimination,
- [Workers Compensation Insurance Fraud is Real](https://kmrdpartners.com/2014/03/13/workers-compensation-insurance-fraud/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? For businesses, workers’ comp insurance fraud can be the most common type of insurance fraud. Like all insurance fraud, it results in increased premiums for all companies. It also undermines employee morale,
- [Are you a 60 percenter?](https://kmrdpartners.com/2011/12/07/are-you-a-60-percenter/) - A survey administered by Advisen Ltd. reports that 60% of organizations do not purchase cyber liability insurance as part of their data, information and privacy risk management strategy. And yet, 86% of respondents consider cyber and information security risks to pose at least a moderate danger to their organizations. While recognizing the dangers of information
- [Another Workers Compensation Rate Reduction in PA?](https://kmrdpartners.com/2014/08/13/another-workers-compensation-rate-reduction-in-pa/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? For the third year in a row, the Pennsylvania Bureau announced a rate reduction. This year, their press release described an overall statewide decrease of 5.15% scheduled to go into effect
- [Will your cyber coverage cover you when you weren’t attacked?](https://kmrdpartners.com/2014/10/13/will-your-cyber-coverage-cover-you-when-you-werent-attacked/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? One minute from normal can occur even though your own network has not been breached, every company laptop is secure and no mobile devices have been left behind in a rental car.
- [Choosing the right carrier for network security and privacy liability](https://kmrdpartners.com/2015/02/06/choosing-the-right-carrier-for-network-security-and-privacy-liability-2/) - As targeted network attacks continue to rise and governmental agencies increasingly regulate the privacy and data security environment, an increasing number of organizations are transferring their risk to insurance products. In many cases, organizations find they have little choice. It has become common for written contracts to require service providers to obtain coverage for
- [Risks Ahead.  The potential results of incomplete auto insurance coverage.](https://kmrdpartners.com/2015/07/31/risks-ahead-the-potential-results-of-incomplete-auto-insurance-coverage/) - You should be prepared to pay for these 10 things if you have inadequate or incompletely negotiated Auto insurance coverage: Severe damage to others involved in a major accident Hail damage Damages caused by an underinsured driver (many insured drivers only carry state minimum limits) Damage from hitting an animal Damage from hitting a parking
- [Auto Insurance Coverage - Can your vehicle be hacked?](https://kmrdpartners.com/2015/08/04/auto-insurance-coverage-can-your-vehicle-be-hacked/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? In February, we reported researchers had warned technology supporting driverless vehicles could be hacked by criminals to override safety features. The Guardian reported FBI concerns that terrorists might try to hack into
- [Enterprise Risk Management - What is your total cost of risk?](https://kmrdpartners.com/2015/08/12/enterprise-risk-management-what-is-your-total-cost-of-risk/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? When asked about their most pressing environmental, health and safety issues, safety professionals listed managing the total cost of risk as the top response at 72%, followed by regulatory compliance at 58%,
- [Make Safety a Priority / Workers Comp / Safety 1st](https://kmrdpartners.com/2015/08/18/safety-1st-make-safety-a-priority-workers-comp/) - Safety 1st - Safety programs can help your organization anticipate workplace injuries and accidents; while making safety a priority can be the first step to a safer workplace. Following are recommendations that can help lead to a safer workplace: Appoint a safety officer or committee Hold meetings with staff to share safety information and tips
- [Cyber Insurance Coverage – Is a hacker riding shotgun in your company’s vehicles?](https://kmrdpartners.com/2015/08/26/cyber-insurance-coverage-is-a-hacker-riding-shotgun-in-your-companys-vehicles/) - Today's cars can stream music, place phone calls, navigate and much more. Essentially, they are smartphones on wheels. Just like smartphones, they can be hacked. "Software operating today's vehicles easily have more than 100 million lines of code -- more than a modern fighter jet, airliner or typical operating system such as Windows," according to
- [Employment Practices Liability Insurance – Five scary EPL facts](https://kmrdpartners.com/2015/09/17/employment-practices-liability-insurance-five-scary-epl-facts-2/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Virtually every firm faces an exposure to employment related claims. Following are a few data points measuring your company’s risk: More than 450 employment-related lawsuits are filed in the United States every
- [Risks Ahead. Homeowners can appeal an insurance cancellation or non-renewal to the Pennsylvania Insurance Department](https://kmrdpartners.com/2015/09/25/risks-ahead-homeowners-can-appeal-an-insurance-cancellation-or-non-renewal-to-the-pennsylvania-insurance-department/) - The Pennsylvania Insurance Department is available to help homeowners adhere to reasonable requests by insurers to make their properties safer and avoid possible cancellation or non-renewal of their homeowners’ coverage. According to a review of consumer complaints received by the Insurance Department, some consumers have had their homeowners’ insurance cancelled or non-renewed after not taking
- [Weather Insurance – don’t get snowed in by excess costs](https://kmrdpartners.com/2015/11/10/weather-insurance/) - According to the Farmer’s Almanac, we can expect a stormy winter with a significant amount of snow in the tri-state region. The Almanac is “red-flagging” the second week of January and the second week of February for possible heavy winter weather with a long, drawn out spell of stormy weather extending through the first half
- [Risks Ahead. Did you know?  The following key risks are not typically covered by a General Liability Policy?](https://kmrdpartners.com/2015/12/04/risks-aheaddid-you-know-the-following-key-risks-are-not-typically-covered-by-a-general-liability-policy/) - Financial injury resulting from actual or alleged misrepresentation, mismanagement, or lack of oversight by a company’s directors and officers. Employment-related discrimination, harassment or retaliation. Breach of fiduciary duty imposed by ERISA for an employee benefit fiduciary liability claim. Financial injury that may be insured by professional liability or product or service E&O liability policies. First-party
- [Workplace Safety Committees in Pennsylvania](https://kmrdpartners.com/2013/04/18/workplace-safety-committees/) - Following the second workers’ compensation rate reduction in a row for Pennsylvania businesses, Labor & Industry Secretary Julia Hearthway credited state-certified workplace safety committees with “encouraging a safe workplace and a productive workforce.” According to Secretary Hearthway, “More than 10,000 state-certified workplace safety committees have been established, protecting more than 1.3 million workers and saving
- [Ignorance and Workers' Comp Fraud](https://kmrdpartners.com/2014/03/06/ignorance-and-workers-comp-fraud/) - As this video shows, many workers’ comp fraudsters deceive their employers and the US taxpayer in a blatant, purposeful manner. Some individuals file false or inflated claims out of ignorance, however, due to a lack of information and knowledge regarding insurance fraud. They simply do not realize the seriousness of their offenses. To help clear
- [Opioid Epidemic Driving Up Workers' Comp Costs](https://kmrdpartners.com/2013/05/15/opioid-epidemic-driving-up-workers-comp-costs/) - Patients receiving high doses of opioids took three times longer to return to work than injured workers who received lower doses, according to a California Workers’ Compensation Institute study. In Michigan, claimants who received short-acting opioids such as Oxycodone were 76% likelier to have workers’ comp costs exceeding $100,000. Injured workers who were
- [The Importance of Drug Testing](https://kmrdpartners.com/2014/03/19/the-importance-of-drug-testing/) - From 2010 to 2012, after several years of decline, heroin-related overdose deaths increased 84% in New York City, according to NYC Health Department statistics. The federal Drug Enforcement Administration reports heroin seizures in New York State have increased 67% since 2010. While New York City has long been the hub of the US heroin
- [Contingent Business Interruption Insurance – Are you protected from third party disruptions?](https://kmrdpartners.com/2015/12/02/contingent-business-interruption-insurance-are-you-protected-from-third-party-disruptions/) - If you answer yes to any of the following questions, your company needs Contingent Business Interruption Insurance. Do any of your company’s operations heavily rely on a single or select group of third party providers of goods or services? Would a long-term computer outage disrupt your company’s ability to maintain normal business operations? Would losing
- [Is Your Insurance Coverage Keeping Pace?](https://kmrdpartners.com/2011/11/01/is-your-insurance-coverage-keeping-pace/) - Insurance Journal recently cited a report indicating, “Commodity price volatility and the rising cost of raw materials such as steel are fueling a rise in rebuilding costs for plants and facilities, particularly for companies operating in the energy sector.” The report went on to warn this imbalance could potentially have disastrous consequences for companies that
- [Could You Lose Your Business Due to a Flood?](https://kmrdpartners.com/2014/08/06/could-you-lose-your-business-due-to-a-flood/) - According to scientists, Gulf Stream water currents in the Atlantic Ocean have slowed to their weakest level in 1,000 years, threatening shifts in U.S. and European weather, as well as rising coastal sea levels including in New York and Boston. Pennsylvania is considered to be one of the most flood-prone states in the nation, with
- [Flood Insurance - South Carolina’s flooding reinforces the importance of planning](https://kmrdpartners.com/2015/10/09/flood-insurance-south-carolinas-flooding-reinforces-the-importance-of-planning/) - Although Hurricane Joaquin bypassed land, another storm provided enough tropical for what South Carolina officials have called a 1 in 1,000 year storm. More than 18 inches of rain in roughly 24 hours fell in the state, leading to severe flooding. Charleston got nearly one foot of rain on Saturday. It has been estimated 11
- [Negligent Entrustment - Auto Liability Insurance – Interlock devices save lives](https://kmrdpartners.com/2015/10/06/dui-auto-liability-insurance-interlock-devices-save-lives/) - According to Pennsylvania State Statute 75 §3805(a), all autos owned by DUI offenders may for a first offense and must for a second offense be equipped with ignition interlock devices for at least 1 year following license reinstatement. In New Jersey, a first time offender with a BAC greater than 0.15 must install an ignition interlock device.
- [Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment](https://kmrdpartners.com/2015/11/17/business-auto-insurance-policy-dont-be-sideswiped-by-negligent-entrustment/) - What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting negligent entrustment. The law maintains a company has a legal duty to investigate the driving records and qualifications of all potential drivers and take
- [Flood Insurance –  Could your business be washed away by a flood or sewer back-up?](https://kmrdpartners.com/2015/12/10/flood-insurance-could-your-business-be-washed-away-by-a-flood-or-sewer-back-up/) - Pennsylvania is considered to be one of the most flood-prone states in the nation, with approximately 83,000 miles of river and streams and nearly 2,400 local governments enrolled in the National Flood Insurance Program (NFIP). Although flood and sewer back-up is excluded under most standard commercial property policies, sewer back up can be added as
- [Domestic Travel Tips](https://kmrdpartners.com/2013/07/13/domestic-travel-tips/) - Following are a few domestic travel tips as you prepare for summer vacation. Carry identification. Carry a card identifying your blood type, known allergies, required medications, insurance agency and name of person to contact in case of emergency in your wallet or purse. Stay one step ahead of thieves. Protect yourself against pickpockets
- [Software Solutions Contract resulted in a $50 Million Lawsuit](https://kmrdpartners.com/2010/12/15/software-solutions-contract-resulted-in-a-50-million-lawsuit/) - It was a happy day when an Enterprise Resource Planning software solutions provider won a hard fought multi-million dollar software/hardware conversion contract. The provider promised the client that its software solution would integrate all operating systems, resulting in a more efficient and cost-effective model. Although all but one module was installed successfully, that last module
- [Cyber security is an enterprise level assignment](https://kmrdpartners.com/2011/12/15/cyber-security-is-an-enterprise-level-assignment/) - Once upon a time, security management for sensitive data either personal or professional, would be limited to the IT department. Today, cyber risks are wide ranging and include lost or stolen data, violation of privacy laws, intellectual property infringement and social media-related risks such as cyber-bullying and textual harassment. As a result, the combined efforts
- [It’s 12:00. Do you know where your mobile device is?](https://kmrdpartners.com/2012/02/09/cyber-security-insurance-its-1200-do-you-know-where-your-mobile-device-is/) - According to Morgan Stanley, mobile device sales will exceed personal computer sales this year. Unfortunately, company policies regarding mobile device security have lagged dangerously behind. Industry experts and cyber security thought leaders all agree; the next wave of hacking and data theft will not target laptops. It will target mobile communication devices. Following is a
- [Cyber Risk Ahead. Wi-Fi Warning](https://kmrdpartners.com/2015/06/22/cyber-risk-ahead-wi-fi-warning/) - Wi-Fi hot spots can leave you, your colleagues your staff and your hard won information wide open to hackers. Once they penetrate your server, all of your information is vulnerable, making you liable for any damages a 3rd party may bring in a breach allegation. This makes transferring risk through cyber insurance a critical component
- [BYOD - Bring Your Own Device - Suggested Risk Control Measures](https://kmrdpartners.com/2015/07/15/cyber-risk-control-measures/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Although companies can save money by adopting a “bring your own device” policy, cyber risk is significantly heightened when employees carry company information outside the office. Manage your company’s risk with this
- [Risks Ahead. WiFi Warning](https://kmrdpartners.com/2015/10/30/risks-ahead-wifi-warning/) - Wi-Fi hot spots can leave you, your colleagues your staff and your hard won information wide open to hackers. Once they penetrate your server, all of your information is vulnerable, making you liable for any damages a party may bring in a breach allegation. This makes transferring risk through cyber insurance a critical component of
- [Don’t Be Distracted By Ringtones, Alerts and Vibrations - Auto Fleet Safety](https://kmrdpartners.com/2015/12/30/dont-be-distracted-by-ringtones-alerts-and-vibrations-auto-fleet-safety/) - According to a recent study by Florida State University, the distraction caused by a notification on your personal device – an inbound phone call or text, an alarm bell or even a vibration – is comparable to the effects caused when you make a call or send a text message. Anyone who had a science
- [Risks Ahead.  Did you know?  Financial stress can take a toll on your health.](https://kmrdpartners.com/2016/01/08/risks-ahead-did-you-know-financial-stress-can-take-a-toll-on-your-health/) - Self reported depression among people who are financially stressed: 23% Self reported depression among people who are not financially stressed: 4% Self reported headaches or migraines among people who are financially stressed: 23% Self reported headaches or migraines among people who are not financially stressed: 4% Self reported ulcers or digestive tract problems among people
