Mobile Devices Pose Security Risks

According to Gartner, through 2015, more than 75 percent of mobile apps will fail basic security tests. Once they are in, the bad guys can access other devices on the network through a Wi-Fi connection.

Another threat is phishing attacks, in which the cyber criminal sends an infected email or a text message to a smartphone or tablet. The message appears as if it is from a credible source, but when an employee opens it, the device becomes infected. When the user connects the device to a company computer, the virus is transferred, and the hacker can enter the larger network.
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Demystifying Captives

A captive is an insurance company, whose primary job is to insure the risks of its owner or owners. Captive insurance companies have existed for many years, gaining legitimacy in the 1960s and enjoying steady growth in the 1970s and 1980s. Today, there are approximately 6,200 captives worldwide, with 90 percent of Fortune 500 companies having one or more captives. Captives have become part of the retail insurance fabric and are no longer the exception.
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The State of the Commercial Property/Casualty Insurance Market

Property/casualty commercial lines rates in the United States have been decreasing moderately for the past three-quarters, according to most industry data. In the most recent Commercial P/C Market Index Survey, rates decreased by 3.3 percent in the second quarter of 2015. Data suggests that rate decreases are most frequently reported in the property, general liability and workers’ compensation lines of coverage. Flood coverage rates are increasing as carriers react to both the Biggert Waters Act and the Homeowner Flood Insurance Affordability Act (HFIAA).
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