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Cyber Security: the latest threat to the affluent and high net worth client

By Chris Larkin, Producer, Private Client Services

In today’s ever-evolving world, cyber security has become one of the most urgent threats facing our clients. In the digital world of Facebook, Instagram, Snapchat, Vine and Twitter, the threat of nefarious characters gaining access to private information has never been greater. We see every day large Fortune 500 companies having customer information hacked and spread on the internet. Individuals are also very much at risk and should be aware of steps to protect themselves from cyber crimes.

Here are some simple steps that can help secure your private information:

Avoid using personal information in your passwords. (Dates of birth, Social Security numbers, etc.)
Change your personal passwords on a regular basis
Always utilize a password on your mobile device
Don’t make it easy for cyber criminals to gain access to your personal data. Make your passwords more difficult and incorporate symbols and numbers into your passwords

These simple steps can greatly reduce your vulnerability to a cyber assault. Please contact me to learn more about how to bolster your cyber security.

Congrats to Stephanie Pence on recognition from Wharton and Chubb

Following is a press release announcing that Assured SRA’s Stephanie Pence has been named a certified advisor of personal insurance by Wharton and Chubb. Congratulations Stephanie!

For Immediate Release

KC Agent Among a Select Group To Be Named a Certified Advisor of Personal Insurance By Wharton and Chubb

Mission, Kan. [Nov. 11, 2016]—Stephanie Pence of Assured SRA in Mission, Kan. has been awarded a Certified Advisor of Personal Insurance (CAPI) designation from the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania and Chubb.

Stephanie is among a group of only 33 agents to receive the certification after completing a one-year intensive educational program on understanding the lifestyle and risk management and insurance needs of high-net-worth individuals. The program also helps agents to brand themselves as trusted high-net-worth advisors. Created by Wharton and Chubb in 2014, the CAPI program is the first of its kind to focus on a specific customer segment in the personal insurance marketplace.

“The agents who have completed the CAPI program have proven that they have the high level of skill and expertise required to understand the total family balance sheet and advise high-net-worth individuals on their complex risk management and insurance needs,” said Annmarie Camp, Executive Vice President, Sales and Distribution Leader, Chubb Personal Risk Services.

“We are extremely proud that Stephanie has received the prestigious CAPI designation,” said Randy Larsen, Regional President, AssuredPartners. “This shows her incredible dedication to the insurance industry as well as her commitment to serving our high-net-worth customers, who have a unique set of property and liability exposures created by their assets and lifestyle.”

The curriculum for the 12-month CAPI program included six modules related to the high-net-worth mindset, customizing insurance solutions, building client relationships, selling, […]

November 16th, 2016|General Information, Personal Insurance, Staff News and Honors|0 Comments

OSHA issues new regulations for electronic incident reporting in the workplace

By Lance Luther, Account Executive
Helping our insureds understand and keep track of the many changes that can affect them in the workplace is one of the ongoing missions at Assured SRA. Effective January 1, 2017 OSHA has announced another round of rule changes that will affect workplace incident reporting – specifically for injuries and illnesses.

The new rule will require some of this information to be submitted electronically to OSHA. OSHA says its goal is “using this data to help keep workers safe and make employers, the public, and the government better informed about workplace hazards.” The organization infers that by releasing this information publicly it will encourage employers to improve their prevention efforts and enable researchers to use the data to help provide suggestions to employers to enable safer workplaces.

The final rule includes employee instruction to report work-related incidents and prohibits employers from retaliation for reporting workplace injuries (see more information from OSHA in the link at the bottom of this post).

What is important for our clients to know is that although the ramifications from this procedural change are still playing out (there is litigation filed already), implications beyond just the reporting of data could affect your business including:

Incentive plans for workplace safety: While these won’t be disallowed, plans must not discouraged or deter employees from reporting
Post-accident drug testing: The new rules state that testing after an incident cannot be retaliatory and states that testing is not prohibited as long as it is not retaliatory (testing to comply with laws/regulations are not considered retaliatory)

Many insureds know the importance of post-accident drug testing and the benefits of incentive programs. We are not advising to forgo either policy. However, since these new regulations could have an […]

November 8th, 2016|General Information|0 Comments

Assured SRA hosts nearly 100 execs to learn about workplace violence risk

Assured SRA held its final executive briefing of the year on Friday, Oct. 28 as nearly 100 attendees came to KC’s Grand Street Café to enjoy breakfast, networking and a presentation on potential risk and liabilities involved with workplace violence.

President Randy Larsen welcomed the crowd and Vice President Stephanie Spencer introduced the speakers and explained that issues including workplace violence and guns in the workplace have been the source of concern and questions from Assured SRA clients.

The featured speakers were Jim Lawrence, partner at Bryan Cave Law Firm and Mark Holt of Travelers. Jim gave a comprehensive presentation on the quickly-changing legal landscape with regard to concealed and open-carry of firearms and included issues like allowing vehicles with guns in a company parking lot and what constitutes appropriate signage indicating that guns aren’t allowed on a premises. Mark Holt talked about the limited options for insurance coverage and that most coverage would be in effect only after an incident occurred.

5 W’s (and “How”) of Employee Benefits Communication

By Erin Bellamy, Account Executive, Employee Benefits

Your group benefit packages are a significant investment in your employees. Properly designed, positioned and communicated, the benefit package is one of the best tools in your arsenal to attract the right talent, enhance employee engagement and retain your most valuable employees.

As you head into this year’s benefits renewal season, it is more important than ever to think strategically about employee communications strategies.  Can you answer the five W’s (and How) for making the most of marketing your benefit programs to your employees?

 Start with the “What”

What are your clients promoting? Your work building the best benefits package possible is the “what.” You analyzed your workforce, studied usage and costs, possibly surveyed your employees regarding their benefits preferences, considered various Department of Labor and the Affordable Care Act regulations and worked through longer-term benefit design issues with the impending 2018 Cadillac tax—to compile the best benefit packages your budgets will allow.

Make sure you provide clear information, checklists and decision-support tools that are easy to follow. While the details behind a certain benefit may be fascinating to benefit specialists, it may cause some employees to set that carefully crafted document aside. By all means, have the details available, but keep the key messages and “what you need to do for enrollment” information central to the enrollment materials.

 Move to the “Who”

Who will be listening? While your work is vital, the benefits package will not benefit your clients unless their employees use it. Knowing the audience and targeting benefit communications to meet those lifecycle needs makes the benefits more personal and relevant. Employees with young families, older workers preparing for retirement, empty nesters and young singles all have distinctly different benefits […]

October 3rd, 2016|Affordable Care Act, Employee Benefits, General Information|0 Comments