MMA is on the Move!

Posted by Jenna Hering on August 31, 2018 at 12:43 PM
MMA is on the Move!

Marsh & McLennan Agency’s Los Angeles office is relocating to downtown Los Angeles, beginning September 10th, 2018.

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Topics: Inside MMA

How to Communicate Like an All-Star this Open Enrollment Season

Posted by Morgyn Cronan, Benefits Communications Specialist on August 20, 2018 at 10:00 AM
How to Communicate Like an All-Star this Open Enrollment Season

Let’s get real. Annual open enrollment season makes many HR teams want to run for the hills. When 49% of employees state that making health insurance decisions is stressful [1], it is crucial that employers adequately communicate and educate employees during open enrollment. To prepare you for your upcoming open enrollment season, your Marsh & McLennan Agency (MMA) benefits communication experts are here to equip you with six superb strategies to help you develop an all-star communication plan.

What to DO:


As you reflect on your previous year’s open enrollment, consider asking yourself what part of your communication strategy was a success. And, where did you fall short with your communication efforts?  Are there any aspects you should replicate or avoid? Don’t be concerned about bringing back a successful communication tactic from last year OR changing it up if you didn’t meet the needs of your employees. Work with your MMA team to learn about new communication channels or tools that you could bring to open enrollment this time around.


Employees who believe that their company cares about their health and well-being are 38% more engaged, 28% more likely to recommend their workplace, and 17% more likely to still be working at their current employer in one year [1]. What better way to show you value your employees than to request their feedback?

Whether it be through focus groups or electronic surveys, gathering feedback will help you understand if your employees are engaging in their benefits and what communication tools they need to better comprehend the complex content. For example, have you asked your employees how they want to receive their benefits information? Do you know how they would answer? Maybe they're looking for videos or more visuals to spruce up their learning. Marsh & McLennan Agency can help you create customized benefits surveys to help you better understand and reach your employee population.

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Topics: Employee Benefits

Before You Say 'I Do': Why Your Wellness Program Shouldn't Marry Your Carrier

Posted by Frank Jakka, CWP, CPT, Director, Health & Productivity on August 13, 2018 at 10:00 AM
Before You Say 'I Do': Why Your Wellness Program Shouldn't Marry Your Carrier

For most employers, your wellness program is closely tied to your employee benefits package. Wellness incentives and initiatives, as well as measures of program effectiveness, are typically guided by your benefits plan and claims information.

Insurance carriers are well aware of the relationship between wellness programs and health plan benefits, with almost all providing some type of complimentary preventive health or wellness program design. Wellness program support can come in the form of health education seminars, biometric screenings, flu shots, or even a technology platform.

While we recommend leveraging these carrier offerings (especially those at no cost), we suggest not getting too married to their programs and keeping a maiden program identity. Before becoming too smitten with your carrier, consider putting their proposal on ice (or I.C.E.):

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Topics: Employee Benefits, Wellness

2018 Cyber Risk Survey Findings

2018 Cyber Risk Survey Findings

Marsh & McLennan Agency surveyed 1,141 executives from small to middle-market organizations across North America. While almost 60% of these executives consider cyber security to be one of the top five risks facing their business, only 18% noted that their organizations have developed a cyber incident response plan. A common theme in the results is that there seems to be a gap between understanding the risk of a cyber breach and actually having a plan in place for when an incident occurs.

We’ve compiled a few of the key findings from the report. To download the full cyber risk report, click here.

Key Findings

  • Sixty-eight percent of respondents were concerned about business interruption posing a threat to their organization. For small to mid-size businesses, even a couple days offline could lead to significant financial damage. Cyber business interruption insurance can help minimize losses by providing funding during the network interruption.
  • Less than 40% of participants have performed gap assessments, phishing training, or penetration testing. These security practices are becoming more common and affordable, and some vendors and insurance policies even include these services.
  • Seventeen percent of those surveyed are not confident in their organization’s ability to manage, respond, and recover from a cyber incident. When asked about their confidence level, 6% indicated that they were unsure about their own company’s abilities. However, organizations that took preventative measures were more confident in their ability to handle an attack.
  • Thirty-six percent of executives don’t know what their organization is doing about cyber insurance. Of the 36% of respondents that have cyber insurance, none planned to discontinue their coverage.
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4 Risks Digital Health Companies Need to Face Head-On

Posted by Brett Buchanan, Client Executive on July 16, 2018 at 10:00 AM
4 Risks Digital Health Companies Need to Face Head-On

This article was originally published in San Francisco Business Times.

