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management.
SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPAC LITIGATION HAS ARRIVED This article was originally published in ABA’s Business Law Today Month-in-Brief. We all knew it was coming. With 248 SPAC IPOs in 2020 and 324 SPACs already gone through their IPOs in 2021, it was inevitable that the plaintiffs’ bar would take notice and launch at least a few lawsuits. COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The fee is due by July 31, 2021 and varies based on the applicable plan year as follows: For plan years that ended between January 1, 2020 and September 30, 2020, the fee is $2.54 per covered life. For plan years that ended between October 1, 2020 and December 31, 2020, the fee is $2.66 per covered life. For example, for a plan year thatran
MAKE YOUR EMPLOYEES THE HERO OF THEIR PARENTHOOD JOURNEY Evaluating and Structuring Coverage: An Employer Example. Woodruff Sawyer’s client, Alteryx, wanted to explore fertility benefits to enhance their benefit offerings to their employees.We started with a benchmarking approach, using FertilityIQ and other market sources to help Alteryx make an informed decision. Our research revealed that the number of large companies who recently introduced GUIDE TO D&O INSURANCE FOR SPAC IPOS (AND HOW TO SAVE Why Have Rates Skyrocketed? The basic law of supply and demand has played a big part in the skyrocketing of premiums. The surge of SPAC IPOs in the face of a D&O insurance market that is not seeing new carriers means, inevitably, that the price of this insurance is going up.. The D&O insurance market is a pretty closed system in the shortrun.
SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPAC LITIGATION HAS ARRIVED This article was originally published in ABA’s Business Law Today Month-in-Brief. We all knew it was coming. With 248 SPAC IPOs in 2020 and 324 SPACs already gone through their IPOs in 2021, it was inevitable that the plaintiffs’ bar would take notice and launch at least a few lawsuits. COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The fee is due by July 31, 2021 and varies based on the applicable plan year as follows: For plan years that ended between January 1, 2020 and September 30, 2020, the fee is $2.54 per covered life. For plan years that ended between October 1, 2020 and December 31, 2020, the fee is $2.66 per covered life. For example, for a plan year thatran
MAKE YOUR EMPLOYEES THE HERO OF THEIR PARENTHOOD JOURNEY Evaluating and Structuring Coverage: An Employer Example. Woodruff Sawyer’s client, Alteryx, wanted to explore fertility benefits to enhance their benefit offerings to their employees.We started with a benchmarking approach, using FertilityIQ and other market sources to help Alteryx make an informed decision. Our research revealed that the number of large companies who recently introduced GUIDE TO D&O INSURANCE FOR SPAC IPOS (AND HOW TO SAVE Why Have Rates Skyrocketed? The basic law of supply and demand has played a big part in the skyrocketing of premiums. The surge of SPAC IPOs in the face of a D&O insurance market that is not seeing new carriers means, inevitably, that the price of this insurance is going up.. The D&O insurance market is a pretty closed system in the shortrun.
SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in IRS PROVIDES ADDITIONAL GUIDANCE ON COVID-19-RELATED DCAP This blog post can also be found on our Coronavirus Resource Center. On May 10, 2021, the IRS released Notice 2021-26, which provides additional guidance on relief authorized under the Consolidated Appropriations Act, 2021 (CAA), the American Rescue Plan Act (ARPA), and previous IRS guidance issued in Notice 2021-15. FINANCIAL SERVICES CLAIMS Woodruff Sawyer’s 2020 Databox report is referenced in Allianz’s report about Security Class Action lawsuits and financial servicesclaims
LOOKING FORWARD TO FIND A WAY BACK COO Zac Overbay talks about the most important takeaway from the pandemic - the digital way of doing business is here to stay.POWERING THROUGH
Josh Andrews is highlighted in Insurance Business’ feature “Other Life” focusing on the things we do after work. WHAT TO KNOW BEFORE JOINING A SPAC BOARD Woodruff Sawyer cited in Agenda article about the risks involved in joining a SPAC Board FIVE TYPES OF DERIVATIVE SUITS WITH MASSIVE SETTLEMENTS Five Types of Derivative Suits That Lead to Big Dollar Settlements. 1. Board-Level Conflicts of Interest. Traditionally, this has been the main type of derivative suit that has resulted in large settlements. Merger and acquisition cases are common here. MORE EVIDENCE OF HOW FROTHY SPACS CAN BE Yelena Dunaevsky comments on SPAC scrutiny and one basic calculation that was off the mark for some: the interest income the companies said they expected to earn on their cash. HONORING ADVISORS WHO SERVE(D) Kristina Keck's military service is highlighted in ThinkAdvisor's annual Memorial Day tribute. WOODRUFF SAWYER SNAGS MARSH EXEC Coverage of new hire SoCal Practice Leader John Fuhrman. INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
SPAC LITIGATION HAS ARRIVED We all knew it was coming. With 248 SPAC IPOs in 2020 and 324 SPACs already gone through their IPOs in 2021, it was inevitable that the plaintiffs’ bar would take notice and launch at least a few lawsuits. As of mid-May, 13 SPAC-related securities lawsuits have been brought against SPACs in 2021. One of the latest was filed on May 14,2021
