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Who is responsible for the function of managing risk in your business?  If the answer is your risk manager or your insurance agent (or maybe nobody), then this episode is for you.  Risk managers and …

The insurance company sets a date to visit your project site or location.  They arrive, conduct their interviews and evaluate your business operations.  You may receive some recommendations following…

Environmental, Social, and Government (ESG) requirements are popping up everywhere.  Do you know the expectations of all the various stakeholders that impact your business?  These include project own…

For years, homeowners and personal automobile insurance has been an afterthought for most owners of homes and vehicles.  The policies reviewed annually without much fanfare or thought.  It seems that…

Construction projects are like a big family tree with lots of lines between owners, developers, architects, engineers, general contractors, and subcontractors.  There may be nothing more tedious and …

Companies that learn how to anticipate a crisis can turn that event into a positive business experience and those that are unprepared may never recover.  Evaluating and imagining low frequency/high s…

A chance encounter with a table of free donuts started Scott Anderson down an actuarial career path unknown to him at the time.  Since then, Scott has become one of the best at explaining why your cl…

Minnesota is heading toward legalization of recreational marijuana by the end of May.  The changing landscape has already impacted, and will continue to impact employer drug testing programs.  Legali…

One of the greatest risks that businesses face without much of a safety net involves hiring and retaining the right people for the job.  In a tight labor market, the winners will understand the marke…

There must be a better way.  At times, the traditional insurance procurement process feels inefficient and inconsistent.  The group captive model looks to turn that process on its head by returning c…

Increasing property valuations, inflation, supply chain disruption, and frequency of natural catastrophes are just a few of the challenges facing the property insurance marketplace.  The forecast is …

71% of the earth is covered in it.  All of us need to drink it and most businesses rely on it.  We can live in hot environments and cold environments, but we can't live without water and we can't liv…

The insurance industry has been on the forefront of climate impacts as the frequency of storms and fires continues to increase.  Those impacts are felt throughout the entire business ecosystem.  The …

Two million employees in the United States are impacted by workplace violence (including gun violence) each year accounting for about 15% of all workplace fatalities; putting the United States at the…

Work life impacts home life and home life impacts work life.  The responsibility of the employer towards mental health is rapidly evolving. In construction, the suicide rate is 4 times the general po…

Yes, even the insurance industry innovates and transforms.  In order to stay a step ahead of the competition, our innovation leadership joins us this month to discuss the new frontier of operations w…

Did you know that in addition to a significant investment in our roads, the new infrastructure bill also includes a major commitment to making certain that those roads are safer?  Join us this month …

In many neighborhoods and in many cities, single-family and multi-family homes seem to be getting built at a record pace.  Is that really true?  What is different about today's construction practices…

No risk management conversation in 2021 is complete without a discussion of the risks, impacts, and mitigation factors related to supply chain management. No businesses are immune from the impact, ye…