- [Risks Ahead.  Have you checked your New Year's Eve Risk Profile lately?](https://kmrdpartners.com/2015/12/31/risks-ahead-have-you-checked-your-new-years-eve-risk-profile-lately/) - More than 4,000 vehicles are stolen on New Year’s Eve and New Year’s Day, according to the National Insurance Crime Bureau. New Year's Eve/New Year's Day is the second most deadly day for drivers, according to the Insurance Institute For Highway Safety. Some people believe breaking anything on New Year’s Day could ring in a year
- [KMRD Cares - KMRD Partners donates meals to local communities and Ebola-stricken nations](https://kmrdpartners.com/2014/12/16/kmrd-cares-kmrd-partners-donates-meals-to-local-communities-and-ebola-stricken-nations/) - This story of charitable work begins with a holiday card. Ever since risk and insurance solutions agency KMRD Partners was started ten years ago, we would send holiday cards signed by every member of the agency’s three offices in Pennsylvania to friends every holiday season. Two years ago, we decided we wanted to get closer to
- [KMRD Cares - Wearing the "colors" while helping others...](https://kmrdpartners.com/2015/03/23/kmrd-cares-heath-mcpoyle-in-dr/)
- [KMRD Sponsors "Bowl Over Cancer" Event](https://kmrdpartners.com/2015/08/03/kmrd-sponsors-bowl-over-cancer-event/)
- [Feed My Starving Children: MobilePack 2015](https://kmrdpartners.com/2015/08/13/feed-my-starving-children-mobilepack-2015-2/) - Please join KMRD Partners in an effort to save lives! We are hosting a 2 day weekend event on Saturday, September 26th and Sunday, September 27th, 2015 at Delaware Valley University. Our goal is to pack over 336,000 meals to be distributed to hungry children all over the world. Anyone from 8 to
- [Spreading Goodwill](https://kmrdpartners.com/2015/12/23/kmrd-spreading-goodwill/) - For the third holiday season in a row, KMRD partnered with Leidy’s “Simply Delicious” to deliver delicious spiral cut hams to the Keystone Opportunity Center. Keystone Opportunity Center has a well-earned reputation for housing the homeless, feeding the hungry and educating adults and children in Upper Bucks and Montgomery Counties. To learn more about how
- [Homeowners Risks Ahead. Beware of these holiday season hazards](https://kmrdpartners.com/2015/12/18/homeowners-risks-ahead-beware-of-these-holiday-season-hazards/) - When hosting a holiday party, review the liability portion of your homeowners or renters policy in the event a guest who gets sick after consuming food at your home sues you. In many states, party hosts can be held liable if a guest is involved in an alcohol-related accident. Many courts have found hosts liable
- [Updated OSHA Recordkeeping Rule One Year Later](https://kmrdpartners.com/2015/12/16/updated-osha-recordkeeping-rule-one-year-later/) - At the beginning of 2015, the U.S. Department of Labor's Occupational Safety and Health Administration issued an updated Reporting and Recordkeeping Rule to tighten its fatality, injury and illness reporting requirements. The updated rule retained the requirement to report all fatalities within 8 hours and added the requirement to report all inpatient hospitalizations, amputations and
- [Winter Risks Ahead. Winter begins in two weeks, and with it come these risks](https://kmrdpartners.com/2015/12/10/winter-risks/) - From 1994 – 2013 insured winter storm catastrophe losses totaled more than $1 billion a year on average. Approximately 23% of vehicle crashes each year – nearly 1,312,000 – are weather related. 17% occur during snow or sleet. Water damage and freezing account for almost 22% of homeowners insurance claims, with an average of $4,024
- [KMRD Partners Hams It Up Again This Holiday Season](https://kmrdpartners.com/2015/11/04/kmrd-partners-hams-it-up-again-this-holiday-season/) - As we enter the holiday season, we are shining a light on organizations helping to care for those who are in need. In lieu of sending Holiday Cards and gifts to our clients and partners, KMRD is again delivering spiral cut hams to Keystone Opportunity Center, located in Souderton, PA, between November 6 and December
- [Risks Ahead. Have you checked your Thanksgiving risk profile lately?](https://kmrdpartners.com/2015/11/25/thanksgiving-risk-profile/) - The traditional American Thanksgiving dinner includes 3,000 – 4,500 calories. This can lead to “holiday heart syndrome,” which is caused by the combination of alcohol and overeating – often, binge drinking and binge eating – in people with otherwise normal hearts. This leads to supraventricular arrhythmias, typically atrial fibrillation. One glass of red wine amounts
- [KMRD Partners Adopts Attitude of Gratitude](https://kmrdpartners.com/2015/11/24/kmrd-partners-adopts-attitude-of-gratitude/) - People who adopt an “attitude of gratitude” as a permanent state of mind experience many health benefits, according to research fielded by Robert Emmons, a psychology professor at the University of California at Davis. According to the journal Cerebral Cortex, gratitude stimulates the sensation of pleasure. With this research and the Thanksgiving holiday in mind,
- [Risks Ahead. Driving and just about anything else don’t mix... Fleet Safety](https://kmrdpartners.com/2015/11/13/fleet-safety-driving-and-just-about-anything-else-dont-mix/) - According to a study fielded by AAA, listening to the radio and driving is a category 1 distraction. Talking on a hand-held or hands-free cell phone resulted in a category 2 distraction. Using an error-free speech-to-text system to listen to and compose e-mails is a category 3 distraction. Hands- and eyes-free use of Apple’s Siri
- [KMRD Wins National Awards for Customer Service & Recruitment, Training & Perpetuation](https://kmrdpartners.com/2011/11/11/kmrd-wins-two-national-awards/) - KMRD Partners was named the winner of two 2011 Commercial Agency Awards for Excellence: Customer Service and Recruitment, Training & Perpetuation. This comes following a review by the editorial staff of National Underwriter and American Agent & Broker Magazine, as well as a panel of outside judges. NU/AA&B Commercial Agency Awards for Excellence: KMRD The
- [KMRD Named as Finalist for Ethics in the Workplace Award](https://kmrdpartners.com/2015/01/24/kmrd-named-as-finalist-for-ethics-in-the-workplace-award/) - The Forum for Ethics in the Workplace announced the finalists for the 2015 Societas Award for Responsible Corporate Conduct. Three regional companies made the list after completing a rigorous application process. They are: Andesa Services, Barry Isett & Associates, and KMRD Partners, Inc. The Societas Award competition is open to all for-profit companies headquartered in
- [Construction Workplace Misclassification Act - More Hurdles to Overcome When Using Subcontractors - THE GREY AREA IS NOW GONE!](https://kmrdpartners.com/2011/02/02/construction-workplace-misclassification-act-more-hurdles-to-overcome-when-using-subcontractors-the-grey-area-is-now-gone/) - Effective February 11, 2011, the Construction Workplace Misclassification Act in Pennsylvania strictly regulates the use of individuals as independent contractors in the construction industry. If any worker who does not meet all of the following criteria is misclassified as an independent contractor, the hiring party business, and its officers and agents, may be civilly liable,
- [Risks Ahead.  Drowsy Drivers Cause Accidents - Update Your Auto Fleet Manual to Increase Awareness](https://kmrdpartners.com/2015/10/23/risks-ahead-drowsy-drivers-cause-accidents-update-your-auto-fleet-manual-to-increase-awareness/) - According to a study by AAA Foundation for Traffic Safety, between 2009 and 2013 21% of all fatal crashes involved a drowsy driver. 1. 37% of drivers report having fallen asleep behind the wheel at some point in their lives. 2. 11% report having fallen asleep behind the wheel in the past year. 3. Most
- [KMRD Supports Little Smiles](https://kmrdpartners.com/2015/10/20/kmrd-supports-little-smiles/) - The singular goal of the charity is putting smiles on the faces of kids in local hospitals and shelters that have been going through some really rough, and often times, life threatening issues. They are akin to a mini Make—A-Wish-Foundation where they grant all the "little" day-to-day wishes these kids have from meet and greets with
- [Safe Foreign Travel Tips](https://kmrdpartners.com/2013/06/27/safe-foreign-travel-tips/) - As a traveler in both “friendly” and “unfriendly” countries, you will be more vulnerable than local citizens. No matter how many tourist guides you may have read, you are likely to be unfamiliar with the customs, people, language, neighborhoods, laws and judicial system of the country you are visiting. This can put you at a
- [Risks Ahead.  When the weather turns cold we spend more time at home. Homeowners Insurance.](https://kmrdpartners.com/2015/10/09/when-the-weather-turns-cold-we-spend-more-time-at-home-homeowners-insurance/) - Time spent indoors increases the risk of house fires. The National Fire Protection Association (NFPA) counts more than 360,000 home structure fires each year, resulting in $6-8 billion dollars in damage. Following are the eight most common causes of home fires, according to the NFPA: Candles Smoking Electrical and lighting Dryers and washing machines Lightning
- [Less Can Be More With Employee Hours](https://kmrdpartners.com/2014/08/06/less-can-be-more-with-employee-hours/) - As the US manufacturing sector continues to be eclipsed by the service sector, the standard 9-to-5 job is being replaced by flexible work schedules. Along with this shift, service businesses are shrinking the number of hours between shifts. They are relying on smaller, leaner staffs to reduce operating costs, even as they stay open longer
- [Vehicle Fleet Risks Ahead. Gender matters on the highway.](https://kmrdpartners.com/2015/10/02/vehicle-fleet-risks-ahead-gender-matters-on-the-highway/) - Young females have more auto crashes at intersections and collisions with pedestrians. Young males have more auto crashes after sunset than young females. Young females are more likely to be involved in auto crashes during weekdays. Young males are more likely to be involved in auto crashes during weekends. Young females are 66% more likely
- [2015 Feed My Starving Children Event Was A Great Success!](https://kmrdpartners.com/2015/09/29/2015-feed-my-starving-children-event-was-a-great-success/) - From Kevin McPoyle... My heart is full! We successfully completed the Feed My Starving Children Mobilepack event due to your incredible generosity in spirit, finance and people. By supporting us, we were able to concentrate on the real reason we came together; to save kids and change hearts. I hope each of your teams came
- [Auto liability and collision claims costs are rising](https://kmrdpartners.com/2015/03/29/auto-liability-and-collision-claims-costs-are-rising/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? According to the National Highway Traffic Safety Administration, U.S. motor vehicle crashes in 2012 cost an estimated $1 trillion ($1,000,000,000,000) in terms of loss of productivity and loss of life. An
- [Emergency planning advice and help for businesses](https://kmrdpartners.com/2011/02/09/emergency-planning-advice-and-help-for-businesses/) - A business was established by the U.S. government to help organizations get ready by offering emergency planning advice, including a range of publications and support materials. To remain in business in the event of an emergency, this federal agency recommends that organizations begin with a plan. “Business continuity planning must account for all hazards
- [The human element of supply chain disruption - Employee Safety](https://kmrdpartners.com/2015/09/23/the-human-element-of-supply-chain-disruption-employee-safety/) - The more your organization understands the “hidden human element” of supply chain risk, the better prepared you will be for supply chain disruptions from inside the organization. Smaller companies often rely on one person to maintain and fix critical machinery, rather than sending it out for repair. If that specially trained worker is on vacation
- [Their Workers Compensation Wasn't Working](https://kmrdpartners.com/2013/01/11/their-workers-compensation-wasnt-working/) - For the past four years, Thresher Manufacturing chased price while shopping its Workers’ Compensation policy from broker to broker. With each supposed step forward Thresher instead took two steps backward, as its loss frequency increased by 50% and its claim costs increased by 30%. Add to this the fact that the company’s Workers’ Compensation Experience
- [Risks Ahead. Is your firm covered for Employment Practices Liability?](https://kmrdpartners.com/2015/09/18/risks-ahead-is-your-firm-covered-for-employment-practices-liability/) - The probability of a plaintiff receiving a favorable verdict in a jury trial involving an employment practices liability (EPL) claim exceeded 50% in 2012. The median jury verdict in a trial involving an EPL claim was $70,000; the mean verdict was $513,771. The amount of all verdicts in such cases ranged from $53 to $42.7
- [Risks Ahead. Americans are twice as likely to get food poisoning from food prepared at a restaurant than from food prepared at home](https://kmrdpartners.com/2015/09/11/risks-ahead-americans-are-twice-as-likely-to-get-food-poisoning-from-food-prepared-at-a-restaurant-than-from-food-prepared-at-home/) - The Federal government estimates there are approximately 48 million cases of food-borne illness annually. Approximately 1 in 6 Americans get sick, 128,000 are hospitalized and 3,000 die of food-borne diseases. The very young, the elderly, and persons with weakened immune systems are at greatest risk of serious consequences from most food-borne illnesses. For more information
- [Workers Compensation Coverage – Opioids are a gateway drug to heroin](https://kmrdpartners.com/2015/09/09/workers-compensation-coverage-opioids-are-a-gateway-drug-to-heroin/) - While there were 16,235 deaths involving prescription opioids in 2013, an increase of 1% from 2012, the number of deaths involving heroin increased dramatically. There were 8,257 heroin-related deaths in 2013, up 39% from 2012. Total drug overdose deaths in 2013 hit 43,982, up 6% from 2012. A California Workers’ Compensation Institute study reported that
- [Risks Ahead. Insurance coverage hasn’t kept up as renters outnumber homeowners in key markets](https://kmrdpartners.com/2015/09/04/risks-ahead-insurance-coverage-hasnt-kept-up-as-renters-outnumber-homeowners-in-key-markets-renters-insurance/) - Renters outnumber homeowners in major US cities including New York, Los Angeles, Chicago and Houston; cities at high risk for natural disasters like hurricanes, earthquakes and severe winter weather. In Philadelphia, the number of renters is quickly approaching the number of homeowners. Yet, the Insurance Information Institute reports only 37% of renters have renters insurance,
- [Risks Ahead. Age counts on highway and in Auto Insurance](https://kmrdpartners.com/2015/08/28/risks-ahead-age-counts-on-highway-and-in-auto-insurance/) - According to statistics from the National Highway Traffic Safety Administration and the Insurance Institute for Highway Traffic Safety, the safest drivers are in the age group between 64 and 69 years old. Studies of the data reveal that teenage drivers — especially male teenage drivers — are the most dangerous drivers on the road. Young
- [Risks Ahead. Have you checked your Employment Practices Liability Coverage lately?](https://kmrdpartners.com/2014/08/22/risks-ahead-have-you-checked-your-employment-practices-liability-coverage-lately/) - Have you checked your Employment Practices Liability Coverage lately? The average US-based business with at least 10 employees has a 1 in 8 chance of being accused of an employment liability charge, according to an employment practices litigation study released by Hiscox in April 2014. Wage and hour lawsuits in federal court have gone up
- [Bob Dietzel Article - When the 'Internet of Things' Meets Crime, It's a 'Cyberastrophe'](https://kmrdpartners.com/2014/06/17/bob-dietzel-article-when-the-internet-of-things-meets-crime-its-a-cyberastrophe/) - Bob Dietzel, co-founder of KMRD Partners was published in Property Casualty 360. The article is entitled "When the 'Internet of Things' Meets Crime, It's a 'Cyberastrophe'" which addresses the increasing magnitude of Cyber Attacks and the need understand and plan for this risk. To read the article - About KMRD Partners, Inc. – KMRD Partners,
