Cross Examining Shrinks:
Leckart’s First Rule

If you are not satisfied with a doctor’s report and wish to challenge their conclusions, all you need is a list of the flaws in that document as well as a list of questions to ask the doctor that will expose those problems
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In cooperation with the Greater Detroit Chapter CPCU Society, this is small group "classroom" facilitation offered in Livonia, MI.  All three ARM classes are offered in sequence.  Classes can be taken in any order.

For more information:

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Good afternoon,

does anyone have any recommendations of temporary offsite office space in the Denver-Metro area that a company could add in to it's BCP?


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What are some of the deciding factors that have helped Risk Managers make this choice?  If an organization would otherwise "qualify" to do so, what are the major indicators that swing the decisions?  
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Effective Strategies for Mediating Coverage Disputes[1]

©Paul J. Van Osselaer, 2014
Van Osselaer Dispute Resolution PLLC


  1.     Introduction


    The mediation of insurance and risk transfer disputes involves interpretation of contracts and insurance policies, challenging legal issues, and the interests of multiple stakeholders.  Such mediations are not just a matter of exchanging numbers.  For parties, how do you advocate your position while, at the same time, exploring settlement?  For a mediator, how do you navigate through such specialized advocacy and find common ground?  So, in third-party claims, for example, indemnity agreements are often at play.  And the so-called “underlying” lawsuit often has coverage issues that pose a principal impediment to settlement.  Those are “coverage disputes” too.  The dynamics of each case will dictate some strategies, but successful mediations of these cases have several things in common.

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Putting Strategy Into Risk Management

Author: Darius Delon, CCIB FCIP CRM, AVP Risk Services, Mount Royal University 

There is a lot of talk about risk management, enterprise risk management and strategic risk management. There is a lot of advice on how you should develop the  risk framework in your organization but not much is said on what strategy you should consider when you implement risk, enterprise risk or strategic risk


To be the most efficient and effective in implementing your strategy( change management) you need be open to changing that strategy when you are not getting enough traction (most impact in the shortest amount of time). Don't be fooled into thinking that just because you have buy-in that your advocates/management/board don't want immediate measurable results.

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EXIGIS, LLC. (, the leading provider of risk management, insurance, and trade finance software and services, announced the release of RiskWorksPS™ – a risk and insurance workflow automation software suite developed and configured specifically to the unique needs of the public sector.

The challenges and complexities of managing risk in the public sector are profoundly different from those in the private sector. RiskWorksPS is the first multi-application cloud-based risk management operating system, purpose-built for the public sector, providing Risk Pools and independent Self-Insureds a central ‘command-and-control’ to easily identify, process, monitor, and manage discreet risk and insurance information across the operation.

“The public sector is faced with an increasingly complex and diverse risk landscape. The idea of utilizing solutions designed for the private sector to manage public sector risks is reminiscent of the round-hole/square-peg adage – it simply won’t work.  To optimize efficiency and maximize resource effectiveness, public sector risk managers need solutions designed specifically for their needs,”

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EXIGIS, LLC. (, the leading provider of risk management, insurance, and trade finance software and services, has announced the release of RiskWorks rm.Compliance 10.7, the next generation of the company’s industry-leading contract compliance and insurance certificate validation software.

EXIGIS RiskWorks rm.Compliance was one of the first web-based workflow automation software solutions purpose-built for the management, verification and maintenance of contract compliance and third party certificates of insurance.

“Today’s risk manager is faced with the challenge of managing an increasingly complex and progressive risk landscape.  The promise of technology is to increase the risk management ‘efficiency quotient’ by improving access to timely and actionable business intelligence.  This is particularly important in the context of supply chain and counterparty risk,” said Frank McMackin, Director Business Development and Accounts at EXIGIS. 

The release is an important upgrade to RiskWorks rm.Compliance and marks a momentous advancement in insurance compliance technology.  Release 10.7 delivers significant interface and feature enhancements and includes powerful new functionality relating to the aggregation of account data across multiple contracts, management of organizational unit hierarchies and subsidiaries, adaptation of non-standard contract requirements,

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I often tell myself, during election times, that if I don't vote - I can't complain about the outcome!

What does voting mean? Is it the physical process of casting your vote - YES - and more. It involves the discussion around that topic - respectfully of course. But sometimes passionately! Ask yourself, is an uninformed vote a good vote?

The world has become complex and we all find it difficult to stay current with the issues due to information overload. Priority plays a big part, for me, in what to vote for and what to discuss. I vote for the following on a daily, weekly, monthly and yearly basis:

1) Love for my family and friends,
2) Structure for our daily lives that helps to make a safe and loving environment for my family and friends - municipal, provincial/state and national elections.
3) Passion in my career and for those initiatives that I hold dear to me - RIMS, RIMS Canada and SARIMS.
4) The hope that the Edmonton Oilers will once again win a playoff game!

All of my above votes require me to discuss the topic and vote to make changes or keep things the same. I act/re-act or decide to stay the course. My best decisions come when I think, engage others, talk to small and large groups and sometimes talk to myself - what do I really believe in?
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ERM COE : governance, Performance Mgmt, RCC, RIMS, RIMS Canada, SARIMS, vote  File Types : discussion, vote


When we are talking about container shelters, there is one thing that we simply need to include in our story and those are shipping containers, the gigantic metal containers that have changed our world without anyone being any wiser. They are one of the unsung heroes of the 20th century and something most people do not think about twice in their lives unless their livelihood is connected to shipping containers. Still, they have contributed to our world in unimaginable ways and they still do. That is why, in this little story of the history and the possible future of container shelters, we also need to talk about the history of shipping containers.