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
MAKE YOUR EMPLOYEES THE HERO OF THEIR PARENTHOOD JOURNEY Evaluating and Structuring Coverage: An Employer Example. Woodruff Sawyer’s client, Alteryx, wanted to explore fertility benefits to enhance their benefit offerings to their employees.We started with a benchmarking approach, using FertilityIQ and other market sources to help Alteryx make an informed decision. Our research revealed that the number of large companies who recently introduced SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
FIND THE WOODRUFF SAWYER OFFICE NEAR YOU California – Northern San Francisco, CA 50 California Street, Floor 12, San Francisco, CA 94111 415.391.2141 Get Directions Walnut Creek, CA 2121 N. California Blvd, Suite 625, Walnut Creek, CA 94596 844.972.6326 Get Directions Novato, CA 2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in PROPERTY & CASUALTY LOOKING AHEAD GUIDE 2021 Commercial lines premiums in 2021 will be impacted by the many events of 2020, so let’s start with COVID-19. According to Statista, estimates of total industry losses, including life insurance, have ranged from $80 billion to $140 billion. To date, most commercial lines insurers have reported the greatest losses in event cancellation, travel IRS PROVIDES ADDITIONAL GUIDANCE ON COVID-19-RELATED DCAP This blog post can also be found on our Coronavirus Resource Center. On May 10, 2021, the IRS released Notice 2021-26, which provides additional guidance on relief authorized under the Consolidated Appropriations Act, 2021 (CAA), the American Rescue Plan Act (ARPA), and previous IRS guidance issued in Notice 2021-15. LOOKING FORWARD TO FIND A WAY BACK COO Zac Overbay talks about the most important takeaway from the pandemic - the digital way of doing business is here to stay. FINANCIAL SERVICES CLAIMS Woodruff Sawyer’s 2020 Databox report is referenced in Allianz’s report about Security Class Action lawsuits and financial servicesclaims
WHAT’S AHEAD FOR CRYPTOCURRENCY AND TRUST COMPANIES Major financial institutions such as Fidelity recently announced they have partnered with NYDIG while others have partnered with Prime Trust. Even the US Federal Reserve announced it is exploring a new central bank digital currency (CBDC) in light of the current market cap of $2 trillion dollars for cryptocurrencies. MORE EVIDENCE OF HOW FROTHY SPACS CAN BE Yelena Dunaevsky comments on SPAC scrutiny and one basic calculation that was off the mark for some: the interest income the companies said they expected to earn on their cash. WHAT TO KNOW BEFORE JOINING A SPAC BOARD Woodruff Sawyer cited in Agenda article about the risks involved in joining a SPAC Board INSIGHTS - WOODRUFFSAWYER.COM woodruffsawyer.com 2 OSHA Recommendations People involved in flood cleanup should take the following precautions: • Wear a hard hat, safety glasses, reflective vest, gloves, and INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. GETTING THE UMBRELLA AND EXCESS LAYERS RIGHT Clients and brokers will likely need to split that $25 million umbrella into a $10 million umbrella with $15 million in the first excess layer. When umbrella limits are reduced and new layers of insurance are put in place, cost inevitably rises as insurer overhead costs are duplicated and each insurer seeks an adequate price fortheir capacity.
A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage FIND THE WOODRUFF SAWYER OFFICE NEAR YOU California – Northern San Francisco, CA 50 California Street, Floor 12, San Francisco, CA 94111 415.391.2141 Get Directions Walnut Creek, CA 2121 N. California Blvd, Suite 625, Walnut Creek, CA 94596 844.972.6326 Get Directions Novato, CA 2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in PROPERTY & CASUALTY LOOKING AHEAD GUIDE 2021 Commercial lines premiums in 2021 will be impacted by the many events of 2020, so let’s start with COVID-19. According to Statista, estimates of total industry losses, including life insurance, have ranged from $80 billion to $140 billion. To date, most commercial lines insurers have reported the greatest losses in event cancellation, travel IRS PROVIDES ADDITIONAL GUIDANCE ON COVID-19-RELATED DCAP This blog post can also be found on our Coronavirus Resource Center. On May 10, 2021, the IRS released Notice 2021-26, which provides additional guidance on relief authorized under the Consolidated Appropriations Act, 2021 (CAA), the American Rescue Plan Act (ARPA), and previous IRS guidance issued in Notice 2021-15. LOOKING FORWARD TO FIND A WAY BACK COO Zac Overbay talks about the most important takeaway from the pandemic - the digital way of doing business is here to stay. FINANCIAL SERVICES CLAIMS Woodruff Sawyer’s 2020 Databox report is referenced in Allianz’s report about Security Class Action lawsuits and financial servicesclaims