- [Bob Dietzel published in PropertyCasualty360.com - "Risky Business on the Fourth"](https://kmrdpartners.com/2014/06/30/bob-dietzel-published-in-propertycasualty360-com-risky-business-on-the-fourth/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners was published in PropertyCasualty360.com. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a
- [Brian Heun Featured in PropertyCasualty360 - "The Risk of Not Taking Risk"](https://kmrdpartners.com/2013/04/23/brian-heun-featured-in-propertycasualty360-the-risk-of-not-taking-risk/) - Brian Heun, a partner of KMRD Partners was published by PropertyCasualty360.com To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a unique approach that
- [Brian Heun Featured in PropertyCasualty360 - "Work on your handshake!"](https://kmrdpartners.com/2014/07/31/brian-heun-featured-in-propertycasualty360-work-on-your-handshake/) - Brian Heun, a partner of KMRD Partners was published by PropertyCasualty360.com To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a unique approach that
- [Risks Ahead. Safe behavior on the highway can also save money.  Fleet Safety Programs are Important!](https://kmrdpartners.com/2015/08/21/risks-ahead-safe-behavior-on-the-highway-can-also-save-money-fleet-safety-programs-are-crucial/) - If ice or snow breaks free from a moving car and causes injury or property damage, Pennsylvania motorists can be fined $200 to $1,000. Distractions on the dashboard or in front of the windshield can lead to a $54 fine for New Jersey motorists. This can include air fresheners dangling from the rear view mirror.
- [KMRD Partners Helps Establish A Culture of Preparedness](https://kmrdpartners.com/2012/09/26/kmrd-partners-helps-establish-a-culture-of-preparedness-2/) - Kevin McPoyle, President and co-founder of KMRD Partners, was recently featured in American Agent & Broker Insider, where he reviews the importance for companies to foster a “Culture of Preparedness” at both the workplace and at home. To read the full article Kevin discusses how a disregard for common safety procedures by a
- [Dangerous Social Media Risks](https://kmrdpartners.com/2011/04/26/dangerous-social-media-risks/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Last month we covered how social media tools can be used to quickly disseminate information should disaster strike your organization or local community. Unfortunately, there is also a risk these tools will
- [More social media risks](https://kmrdpartners.com/2011/11/30/more-social-media-risks/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? A few weeks ago we covered the risks attributable to employees’ social media usage. We further recommended employees be required to avoid job talk on social media sites. The following is another
- [One Minute from Normal - Using Social Media](https://kmrdpartners.com/2011/03/02/one-minute-from-normal-using-social-media/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? An increasing number of firms are turning to social media to get ready for what can happen one minute from normal. Here’s why: As has been demonstrated during recent unrest in countries
- [Updated OSHA Reporting Requirements](https://kmrdpartners.com/2014/12/13/updated-osha-reporting-requirements/) - OSHA has enacted new reporting requirements effective January 1, 2015. Employers are now required to report all work-related fatalities within 8 hours and all in-patient hospitalizations, amputations, or loss of an eye within 24 hours of learning about the incident. Prior to these updated reporting requirements, employers were only required to report workplace fatalities or
- [PA Workers Comp Patients Receive 2x as many Painkillers than inNJ](https://kmrdpartners.com/2014/03/18/pa-workers-comp-patients-receive-2x-as-many-painkillers-than-innj/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? In Pennsylvania, an injured worker who is out more than seven days without surgery is typically prescribed twice the amount of narcotics as one in New Jersey, according to a Workers Compensation
- [Bob Dietzel spoke to the National Contract Management Association on  Insurance and Contracts](https://kmrdpartners.com/2013/05/29/bob-dietzel-spoke-to-the-national-contract-management-association-on-insurance-and-contracts/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners spoke to the Philadelphia Chapter of the National Contract Management Association (NCMA ) about the importance of contracts in transferring risk, claims and insurance coverage. "Contracts are a critical component of a risk management strategy! A well written contract is the least expensive way to transfer
- [Bob Dietzel published in PropertyCasualty360.com - "Commercial Agencies of the Year Share Success Secrets in Exclusive Roundtable"](https://kmrdpartners.com/2011/11/04/bob-dietzel-published-in-propertycasualty360-com-commercial-agencies-of-the-year-share-success-secrets-in-exclusive-roundtable/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners was published in PropertyCasualty360.com. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a
- [KMRD Partners Helps Establish A Culture of Preparedness](https://kmrdpartners.com/2012/09/12/kmrd-partners-helps-establish-a-culture-of-preparedness/) - Kevin McPoyle, President and co-founder of KMRD Partners, was recently featured in American Agent & Broker Insider, where he reviews the importance for companies to foster a “Culture of Preparedness” at both the workplace and at home. To read the full article Kevin discusses how a disregard for common safety procedures by a
- [Thanking Veterans For Their Service With Jobs](https://kmrdpartners.com/2014/05/21/thanking-veterans-for-their-service-with-jobs/) - Kevin McPoyle, co-founder of KMRD Partners was published in Property Casualty 360. The article is entitled "Thanking Them For Their Service With Jobs". In the article Kevin suggests, "Rather than looking at hiring veterans as a charitable act, employers should realize by hiring a trained vet they will get someone of significant value for their
- [Kevin McPoyle Article- Leveraging Hindsight into Foresight: Lessons from the Titanic](https://kmrdpartners.com/2012/04/11/kevin-mcpoyle-article-leveraging-hindsight-into-foresight-lessons-from-the-titanic/) - Kevin McPoyle, co-founder of KMRD Partners was featured in Property Casualty 360. The article is entitled "Leveraging Hindsight into Foresight: Lessons from the Titanic." To read his article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement,
- [Kevin McPoyle’s interview with American Agent & Broker – R&O Independent Agents and Brokers: Shining Stars](https://kmrdpartners.com/2011/12/01/kevin-mcpoyles-interview-with-american-agent-broker-ro-independent-agents-and-brokers-shining-stars/) - Kevin McPoyle, co-founder of KMRD Partners was interviewed by Property Casualty 360. The article is entitled "R&O Independent Agents and Brokers: Shining Stars." To read his article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making
- [KMRD's Double Threat](https://kmrdpartners.com/2011/11/01/kmrds-double-threat/) - KMRD Partners was featured in Property Casualty 360. The article focuses on the two co-owners, Bob Dietzel and Kevin McPoyle, and their successful business model. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission
- [Kevin McPoyle Interviewed by Property Casualty 360- Targeting the Other 1 Percent: Hiring Veterans](https://kmrdpartners.com/2013/03/17/kevin-mcpoyle-interviewed-by-property-casualty-360-targeting-the-other-1-percent-hiring-veterans/) - Kevin McPoyle, co-founder of KMRD Partners was interviewed by Laura Mazzuca of Property Casualty 360 on the benefits of hiring veterans. “We owe these people our appreciation and the resources to help them,” McPoyle said. To read the article - About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant
- [Feed My Starving Children: MobilePack Event 2014](https://kmrdpartners.com/2014/08/03/feed-my-starving-children-mobilepack-event-2014/) - Kevin McPoyle, co-founder of KMRD Partners, Inc. made it his mission to organize an effort to pack meals for hungry children across the globe. Kevin's letter to the editor described the event the best... "Saturday and Sunday, over 1,000 volunteers from Willow Grove to Perkasie and from 8 to 80 years of age
- [Bob Dietzel published in PropertyCasualty360.com - "Advise Clients About 4 Kinds of Second-Hand Risk"](https://kmrdpartners.com/2013/07/03/bob-dietzel-published-in-propertycasualty360-com-advise-clients-about-4-kinds-of-second-hand-risk/) - Bob Dietzel, co-founder and Managing Partner of KMRD Partners was published in PropertyCasualty360.com. "Those of us who are committed to supporting organizational risk management know fully and by example that not all risks are under the insured’s immediate control. Agents and underwriters owe it to their clients to communicate the benefits of coverage for
- [Kevin McPoyle featured in Property Casualty 360  "The Second Mile Foundation: 4 Possible Scenarios, 5 Risk Management Lessons"](https://kmrdpartners.com/2011/12/21/kevin-mcpoyle-featured-in-property-casualty-360-the-second-mile-foundation-4-possible-scenarios-5-risk-management-lessons/) - Kevin McPoyle, co-founder of KMRD Partners was published in PROPERTY CASUALTY 360. For the electronic version, About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a unique approach that
- [Kevin McPoyle featured in Property Casualty 360  "Titanic: The Mother of All Disasters and Everyday Risk"](https://kmrdpartners.com/2012/04/09/kevin-mcpoyle-featured-in-property-casualty-360-titanic-the-mother-of-all-disasters-and-everyday-risk/) - Kevin McPoyle, co-founder of KMRD Partners was published in PROPERTY CASUALTY 360. For the electronic version, About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost of Risk”, is a unique approach that
- [Kevin McPoyle and Bob Dietzel are featured in Property Casualty 360  "Recent Cats Could Be Insurance's Tipping Point"](https://kmrdpartners.com/2011/09/01/kevin-mcpoyle-and-bob-dietzel-are-featured-in-property-casualty-360-recent-cats-could-be-insurances-tipping-point/) - Kevin McPoyle and Bob Dietzel, co-founders of KMRD Partners, were published ion September 1 in PROPERTY CASUALTY 360. For the electronic version, About KMRD Partners, Inc. – KMRD Partners, Inc. is a risk management consultant and insurance broker headquartered in the Philadelphia region. Their mission statement, “Making a difference by Managing the Cost
- [Disabled Veterans Insurance Careers names Kevin McPoyle as Regional Director](https://kmrdpartners.com/2012/07/24/disabled-veterans-insurance-careers-names-kevin-mcpoyle-as-regional-director/) - Disabled Veterans Insurance Careers, dedicated to helping disabled U.S. veterans by providing new opportunities for training and employment in the insurance industry, announces the appointment of Kevin McPoyle, a founding partner and president of KMRD Partners Inc., as a regional director. “Kevin is a tireless and inspirational leader,” said James Pender, DVIC co-founder and chairman.
- [Kevin McPoyle Published in PropertyCasualty 360.com - Thinking of Veterans on Memorial Day](https://kmrdpartners.com/2013/05/23/kevin-mcpoyle-published-in-propertycasualty-360-com-thinking-of-veterans-on-memorial-day/) - Kevin McPoyle, co-founder of KMRD Partners was published by PropertyCasualty360.com "Returning veterans, as well as their families, have contributed a great service and sacrifice to we who remained behind. By creatively visualizing how skills veterans learned in the military can be translated to the workplace, we can help to fulfill our sense of gratitude towards
- [Kevin McPoyle Interviewed by Gene Dickison's Radio Show "More than Money"](https://kmrdpartners.com/2013/06/29/kevin-mcpoyle-interviewed-by-gene-dickisons-radio-show-more-than-money/) - Kevin McPoyle, co-founder of KMRD Partners was interviewed by Gene Dickison on "More than Money". Kevin's interview focused on his experience in starting his new venture, the KMRD difference, and advice to those who are considering going out on their own. To listen to his 20 minute interview - CLICK HERE
- [KMRD In The News - The Value of Partnerships](https://kmrdpartners.com/2014/08/07/kmrd-in-the-news-the-value-of-partnerships/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? Kevin McPoyle, President and co-founder of KMRD Partners, recently discussed the benefits of partnership in PropertyCasualty360. Kevin observes how in the absence of a productive partnership, very little work gets done. He
- [DVIC Names Kevin McPoyle as Regional Director](https://kmrdpartners.com/2012/07/24/dvic-names-kevin-mcpoyle-as-regional-director/) - WARRINGTON, Pa. (July 24, 2012) – Disabled Veterans Insurance Careers( DVIC), dedicated to helping disabled U.S. veterans by providing new opportunities for training and employment in the insurance industry, announces the appointment of Kevin McPoyle, a founding partner and president of KMRD Partners Inc., as a regional director. “Kevin is a tireless and inspirational
- [Disaster Recovery - Your help is needed](https://kmrdpartners.com/2011/06/07/disaster-recovery-your-help-is-needed/) - At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? With flowers blooming, birds chirping and hamburgers sizzling on the grill, what is there not to like about June? If you work for FEMA or the American Red Cross, or live in
- [Risks Ahead.  Business Interruption Coverage - Climate change has become big business.](https://kmrdpartners.com/2015/08/06/risks-ahead-business-interruption-coverage-climate-change-has-become-big-business/) - According to Climate Change Business Journal, the climate change consulting market is valued at $1.9 billion worldwide. With more tornadoes than any other country in the world, nearly half this amount is spent in the US. Up to 60 people die in U.S. tornadoes each year. Up to 1,500 people are injured in U.S. tornadoes
- [Enterprise Risk Management. Risks Ahead. Improbable risks aren't so improbable now.](https://kmrdpartners.com/2015/07/17/risks-ahead/) - According to PricewaterhouseCoopers, “Improbable risks aren’t so improbable now; they’re becoming the norm in a more uncertain world.” The number of man-made and natural disasters has tripled over the past 40 years. With the Internet now connecting from 10 billion to 15 billion devices, the ripple effects of a computer hack grow ever greater. From
- [Fleet Safety - Hands-free cell phone hazards](https://kmrdpartners.com/2015/07/28/hands-free-cell-phone-hazards/) - Hands-free cell phone hazards At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? While 14 states, D.C., Puerto Rico, Guam and the U.S. Virgin Islands prohibit all drivers from using hand-held cell phones while driving, no state has a similar blanket
- [Risks Ahead.  As temperatures climb, so will the risk off premises power interruption.](https://kmrdpartners.com/2015/07/21/risks-ahead-as-temperatures-climb-so-will-the-risk-off-premises-power-interruption/) - By 2050, the average number of heat waves each summer in our area may grow from two to six. Heat waves will be longer, lasting five to six days each. During peak summer hours, wires and feeders around New York City carry almost twice the amount of wattage as they do on a winter day.
- [Kevin McPoyle Featured in Article - Targeting the Other 1 Percent: Hiring Veterans](https://kmrdpartners.com/2013/05/18/kevin-mcpoyle-featured-in-article-targeting-the-other-1-percent-hiring-veterans/) - Inculcated with team thinking and strong work ethic, veterans seem like a natural fit for the insurance industry. Unfortunately, the industry doesn't agree. SEE THE ARTICLE BY LAURA MAZZUCA TOOPS, PROPERTYCASUALTY360.COM
- [Recovery Begins After Disaster Strikes](https://kmrdpartners.com/2015/06/01/recovery-begins-after-disaster-strikes/) - There is no textbook disaster, and yet... Every disaster is different. The gulf oil spill has been different than Katrina, just as the wild fires that recently scorched California’s Riverside County were different than the gulf oil spill. And yet, each successful disaster recovery exhibits many of the same attributes. Effective management Every successful recovery
- [Government Contractors – Is Immunity Enough?](https://kmrdpartners.com/2015/06/02/government-contractors-is-immunity-enough/) - ny companies that are in the Federal Government Contractor (FGC) space need to strike a balance between competitive market dynamics and exposure to risk. While the unique liability immunities available to FGCs may be a key component of the overall risk management plan, consider these scenarios: Third-Party Bodily Injury – Product Liability The Government Contractors

