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But we are proud to say that Kyle Langan contributed 34 entries already.
Challenges From Rising Yields Higher yields could impact the cash flows of nonprofits that depend on loans or credit lines; because the cost of financing in the U.S. remains the highest since 2008, expense reduction becomes even more vital for nonprofits. [1] Talent Competition, Shortage “74.6% of respondents report job vacancies,” so the frequency of […]
What are the rating and premium basis options for Commercial General Liability exposure? Which cost basis provides the most favorable outcome for your risk management and insurance contracts? (S) GROSS SALES Exposure Rated per $1,000/Total Revenue (A) AREA Exposure Rated per 1,000/Sq. Ft. of space (M) ADMISSIONS Exposure Rated per 1,000/ADM (P) PAYROLL Exposure Rated […]
Edited February 6th, 2024 (Originally created November, 2019, by Kyle Langan) Case: Elon Musk and Tesla vs. SEC In August 2018, “Musk tweeted that he had funding secured for a plan to take Tesla private [traded publicly since 2010]. It turned out that was not entirely true — something the SEC objected to, given that […]
Edited January 30th, 2024 The acquisition of adequate property policies remains expensive and complex. [1] Many insurers have “struggled to maintain profits in recent years, leading to increased premiums and even withdrawals from certain markets, such as Florida and California.” [2] For consumers, “understanding how its factors can affect homeowners is crucial for accurately assessing […]
Edited December 22nd, 2023 by Kyle Langan Exposure Growth and Global Reinsurance Capital: 2022 Results After Hurricane Ian, traditional and alternative capital declined by around 20-25% at 2022’s close, compared to 2021’s close. [1] After adjusting for the interest rate impact of mark-to-market losses on fixed income securities, Swiss Re estimated a “decline in capital […]
December 4-8, 2023 is Older Driver Safety Awareness Week. It serves as a critical reminder of the importance of road safety for our aging population (NHTSA). With longer life expectancies, older adults are more likely to continue driving into their 70s, 80s and beyond. Recognizing challenges such as slower reaction times and medical conditions is […]
Edited November 30th, 2023 by Kyle Langan Accommodation and avoidance of adversarial relationships In the event of a complaint filed against an employer alleging wrongful termination, what are employers’ options to finance this loss? The matter may resolve at mediation, where a settlement is negotiated. Still, wrongful termination is difficult to resolve in low financial […]
Curious to learn new data about the possible outcomes within an entity’s employer-employee relationship? What happens when an employee sues for wrongful termination, and what is your entity’s plan to finance the defense against an allegation like this? Risk domain: Employment Practices Liability Winner: Citibank Loser: Employee Following a hearing in September, Employment Judge Caroline […]
Published November 10th, 2023 by Kyle Langan Tech’s connectivity in the world brings digital risks. Risk takers should consider more than just the implementation of tech. Bruce Carnegie-Brown, Lloyd’s chairman says “the global interconnectedness of cyber means it is too substantial a risk for one sector to face alone and therefore we must continue to […]
Published on October 19th, 2023 by Kyle Langan What is the sentiment surrounding non-weather-related water damage from incidents like sudden and accidental leaks? In a sample study, 61% of consumers never heard of an automatic water shutoff device, “despite how effective they can be at reducing water damage” (Hanover, 2023). “One of the most common […]
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