WHAT’S AHEAD FOR CRYPTOCURRENCY AND TRUST COMPANIES Major financial institutions such as Fidelity recently announced they have partnered with NYDIG while others have partnered with Prime Trust. Even the US Federal Reserve announced it is exploring a new central bank digital currency (CBDC) in light of the current market cap of $2 trillion dollars for cryptocurrencies. MORE EVIDENCE OF HOW FROTHY SPACS CAN BE Yelena Dunaevsky comments on SPAC scrutiny and one basic calculation that was off the mark for some: the interest income the companies said they expected to earn on their cash. WHAT TO KNOW BEFORE JOINING A SPAC BOARD Woodruff Sawyer cited in Agenda article about the risks involved in joining a SPAC Board INSIGHTS - WOODRUFFSAWYER.COM woodruffsawyer.com 2 OSHA Recommendations People involved in flood cleanup should take the following precautions: • Wear a hard hat, safety glasses, reflective vest, gloves, and INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS THE BIPA LITIGATION LANDSCAPE AND WHAT LIES AHEAD The BIPA Litigation Landscape and What Lies Ahead. Class action litigation for non-breach privacy violations has exploded. In contrast to a data breach situation where there is unauthorized access or data theft, a non-breach privacy violation happens when a company or data holder violates a statute or law related to a person’s data. Why the SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. FIND THE WOODRUFF SAWYER OFFICE NEAR YOU California – Northern San Francisco, CA 50 California Street, Floor 12, San Francisco, CA 94111 415.391.2141 Get Directions Walnut Creek, CA 2121 N. California Blvd, Suite 625, Walnut Creek, CA 94596 844.972.6326 Get Directions Novato, CA 2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The fee is due by July 31, 2021 and varies based on the applicable plan year as follows: For plan years that ended between January 1, 2020 and September 30, 2020, the fee is $2.54 per covered life. For plan years that ended between October 1, 2020 and December 31, 2020, the fee is $2.66 per covered life. For example, for a plan year thatran
IRS PROVIDES ADDITIONAL GUIDANCE ON COVID-19-RELATED DCAP This blog post can also be found on our Coronavirus Resource Center. On May 10, 2021, the IRS released Notice 2021-26, which provides additional guidance on relief authorized under the Consolidated Appropriations Act, 2021 (CAA), the American Rescue Plan Act (ARPA), and previous IRS guidance issued in Notice 2021-15. LOOKING FORWARD TO FIND A WAY BACK COO Zac Overbay talks about the most important takeaway from the pandemic - the digital way of doing business is here to stay. FINANCIAL SERVICES CLAIMS Woodruff Sawyer’s 2020 Databox report is referenced in Allianz’s report about Security Class Action lawsuits and financial servicesclaims
WHAT’S AHEAD FOR CRYPTOCURRENCY AND TRUST COMPANIES Major financial institutions such as Fidelity recently announced they have partnered with NYDIG while others have partnered with Prime Trust. Even the US Federal Reserve announced it is exploring a new central bank digital currency (CBDC) in light of the current market cap of $2 trillion dollars for cryptocurrencies. MORE EVIDENCE OF HOW FROTHY SPACS CAN BE Yelena Dunaevsky comments on SPAC scrutiny and one basic calculation that was off the mark for some: the interest income the companies said they expected to earn on their cash.COMPLIANCE ALERT
6 woodruffsawyer.com reduction in hours by paying 50% of the cost of COBRA, the employer can only claim 50% of the cost of coverage as a premium assistance credit. INSIGHTS - WOODRUFFSAWYER.COM woodruffsawyer.com 2 OSHA Recommendations People involved in flood cleanup should take the following precautions: • Wear a hard hat, safety glasses, reflective vest, gloves, and INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in DAN BURKE | WOODRUFF SAWYER Dan Burke. Senior Vice President, National Cyber Practice Leader. Editor, Cyber Liability. dburke@woodruffsawyer.com. 415.402.6514. LinkedIn. Dan has enhanced the foundation of the specialized expertise that our cyber team provides to clients and was instrumental in developing our Cyber Services Network, which gives our clients accessto cyber
LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage FOREIGN VOLUNTARY WORKERS’ COMPENSATION Woodruff Sawyer’s role is to help the parties coordinate between all applicable policies (often the FVWC, business travel accident (BTA) and domestic workers’ compensation) to provide timely benefits and facilitate communication. In summary, Foreign Voluntary Workers’ Compensation provides a broad and unique set of protections. INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. It files an S-1 registration statement with the Securities and Exchange Commission to do so and then uses that capital to acquireand
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE September 22, 2020. In Woodruff Sawyer’s eighth-annual edition of the D&O Looking Ahead Guide, we detail what’s happening in the D&O insurance market to help you prepare for your 2021 renewal. You are also invited to our webinar on this topic, which was held in DAN BURKE | WOODRUFF SAWYER Dan Burke. Senior Vice President, National Cyber Practice Leader. Editor, Cyber Liability. dburke@woodruffsawyer.com. 415.402.6514. LinkedIn. Dan has enhanced the foundation of the specialized expertise that our cyber team provides to clients and was instrumental in developing our Cyber Services Network, which gives our clients accessto cyber
LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS The policy has three components: Side A, Side B, and Side C, which make up the ABC policy. The Side A part of the policy is designed to protect directors and officers when they are sued in their capacity as directors or officers and the corporation cannot indemnify them. Bankruptcy is one scenario. Derivative suits are another. A GUIDE TO INSURANCE FOR SPACS A Guide to Insurance or SPACs 3 The vulnerability brought on by public company exposure creates a need for directors and officers (D&O) liability insurance coverage FOREIGN VOLUNTARY WORKERS’ COMPENSATION Woodruff Sawyer’s role is to help the parties coordinate between all applicable policies (often the FVWC, business travel accident (BTA) and domestic workers’ compensation) to provide timely benefits and facilitate communication. In summary, Foreign Voluntary Workers’ Compensation provides a broad and unique set of protections. IRS PROVIDES ADDITIONAL GUIDANCE ON COVID-19-RELATED DCAP This blog post can also be found on our Coronavirus Resource Center. On May 10, 2021, the IRS released Notice 2021-26, which provides additional guidance on relief authorized under the Consolidated Appropriations Act, 2021 (CAA), the American Rescue Plan Act (ARPA), and previous IRS guidance issued in Notice 2021-15. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from PROPERTY & CASUALTY LOOKING AHEAD GUIDE 2021 Commercial lines premiums in 2021 will be impacted by the many events of 2020, so let’s start with COVID-19. According to Statista, estimates of total industry losses, including life insurance, have ranged from $80 billion to $140 billion. To date, most commercial lines insurers have reported the greatest losses in event cancellation, travel COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The fee is due by July 31, 2021 and varies based on the applicable plan year as follows: For plan years that ended between January 1, 2020 and September 30, 2020, the fee is $2.54 per covered life. For plan years that ended between October 1, 2020 and December 31, 2020, the fee is $2.66 per covered life. For example, for a plan year thatran
FINANCIAL SERVICES CLAIMS Woodruff Sawyer’s 2020 Databox report is referenced in Allianz’s report about Security Class Action lawsuits and financial servicesclaims
LOOKING FORWARD TO FIND A WAY BACK COO Zac Overbay talks about the most important takeaway from the pandemic - the digital way of doing business is here to stay.POWERING THROUGH
Josh Andrews is highlighted in Insurance Business’ feature “Other Life” focusing on the things we do after work. MORE EVIDENCE OF HOW FROTHY SPACS CAN BE Yelena Dunaevsky comments on SPAC scrutiny and one basic calculation that was off the mark for some: the interest income the companies said they expected to earn on their cash. WHAT TO KNOW BEFORE JOINING A SPAC BOARD Woodruff Sawyer cited in Agenda article about the risks involved in joining a SPAC Board HONORING ADVISORS WHO SERVE(D) Kristina Keck's military service is highlighted in ThinkAdvisor's annual Memorial Day tribute. INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE The Webinar. Gain even more insights about what to expect for your 2021 D&O Insurance renewal by watching the recording of our Looking Ahead webinar.. Last year’s guide predicted a lot of what is happening in the current market. SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES What are Special Purpose Acquisition Companies (SPACs)? SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS Priya is a recognized expert and frequent speaker on D&O liability risk and its mitigation. In addition to consulting on D&O insurance, she counsels clients on corporate governance matters, including ways to reduce their exposure to shareholder lawsuits and regulatoryinvestigations.
FOREIGN VOLUNTARY WORKERS’ COMPENSATION Foreign Voluntary Workers’ Compensation (FVWC) offers several important coverages to compliment your comprehensive insurance program. Here we’ll address the what, when, where, who, why, and the Woodruff Sawyer claims approach. DAN BURKE | WOODRUFF SAWYER Dan builds cyber insurance solutions, product enhancements, and client-facing propositions to help expand the company's cyberliability options.
INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE The Webinar. Gain even more insights about what to expect for your 2021 D&O Insurance renewal by watching the recording of our Looking Ahead webinar.. Last year’s guide predicted a lot of what is happening in the current market. SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES What are Special Purpose Acquisition Companies (SPACs)? SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS Priya is a recognized expert and frequent speaker on D&O liability risk and its mitigation. In addition to consulting on D&O insurance, she counsels clients on corporate governance matters, including ways to reduce their exposure to shareholder lawsuits and regulatoryinvestigations.
FOREIGN VOLUNTARY WORKERS’ COMPENSATION Foreign Voluntary Workers’ Compensation (FVWC) offers several important coverages to compliment your comprehensive insurance program. Here we’ll address the what, when, where, who, why, and the Woodruff Sawyer claims approach. DAN BURKE | WOODRUFF SAWYER Dan builds cyber insurance solutions, product enhancements, and client-facing propositions to help expand the company's cyberliability options.