## Pages

- [Home](https://kmrdpartners.com/)
- [KMRD's Payment Portal](https://kmrdpartners.com/about-us/kmrds-payment-portal/) - CLICK HERE TO PAY YOUR INVOICE Simply click on the online payment button above and fill in all fields to ensure your billing will be processed correctly. Credit Card Payments Process: Click the online payment button and fill in all fields Fees: A process fee is charged directly by the third-party vendor Fee-Free Alternative Option:
- [Sarah Gamble, REBC](https://kmrdpartners.com/about-us/sarah-lunetta-rebc/) - [columns] [/columns] Sarah works with KMRD clients to manage their benefit plans, help employees navigate their benefit plans and work alongside our senior team to find the best benefit programs to fit the culture and budget of our clients. Prior to joining KMRD Partners, Sarah spent 6 years at a regional insurance brokerage firm. She
- [Our People](https://kmrdpartners.com/about-us/team/) - [columns] [/columns]
- [Eric Warenius, Account Manager](https://kmrdpartners.com/about-us/eric-warenius/) - [columns] [/columns] Eric works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. He also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Disciplines Support day-to-day servicing and
- [Michael Lucas, Risk Manager](https://kmrdpartners.com/about-us/michael-lucas-associate-account-manager-1/) - [columns] [/columns] Mike coordinates the negotiation of coverage terms, conditions and pricing, claims and loss control services, quality control reviews of policies and endorsements, along with other important risk management services such as contract reviews, bid and accrual support, and forecasting. Disciplines In the News
- [Andrew Laurie, CISR, Risk Manager](https://kmrdpartners.com/about-us/andrew-laurie-account-manager/) - [columns] [/columns] Andrew coordinates the negotiation of coverage terms, conditions and pricing, claims and loss control services, quality control reviews of policies and endorsements, along with other important risk management services such as contract reviews, bid and accrual support, and forecasting. Disciplines In the News
- [Alex Dufresne, Account Manager](https://kmrdpartners.com/about-us/alex-dufresne/) - [columns] [/columns] Alex works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. He also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Disciplines Support day-to-day servicing and
- [Sheila Begley](https://kmrdpartners.com/about-us/sheila-begley/) - [columns] [/columns] Sheila works with KMRD clients to manage their benefit plans, help employees navigate their benefit plans and work alongside our senior team to find the best benefit programs to fit the culture and budget of our clients. Disciplines
- [Tina Van Buren, CSFS](https://kmrdpartners.com/about-us/tina-van-buren/) - [columns] [/columns] Prior to KMRD, Tina Van Buren was a founding partner of Embrook Benefits. She is a systems guru when it comes to the intricacies of navigating benefits and HR administration. Tina advocates for her clients – from solving problems that arise among payors, providers and other service providers, to an eye for detail
- [Lisa Simon, CISR, Account Manager](https://kmrdpartners.com/about-us/lisa-simon-cisr-account-manager/) - [columns] [/columns] Lisa works closely with the Risk Managers to deliver KMRD’s service plan and she is the first person to review all of the papers and inquiries KMRD receives that impact your business. She also provides day-to-day services on her portfolio of accounts ensuring all questions and needs are addressed promptly and professionally. Lisa
- [Jack Johns, Producer](https://kmrdpartners.com/about-us/jack-johns/) - [columns] [/columns] Education
- [Lisa Pascoe, Vice President, Administration](https://kmrdpartners.com/about-us/lisa-pascoe-vice-president-administration/) - [columns] [/columns] Lisa oversees the day-to-day organization and coordination of our office in Warrington. Lisa’s role is to create and maintain a pleasant work environment, ensuring high levels of organization effectiveness, communication and safety. Lisa also handles all the vendor relationships for KMRD. Disciplines
- [Angie Haldeman, Claims Advocate](https://kmrdpartners.com/about-us/angie-haldeman/) - [columns] [/columns] Angie's claims advocacy role creates a united effort so all claims are treated as important and sensitive. His efforts maximize coverage where appropriate and minimize liability and workers compensation loss experience. She decreases the cost of risk and lower premiums for KMRD clients over the long term. Disciplines
- [Abbey Boyer, Associate Account Manager](https://kmrdpartners.com/about-us/abbey-boyer-associate-account-manager/) - [columns] [/columns] Abbey works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Disciplines Support day-to-day servicing and
- [Gerry Sorge, Claims Advocate](https://kmrdpartners.com/about-us/gerry-sorge-claims-advocate-2/) - [columns] [/columns] Gerry's claims advocacy role creates a united effort so all claims are treated as important and sensitive. His efforts maximize coverage where appropriate and minimize liability and workers compensation loss experience. He decreases the cost of risk and lower premiums for KMRD clients over the long term. Gerry has been working with clients
- [Theresa DiPasquale, Client Services Associate](https://kmrdpartners.com/about-us/theresa-dipasquale/) - [columns] [/columns] Theresa works closely with your Risk and Account Managers to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Disciplines Support day-to-day
- [About Us](https://kmrdpartners.com/about-us/) - [columns class="center"] [/columns] [columns] [/columns]
- [Client Access](https://kmrdpartners.com/client-access/) - [columns] [/columns] [columns class="center"] [/columns] [columns class="center"] [/columns] [columns class="center"] [/columns] [columns class="center"] [/columns]
- [Property and Casualty Insurance](https://kmrdpartners.com/risk-management-solutions/property-casualty-insurance/) - At KMRD, our property and casualty brokerage team performs a thorough review of your operations and builds a clear and understandable summary of your company’s exposures. We then work to deliver the best available coverage for your company. We provide the due diligence, risk assessment, coverage expertise, and quality control processes to design a quality
- [Careers](https://kmrdpartners.com/careers/) - [columns class="larger-text"] [/columns] [/fullwidth] [columns] [columns] [/columns] Machine Readable Files Disclosure for Existing Employees - The healthcare system can be complex. At KMRD, we pride ourselves on making navigation easy and care as affordable as possible. In accordance with the Transparency in Coverage rule, we have partnered with JP Farley to provide
- [Bob Dietzel, ARM, CIC](https://kmrdpartners.com/about-us/bob-dietzel/) - [columns] [/columns] Bob consults with companies on identifying, mitigating, and transferring risks in an economical way. Prior to founding KMRD IN 2005, Bob spent eleven years with a top 50 property & casualty insurance consulting and brokerage firm where he acted as his clients’ outsource risk manager managing a portfolio of commercial clients with assets
- [Featured Articles](https://kmrdpartners.com/featured-articles/) - Featured Articles Electric Vehicle Insurable Risk Explained Bob Dietzel discusses the new insurance risks arising with Electric Vehicles when it comes to the different charging stations and battery storage. June 2024 Employee Benefits are Evolving for Remote Workers Tina Van Buren discusses how HR professionals are reevaluating benefits packages for the new norm of Working
- [International Risk Management and International Insurance Programs](https://kmrdpartners.com/industries/international-insurance-programs/) - [columns] [/columns] In today’s shrinking world companies with global risks are prominent. We understand the challenges and have tools and relationships to design successful solutions for your international insurance needs. KMRD's team of experts have extensive knowledge in designing and managing international insurance programs. Our disciplined approach, proven process, world-class service team and award-winning risk management portal are
- [Terri Quinn, Account Manager](https://kmrdpartners.com/about-us/terri-quinn/) - [columns] [/columns] Terri works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Terri started in this business 1985. Disciplines Day
- [Allison Hill, Account Manager](https://kmrdpartners.com/about-us/allison-hill-account-manager/) - [columns] [/columns] Ali works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Ali started in this business
- [Ingrid Dunlap, CIC  Risk Manager](https://kmrdpartners.com/about-us/ingrid-dunlap/) - [columns] [/columns] As her clients' Risk Manager, Ingrid coordinates the negotiation of coverage terms, conditions and pricing, claims and loss control services, quality control reviews of policies and endorsements, along with other important risk management services such as contract reviews, bid and accrual support, and forecasting. Ingrid has been in the industry since 1996 and developed a
- [Kevin McPoyle, CIC, RPLU, CPLP](https://kmrdpartners.com/about-us/kevin-mcpoyle/) - [columns] [/columns] Prior to KMRD, Kevin spent eleven years with a top 50 Property and Casualty insurance consulting and brokerage firm, establishing a portfolio of clients in diverse industries with a worldwide footprint. Following a successful military career as a former attack helicopter pilot, Kevin worked for Air Products where he developed the plan and
- [Global Network of Brokers](https://kmrdpartners.com/risk-management-solutions/global-network-brokers/) - Worldwide Broker Network [columns] [/columns] WBN HOMEPAGE > WBN OVERVIEW > WBN RESOURCES > WBN + KMRD > Founded in 1989, WBN has grown from nine member firms in Western Europe to more than 100 partner firms spanning the globe and serving clients through 500+ offices on six continents. WBN has become an
- [Zach Boyer, Account Manager](https://kmrdpartners.com/about-us/zach-boyer-account-manager/) - [columns] [/columns] Zach works closely with your Risk Manager to deliver KMRD’s service plan and the first person to review all paper and inquiries KMRD receives that impact your business. He also provides day-to-day service on his portfolio of accounts ensuring that all questions and needs are addressed promptly. Zach started working at KMRD in
- [JOB OPENINGS](https://kmrdpartners.com/jobopenings/) - Careers at KMRD Partners - The Possibilities Are Endless KMRD delivers risk management, human capital and insurance brokerage solutions to 1,000's of clients worldwide. Our award-winning team, disciplined approach, proven processes, combined with our collaborative technology makes KMRD the leading choice for existing clients and future partners looking to improve risk profiles and productivity. Life
- [Carol Mosteller, CPRM, Personal Lines Account Manager](https://kmrdpartners.com/about-us/carol-mosteller/) - [columns] [/columns] Carol works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Carol started in this business 1982. Disciplines
- [Personal Lines Insurance](https://kmrdpartners.com/risk-management-solutions/personal-lines-insurance/) - We combine the technical expertise and product knowledge with a dedication to service excellence designed to provide total peace of mind. Our experienced team of specialists can work with you to provide customized coverage options for most every risk exposure in and around the home. At KMRD, we make sure to locate and secure choices
- [Jenean Meier, Claims Advocate](https://kmrdpartners.com/about-us/jenean-meier/) - [columns] [/columns] Jenean assists our clients in managing their claims and risk control programs. Jenean’s advocacy role creates a united effort so that all claims are treated as important and sensitive. Her efforts maximize coverage where appropriate and minimize liability and worker’s compensation loss experience. She decreases the cost of risk and lowers premiums for
- [Keith Boyer, ARM, AIC](https://kmrdpartners.com/about-us/keith-boyer/) - [columns] [/columns] Keith has over 20 years of experience in the property & casualty insurance industry. Prior to joining KMRD, Keith spent over 14 years with a top 50 property & casualty insurance consulting and brokerage firm, establishing a portfolio of clients in diverse industries. Prior to his career in risk management, Keith served with
- [AJ Zonin, Account Manager](https://kmrdpartners.com/about-us/aj-zonin-account-manager/) - [columns] [/columns] AJ works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. He also provides day-to-day service on his portfolio of accounts ensuring that all questions and needs are addressed promptly. AJ started working at KMRD
- [Dana Garber](https://kmrdpartners.com/about-us/dana-garber/) - [columns] [/columns] Dana works with KMRD clients to manage their benefit plans, help employees navigate their benefit plans and work alongside our senior team to find the best benefit programs to fit the culture and budget of our clients. Dana joined KMRD as an intern in the summer of 2020 and came on full time
- [Brian Heun](https://kmrdpartners.com/about-us/brian-heun/) - [columns] [/columns] Once a relationship has been established, Brian “quarterbacks” the KMRD Service team to “plug the gaps”. Brian is not just a salesperson. He is a knowledgeable insurance and risk management professional who is a critical component of the service team. Brian is experienced in the technical sales environment and has earned many sales and management rewards
- [KMRD + Ultimate Risk Services](https://kmrdpartners.com/client-access/kmrd-ultimate-risk-services/) - [smartslider3 slider="2"] CLICK FOR CLIENT LOGIN [columns] [/columns]
- [KMRD + Zywave Robust Human Resource Tools](https://kmrdpartners.com/client-access/kmrd-zywave-robust-human-resource-tools/) - [smartslider3 slider="2"] CLICK FOR CLIENT LOGIN [columns] [/columns] [columns] [/columns] For any questions about the Zywave Human Resources Client Portal, please reach out to Chris Van Buren at CVanBuren@kmrdpartners.com
- [Online Benefits Administration](https://kmrdpartners.com/client-access/online-benefits-administration/) - [smartslider3 slider="2"] For any questions about the Zywave Human Resources Client Portal, please reach out to Chris Van Buren at CVanBuren@kmrdpartners.com
- [Indio](https://kmrdpartners.com/client-access/indio-2/) - [smartslider3 slider="2"] For any questions about the Indio Client Portal, please reach out to your Account or Risk Manager
- [KMRD + GotSafety](https://kmrdpartners.com/client-access/kmrd-gotsafety/) - [smartslider3 slider="2"] CLICK FOR CLIENT LOGIN [columns] [/columns] [columns][one_] [/one_][/columns]
- [Human Capital Solutions](https://kmrdpartners.com/human-capital-solutions/) - Have a question about any of our Human Capital Solutions? Please use the contact form below or email us or call us at 866-957-KMRD (5673) to talk with one of our human capital professionals.
- [Risk Management Service Team](https://kmrdpartners.com/risk-management-solutions/risk-management-service-team/) - Your Service Team Role of Sales and Relationship Manager Role of Risk Manager KMRD's Risk Managers are a key part of your outsourced risk management staff and serve your day to day needs. They are responsible for implementing and monitoring KMRD's Service Plan, which includes: Role of Account Manager KMRD's Account Managers work closely with
- [Industries and Practice Groups](https://kmrdpartners.com/industries/)
- [Workers Compensation Resources](https://kmrdpartners.com/knowledge-center/workers-compensation-resources/) - State Resources Carrier Search Tools (to identify which carrier is covering a company) Delaware Maryland New Jersey - Go to "Data Searches' on left hand side of page and click on "Policy Coverage Search" New York Pennsylvania Virginia
- [Cyber Risk Management and Insurance](https://kmrdpartners.com/industries/cyber-risk-management-insurance/) - [columns] [/columns] In today's hyper connected world, businesses rely on latest technologies and "Big Data" to create new solution or just stay competitive. Data Breaches are increasingly becoming one of the most prominent risks in business today. Breaches are occurring everyday not only to large institutions but small businesses a well. According to the Ponemon Institute:
- [The KMRD Advantage](https://kmrdpartners.com/risk-management-solutions/risk-management-company/) - KMRD does much more than help you place coverage. We're a risk management company that focuses on the details as well as the big picture. Our team of risk professionals make sure every term, condition and exclusion identified in our coverage summaries are verified, profiled and benchmarked. We make sure our disciplined approach, proven processes,
- [KMRD News](https://kmrdpartners.com/kmrd-news/)
- [KMRD + LifeBrand Enhance Personal Brands & Mitigate Social Media Risks](https://kmrdpartners.com/client-access/lifebrand/) - [smartslider3 slider="2"] [columns] [/columns] WHY DO BUSINESSES USE LIFEBRAND? Get the inside scoop from KMRD Partners and CEO of LifeBrand, TJ Colaiezzi, in the 'What is Lifebrand' webinar on Youtube. WATCH DEMO VIDEO HERE CLICK HERE TO SIGN UP USE OUR LIFEBRAND DISCOUNT CODE "KMRD10" TO RECIEVE 10% OFF YOUR
- [Ilene Mastrangelo, Associate Account Manager](https://kmrdpartners.com/about-us/ilene-mastrangelo-associate-account-manager/) - [columns] [/columns] Ilene works closely with the Risk Managers to deliver KMRD’s service plan and she is the first person to review all of the papers and inquiries KMRD receives that impact your business. She also provides day-to-day services on her portfolio of accounts ensuring all questions and needs are addressed promptly and professionally. Disciplines
- [KMRD Video Library](https://kmrdpartners.com/videos/) - Below are some select videos. Please also refer to our YouTube Channel for informative webinars and other interesting material! [columns] [/columns]
- [HR Compliance](https://kmrdpartners.com/human-capital-solutions/hr-compliance/) - KMRD provides an array of ongoing support and consultations on a wide range of HR compliance issues that allow organizations to focus on their core business. From developing and updating employment policies, procedures and practices to creating legally compliant recruiting, hiring, disciplinary, and termination procedures, our team delivers for you. Services include: Also Check out...
- [HR Advisory Services](https://kmrdpartners.com/human-capital-solutions/hr-advisory-services/) - We assist your organization with sound and effective human resources programs and practices; providing consultations on human resources compliance matters. This includes HR program effectiveness assessments, employment practices liability risk management, compensation program design reviews, and analyzing employee engagement. We can also support organizations in both the design and implementation of HR initiatives, including: Learn
- [Debbie Smith, AAI, CISR, Account Manager](https://kmrdpartners.com/about-us/debra-smith-account-manager-2/) - [columns] [/columns] Debbie works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all documents and inquiries KMRD receives impacting her clients. Debbie also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. In 1975, Debbie started in the
- [Alexis Gil-Sadowski, CLCS, Account Manager](https://kmrdpartners.com/about-us/alexis-gil-sadowski-clcs-account-manager/) - [columns] [/columns] Alexis delivers KMRD’s service plan and she is the first person to review all documents and inquiries KMRD receives impacting her clients. She also ensures all client questions and needs are addressed promptly and professionally. Disciplines
- [Debbie Prein, CISR, Account Manager](https://kmrdpartners.com/about-us/debbie-prein-cisr-account-manager/) - [columns] [/columns] Debbie delivers KMRD’s service plan and she is the first person to review all documents and inquiries KMRD receives impacting her clients. She also ensures all client questions and needs are addressed promptly and professionally. Disciplines
- [Olivia Costello, Marketing & PR Coordinator](https://kmrdpartners.com/about-us/olivia-costello-marketing-pr-coordinator/) - [columns] [/columns] As the Marketing and PR Coordinator, Olivia develops marketing tactics that ultimately support KMRD’s communications and marketing strategy. Olivia curates content for both, KMRD's social media platforms, and blog. Along with content creation, Olivia monitors and tracks the company's analytics then reports the results back to the team. Disciplines In the News
- [Jeremy Hahn, Account Manager](https://kmrdpartners.com/about-us/jeremy-hahn/) - [columns] [/columns] With over 13 years of property and casualty experience in commercial and personal lines, Jeremy brings deep expertise in the acquisition, management, retention, and renewal of small and middle market clients - with an emphasis on long-term relationship building as well as excellent customer service. Before joining KMRD, Jeremy worked as Producer/Risk Management
- [Herman Chen](https://kmrdpartners.com/about-us/herman-chen/) - [columns] [/columns] Prior to joining KMRD, Herman worked with firms where he managed the service and operations teams, owned client relationships and fostered long-term partnerships by proactively providing superior and consistent client services. Herman also developed a reporting structure to track self-funded groups which enabled his firm too better forecast and keep plan sponsors abreast
- [Success Stories](https://kmrdpartners.com/success-stories/)
- [Risk Management Solutions](https://kmrdpartners.com/risk-management-solutions/)
- [Colin McPoyle, Producer](https://kmrdpartners.com/about-us/colin-mcpoyle/) - [columns] [/columns] Education
- [Downloads](https://kmrdpartners.com/downloads/) - [columns] [/columns]
- [Insurance & Risk Reference Library](https://kmrdpartners.com/knowledge-center/insurance-reference-library/) - AM Best - A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. Policyholders and depositors refer to Best's ratings and analysis as a means of assessing the financial strength and creditworthiness of risk-bearing entities and investment vehicles. EDGAR Company Search - For
