Risks Ahead. Did you know? Financial stress can take a toll on your health.

Stress

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 […]

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Insurance for Landscapers – No Coverage for Trees and Shrubs or Plants qualifies for KMRD HALL OF SHAME

Stress

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 […]

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Fleet Safety – Hands-free cell phone hazards

KMRD Are You Ready for One Minute From Normal?

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 […]

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Enterprise Risk Management. Risks Ahead. Improbable risks aren’t so improbable now.

Risks Ahead. Call KMRD

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 […]

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BYOD – Bring Your Own Device – Suggested Risk Control Measures

Cell Phone 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? 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 […]

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From Gerry’s Desk – New Reporting; 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 […]

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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 […]

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Hall of Shame – 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 […]

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Hall of Shame – 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 […]

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