WHAT’S AHEAD FOR CRYPTOCURRENCY AND TRUST COMPANIES Major financial institutions such as Fidelity recently announced they have partnered with NYDIG while others have partnered with Prime Trust. Even the US Federal Reserve announced it is exploring a new central bank digital currency (CBDC) in light of the current market cap of $2 trillion dollars for cryptocurrencies. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The amount of PCORI fees due by employer sponsors and insurers is based upon the number of covered lives under each “applicable self-insured health plan” and “specified health insurance policy” (as defined by regulations) and the plan or policy year enddate.
PROPERTY & CASUALTY LOOKING AHEAD GUIDE 2021 Download the Guide for our 2021 market forecast >> Woodruff Sawyer is a champion for its clients. Our comprehensive process and loss control expertise reveals a broader view of your risk and drives down yourtotal cost of risk.
COMPLIANCE ALERT
6 woodruffsawyer.com reduction in hours by paying 50% of the cost of COBRA, the employer can only claim 50% of the cost of coverage as a premium assistance credit. INSIGHTS - WOODRUFFSAWYER.COM woodruffsawyer.com 2 OSHA Recommendations People involved in flood cleanup should take the following precautions: • Wear a hard hat, safety glasses, reflective vest, gloves, and GUIDE TO D&O INSURANCE FOR SPAC IPOS (AND HOW TO SAVE Why Have Rates Skyrocketed? The basic law of supply and demand has played a big part in the skyrocketing of premiums. The surge of SPAC IPOs in the face of a D&O insurance market that is not seeing new carriers means, inevitably, that the price of this insurance is going up.. The D&O insurance market is a pretty closed system in the shortrun.
INSURING CRYPTOCURRENCY IN 2020 The insurance market for crypto/digital assets is still in its infancy compared with other industries and technologies, and it’s characterized by three major differences: a lack of historical risk data, the unique risks associated with it, and a lack of standard legal terms to be used in policy language. REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. MEET DAN BERRY, SVP, LEADER OF OUR PE & VC GROUP Dan Berry. Senior Vice President, Private Equity & Venture Capital Group Leader, Management Liability. dberry@woodruffsawyer.com. 415.399.6473. LinkedIn INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE The Webinar. Gain even more insights about what to expect for your 2021 D&O Insurance renewal by watching the recording of our Looking Ahead webinar.. Last year’s guide predicted a lot of what is happening in the current market. SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES What are Special Purpose Acquisition Companies (SPACs)? SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS Priya is a recognized expert and frequent speaker on D&O liability risk and its mitigation. In addition to consulting on D&O insurance, she counsels clients on corporate governance matters, including ways to reduce their exposure to shareholder lawsuits and regulatoryinvestigations.
FOREIGN VOLUNTARY WORKERS’ COMPENSATION Foreign Voluntary Workers’ Compensation (FVWC) offers several important coverages to compliment your comprehensive insurance program. Here we’ll address the what, when, where, who, why, and the Woodruff Sawyer claims approach. DAN BURKE | WOODRUFF SAWYER Dan builds cyber insurance solutions, product enhancements, and client-facing propositions to help expand the company's cyberliability options.
INSURING INNOVATION SINCE 1918 Woodruff Sawyer is one of the largest insurance brokerage and consulting firms in the US with global expertise. We provide expert counsel and fierce advocacy in property & casualty, management liability, cyber liability, employee benefits, and personal wealthmanagement.
2021 D&O INSURANCE TRENDS: A LOOKING AHEAD GUIDE The Webinar. Gain even more insights about what to expect for your 2021 D&O Insurance renewal by watching the recording of our Looking Ahead webinar.. Last year’s guide predicted a lot of what is happening in the current market. SPACS: SPECIAL PURPOSE ACQUISITION COMPANIES What are Special Purpose Acquisition Companies (SPACs)? SPACs are special purpose, non-operating companies that consist of a seasoned management team, called the sponsor, which raises capital through an IPO, then uses that capital to acquire and operate a business. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from LOOKING AHEAD TO 2021 P&C LOOKING AHEAD 2021 | WOODRUFF-SAWYER & CO. 3 4 Introduction 6 Commercial Lines Forecast for 2021 11 Property Update: A Market Driven by Big Losses 16 Casualty Renewal Strategy for 2021: Rate Improvements for Key Lines 23 Cyber Insurance: Climbing Rates in 2021 26 Ask The Underwriter: Cargo Market Perspectives 31 Middle Market Underwriter Survey Results TABLE OF CONTENTS SAMPLE RETURN TO WORK ACTION PLAN SAPE RETR TO WOR ACTIO PA | 6 Workplace Protocols to Follow When Returning to Work .has .implemented .various .workplace .protocols .designed WELLNESS TOOLKIT MENTAL HEALTH WELLNESS TOOLKIT MENTA HEALTH | WOODRUFF-SAWYER & CO. 3 INTRODUCTION Employee mental health in the workplace has become a topic of increased focus and awareness in recent years. SIDE A INSURANCE OVERVIEW FOR DIRECTORS & OFFICERS Priya is a recognized expert and frequent speaker on D&O liability risk and its mitigation. In addition to consulting on D&O insurance, she counsels clients on corporate governance matters, including ways to reduce their exposure to shareholder lawsuits and regulatoryinvestigations.