- [Brenna Gallagher, Personal Lines Account Manager](https://kmrdpartners.com/about-us/brenna-gallagher-personal-lines-account-manager/) - [columns] [/columns] Brenna works closely with your Risk Manager to deliver KMRD’s service plan and is the first person to review all paper and inquiries KMRD receives that impact your business. She also provides day-to-day service on her portfolio of accounts ensuring that all questions and needs are addressed promptly. Disciplines
- [Steve Macauley](https://kmrdpartners.com/about-us/steve-macauley/) - [columns] [/columns] As his clients' Risk Manager, Steve coordinates the various risk related services such as risk control, claims and negotiation of insurance coverage terms, conditions and pricing. Steve also performs quality control reviews of policies and endorsements, along with other important risk management services such as contract reviews, bid and accrual support, and forecasting. Steve has
- [Mike Brown, CIC](https://kmrdpartners.com/about-us/mike-brown/) - [columns] [/columns] Mike has more than 20 years of experience in the insurance industry and is active in the West Chester community. Mike serves as a Board member of the Chester County Chamber of Commerce and served a term as Chairman of the Board of the Greater West Chester Chamber of Commerce. As his clients' Risk
- [Joseph Robinson, Chief Financial Officer](https://kmrdpartners.com/about-us/joe-robinson-cfo/) - [columns] [/columns] Prior to KMRD, Joe was the President of Joseph F Robinson & Company where he served individuals and small business with tax and accounting services. Joe first began his career as a CPA for Beucler Kelly & Co., serving many real estate partnerships. While pursuing a Masters in Information Technology, Joe joined Elko
- [Susan Anderson](https://kmrdpartners.com/about-us/susan-anderson/) - [columns] [/columns] Susan works with KMRD clients to manage their benefit plans. She assists HR and helps employees navigate the enrollment process and utilize their benefit coverage. Susan coordinates enrollment systems and processes with benefit carriers. Susan has been in her current role since 2013 and previously worked as a Human Resources professional for 10
- [Knowledge Center](https://kmrdpartners.com/knowledge-center/) - [columns class="larger-text"] [/columns]
- [People2.0 Affiliate Insurance Assessment](https://kmrdpartners.com/industries/people20-insurance-assessment/) - [columns] [/columns] [columns] :
- [Andrew Shivetts, Account Manager](https://kmrdpartners.com/about-us/andrew-shivetts-account-manager/) - [columns] [/columns] Andrew delivers KMRD’s service plan and is the first person to review all of the information and inquiries KMRD receives impacting your business. He also ensures all questions and needs are addressed promptly and professionally. Disciplines
- [Erica Luczakowsky](https://kmrdpartners.com/about-us/erica-luczakowsky/) - [columns] [/columns] Erica works with KMRD clients to manage their benefit plans, help employees navigate their benefit plans and work alongside our senior team to find the best benefit programs to fit the culture and budget of our clients. Erica works with our clients’ employees in person and with technology during new hire and open
- [Karl Granlun, CPCU](https://kmrdpartners.com/about-us/karl-granlun/) - [columns] [/columns] Karl is responsible for servicing the day-to-day needs of clients using KMRD's unique servicing model. Acting as his clients' Risk Manager, Karl coordinates... In The News KMRD Announces Key Additions to Management Team Start a conversation with Karl...
- [Greg Gerber, Account Manager](https://kmrdpartners.com/about-us/greg-gerber/) - [columns] [/columns] Greg works closely with your Risk Manager above to deliver KMRD’s service plan and the first person to review of all paper and inquiries KMRD receives that impact your business. He also provides day-to-day service on his portfolio of accounts ensuring all questions and needs are addressed promptly and professionally. Disciplines Articles &
- [Sources of Insurance Industry News](https://kmrdpartners.com/knowledge-center/insurance-industry-news/) - AM Best - A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. Policyholders and depositors refer to Best's ratings and analysis as a means of assessing the financial strength and creditworthiness of risk-bearing entities and investment vehicles. Best's Property & Casualty Center
- [Captive Insurance Programs](https://kmrdpartners.com/industries/captive-insurance-programs/) - [columns] [/columns] Captive Insurance Programs come in many different shapes and sizes. Each type has benefits and weaknesses but all give participants access to underwriting profits in exchange for taking on measured risks. Depends. Some will tell you need to be a large company paying in excess $1M for traditional insurance today to consider this
- [KMRD Webinar Library](https://kmrdpartners.com/kmrd-webinar-library/) - [columns]
- [Applications](https://kmrdpartners.com/applications/) - [columns class="center"] [/columns] [columns class="center"] [/columns] [columns class="center"]
- [KMRD's Athletic Trainer Insurance Program](https://kmrdpartners.com/industries/athletic-trainer-insurance/) - [columns] [/columns] [columns]
- [Health and Wellness Programs](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/health-wellness-programs/) - KMRD can help you build a health and wellness strategy that improves employee engagement and health and measures success can reduce your labor and healthcare costs. Our team is committed to health and wellness. Studies show having the right health and wellness program in place, and supporting your employees to make health lifestyle changes, can
- [Benefits Consulting](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/benefits-consulting/) - Times are changing and companies want sophisticated employee benefits solutions to help them meet their unique needs, attract and keep quality management and productive employees - all while balancing cost and business continuity. This takes more than just a traditional broker and we’ll show you how the right partner can make all the difference. A
- [Benefit Communication](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/benefit-communication/) - At KMRD, we have a vested interest in the success of our client’s benefits programs. In fact, for many of our clients, our team often is counted on as an extension of their Human Resources Department, allowing them to focus on their most value-added functions, rather than employee education and benefits communication. Our team not
- [Benefits Administration](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/benefits-administration/) - At KMRD, we believe that employee health and benefits should be easy. That's why we manage all plan eligibility, client reporting, and carrier reporting to provide the best solution for your HR and benefits team. As your proven partner, KMRD can help you to provide a better and more cost-effective benefit administration experience with Health
- [Employee Benefits](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/) - With the right employee benefits in place for your business, you’ll be set to maximize productivity and create a strong foundation for your employees to perform and thrive. Through education, a partnership with Health Rosetta and our creative alternatives we’ll work with you to design the most cost-effective plans, improve how you spend your healthcare
- [Compliance](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/compliance/) - The cost of compliance can be expensive but it doesn’t have to be that way. Providing exceptional client service is our number one priority. This includes delivering superior HR compliance, best practice guidance, and training. Our experienced employee benefits team members, and our KMRD client service teams, all work together to keep clients compliant with
- [Health Rosetta](https://kmrdpartners.com/human-capital-solutions/employee-benefits-advisory/health-rosetta/) - WE ARE A PROUD HEALTH ROSETTA PARTNER [columns] [/columns] HEALTH ROSETTA HOMEPAGE > CODE OF CONDUCT > Health Rosetta is a non-profit organization made up of like-minded benefits firms with a goal of disrupting the norm and creating high-performance benefits plans by accelerating the adoption of simple, practical, non-partisan fixes to our healthcare system. Through
- [COVID-19 FAQ](https://kmrdpartners.com/covid-19-faq/)
- [Home Staging Insurance Program](https://kmrdpartners.com/industries/home-staging/) - [columns] [/columns] [columns] [/columns] [columns] Complete the application below and our team at KMRD will help you review plan options:
- [Helpie FAQ](https://kmrdpartners.com/helpie_faq_page/) - [helpie_faq]
- [Risk Management Approach](https://kmrdpartners.com/risk-management-solutions/risk-management-approach/) - Our Disciplined Approach Discipline and Accountability The key to success and long-term reduction in the cost of risk is our risk management approach and a disciplined execution of fundamentals. At KMRD, we hold ourselves accountable by placing our service plans and risk management initiatives in writing. Our risk service team meets weekly to make sure everything gets done on
- [What do the different flood zones mean? Flood Zone Designations](https://kmrdpartners.com/knowledge-center/flood-zone-designations/) - KMRD delivers risk management solutions and human capital solutions to more than 2000 clients nationwide. Learn more about us, view our client success stories, or visit our blog. Want to talk with an expert to understand flood zones for your business? Call 866-957-5673 or send us an email. The following table gives an explanation for the flood zone designations:
- [Aging Services Risk Management and Insurance](https://kmrdpartners.com/industries/aging-services/) - [columns] [/columns] [columns] [/columns] [columns] [/columns]
- [Risk Management Terms](https://kmrdpartners.com/knowledge-center/risk-management-terms/) - Below is a list of common Insurance and Risk Management Terms you might find in our insurance specifications, proposals, reports, and other documents. A-Side Coverage – A-Side coverage refers to a section of a directors and officers (D&O) liability policy that covers the individual directors and officers of an organization for allegations of “wrongful acts” such
- [Contact](https://kmrdpartners.com/contact/) - Let's Start a Conversation Call us at 866-957-KMRD (5673) or send us an email via the contact form below with questions regarding our services, practice areas, press or media inquiries.
- [KMRD Logo Library](https://kmrdpartners.com/kmrdlogos/) - Logo Library [columns] [/columns]
- [Risk Control Resources & Strategic Partners](https://kmrdpartners.com/knowledge-center/risk-control-resources/) - Below is a list of risk control resources organized by partner, system, and more. Risk Control and Safety Partners Human Capital Solutions Partner Healthcare & Aging Services Partners Other Enterprise Risk Partners Additional Resources Community Alert Systems
- [Brian McCulla, Business Development Associate](https://kmrdpartners.com/about-us/brian-mcculla-business-development-associate-1/) - [columns] [/columns] Disciplines
- [Catherine Paciente, Claims Advocate](https://kmrdpartners.com/about-us/catherine-paciente-claims-advocate/) - [columns] [/columns] Cat has been in the business since 2000 and was formerly a risk manager at a large Philadelphia based financial institution. She also managed claims for the run-off of a failed Philadelphia-based insurance company. Disciplines
- [Risk Management Process](https://kmrdpartners.com/risk-management-solutions/risk-management-process/) - Risk Management Process Risk Management Process Information In an industry where every competitor looks and sounds the same, KMRD’s use of a structured risk management process provides our clients a true competitive advantage, reducing their cost of risk and improving their operational efficiency. Unlike other insurance brokers who just provide insurance quotations, KMRD utilizes an
- [Testimonials](https://kmrdpartners.com/about-us/testimonials/) - [columns] [/columns] [columns class="center"] [/columns] [columns] [/columns] [columns] [/columns] [columns] [/columns] [columns] [/columns] [columns] [/columns]
- [Lisa Pascoe](https://kmrdpartners.com/lisa-pascoe-2/)
- [Tax Collector's Bond Application](https://kmrdpartners.com/applications/taxcollectorsbond/) - Complete the application below:
- [Events](https://kmrdpartners.com/events/)
- [Applications](https://kmrdpartners.com/applications-2/)
- [KMRD's Succeed Risk Management Center](https://kmrdpartners.com/about-us/succeed-risk-management-center/) - [columns] [/columns] [columns] [/columns]
- [Education Risk Management and Educator's Insurance](https://kmrdpartners.com/industries/education-risk-management-and-educators-insurance/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Social Services Risk Management and Social Services Insurance](https://kmrdpartners.com/industries/social-services/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Cyber Risk Insurance Application](https://kmrdpartners.com/client-access/cyber-risk-insurance-application/)
- [Homeowners Insurance Application](https://kmrdpartners.com/client-access/homeowners-insurance-application/)
- [Add or Remove a Property](https://kmrdpartners.com/client-access/kmrd-add-remove-property/)
- [Personal Auto Insurance Application](https://kmrdpartners.com/client-access/personal-auto-insurance-application/)
- [SiteMap](https://kmrdpartners.com/sitemap/) - Have a question about the KMRD SiteMap? Please email us or call us at 866-957-KMRD (5673) to talk with one of our risk professionals in the event you cannot locate something on our website. About KMRD http://kmrdpartners.com/ http://kmrdpartners.com/about-us/ http://kmrdpartners.com/about-us/team/ http://kmrdpartners.com/success-stories/ http://kmrdpartners.com/about-us/testimonials/ Inside KMRD http://kmrdpartners.com/blog/ http://kmrdpartners.com/careers/ http://kmrdpartners.com/press-room/ http://kmrdpartners.com/privacy/ http://kmrdpartners.com/contact/ http://kmrdpartners.com/events/ Risk Management Portal http://kmrdpartners.com/risk-management-solutions/risk-management-portal/ The KMRD Advantage http://kmrdpartners.com/risk-management-solutions/risk-management-company/ http://kmrdpartners.com/risk-management-solutions/risk-management-approach/ http://kmrdpartners.com/risk-management-solutions/risk-management-process/ http://kmrdpartners.com/risk-management-solutions/risk-management-portal/
- [Property Preservation Risk Management and Property Preservation Insurance](https://kmrdpartners.com/industries/property-preservation/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Aging Services Organization Audit](https://kmrdpartners.com/improve-state-audit-results/) - Want to improve your State Audit Results? Our Aging Services practice can: Conduct mock audit of your Aging Services Organization to ensure compliance Audit organizations with a special focus on company structure to help companies face unannounced visits Perform gap analysis of current standards and requirements to raise possible areas of improvements Review your Risk Management Report and
- [Learning and Development](https://kmrdpartners.com/human-capital-solutions/learning-and-development/) - We can work with clients in completing a learning needs analysis and developing learning programs that foster individual, team and organizational development. Our services include: Developing formal, informal, and self-directed training activities Aligning training with competency models Leadership development; and Compliance based training programs Learn how you will benefit from our other human capital solutions: Have
- [Property Preservation Insurance Application](https://kmrdpartners.com/client-access/property-preservation-insurance-application/)
- [Energy Risk Management and Energy Insurance](https://kmrdpartners.com/industries/energy/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Hospitality Risk Management and Hospitality Insurance](https://kmrdpartners.com/industries/hospitality/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Construction Risk Management and Construction Insurance](https://kmrdpartners.com/industries/construction/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Food Processing Risk Management and Food Processing Insurance](https://kmrdpartners.com/industries/food-processing/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Technology Risk Management and Technology Insurance](https://kmrdpartners.com/industries/technology/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Government Contractor Risk Management and Government Contractor Insurance](https://kmrdpartners.com/industries/government-contractors/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Recycling Risk Management and Recycling Insurance](https://kmrdpartners.com/industries/recycling/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Real Estate Risk Management and Real Estate Insurance](https://kmrdpartners.com/industries/real-estate/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Pharmaceutical Risk Management and Manufacturing Insurance](https://kmrdpartners.com/industries/pharmaceuticals/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Wholesale Distribution Risk Management and Wholesale Distribution Insurance](https://kmrdpartners.com/industries/wholesale-distribution/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Manufacturing Risk Management and Manufacturing Insurance](https://kmrdpartners.com/industries/manufacturing/) - [columns] [/columns] [columns] [/columns] [columns class="no-bottom-margin"] [/columns]
- [Test Lead Page](https://kmrdpartners.com/test-lead-page/)
- [Risk Management Consulting](https://kmrdpartners.com/risk-management-solutions/risk-management-consulting/) - [columns] [/columns] Our team of experienced risk professionals provide customized risk management consulting services to help you reduce risk and associated costs, ensure compliance and improve overall performance. We can work with you to develop a deeper understanding of your business vulnerabilities and exposures, and together we can protect your assets and minimize risk across your
- [Risk Control Services](https://kmrdpartners.com/risk-management-solutions/risk-control-services/) - At KMRD, our team provides risk control services to supplement those offered by our insurance company partners. This can include inspections, training, education, analysis of loss trends and even the coordination of our insurance carrier’s service commitment. We begin each client relationship with a risk control assessment of your operations - from a safety and
- [Claims Advocacy](https://kmrdpartners.com/risk-management-solutions/claims-advocacy/) - Managing claims properly after a loss is critical to protecting the bottom line of your business. This is why your claims professional takes a proactive role in all facets of the claim process and ensures that your claims are given the prompt attention they deserve. From successfully contesting a carrier's denial of coverage to successfully
- [Outsourced Risk Management](https://kmrdpartners.com/risk-management-solutions/outsourced-risk-management/) - We are your strategic partner and outsourced risk manager ready to help you proactively control the cost of risk and implement the right strategies to make your business strong. Our team has the proven industry experience to understand your specific challenges and provide objective advice you can count on. We'll help you manage risk through
- [Structuring Non-Standard Insurance Programs](https://kmrdpartners.com/industries/structuring-non-standard-insurance-programs/) - [columns] [/columns] For large companies, it is almost always less expensive to self-insure the usual and predictable level of claims. The level to which you self-insure, whether on a per-claim or aggregate basis, is a decision that requires a cost / risk benefit analysis. A non-standard insurance program blends traditional insurance with self-insurance. KMRD's team
- [Intellectual Property Insurance](https://kmrdpartners.com/industries/intellectual-property-insurance/) - [columns] [/columns] Developing intellectual property often requires considerable investments of time and money. Since organizations depend on it for branding, manufacturing and selling their unique products and/or services, it is vital they protect their intellectual property. Registering intellectual property, however, does not protect organizations from lawsuits. Since the legal and civil codes governing are often
- [Risk Management Portal](https://kmrdpartners.com/risk-management-solutions/risk-management-portal/) - [columns class="center"] [/columns] [columns] [/columns]
- [Request an Insurance Quotation for your Restaurant / Bar](https://kmrdpartners.com/client-access/insurance-for-restaurants-or-bars/) - Complete the information below to provide KMRD a profile of your Restaurant or Bar. This information will be used to determent if / where there may be a fit.
- [Report an Auto Claim](https://kmrdpartners.com/client-access/report-an-auto-claim/)
- [Privacy Policy](https://kmrdpartners.com/privacy/) - Last Modified 10/7/15 Introduction KMRD Partners, Inc. (“Company” or “We”) respects your privacy and is committed to protecting it through compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website www.kmrdpartners.com (our “Website”) and our practices for collecting, using,
- [Jeff Brown, CIC](https://kmrdpartners.com/about-us/jeff-brown/) - [columns] [/columns] Jeff Brown has more than 44 years of proven experience in the insurance industry, including ownership of a well-respected Property and Casualty firm located in West Chester since 1982. He remains active in the West Chester community, serving as the President for The Citizen Recognition Project, honoring members of the community for their
- [Add or Remove an Auto](https://kmrdpartners.com/client-access/kmrd-add-remove-auto/)
- [Builders Risk Questionnaire](https://kmrdpartners.com/client-access/builders-risk-questionnaire/)
- [Owners and Contractors Protective Liability Questionnaire](https://kmrdpartners.com/client-access/protective-liability-questionnaire/)
- [Request a Certificate of Insurance](https://kmrdpartners.com/client-access/certificate-of-insurance-form/)
- [Transaction Failed](https://kmrdpartners.com/checkout-2/transaction-failed/) - Your transaction failed, please try again or contact site support.

