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David Freeman, Director, Commercial Sales

Recent Posts

Workers’ Comp: Will You Be Paying More in 2017?

By David Freeman, Director, Commercial Sales

clock August 22, 2016 at 10:00 AM

Beginning in September, companies across California will learn whether they will be paying more for workers’ compensation insurance next year.

For some doing business in the Golden State, it will be an unwelcome surprise. The increase could be significant.

The potential rate changes are due to a rule approved last year by California Insurance Commissioner David Jones. Beginning in 2017, the formula to determine an organization’s “experience modification,” the rate used to calculate workers’ comp pricing, will change.

The rationale for the change was to level the playing field for small businesses. Previously, the one-size-fits all formula had the potential to unfairly penalize smaller organizations.  A few claims had a dramatic affect on their workers’ comp premiums, a consequence usually not seen with larger businesses.

For many, the new formula will likely result in little change in their workers’ comp premium. However, it’s likely that some large and small employers with a higher frequency of claims will see a dramatic impact.

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Topics: Property + Casualty, Market Trends, Workers' Compensation

Manufacturers: Are You Handling Overseas Suppliers Correctly?

By David Freeman, Director, Commercial Sales

clock August 8, 2016 at 10:00 AM

US manufacturers know all too well the competitive pressures and the shortage of stateside supplies that drive the use of overseas supplies. Foreign suppliers often deliver quality parts at affordable prices and for US manufacturers to stay competitive, there’s often no way around utilizing these resources. However, working with foreign suppliers can be confusing and risky for both new and experienced manufacturers.

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Topics: Property + Casualty, Manufacturing

The Life of a Product: Successful Risk Management at Each Stage

By David Freeman, Director, Commercial Sales

clock April 4, 2016 at 10:00 AM

Bringing a product to market is a multi-step process, with opportunity and risk present at every stage in the life cycle. The most successful manufacturers approach each step as if it were a new initiative, taking time and investing resources that will optimize the end result.

From the idea stage to end-user adoption, there are plenty of steps in a company’s manufacturing cycle that could be a weak link, creating problems that may not rear up until well past the point of a manageable and affordable correction. For this reason, successful risk management means being proactive during all phases of the product’s life cycle: Pre-production, production and post-production.

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Topics: Property + Casualty

Manufacturers: Can You Spot the ‘Fauxcasso’ in Your Supply Chain?

By David Freeman, Director, Commercial Sales

clock September 28, 2015 at 9:00 AM

Unless you are a serious art collector, you may not know the name John Myatt, but you can be sure the infamous name is stamped on the minds of appraisers at Christie’s, Sotheby’s, and reputable art dealers throughout the United States and Europe.

A skillful art forger, Myatt, was convicted in 1996 of passing off more than 200 fake artworks supposedly created by the likes of Picasso, Matisse, and Giacometti. Even the best art professionals were fooled as these works fetched prices in the millions.

Sadly, this happens with much more frequency in the manufacturing world, where the sale of counterfeit parts is a rampant problem. In 2014 alone, the Department of Homeland Security seized counterfeit goods valued at more than $1.2 billion at U.S. borders.

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Topics: Property + Casualty

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