FOREIGN VOLUNTARY WORKERS’ COMPENSATION Foreign Voluntary Workers’ Compensation (FVWC) offers several important coverages to compliment your comprehensive insurance program. Here we’ll address the what, when, where, who, why, and the Woodruff Sawyer claims approach. DAN BURKE | WOODRUFF SAWYER Dan builds cyber insurance solutions, product enhancements, and client-facing propositions to help expand the company's cyberliability options.
WHAT’S AHEAD FOR CRYPTOCURRENCY AND TRUST COMPANIES Major financial institutions such as Fidelity recently announced they have partnered with NYDIG while others have partnered with Prime Trust. Even the US Federal Reserve announced it is exploring a new central bank digital currency (CBDC) in light of the current market cap of $2 trillion dollars for cryptocurrencies. WORKERS’ COMP FOR REMOTE EMPLOYEES: HERE’S WHAT YOU NEED According to a Pew Research Center survey, most workers who said their job responsibilities could be handled remotely never or rarely worked from home before the pandemic.Only one out of five survey respondents said they worked from home all or most of the time before COVID-19. However, by the time of the December 2020 survey, 71% of those workers were doing their job from COMPLIANCE ALERT: PCORI FEES DUE BY JULY 31, 2021 The amount of PCORI fees due by employer sponsors and insurers is based upon the number of covered lives under each “applicable self-insured health plan” and “specified health insurance policy” (as defined by regulations) and the plan or policy year enddate.
PROPERTY & CASUALTY LOOKING AHEAD GUIDE 2021 Download the Guide for our 2021 market forecast >> Woodruff Sawyer is a champion for its clients. Our comprehensive process and loss control expertise reveals a broader view of your risk and drives down yourtotal cost of risk.
COMPLIANCE ALERT
6 woodruffsawyer.com reduction in hours by paying 50% of the cost of COBRA, the employer can only claim 50% of the cost of coverage as a premium assistance credit. INSIGHTS - WOODRUFFSAWYER.COM woodruffsawyer.com 2 OSHA Recommendations People involved in flood cleanup should take the following precautions: • Wear a hard hat, safety glasses, reflective vest, gloves, and GUIDE TO D&O INSURANCE FOR SPAC IPOS (AND HOW TO SAVE Why Have Rates Skyrocketed? The basic law of supply and demand has played a big part in the skyrocketing of premiums. The surge of SPAC IPOs in the face of a D&O insurance market that is not seeing new carriers means, inevitably, that the price of this insurance is going up.. The D&O insurance market is a pretty closed system in the shortrun.
INSURING CRYPTOCURRENCY IN 2020 The insurance market for crypto/digital assets is still in its infancy compared with other industries and technologies, and it’s characterized by three major differences: a lack of historical risk data, the unique risks associated with it, and a lack of standard legal terms to be used in policy language. REPS AND WARRANTIES INSURANCE—THE BASICS Reps and warranties insurance is essentially breach of contract cover designed to enhance or replace the indemnification given by the seller to the buyer. In short, once the ink has dried on the merger or acquisition deal, this covers some of the unforeseen costs caused by any breaches of the seller’s representations. MEET DAN BERRY, SVP, LEADER OF OUR PE & VC GROUP Dan Berry. Senior Vice President, Private Equity & Venture Capital Group Leader, Management Liability. dberry@woodruffsawyer.com. 415.399.6473. LinkedIn THIS WEBSITE USES COOKIES We use cookies to personalize content, to provide social media features, and to analyze our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. Continued usage of this website (without answering the consent dialog) is the same as consenting. Do Not Sell My Personal Information Use necessary cookies only OK Show detailsOK
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Cookie declaration About cookies Necessary (10) Preferences (10) Statistics (18) Marketing (40) Unclassified (0) Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.NAME
PROVIDER
PURPOSE
EXPIRY
TYPE
test_cookie
1 day
HTTP
i
events.ub-analytics.com Registers the website's speed and performance. This function can be used in context with statistics and load-balancing.Session
Pixel
JSESSIONID
New Relic
Preserves users states across page requests.Session
HTTP
ak_bmsc
The Washington Post
This cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the useof their website.
1 day
HTTP
wp_country
The Washington Post
Determines where the user is situated, in order to decide if the user is subjected under the GDPR or other ePrivacy legislations.1 day
HTTP
wp_gdpr
The Washington Post
Determines whether the user is located within the EU and therefore is subject to EU's data privacy regulations.1 day
HTTP
CookieConsent
Cookiebot
Stores the user's cookie consent state for the current domain1 year
HTTP
elementor
woodruffsawyer.com
Used in context with the website's WordPress theme. The cookie allows the website owner to implement or change the website's contentin real-time.
Persistent
HTML
CONSENT
YouTube
Used to detect if the visitor has accepted the marketing category in the cookie banner. This cookie is necessary for GDPR-compliance of thewebsite.