## Downloads

- [KMRD + GotSafety Brochure](https://kmrdpartners.com/download/kmrd-gotsafety-brochure/)
- [Human Resources Client Portal Detailed Packet](https://kmrdpartners.com/download/human-resources-client-portal-packet/)
- [Human Resources Client Portal One Pager](https://kmrdpartners.com/download/zywave-client-portal-one-pager/)
- [Chris Van Buren - Now is the perfect time to change your health plan](https://kmrdpartners.com/download/chris-van-buren-now-perfect-time-change-health-plan/)
- [Gerry Sorge - Filing A Property Insurance Claim](https://kmrdpartners.com/download/gerry-sorge-filing-property-insurance-claim/)
- [KMRD - LifeBrand Overview and LifeBrand Discount Code](https://kmrdpartners.com/download/kmrd-lifebrand-overview-discount-code/)
- [What is LifeBrand?](https://kmrdpartners.com/download/what-is-lifebrand-2/)
- [Worldwide Broker Network (WBN) Overview](https://kmrdpartners.com/download/worldwide-broker-network-wbn-overview/)
- [10.1 Health Screener 2020 0507](https://kmrdpartners.com/download/10-1-health-screener-2020-0507-2/)
- [15.6 Health Screener 2020 0507](https://kmrdpartners.com/download/15-6-health-screener-2020-0507/)
- [Basic Ergonomic Principles for Employees Working Remotely](https://kmrdpartners.com/download/basic-ergonomic-principles-employees-working-remotely/)
- [Office Ergonomics - “10 Easy Steps to Workstation Comfort”](https://kmrdpartners.com/download/office-ergonomics-10-easy-steps-workstation-comfort/) - Useful tips and recommendations to help keep employees safe while working at home.
- [KMRD's COVID-19 Response](https://kmrdpartners.com/download/kmrds-covid-19-response-2/) - IMPORTANT NOTICE: Please visit our COVID-19 Resource Center for the latest information and client FAQ.
- [COVID -19 Answers to Frequently Asked Benefits Questions as of 3-17-20](https://kmrdpartners.com/download/covid-19-answers-frequently-asked-benefits-questions/)
- [Cyber Security Assessment](https://kmrdpartners.com/download/cyber-security-assessment/)
- [Aspire 2019](https://kmrdpartners.com/download/aspire-2019/)
- [Cybersecurity Starts in the Workplace](https://kmrdpartners.com/download/cybersecurity-starts-workplace/)
- [A wakeup call for flood insurance here is how to afford it](https://kmrdpartners.com/download/flood-insurance/) - Learn how to purchase flood insurance for less
- [Benefits and Human Capital Practice Overview](https://kmrdpartners.com/download/benefits-human-capital-practice-overview/)
- [PDF Version of 2018 Keith Boyer Interview](https://kmrdpartners.com/download/insurance-industry-interview-keith-boyer/) - Leader, mentor, influencer, role model, manager, employee, husband, and father. In this interview, Keith Boyer, Managing Partner of KMRD Partners, discusses his role and provides valuable insights on what he has learned as a leader, how he manages people around him, what he looks for in potential employees, and how an earlier accident helped to
- [KMRD Overview](https://kmrdpartners.com/download/referral-source-one-pager/)
- [KMRD Partners Benefits Division Overview for WBN](https://kmrdpartners.com/download/kmrd-partners-benefits-division-overview-wbn/)
- [KMRD Partners - Company Overview for WBN Partners](https://kmrdpartners.com/download/kmrd-partners-company-overview-wbn-partners/)
- [KMRD Benefits and Human Capital Solutions Brochure](https://kmrdpartners.com/download/kmrd-benefits-human-capital-solutions-brochure/)
- [PDF Version of 2017 Kevin McPoyle Interview](https://kmrdpartners.com/download/insurance-industry-interview-kevin-mcpoyle/) - The co-founder and president of one of the Mid-Atlantic region’s largest providers of risk management, insurance and human capital solutions discusses leadership, character, and what it means to care.
- [KMRD Aging Services Practice Group Overview](https://kmrdpartners.com/download/kmrd-aging-services-practice-group-overview/)
- [KMRD Human Capital and Benefits Practice Overview](https://kmrdpartners.com/download/human-capital-and-benefits-solutions-overview/)
- [Home Stagers Insurance Program Brochure](https://kmrdpartners.com/download/home-stagers-insurance-program-brochure/)
- [KMRD Aging Services Practice PDF](https://kmrdpartners.com/download/kmrd-aging-services-practice-pdf/)
- [Risk Management Template Sample RFP - KMRD](https://kmrdpartners.com/download/risk-management-template-rfp/) - This Risk Management Template Sample RFP includes: Coverage / Policies: Property Boiler & Machinery General Liability Auto Workers Compensation Pollution Legal Liability Products Recall Director’s & Officers Liability Employment Practices Liability Fiduciary Liability Commercial Crime Loss Overview: General Liability Claims Frequency and Average Losses – Commercial Property Claims Frequency and Average Losses – Commercial Auto Claims
- [KMRD Benefits and Human Capital PDF](https://kmrdpartners.com/download/kmrd-benefits-human-capital-pdf/)
- [Stagers - Things you should know about your insurance program](https://kmrdpartners.com/download/stagers-things-your-should-know-about-your-insurance-program/)
- [Compass Cyber Security Assessment Overview](https://kmrdpartners.com/download/compass-cyber-security-assessment-overview/)
- [Compass Security iPhone iOS9.1 Security Settings Checklist](https://kmrdpartners.com/download/compass-security-iphone-ios9-1-security-settings/)
- [Agents for Change](https://kmrdpartners.com/download/agents-for-change/)
- [LVBJ Article](https://kmrdpartners.com/download/interview-veterans-in-the-workplace/)
- [IP Overview](https://kmrdpartners.com/download/intellectual-property-insurance-overview/)

## News

- [2020: A Year Of Continued Growth For KMRD Despite COVID-19 Pandemic](https://kmrdpartners.com/news/2020-year-of-continued-growth-kmrd/) - Despite the lockdowns and preventative measures implemented across the nation from the COVID-19 pandemic, KMRD continued to experience double-digit revenue growth, hire even more talented people; and win a few awards along the way. Let’s face it, 2020 was rough by any standard; a year of unprecedented events. A new pandemic raged. Most schools and
- [2018 Year in Review; Grew By 21%, Ranked 9.5 on National Survey, Won Award for Growth](https://kmrdpartners.com/news/kmrd-year-in-review-2018/) - As we close in on 2019, it's that time of year again - and we are extremely proud of our 2018 results. 2018 was a momentum-building year for KMRD Partners. We enjoyed strong performance across all of our business practices, continued to invest in hiring exceptionally talented people, and worked hard to improve our customer
- [2019 Year in Review; 250+ New Clients, Grew By 21%, Hired 10 people, Acquired One Business](https://kmrdpartners.com/news/year-in-review-kmrd-partners-2019/) - As we enter a new decade, we wanted to take a moment to share a recap of our 2019 results. 2019 was a year of significant accomplishment for KMRD Partners; The firm added 250+ clients, saw 21% revenue growth, hired 10 great people, won two more awards, and even acquired a business. We want to
- [KMRD Partners Acquires Embrook Benefits; Expands KMRD’s Human Capital Solutions Group](https://kmrdpartners.com/news/acquisition-embrook-benefits/) - Acquisition enhances KMRD’s HR Consulting And Employee Benefit Capabilities, Improve Benefits Delivery, And Open New Growth Opportunities. KMRD Partners deepened its human capital solutions practice with the acquisition Embrook Benefits, a results-driven employee benefits and HR consulting firm located in Willow Grove, PA. By joining KMRD, the firm’s clients will now have access to a
- [Award Winning Insurance Companies; KMRD Partners Receives Another Regional Award](https://kmrdpartners.com/news/award-winning-insurance-companies-kmrd/) - KMRD Partners wins prestigious regional award for the second consecutive year. KMRD was one of 43 companies to receive the honor. KMRD is earning it's place as one of the Mid-Atlantic region's award winning insurance companies. This latest award was the Blue Hen 17&43 (for Fastest Growing Company). The award and ranking was based on innovativeness,
- [KMRD Year in Review - 2015](https://kmrdpartners.com/news/kmrd-year-in-review-2015/) - Dear Valued Clients, Partners and Prospects, We are eternally grateful to our clients and partners for their support with another successful and rewarding year at KMRD. Better teamwork leads to better results! The following are some highlights: Read this blog post >>
- [KMRD Year in Review - 2016](https://kmrdpartners.com/news/kmrd-year-in-review-2016/) - KMRD’s numbers continue to tell a story of financial strength, new growth, and achieving our goals. But, there are also stories behind the numbers. And many good reasons for our success. 2016 was a terrific year for KMRD. We made a few strategic investments to our business which added tremendous value to the firm, expanded
- [John Garber Nominated HR Consultant of the Year](https://kmrdpartners.com/news/john-garber-nominated-hr-consultant-year/) - We are proud to report John Garber, Jr., CSP, SPHR, SHRM-SCP was recently named as a nominee for HR Consultant of the Year. The Delaware Valley HR Person of the Year Award was developed in 2001 to celebrate the Human Resources industry and to recognize those in the HR profession who exemplify outstanding achievement within
- [KMRD Year in Review - 2017](https://kmrdpartners.com/news/kmrd-year-review-2017/) - As we close in on 2018, it’s that time of year again when we reflect on what’s happened. 2017 has turned out to be another great year for KMRD. The company is growing faster than ever before. 2017 was full of highlights and achievements that we’re proud to share with you. Our strategic investments added
- [Survey Results: KMRD Ranks High in Insurance Industry Customer Satisfaction](https://kmrdpartners.com/news/insurance-industry-customer-satisfaction/) - In the fall of 2018, we commissioned a 3rd party Insurance Industry Customer Satisfaction survey of our clients - to better understand and meet their needs, and find out how we are tracking in terms of providing real value. The results were impressive – and yet, there is still room for improvement. In our latest
- [You Don’t Need Fear To Sell Cyber Insurance](https://kmrdpartners.com/news/dont-need-fear-sell-cyber-insurance/) - Let your clients know that a cyber breach can happen to anyone. Read the full article >> Please direct questions and comments about this article to contactus@kmrdpartners.com
- [Thinking of Veterans on Memorial Day](https://kmrdpartners.com/news/thinking-veterans-memorial-day/) - Several national initiatives make it easy to hire a highly qualified vet. One year ago in this space, I contributed an article chronicling the tragically high unemployment rate among returning veterans. As a veteran myself, I offered my insider’s point of view as to why veterans should be considered highly desirable prospective employees. Read the
- [Targeting the Other 1 Percent: Hiring Veterans](https://kmrdpartners.com/news/targeting-1-percent-hiring-veterans/) - Inculcated with team thinking and strong work ethic, veterans seem like a natural fit for the insurance industry. Unfortunately, the industry doesn't agree. In case you haven’t noticed, the insurance industry is facing a hiring crisis, especially in agencies, where the average of an agency principal is now almost 60. Read the full article >>
- [Risks Ahead: Food Recalls and Nanotechnology](https://kmrdpartners.com/news/risks-ahead-food-recalls-nanotechnology/) - Quick Quiz: What do baby spinach, raw cashew pieces, barbecue sauce, fish batter mix, marzipan, ice cream, packaged salads, dried kiwi and gourmet bread pudding all have in common? These products, and more importantly the businesses which manufacture and distribute them, have all experienced market recalls since January 1. By mid-March there had already been
- [How to Build Productive Underwriter/Broker Relationships: 14 Guiding Principles](https://kmrdpartners.com/news/build-productive-underwriterbroker-relationships-14-guiding-principles/) - When I consider friends and family who have been blessed with happy partnerships, I realize there are many roads to establishing a successful relationship. Yet, I also recognize there are a number of common factors that exist throughout the process. The same, I believe, can be said for the underwriter/broker relationship. While there are many
- [What Can the Battlefield Teach Us About Leadership?](https://kmrdpartners.com/news/can-battlefield-teach-us-leadership/) - As we celebrate the Memorial Day and Independence Day holidays, it is appropriate to reflect on the qualities necessary to be a good leader. The legacies of some of America’s renowned generals appear to be a good place to start. When George McClellan graduated from the United States Military Academy at West Point in 1846,
- [Pennsylvania’s Kueny Insurance Merges with KMRD Partners](https://kmrdpartners.com/news/2018-kueny-insurance-merges-with-kmrd-partners/) - Kueny Insurance, a Warrington, Penn.-based insurance company, has merged with KMRD Partners, a boutique risk management and human capital solutions firm also based in Warrington. The merger brings three new team members to KMRD with experience in small to mid-size business and personal lines insurance, explained KMRD Principal and Co-Founder Bob Dietzel in a company
- [The Promise of Insurtech](https://kmrdpartners.com/news/the-promise-of-insurtech-2/) - Disruptive technology is poised to shake up our industry. Following tectonic plate shifts in publishing, finance, investing, telecommunications, recorded music, information technology, retail, and even ride hailing services, insurance has been added to the queue. Disruption can be unsettling. While a brave few welcome new challenges and ways of doing things, the great many prefer
- [The Benefits of Followership](https://kmrdpartners.com/news/the-benefits-of-followership-2/) - Leaders get all the credit. Nearly 100,000 soldiers and sailors followed Alexander the Great during his Asian Campaign. Yet his is the only name we remember... Read the full article >> (Subscription might be required to read) Please direct questions and comments about this article to contactus@kmrdpartners.com
- [2018 OSHA Update - Bob Dietzel, KMRD Partners](https://kmrdpartners.com/news/2018-osha-update-bob-dietzel/) - When on January 1 the Occupational Safety and Health Administration (“OSHA”) issued its final rule, “Improve Tracking of Workplace Injuries and Illnesses,” it addressed injury-based incentive programs as part of safety program management. It also affirmed the statutory prohibition on retaliating against employees for reporting work-related injuries. An employer’s procedure for reporting work-related injuries and
- [Executive Perspective: Our Time to Lead; Risk Remains When Waters Recede](https://kmrdpartners.com/news/executive-perspective-time-lead-risk-remains-waters-recede-2/) - As I record these thoughts, Hurricane Irma has been downgraded to a tropical depression after having lashed Florida and more than a half-dozen Caribbean Islands. The storm led to 6.3 million Florida residents being ordered to evacuate, while more than 6.5 million are without electricity. Nearly one million Georgia and South Carolina residents are also
- [The importance of checking insurance provisions in a commercial lease](https://kmrdpartners.com/news/importance-checking-insurance-provisions-commercial-lease/) - As insurance professionals, we can help insureds review the insurance provisions in their commercial leases prior to signing the documents. Insurance-related risks are not always obvious and could result in a costly uninsured surprise for commercial leaseholders. Read the full article >> (subscription may be required) Please direct questions and comments about this article to contactus@kmrdpartners.com
- [Leading Safety versus Measuring Failures - Steve Macauley](https://kmrdpartners.com/news/2017-media-edge-services-mag-steve-macauley/) - When The Occupational Safety and Health Administration (OSHA) issued its final rule, “Improve Tracking of Workplace Injuries and Illnesses,” on Jan. 1, it addressed injury-based incentive programs as part of safety program management in addition to affirming the statutory prohibition on retaliating against employees for reporting work-related injuries with the following advice: An employer’s procedure
- [Coming to Terms With Pollution-Related Exposures - Brian Heun KMRD Partners](https://kmrdpartners.com/news/coming-terms-pollution-related-exposures/) - Oil and chemical companies aren’t the only ones with potential exposure to pollution-related incidents. To understand your company’s need for pollution liability insurance coverage, I have listed ten situations below to help you self-identify potential pollution-related exposures. Before reviewing these situations, though, I have outlined a five-step program to help companies identify and remediate business
- [Feed My Starving Children: MobilePack 2017](https://kmrdpartners.com/news/feed-starving-children-mobilepack-2017/) - FEED MY STARVING CHILDREN: MOBILEPACK 2017 WAS AN AMAZING SUCCESS! KMRD was recently a participant and Corporate Sponsor for the 2017 Central Bucks MobilePack. Kevin McPoyle served as the primary event organizer and was assisted by KMRD’s VP of Administration, Lisa Pascoe. Read this blog post >>
- [Pennsylvania’s KMRD Partners Works Hard to Never Stop Improving](https://kmrdpartners.com/news/pennsylvanias-kmrd-partners-works-hard-never-stop-improving/) - One of the first messages that appears on KMRD Partners Inc.’s website is a slogan that says, “We never stop improving for you.” The Warrington, Penn.-headquartered, boutique risk management and human capital solutions firm works hard to take that idea seriously, according to President Kevin McPoyle, in a recent interview with Insurance Journal. “We are full-on
- [Risk Management for Nanotechnology and Food Recalls](https://kmrdpartners.com/news/risk-management-nanotechnology-food-recalls/) - Insurance carriers can help assess and transfer the growing risks from food recalls and nanotechnology. While food recalls can result from fears of bacterial contamination, they can also result from labeling mix-ups and undeclared contents. Earlier this year Ben & Jerry’s Ice Cream recalled products due to undeclared peanuts, Whole Foods Markets recalled cold pressed
- [7 Tips For A More Effective Insurance Claim](https://kmrdpartners.com/news/7-tips-effective-insurance-claim/) - Involving the insurance broker in the claim can help policyholders better navigate the process and create a more effective insurance claim. Insureds should involve their insurance broker in the management of their insurance claims. Why? Because an effective claims advocate will maximize return on insurance investment and minimize the impact of poorly managed claims and
- [Reflecting on Our Mission: Why I Am Proud to Work in Insurance - Kevin McPoyle](https://kmrdpartners.com/news/reflecting-mission-proud-work-insurance-kevin-mcpoyle/) - Reflecting on Our Mission: Why I Am Proud to Work in Insurance What is an insurance carrier to a business owner? For any business owner who hasn’t taken the full measure of his or her insurance policy, the check he sends to a carrier often appears to be nothing more than a burdensome expense. As
- [Playing it safe: Cybersecurity for small-to-medium-sized businesses - Bob Dietzel](https://kmrdpartners.com/news/property-casualty-360-magazine-bob-dietzel/) - More than 60% of small businesses are not in operation 6 months after a cyberattack. Big companies like Target, Yahoo and Equifax are typically the unhappy recipients of big news coverage following data disasters. This is not surprising, given the size of the events. At Target, credit and debit card information or contact information for
- [Picking the Best General Liability Policy for Your Business](https://kmrdpartners.com/news/picking-best-general-liability-policy-business/) - The best general liability policy protects your business assets by transferring risk from your organization to an insurance underwriter. The underwriter will pay for obligations incurred if someone gets hurt on your property, by your product or when anyone employed by your business causes property damage or injury. General liability insurance also covers legal defense
- [What we’ve learned from Hurricanes Harvey, Maria and Irma](https://kmrdpartners.com/news/weve-learned-hurricanes-harvey-maria-irma/) - An exceptionally active hurricane season highlighted personnel and supply chain issues for insurers and offers opportunities to prepare for 2018. “Never let a good crisis go to waste,” has reportedly been attributed to Winston Churchill, grandson of England’s 7th Duke of Marlborough, regarding post Second World War conditions leading to the formation of the United

