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Risk Management

How the Insurance Marketplace Is Stacked Against the Buyer

The commercial marketplace for property and casualty insurance has inherent structural conflicts, granting the true power to the suppliers (insurers, agents, and brokers), not the buyers. It’s first important to understand how the marketplace is organized, with insurers, agents, and brokers. Agents Don’t Work for You Insurance agents are just that—they are legal agents representing...

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Risk Management

5 Ways to Minimize Your Company’s Risk of Cyber Crime

In our modern society, each of us is at an increased risk of becoming a victim of cyber crime. If you’re carrying a cell phone, surfing the Internet, using email and making purchases with a credit card, you are a target, in one form or another. Companies of all kinds are at risk for cyber...