6069 days
HTTP
SSESS#
woodruffsawyer.com
Pending
Session
HTTP
Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.NAME
PROVIDER
PURPOSE
EXPIRY
TYPE
lang
Session
HTTP
geoEdition
CNBC
This cookie is used to determine what country the visitor comes from - This allows the website to set the language accordingly, if possible. The information can be determined through the visitor’sIP-address.
1 day
HTTP
jwplayer.bandwidthEstimateCNBC
Registers the website's speed and performance. This function can be used in context with statistics and load-balancing.Persistent
HTML
jwplayerLocalId
CNBC
Used to determine the optimal video quality based on the visitor's device and network settings.Persistent
HTML
wp_devicetype
The Washington Post
Determines which device is used by the visitor - This allows the website to adjust to the optimal resolution for that specific device.29 days
HTTP
helpful_user
woodruffsawyer.com
Random identifier used by "Was this post helpful" functionality on this site, and used to indicate when you've already provided ahelpfulness rating.
29 days
HTTP
loglevel
Wistia
Maintains settings and outputs when using the Developer Tools Console on current session.Persistent
HTML
wistia-video-progress-#woodruffsawyer.com
Used by the website to track the user's current progress when playing embedded video content, to support resuming at the same pointupon return..
Persistent
HTML
yt-remote-cast-availableYouTube
Pending
Session
HTML
Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting informationanonymously.
NAME
PROVIDER
PURPOSE
EXPIRY
TYPE
sessionPageNumbers
Issuu
Sets a unique ID for the session. This allows the website to obtain data on visitor behaviour for statistical purposes.Session
HTML
sessionStartTime
Issuu
Determines when the visitor last visited the different subpages on the website, as well as sets a timestamp for when the session started.Session
HTML
collect
Session
Pixel
AnalyticsSyncHistoryanalysis service.
29 days
HTTP
_ga
2 years
HTTP
_gat
1 day
HTTP
_gid
1 day
HTTP
ub-emb-id
cf3afe30137a425d97c17313c7132ab6.js.ubembed.com Enables the website to make variations of their landing-page. This is used to minimize bounce-rates, which means that fewer users leave the page immediately.Persistent
HTML
ubpv
woodruffsawyer.com
Determines if a user leaves the website straight away. This information is used for internal statistics and analytics by thewebsite operator.
6 months
HTTP
ubvs
woodruffsawyer.com
Collects data on the user's visits to the website, such as the number of visits, average time spent on the website and what pages have been loaded with the purpose of generating reports for optimising the website content.179 days
HTTP
ubvt
woodruffsawyer.com
Collects data on the user's visits to the website, such as the number of visits, average time spent on the website and what pages have been loaded with the purpose of generating reports for optimising the website content.2 days
HTTP
undefined
Google Tag Manager
Collects data on visitor interaction with the website's video-content - This data is used to make the website's video-content more relevant towards the visitor.Persistent
HTML
wistia
woodruffsawyer.com
Used by the website to track the visitor's use of video-content - The cookie roots from Wistia, which provides video-software towebsites.
Persistent
HTML
6aabf4e7dd64d588b58833008c66dde0b9fe943ba2ddebe77d64be8633003b05ipmetaNetworkResponseThe Washington Post
Pending
Session
HTML
ISPdomain
The Washington Post
Pending
Session
HTML
ISPName
The Washington Post
Pending
Session
HTML
wp_ak_osn
The Washington Post
Pending
2 months
HTTP
ub-emb-GUID#
cf3afe30137a425d97c17313c7132ab6.js.ubembed.comPending
Persistent
HTML
Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and thirdparty advertisers.
NAME
PROVIDER
PURPOSE
EXPIRY
TYPE
tr
Session
Pixel
iutk
Issuu
Recognises the user's device and what Issuu documents have beenread.
179 days
HTTP
bcookie
2 years
HTTP
bscookie
2 years
HTTP
lidc
1 day
HTTP
UserMatchHistory
29 days
HTTP
adEdition
CNBC
Targets ads based on behavioural profiling and geographicallocation.