## FAQs

- [What recommendations can you provide on how to create a proper ergonomic workspace to more effectively work from home?](https://kmrdpartners.com/ufaqs/what-recommendations-can-you-provide-on-how-to-create-a-proper-ergonomic-workspace-to-more-effectively-work-from-home/) - One of our own KMRD experts created the simple list below. For more on how to create a proper ergonomic workplace for yourself at home, please read the following blog post: https://kmrdpartners.com/2020/04/17/basic-ergonomic-tips-covid-19/ “10 Easy Steps to Workstation Comfort” Adjust your chair height – your chair height and tilt should be adjusted so that your thighs
- [My company wants to implement and conduct COVID 19 Temperature Screening Procedures. Can I have someone on my team take the temperature of employees at the start of each shift using a digital forehead thermometer? We need a safety team member or qualified medical person to manage this process?](https://kmrdpartners.com/ufaqs/implement-and-conduct-covid-19-temperature-screening-procedures/) - Only personnel trained in objective screening procedures can be designated to administer COVID-19 temperature screenings. Designated persons must be trained and understand the manufacturer’s instructions and limitations for the digital forehead thermometer. In addition, it’s critically important for designated people to maintain consistency to the company’s screening procedures. Designated and trained people must understand
- [During a pandemic, may an ADA-covered employer take its employees’ temperatures to determine whether they have a fever?](https://kmrdpartners.com/ufaqs/during-a-pandemic-may-an-ada-covered-employer-take-its-employees-temperatures-to-determine-whether-they-have-a-fever/) - Generally, measuring an employee’s body temperature is a medical examination. If pandemic influenza symptoms become more severe than the seasonal flu or the H1N1 virus in the spring/summer of 2009, or if pandemic influenza becomes widespread in the community as assessed by state or local health authorities or the CDC, then employers may measure employees’
- [If I decide to take employees’ temperatures or other health screening procedures, does the person administering the screening need to be a medical professional?](https://kmrdpartners.com/ufaqs/if-i-decide-to-take-employees-temperatures-or-other-health-screening-procedures-does-the-person-administering-the-screening-need-to-be-a-medical-professional/) - Answer: We are sharing this answer directly from the Foley & Lardner LLP website located at: https://www.foley.com/en/insights/publications/2020/03/coronavirus-faqs-for-employers-no-3 “Not necessarily, but if you have a medical professional on staff or available at the worksite, then it is logical that person should be considered to administer screenings. If no medical professional is available, it is prudent to have
- [May I take my employees’ temperatures to determine whether they have a fever?](https://kmrdpartners.com/ufaqs/may-i-take-my-employees-temperatures-to-determine-whether-they-have-a-fever/) - We are sharing this answer directly from the Foley & Lardner LLP website located at: https://www.foley.com/en/insights/publications/2020/03/coronavirus-faqs-for-employers-no-3 “Under normal circumstances, no. However, now that COVID-19 has been declared to be a pandemic by the World Health Organization, the EEOC’s pandemic flu guidance may be used as a reference. The EEOC states that while measuring an employee’s body temperature is a
- [When will the Families First Coronavirus Response Act take effect?](https://kmrdpartners.com/ufaqs/when-will-the-families-first-coronavirus-response-act-take-affect-2/) - The new Act will take effect on April 1, 2020.
- [If a company already offers paid time off or sick leave, does the employee have to use that prior to using the paid sick leave provided by the Families First Coronavirus Response Act?](https://kmrdpartners.com/ufaqs/if-a-company-already-offers-paid-time-off-or-sick-leave-does-the-employee-have-to-use-that-prior-to-using-the-paid-sick-leave-provided-by-the-families-first-coronavirus-response-act-2/) - No, an employer may not require an employee to use other paid leave provided by the employer before the employee uses the paid sick time under the Families First Coronavirus Response Act. However, prior to the effective date of the act, employees should use their available PTO, vacation, or sick time. An employee may elect
- [Is there an exemption for small businesses?](https://kmrdpartners.com/ufaqs/if-employers-do-not-believe-they-can-afford-to-pay-the-mandated-leave-benefits-required-in-the-families-first-coronavirus-response-act-can-they-request-to-be-exempt/) - Employers with fewer than 50 employees may qualify for exemption from the requirement to provide leave on account of school closings or child care unavailability if the leave requirements would jeopardize the viability of the business as a going concern; the Department of Labor is expected to publish regulations about this exemption in the future.
- [Will my property policy cover my loss of income or extra expense?](https://kmrdpartners.com/ufaqs/will-my-property-policy-cover-my-loss-of-income-or-extra-expense-2/) - Policies are frequently tailored to the needs of individual companies, meaning exclusions and limits vary. Therefore we suggest you speaking with your service team with any questions you may have. There are a few general points worth mentioning …Contagious disease coverage for business interruption (BI) is not commonly available since the SARS outbreak in 2003,
- [What does the Families First Coronavirus Response Act require employers to do?](https://kmrdpartners.com/ufaqs/what-does-the-families-first-coronavirus-response-act-require-employers-to-do-2/) - The new Act requires employers with fewer than 500 employees to provide paid leave for some employees related to the coronavirus (COVID-19) pandemic, among other measures.
- [Does the Coronavirus constitute a disability?](https://kmrdpartners.com/ufaqs/does-the-coronavirus-constitute-a-disability-2/) - An employee is considered disabled when they meet the definition of disability outlined in their policy. Your carrier would assess the claim to determine eligibility for benefits based on the terms of your policy, the same as the carrier would for any illness.
- [Is an individual who is quarantined but not sick or diagnosed with the coronavirus considered disabled?](https://kmrdpartners.com/ufaqs/is-an-individual-who-is-quarantined-but-not-sick-or-diagnosed-with-the-coronavirus-considered-disabled-2/) - No, disability carriers do not consider quarantined workers to be disabled. Unless they have a medical condition that meets the policy’s definition of disability.
- [How does coronavirus interact with the Americans with Disabilities Act?](https://kmrdpartners.com/ufaqs/how-does-coronavirus-interact-with-the-americans-with-disabilities-act-2/) - If an individual is diagnosed with coronavirus, ADA services would evaluate medical information to determine disability under ADA or any state equivalent laws. Individuals who are quarantined without a diagnosis and not sick, generally, would not be considered disabled. The EEOC has published guidance for employers on specific workplace practices and inquiries related to COVID-19.
- [Does Workers’ Compensation Coverage Apply?](https://kmrdpartners.com/ufaqs/does-workers-compensation-coverage-apply-2/) - For obvious reasons this is a fluid situation and there have been no specific rulings to date. Insurance carriers, third party administrators and risk managers must rely upon precedent, similar cases and relevant fact patterns to develop case management strategies, to address the issues as they arise, and to develop reasonable prevention strategies. In addition
- [If an employee is out on one of the required leave benefits in the Families First Coronavirus Response Act, is that employee eligible for health insurance benefits?](https://kmrdpartners.com/ufaqs/if-an-employee-is-out-on-one-of-the-required-leave-benefits-in-the-families-first-coronavirus-response-act-is-that-employee-eligible-for-health-insurance-benefits/) - Yes, the employee is eligible for medical insurance while on Emergency Paid Sick Leave and Emergency Family Medical Leave under this act. In addition, the company would qualify for a credit for any amount paid or incurred by the employer to provide and maintain a group health plan, but only to the extent that such
- [Who pays for the mandated leave benefits required in the Families First Coronavirus Response Act?](https://kmrdpartners.com/ufaqs/who-pays-for-the-mandated-leave-benefits-required-in-the-families-first-coronavirus-response-act/) - The Employer will pay the leave benefits and then receive a credit against payroll taxes for each calendar quarter an amount equal to 100 percent of the qualified sick leave wages paid by the employer within that calendar quarter.
- [What qualifies an employee for leave under the Families First Coronavirus Response Act?](https://kmrdpartners.com/ufaqs/what-qualifies-an-employee-for-leave-under-the-families-first-coronavirus-response-act-2/) - Employees can qualify for Emergency Sick Leave and/or Emergency Family and Medical Leave under this act. Emergency Sick Leave must be made available to workers who are symptomatic or are under an order or advice to quarantine or self-isolate, who have to care for a family member under such an order or advice, or who

## Projects

- [KMRD's Audit Process Saves $98,000](https://kmrdpartners.com/project/risk-audit-process/) - An organizations' inability to identify and recapture an over-payment can be severe. KMRD's "Audit Review Workflow" and expertise generates results.
- [KMRD's Risk Management Assessment and Cyber Coverage Yields Results](https://kmrdpartners.com/project/risk-management-assessment/) - A technology firm with no prior losses engaged KMRD Partners to review their coverage and risk management process. As part of our engagement process, our team conducted an assessment of the firm's insurance contracts. We identified many coverage areas that could be fixed for no additional cost.
- [KMRD Consolidated Insurance Program Creates More Coverage and Savings](https://kmrdpartners.com/project/consolidated-insurance-program/) - The consistency of risk transfer programs throughout an organization is crucial. KMRD strives to align all your coverages, while reducing your overall cost of risk.
- [KMRD Lowers Losses and Reduces Costs by $500,000 Over 10 years by Reducing Claims Experience](https://kmrdpartners.com/project/helped-real-estate-firm-lower-claims-experience/) - We noticed that a real estate firm had several large slip-and-fall claims that exceeded $100,000. With our involvement, insurance costs were reduced, the claims experience dropped substantially, and our client saw an improved loss picture.
- [What Does 24 Hours Mean to You? Analysis Leads to Improved IT Disaster Recovery Plan](https://kmrdpartners.com/project/what-does-24-hour-mean-to-you-kmrds-insurance-review-leads-to-improved-it-disaster-recovery-plan/) - An organization's inability to understand when their coverage is triggered can create negative consequences. KMRD identifies these gaps and discusses if you have a proper disaster recovery plan in place to prevent losses.
- [KMRD's Workers Compensation Claims Advocacy Program Improves Balance Sheet](https://kmrdpartners.com/project/claims-advocacy-program-improves-balance-sheet/) - An organization's inability to properly manage and report claims will negatively impact their financial health. KMRD's claims reporting and management process generates results.
- [KMRD's Finds Money in Claims While Redesigning Processes for Efficiency Generating a 2,213% ROI](https://kmrdpartners.com/project/kmrd-claims-management-and-workflow-expertise/) - The inability to properly handle claims will have a negative impact on any organization. KMRD's efficient and effective claims management provides the solution.
- [Delivered an Extra $1,000,000 of Coverage and Removed Limitations Two Weeks Before a Boarding School Fire](https://kmrdpartners.com/project/better-coverage-for-less-school-fire/) - Fire destroys key facility at a boarding school. KMRD Partners made a significant difference in the outcome. Our team was able to dramatically reduce the cost of risk for this boarding school.
- [KMRD Creates a More Efficient and Effective Claims Management Process](https://kmrdpartners.com/project/effective-claims-management-process/) - An organization's inability to properly manage and report claims will negatively impact their financial health. KMRD's claims reporting and management process generates results.
- [KMRD's Global Insurance Expertise Achieves More Coverage for 62% Less](https://kmrdpartners.com/project/kmrds-global-insurance-expertise-achieves-more-coverage-for-less/) - Multinational organizations must be aware of their global risk transfer structures. At KMRD, we ensure you maintain a consistent level of coverage throughout your organization, eliminating any overlaps and gaps.
- [What Would You Do If You Had No Power?  Dovetailing Exposures with Insurance Coverage](https://kmrdpartners.com/project/what-would-you-do-if-you-had-no-power-dovetailing-exposures-with-insurance-coverage/) - A service business client relies on power to satisfy customers and generate revenue. With our help we increased their limit in case of a business interruption, removed a policy restriction, and explored other harmful scenarios to prevent loss.
- [KMRD's Claims Analytics Reduced Workers Compensation Costs $369,460 in First Year](https://kmrdpartners.com/project/reduced-workers-compensation-costs/) - We analyzed their loss history identified some areas of opportunity to improve their situation and built an argument for lower pricing. It worked to the tune of 23% / $370K. A great example of a team effort executing our standard process!

