Posted By

Joy Gänder

The Financial Health of Insurance Companies: It Matters

Looking at the financial strength ratings of insurance companies is one way of assessing their long-term ability to pay claims ...
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A Seller’s Market

The property and casualty insurance market is like the tide; it changes on a regular basis.  Two years ago, the ...
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EPA Study on the Effectiveness of UST Insurance as a Financial Responsibility (FR) Mechanism

Gänder Consulting Group, LLC conducted a study on behalf of the United States Environmental Protection Agency – Underground Storage Tank ...
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Hacks, Ransomware and Breaches – Oh My!

Even though I’m a techie neophyte, I began writing this article by jotting down a few general ideas, and, in ...
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Selecting a Nearly-Infallible Machine: Insurance Company Ratings

Introduction Imagine needing a machine to work 365 days per year, 24/7. Imagine the machine must fulfill a specific purpose ...
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Good Risk Management Can Cut Insurance Costs

“Rumors were circulating at Carol’s wholesale business that the sales manager, Tom, was interested in “getting involved” with Christa, the ...
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The Impact of an Employee’s Dishonesty: When 1 + 1 Does Not = 2

Store 13* had increased its sales each month since opening a year and a half ago. Some increases were as ...
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Temps, Leased Employees and Borrowed Employees: What’s the Difference and Why Should I Care?

Have you used or do you use temporary help (“temps”), leased employees or borrow employees? Here are a few workers’ ...
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Fiduciary Liability = Your Personal Assets at Risk

The phrase “fiduciary liability” is probably familiar to you in the context of corporate directors and officers, and their fiduciary ...
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Cyber Risk & Insurance

Introduction This article examines the issue of cyber risk and exposures to loss, including recent legal and legislative developments. It ...
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