1 day
HTTP
mc
Quantcast
Collects data on the user's visits to the website, such as what pages have been loaded. The registered data is used for targeted ads.13 months
HTTP
_boomr_akamaiXhrRetryThe Washington Post
Collects information on user preferences and/or interaction with web-campaign content - This is used on CRM-campaign-platform used by website owners for promoting events or products.Persistent
HTML
readlist
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.Persistent
HTML
rpisb
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.Session
HTTP
wapo_identity
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.Persistent
HTML
wp_pwapi_ar
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.3 months
HTTP
wp_usp
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.1 day
HTTP
wp_vi
The Washington Post
Used to implement blog or article content onto the website from other websites. This implementation also allows the origin-website to track on the website.Persistent
HTML
_fbp
3 months
HTTP
_gs
Getsitecontrol
Collects information on user preferences and/or interaction with web-campaign content - This is used on CRM-campaign-platform used by website owners for promoting events or products.Session
HTTP
_gu
Getsitecontrol
Collects information on user preferences and/or interaction with web-campaign content - This is used on CRM-campaign-platform used by website owners for promoting events or products.1 year
HTTP
_gw
Getsitecontrol
Collects information on user preferences and/or interaction with web-campaign content - This is used on CRM-campaign-platform used by website owners for promoting events or products.1 year
HTTP
_sp_id.bc5a
Amazon
Stores user information that is created when a user first visits a site and updated on subsequent visits. It is used to identify users and track the users activity across a domain. This cookie stores a unique identifier for each user, a unique identifier for the users current session, the number of visits a user has made to the site, the timestamp of the users first visit, the timestamp of their previous visit and the timestamp of their current visit.Persistent
HTML
_sp_ses.bc5a
Amazon
Stores user information that is created when a user first visits a site and updated on subsequent visits. It is used to identify users and track the users activity across a domain. This cookie stores a unique identifier for each user, a unique identifier for the users current session, the number of visits a user has made to the site, the timestamp of the users first visit, the timestamp of their previous visit and the timestamp of their current visit.Persistent
HTML
_sp_ses.bc5a.expiresAmazon
Stores user information that is created when a user first visits a site and updated on subsequent visits. It is used to identify users and track the users activity across a domain. This cookie stores a unique identifier for each user, a unique identifier for the users current session, the number of visits a user has made to the site, the timestamp of the users first visit, the timestamp of their previous visit and the timestamp of their current visit.Persistent
HTML
snowplowOutQueue_ubSnowplow_sp-ub_getAmazon
Used in context with Account-Based-Marketing (ABM). The cookie registers data such as IP-addresses, time spent on the website and page requests for the visit. This is used for retargeting of multiple users rooting from the same IP-addresses. ABM usually facilitates B2Bmarketing purposes.
Persistent
HTML
snowplowOutQueue_ubSnowplow_sp-ub_get.expiresAmazon
Used in context with Account-Based-Marketing (ABM). The cookie registers data such as IP-addresses, time spent on the website and page requests for the visit. This is used for retargeting of multiple users rooting from the same IP-addresses. ABM usually facilitates B2Bmarketing purposes.
Persistent
HTML
yt.innertube::nextIdYouTube
Registers a unique ID to keep statistics of what videos from YouTubethe user has seen.
Persistent
HTML
yt.innertube::requestsYouTube
Registers a unique ID to keep statistics of what videos from YouTubethe user has seen.
Persistent
HTML
yt-remote-cast-installedYouTube
Stores the user's video player preferences using embedded YouTubevideo
Session
HTML
yt-remote-connected-devicesYouTube
Stores the user's video player preferences using embedded YouTubevideo
Persistent
HTML
yt-remote-device-id
YouTube
Stores the user's video player preferences using embedded YouTubevideo
Persistent
HTML
yt-remote-fast-check-periodYouTube
Stores the user's video player preferences using embedded YouTubevideo
Session
HTML
yt-remote-session-appYouTube
Stores the user's video player preferences using embedded YouTubevideo
Session
HTML
yt-remote-session-nameYouTube
Stores the user's video player preferences using embedded YouTubevideo
Session
HTML
lpv335041
Salesforce
Pending
1 day
HTTP
visitor_id#
Salesforce
Google Tag Manager
Pending
10 years
HTTP
visitor_id#-hash
Salesforce
Google Tag Manager
Pending
10 years
HTTP
_sp_id.bc5a.expires
Amazon
Pending
Persistent
HTML
Unclassified cookies are cookies that we are in the process of classifying, together with the providers of individual cookies. We do not use cookies of this type.The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission. You can at any time change or withdraw your consent from the Cookie Declaration on our website. Please state your consent ID and date when you contact us regarding
your consent.
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INSURING INNOVATIONTM SINCE 1918 Protecting clients with customized insurance, benefits, and riskmanagement services
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What business are you in? More about industries > The broker’s ability to provide market insights for procurement > are outstanding. Claims service and support have helped us recover > more than we have paid in premium for 5 years. Ability to > expeditiously handle ad hoc inquiries are superb.” > ❞ Chris Priebe, Director, Treasury, Southwest Airlines > We have a great partnership with our Woodruff Sawyer team. Very > collaborative, responsive and supportive. We truly feel they are > advocates of not only our employees but our overall organization.” > ❞ Lindsey Prout, Director, First Tech Federal Credit Union > Great team, well respected, experts in their particular domain. > Always willing to go above and beyond.” > ❞ Stuart Fagin, Deputy General Counsel, Atlassian CorporationINSIGHTS
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Coronavirus Resources: Protecting Your Business and Your People Woodruff Sawyer has established this Coronavirus resource page to provide guidance and answer your pressing questions, such as how to prepare or respond to the associated business risks, and whether insurance coverage may respond.INSIGHTS
Mollie DeHut
INSIGHTS
I Had to Evacuate My Home During a Wildfire. Here’s What I Learned. Woodruff Sawyer’s Mollie DeHut found her and her family facing evacuation due to wildfire. Read her advice for how to be ready for a wildfire evacuation, including what you need to satisfy insurers should the unthinkable happen and your home be lost.Mollie DeHut
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