## Galleries

- [culture](https://kmrdpartners.com/bwg_gallery/culture/)

## Gallery Share

- [Image](https://kmrdpartners.com/bwg_share/image-3/)

## Categories

- [General](https://kmrdpartners.com/category/general/)
- [In the News](https://kmrdpartners.com/category/kmrd-in-the-news/)
- [Risk Control](https://kmrdpartners.com/category/risk-control/)
- [Announcements](https://kmrdpartners.com/category/kmrd-announcements/)
- [Risks Ahead Series](https://kmrdpartners.com/category/risks-ahead-series/) - Risks Ahead. Call KMRD.
- [One Minute From Normal Series](https://kmrdpartners.com/category/one-minute-from-normal-series/) - Are you ready for One Minute From Normal?
- [KMRD Cares](https://kmrdpartners.com/category/kmrd-cares/)
- [Coverage Hall of Shame](https://kmrdpartners.com/category/coverage-hall-of-shame/)
- [Awards](https://kmrdpartners.com/category/awards/)
- [Insurance Coverage](https://kmrdpartners.com/category/insurance-coverage/)
- [Inside View](https://kmrdpartners.com/category/inside-view/)
- [HR Compliance Digest](https://kmrdpartners.com/category/hr-compliance-digest/)
- [Human Capital & Benefits Solutions](https://kmrdpartners.com/category/human-capital-benefits-solutions/)
- [From Gerry's Desk](https://kmrdpartners.com/category/claims-tips-from-gerrys-desk/)
- [Claims Advocacy](https://kmrdpartners.com/category/claims-advocacy/)
- [From Keith's Desk](https://kmrdpartners.com/category/from-keith-boyers-desk/)
- [From Kevin's Desk](https://kmrdpartners.com/category/tips-from-kevin-mcpoyle/)
- [From John's Desk](https://kmrdpartners.com/category/tips-from-john-garber/)
- [From Brian's Desk](https://kmrdpartners.com/category/tips-from-brians-desk/)
- [From Bob Lickfeld's Desk](https://kmrdpartners.com/category/from-bob-lickfelds-desk/)
- [From Bob Dietzel's Desk](https://kmrdpartners.com/category/from-bob-dietzels-desk/)
- [From Jenean's Desk](https://kmrdpartners.com/category/from-jeneans-desk/)
- [From Steve's Desk](https://kmrdpartners.com/category/from-steves-desk/)
- [From Tom's Desk](https://kmrdpartners.com/category/from-toms-desk/)
- [From Greg's Desk](https://kmrdpartners.com/category/from-gregs-desk/)
- [Blog](https://kmrdpartners.com/category/kmrd-blog/)
- [Webinars](https://kmrdpartners.com/category/kmrd-webinars/) - KMRD Recorded Webinars
- [From Ingrid's Desk](https://kmrdpartners.com/category/from-ingrids-desk/)

## Tags

- [Business Continuity Plan](https://kmrdpartners.com/tag/business-continuity-plan/)
- [Disaster Recovery](https://kmrdpartners.com/tag/disaster-recovery/)
- [Cost of Risk](https://kmrdpartners.com/tag/cost-of-risk/)
- [Government Contractor Risks](https://kmrdpartners.com/tag/government-contractors/)
- [In the News](https://kmrdpartners.com/tag/in-the-news/)
- [Risk Management Services](https://kmrdpartners.com/tag/risk-management/)
- [XChange](https://kmrdpartners.com/tag/xchange/)
- [Risk Management Program](https://kmrdpartners.com/tag/risk-management-system/)
- [OSHA](https://kmrdpartners.com/tag/osha/)
- [OSHA Reporting Requirements](https://kmrdpartners.com/tag/osha-reporting-requirements/)
- [Cyber Risk](https://kmrdpartners.com/tag/cyber-risk/)
- [Information Risk](https://kmrdpartners.com/tag/information-risk/)
- [Cell Phone Risk](https://kmrdpartners.com/tag/cell-phone-risk/)
- [Insurance Coverage Quality](https://kmrdpartners.com/tag/insurance/)
- [Enterprise Risk Management](https://kmrdpartners.com/tag/enterprise-risk-management/)
- [Regulatory Risk](https://kmrdpartners.com/tag/regulatory-risk/)
- [Business Interruption](https://kmrdpartners.com/tag/business-interruption/)
- [Off Premises Power Interruption](https://kmrdpartners.com/tag/off-premises-power-interruption/)
- [Errors & Omissions Liability](https://kmrdpartners.com/tag/eo/)
- [Charitable Works](https://kmrdpartners.com/tag/charitable-works/)
- [KMRD Cares](https://kmrdpartners.com/tag/kmrd-cares/)
- [General Liability](https://kmrdpartners.com/tag/general-liability/)
- [Property Insurance](https://kmrdpartners.com/tag/property-insurance/)
- [Auto Liability](https://kmrdpartners.com/tag/auto-liability/)
- [Negligent Entrustment](https://kmrdpartners.com/tag/negligent-entrustment/)
- [Auto Fleet Risk](https://kmrdpartners.com/tag/auto-fleet-risk/)
- [Contractual Risk Transfer](https://kmrdpartners.com/tag/contractual-risk-transfer/)
- [Technology Risk](https://kmrdpartners.com/tag/technology-risk/)
- [Social Media Risks](https://kmrdpartners.com/tag/social-media/)
- [workers compensation](https://kmrdpartners.com/tag/workers-compensation/)
- [Workplace Accidents](https://kmrdpartners.com/tag/workplace-accidents/)
- [Fleet Safety](https://kmrdpartners.com/tag/fleet-safety/)
- [Employee Safety](https://kmrdpartners.com/tag/employee-safety/)
- [Quality Control](https://kmrdpartners.com/tag/quality-control/)
- [Products Liability](https://kmrdpartners.com/tag/products-liability/)
- [products recall](https://kmrdpartners.com/tag/products-recall/)
- [Umbrella](https://kmrdpartners.com/tag/umbrella/)
- [FMSC](https://kmrdpartners.com/tag/fmsc/)
- [DVIC](https://kmrdpartners.com/tag/dvic/)
- [Auto Insurance Coverage](https://kmrdpartners.com/tag/auto-insurance-coverage/)
- [Insurance Coverage Quality Control](https://kmrdpartners.com/tag/insurance-coverage-quality-control/)
- [Supply Chain Risk](https://kmrdpartners.com/tag/supply-chain-risk/)
- [Climate Risk](https://kmrdpartners.com/tag/climate-risk/)
- [Property & Casualty Brokerage](https://kmrdpartners.com/tag/property-casualty-brokerage/)
- [Pollution Legal Liability](https://kmrdpartners.com/tag/pollution-legal-liability/)
- [News](https://kmrdpartners.com/tag/news/)
- [Kevin McPoyle](https://kmrdpartners.com/tag/kevin-mcpoyle/)
- [Bob Dietzel](https://kmrdpartners.com/tag/bob-dietzel/)
- [Total Cost of Risk](https://kmrdpartners.com/tag/total-cost-of-risk/)
- [Steve Macauley](https://kmrdpartners.com/tag/steve-macauley/)
- [Mike Brown](https://kmrdpartners.com/tag/mike-brown/)
- [Professional Liability](https://kmrdpartners.com/tag/professional-liability/)
- [Flood Insurance](https://kmrdpartners.com/tag/flood-insurance/)
- [Employment Practices Liability Insurance](https://kmrdpartners.com/tag/employment-practices-liability-insurance/)
- [Fleet Safety Program](https://kmrdpartners.com/tag/fleet-safety-program/)
- [Workers Compensation Insurance](https://kmrdpartners.com/tag/workers-compensation-insurance/)
- [Travel Risk](https://kmrdpartners.com/tag/travel-risk/)
- [Brian Heun](https://kmrdpartners.com/tag/brian-heun/)
- [Homeowners Insurance](https://kmrdpartners.com/tag/homeowners-insurance/)
- [Renters Insurance](https://kmrdpartners.com/tag/renters-insurance/)
- [Commercial Crime](https://kmrdpartners.com/tag/commercial-crime/)
- [Construction Risks](https://kmrdpartners.com/tag/construction/)
- [Awards](https://kmrdpartners.com/tag/awards/)
- [Intellectual Property Risk](https://kmrdpartners.com/tag/intellectual-property-risk/)
- [Disability Insurance](https://kmrdpartners.com/tag/disability-insurance/)
- [Healthcare Insurance](https://kmrdpartners.com/tag/healthcare-insurance/)
- [Health Benefits](https://kmrdpartners.com/tag/health-benefits/)
- [KMRD Team](https://kmrdpartners.com/tag/kmrd-team/)
- [KMRD Careers](https://kmrdpartners.com/tag/kmrd-careers/)
- [Human Capital Solutions](https://kmrdpartners.com/tag/human-capital-solutions/)
- [Claims Advocacy](https://kmrdpartners.com/tag/claims-advocacy/)
- [Food Processing Insurance](https://kmrdpartners.com/tag/food-processing-insurance/)
- [product recall insurance](https://kmrdpartners.com/tag/product-recall-insurance/)
- [risk contol](https://kmrdpartners.com/tag/risk-contol/)
- [risk control assessment](https://kmrdpartners.com/tag/risk-control-assessment/)
- [risk control process](https://kmrdpartners.com/tag/risk-control-process/)
- [risk control plan](https://kmrdpartners.com/tag/risk-control-plan/)
- [risk control program](https://kmrdpartners.com/tag/risk-control-program/)
- [effective risk management](https://kmrdpartners.com/tag/effective-risk-management/)
- [risk management strategy](https://kmrdpartners.com/tag/risk-management-strategy/)
- [insurance policy](https://kmrdpartners.com/tag/insurance-policy/)
- [absence management](https://kmrdpartners.com/tag/absence-management/)
- [business interruption insurance](https://kmrdpartners.com/tag/business-interruption-insurance/)
- [business insurance](https://kmrdpartners.com/tag/business-insurance/)
- [EPLI Insurance](https://kmrdpartners.com/tag/epli-insurance/)
- [KMRD Jobs](https://kmrdpartners.com/tag/kmrd-jobs/)
- [risk management portal](https://kmrdpartners.com/tag/risk-management-portal/)
- [risk management team](https://kmrdpartners.com/tag/risk-management-team/)
- [flood recover plan](https://kmrdpartners.com/tag/flood-recover-plan/)
- [flood zone designations](https://kmrdpartners.com/tag/flood-zone-designations/)
- [Employee Benefits](https://kmrdpartners.com/tag/employee-benefits/)
- [Benefit Plans](https://kmrdpartners.com/tag/benefit-plans/)
- [CIC](https://kmrdpartners.com/tag/cic/)
- [Certified Insurance Counselor](https://kmrdpartners.com/tag/certified-insurance-counselor/)
- [risk assessment](https://kmrdpartners.com/tag/risk-assessment/)
- [John Garber](https://kmrdpartners.com/tag/john-garber/)
- [Claims Process](https://kmrdpartners.com/tag/claims-process/)
- [Insurance Claims](https://kmrdpartners.com/tag/insurance-claims/)
- [HR Compliance](https://kmrdpartners.com/tag/hr-compliance/)
- [outsourced risk management team](https://kmrdpartners.com/tag/outsourced-risk-management-team/)
- [home staging](https://kmrdpartners.com/tag/home-staging/)
- [professional liability insurance](https://kmrdpartners.com/tag/professional-liability-insurance/)
- [liability insurance](https://kmrdpartners.com/tag/liability-insurance/)
- [Pollution Insurance](https://kmrdpartners.com/tag/pollution-insurance/)
- [nonprofit insurance](https://kmrdpartners.com/tag/nonprofit-insurance/)
- [Claims Management](https://kmrdpartners.com/tag/claims-management/)
- [Jenean Meier](https://kmrdpartners.com/tag/jenean-meier/)
- [international insurance](https://kmrdpartners.com/tag/international-insurance/)
- [Gerry Sorge](https://kmrdpartners.com/tag/gerry-sorge/)
- [Property Casualty 360](https://kmrdpartners.com/tag/property-casualty-360/)
- [Keith Boyer](https://kmrdpartners.com/tag/keith-boyer/)
- [small business insurance](https://kmrdpartners.com/tag/small-business-insurance/)
- [safety program](https://kmrdpartners.com/tag/safety-program/)
- [risk control](https://kmrdpartners.com/tag/risk-control/)
- [umbrella insurance](https://kmrdpartners.com/tag/umbrella-insurance/)
- [umbrella policy](https://kmrdpartners.com/tag/umbrella-policy/)
- [General](https://kmrdpartners.com/tag/general/)
- [Inside View](https://kmrdpartners.com/tag/inside-view/)
- [acquisitions](https://kmrdpartners.com/tag/acquisitions/)
- [Social Engineering](https://kmrdpartners.com/tag/social-engineering/)
- [Security Cyber Attacks](https://kmrdpartners.com/tag/security-cyber-attacks/)
- [Phishing Email](https://kmrdpartners.com/tag/phishing-email/)
- [Spear Phishing](https://kmrdpartners.com/tag/spear-phishing/)
- [Enterprise Security](https://kmrdpartners.com/tag/enterprise-security/)
- [data protection](https://kmrdpartners.com/tag/data-protection/)
- [GDPR](https://kmrdpartners.com/tag/gdpr/)
- [Aging Services](https://kmrdpartners.com/tag/aging-services/)
- [#AD&D](https://kmrdpartners.com/tag/add/)
- [Short Term Disability](https://kmrdpartners.com/tag/short-term-disability/)
- [Long Term Disability](https://kmrdpartners.com/tag/long-term-disability/)
- [Group Life Insurance](https://kmrdpartners.com/tag/group-life-insurance/)
- [Health Care](https://kmrdpartners.com/tag/health-care/)
- [Current Trends](https://kmrdpartners.com/tag/current-trends/)
- [Cancer Support Community](https://kmrdpartners.com/tag/cancer-support-community/)
- [Feed My Starving Children](https://kmrdpartners.com/tag/feed-my-starving-children/)
- [fiduciary liability](https://kmrdpartners.com/tag/fiduciary-liability/)
- [Talent Retention](https://kmrdpartners.com/tag/talent-retention/)
- [Talent Acquisition](https://kmrdpartners.com/tag/talent-acquisition/)
- [investigations](https://kmrdpartners.com/tag/investigations/)
- [Incident Reports](https://kmrdpartners.com/tag/incident-reports/)
- [Remote Work](https://kmrdpartners.com/tag/remote-work/)
- [Work from Home](https://kmrdpartners.com/tag/work-from-home/)
- [mergers](https://kmrdpartners.com/tag/mergers/)
- [personal lines](https://kmrdpartners.com/tag/personal-lines/)
- [international](https://kmrdpartners.com/tag/international/)
- [Directors & Officers Liability](https://kmrdpartners.com/tag/directors-officers-liability/)

## Category

- [Announcements](https://kmrdpartners.com/news-category/announcements/)

## FAQ Categories

- [Families First Coronavirus Response Act](https://kmrdpartners.com/ufaq-category/families-first-coronavirus-response-act/)
- [P&C Frequently Asked Questions](https://kmrdpartners.com/ufaq-category/pc-frequently-asked-questions/)
- [Benefits Frequently Asked Questions](https://kmrdpartners.com/ufaq-category/benefits-frequently-asked-questions/)
- [Coronavirus & Safety in the Workplace](https://kmrdpartners.com/ufaq-category/coronavirus-safety/)

## Project categories

- [Outsourced Risk Management](https://kmrdpartners.com/project-categories/outsourced-risk-management/)
- [Risk Management Consulting](https://kmrdpartners.com/project-categories/risk-management-consulting/)
- [Risk Control Services](https://kmrdpartners.com/project-categories/risk-control-services/)
- [Claims Advocacy](https://kmrdpartners.com/project-categories/claims-advocacy/)
- [Property and Casualty Insurance](https://kmrdpartners.com/project-categories/property-casualty-insurance/)
- [The KMRD Advantage](https://kmrdpartners.com/project-categories/the-kmrd-advantage/)

## Project skills

- [International](https://kmrdpartners.com/project-skills/international/)
- [Project Management](https://kmrdpartners.com/project-skills/project-management/)
- [Coverage Expertise](https://kmrdpartners.com/project-skills/coverage-expertise/)
- [Strategy](https://kmrdpartners.com/project-skills/vision/)
- [Workflow Development](https://kmrdpartners.com/project-skills/workflows/)
- [Claims Management](https://kmrdpartners.com/project-skills/claims-management/)
- [Process Improvement](https://kmrdpartners.com/project-skills/process-improvement/)
- [Contractual Risk Transfer](https://kmrdpartners.com/project-skills/contractual-risk-transfer/)
- [Disaster Recovery](https://kmrdpartners.com/project-skills/disaster-recovery/)
- [Negotiaton](https://kmrdpartners.com/project-skills/negotiaton/)
- [Risk Identification](https://kmrdpartners.com/project-skills/risk-identification/)