It all started in 1937, when a man called Malcolm P. McLean, an ordinary truck driver, was waiting for his truck to be unloaded in New Jersey. He was standing there looking at all those people loading his truck for hours and hours, watching them load other trucks and then, later, watching some other workers take everything back out of his truck and into a ship, using slings that used to be the only way to move stuff from trucks to ships.

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Whatever type of investor you may be, real estate is usually a low-risk and potentially profitable option for your money. There are plenty of factors which mean that real estate is an asset class in a category of its own. There are lots of advantages, but quite often real estate is not as simple an investment option as other assets.

If you already have a fairly extensive investment portfolio, then it is worth noting that independent financial advisors often suggest that 15-30 per cent of a portfolio should lie in real estate. This is because in general, there is almost guaranteed to be a fairly consistent supply and demand. Therefore, real estate enjoys a stability which stocks and shares for example don’t often have. Unlike other financial markets, you will usually find that property values fluctuate cyclically

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Assessing the legal risks posed to any business is no different from any corporate risk management assessment. It involves identifying, assessing and then developing strategies to manage risks taken by the company. In this case though, the key factor is the potential legal consequence that any event may have on the business. In order to manage this whole process effectively, there are a few steps worth taking.

  1. Understand the legal responsibility of the company

    Conducting a thorough review of the company’s activities is the most effective starting point. You need to have a clear idea of what legal responsibilities and obligations exist. The only way to do this is to truly get to grips with what the company does and how it operates on a day to day level. An effective lawyer should then be able to assess exactly what legal risks are entailed in each area of the company’s operations. For quick reference, reliable resources such as
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Binary, By Definition, Means Only Two Possible Outcomes: Win it All or Lose it All

It's like flipping a coin, heads or tails or the one in a billion "edge" landing. There isn't much you can do to manage your risk in this situation except to limit the amount at stake, know that your opponent can't or won't cheat or refrain from taking the chance in the first place. Trading binary options is a similar endeavor. Once you buy or sell your options, you can't back out, you're in it till the end (expiration date and time). The time to manage your risk is Before you lay your money down.

There Are Ways to Reduce Risk, But it Takes Discipline

If you intend to try trading binaries a couple of times just for the fun of it, put down the minimum amount of money required by the trading platform. If, after a few trades, you're out of money in your account, simply walk away and consider the money lost as the cost of entertainment for the evening. Alternately, if you're doing okay, you're a few bucks ahead and you want to keep going, use common sense money management plans to limit your risk.

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Growing up in the country, my days were filled with fun and a lot of work. Dad allowed us to have fun, but only if our chores were done. I remember those days and all the different seasons that required different chores to be done. Spring, mowing the lawn, weeding flower beds and landscape work. Summer, mowing the lawn, cleaning the pool and sweeping the driveway. Fall, raking the leaves and cleaning up all the tree limbs. Winter, shoveling the snow, shoveling the snow and only bare pavement was allowed on the driveway!!

My Dad believed that if my brother and I were kept busy, we would learn how to work. He also believed in each task being done correctly and to his standards. He taught us that any task worth doing was worth doing well. I believe this teaches lessons in leadership.

Leadership is about having fun, but not until the work is done. There are many seasons in leadership, Growth, like Spring, is a time to make sure everything is ready to accept growth. Stability, like Summer, is a time to maintain your business landscape. Decline, like Fall, a time to clean up and get things in order. Disappointment, like Winter, a time to get down to the "bare pavement" of problems and fix them.

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For every company, hiring employees is a double-edged sword. On the one hand, these are the people whose hard work holds the key to corporate success. On the other hand, there is a risk to their employment. What if employees can't be trusted or simply make too many innocent but detrimental mistakes? At the end of the day, people are fallible. However, there are some steps that companies can take to reduce this risk.

As a general guide, companies should seek to establish a culture of corporate openness. This means that if employees do make mistakes, when problems do occur, that they are encouraged to be honest about them. Issues should not be covered up or ignored. They should rather be handled honestly and effectively. If not, they are a ticking bomb waiting to explode. Especially in companies where sales and profits are rewarded with bonuses, enthusiasm can get the better of employees. How many banks have fallen foul to the over-ambition of staff, plunging the bank itself into serious problems? More effective oversight and openness could have made all the difference.

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I am reviewing the organization self administered RMIS and I am looking for a company that will be able to manage the various types of claims. We are looking for software to track and manage claims under Workers Compensation, General Liability, Property, EPL and various other policies . We are looking for database or claims management software to assist with managing and tracking claims. The ability to also track our policies or the potential to expand to include this function would be great. Does anyone recommend a company/software, Could you also give me some pro's and con's of company's or software you have used or using?
Thank you
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Can anyone tell me where I would find information on whether or not Canadian insurers will allow a waiver of subrogation on auto policies?  I'm getting conflicting information
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While social media platforms like Twitter and Facebook are relatively recent developments, the number of users accessing these sites has skyrocketed over the past couple years. In addition to an ever-growing pool of new users, many existing users visit these sites several times per day. Recent Valued Opinions™ research on Australian social media use through paid surveys online shows that of the 2,798 people surveyed, 44% of people aged 14-24 and 39% of people aged 25-34 check their social media accounts 5 or more times per day. Social media use wasn't limited to younger audiences, however; 32% of those aged 35-44 check their social media accounts 2-4 times per day, while over a quarter of those aged 45-54 do so.

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If you are worried about your business falling behind the curve, you are not alone. It takes a lot of time and effort to keep your business running as usual. When you are dealing with trying to maintain the status quo, however, you can easily lose sight of the big picture and fail to plan for the future. Even those who have the desire to position their company to be at the forefront of the latest trends and developments often lack the time and energy to do so. However, finding a way to be successful in this area is critical, and there are several steps that you can take to ensure that your company does not fall behind the curve.  

Review Data Security
First and foremost, you should pay attention to 
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Get maximum visibility and customers
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