The insurance market is showing signs of hardening and that means carriers are tightening underwriting standards and increasing insurance premiums. Property owners and managers with poor loss experience, who are not proactively managing their claims practices, will suffer the financial impact of this market change on a greater basis than their peers.

It’s hard to believe that in today’s business environment, sexual harassment still takes place. This article discusses preventative steps that may help avoid claims and keep a company’s hard-earned reputation intact.

A claim is made and you dutifully submit the particulars to your insurance company. In reply, your insurance company responds with a letter stating that they are reserving their rights to deny coverage. This is the insurer’s way of stating they are not sure the claim is covered and informing you of your options.

The successes of our longstanding client, DC Water, are highlighted in an ACE USA Advisory. ARMC is proud to have played a vital role in the initial feasibility analysis, and to have provided implementation support and independent oversight of the rolling owner controlled insurance program (ROCIP) which has helped DC Water achieve significantly improved safety, streamlined claims handling, millions of dollars in insurance cost savings for their rate payers, and broader participation by MBE, WBE, and LSDBE contractors due to availability of sound insurance protection.

Business Insurance's article "ERM lays foundation for regulatory compliance" features commentary from Joe Underwood of Albert Risk. The article discusses the linkages between compliance strategies and enterprise risk management.

Regions Bank's article "Optimizing Business Risk Response" features commentary from Joe Underwood of Albert Risk. The article discusses the concept of risk appetite and the different categories of risk response.