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Topics: Healthcare, Digital Health

Creating a Fleet Safety Program That Sticks

Posted by Sean Reddy, CPCU, ARM | Principal on July 9, 2018 at 10:00 AM
Creating a Fleet Safety Program That Sticks

When it comes to managing your fleet, nothing matters more than keeping your drivers and cargo safe. While collisions will happen, a Safety Awareness Program can help dramatically reduce their frequency and severity.

How do you create a successful Safety Awareness Program?  Is your program engaging enough to help your employees retain the information?  Does it encourage drivers to practice and support the safety measures being implemented?

Here are some strategies you can use to make your Safety Awareness Program a success both in the classroom and behind the wheel:


While every Safety Awareness Program may be a bit different, ensuring its success all starts with the same basic actions:

  • Establishing clear goals and objectives early on.
  • Having management demonstrate direct and visible support.
  • Structuring training sessions to encourage active participation from drivers.
  • Providing access to comprehensive and varied learning materials.
  • Implementing effective investigation and incident follow-up methods.

Safety programs are an ongoing process of learning, feedback, and adjustment, so don’t be discouraged if it takes time to develop something to best serve your fleet. If you’re feeling stuck or just need some direction, our partners at Travelers created a handy Roadmap to Transportation Safety Management to help you find your way. Also, their Tips for Creating a Safety Awareness Program are a great in-depth view on the subject and could be your next source of inspiration.

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Topics: Property + Casualty, Safety

Cal/OSHA Reminds Employers to Protect Outdoor Workers from Heat Illness, Warns of Forthcoming Indoor Regulation

Posted by Jeff Hulson, Director, Risk & Loss Advisors on June 18, 2018 at 11:30 AM
Cal/OSHA Reminds Employers to Protect Outdoor Workers from Heat Illness, Warns of Forthcoming Indoor Regulation

June 2018 — As the warmer summer weather approaches, it is crucial for employers to take seasonal precautions to protect employees from the serious risk of heat stroke. While protecting employees at outdoor worksites remains key, a proposed regulation for indoor work environments is forthcoming in 2019.

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Topics: Property + Casualty, Safety, Construction

Leveraging Partnerships: Celebrating the Bay Area CFO of the Year and Larkin Street Youth Services

Posted by Adam Moise, Principal on June 6, 2018 at 9:15 AM
Leveraging Partnerships: Celebrating the Bay Area CFO of the Year and Larkin Street Youth Services

On June 7, 2018 I have the privilege of representing Marsh & McLennan Agency (MMA) in sponsoring the Bay Area CFO of the Year Awards presented by the San Francisco Business Times and Larkin Street Youth Services. As a Board member of Larkin Street, I am proud to support this nonprofit’s ground-breaking work, while honoring world-class CFOs leading their organizations.

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Topics: Community Outreach, Inside MMA, Leadership

Avoiding a Product Recall

Posted by Michelle Landver, CIC on June 4, 2018 at 10:00 AM
Avoiding a Product Recall

Recalling a product is a situation that no company ever wants to be involved in. Despite the extreme unpleasantness associated with them, we hear about product recalls involving everything from contaminated food to unsafe furniture on a daily basis.

In the industries of consumer products, food services, and beyond, building a product recall risk management strategy involves several critical components. According to Stericycle Expert Solutions, the first lines of defense to protect your company are prevention and preparedness[1]:

  • Invest in automated technology. Utilizing automated technology can reduce the chances of human error and can ensure perishable goods are kept at the right temperature at all times.
  • Collect employee feedback. Creating an environment which encourages employees to notify management of potential issues right away will give your company a better handle on quality control.
  • Conduct a “mock recall.” A mock recall can help expose gaps in recall execution or identify weaknesses in supply chain traceability of ingredients or components.
  • Use regulatory bodies as a resource. Opening a line of communication can help your business understand expectations and procedures better. You may also benefit from maintaining a relationship if an issue that might trigger a recall arises.

Even with the best prevention and preparedness strategies in place, the chances of a product recall still exist. Here are four reasons why your company should strongly consider purchasing a product recall insurance policy to protect your balance sheet:

  • Recalls occur more often than you think. The U.S. Consumer Product and Safety Commission (CPSC) and the Food and Drug Administration (FDA) are just two of the regulatory bodies tasked with recalling products deemed to pose a potential health or safety risk to the public.
    • More than 4,200 product recalls were issued by US federal agencies in 2015 and trends are rising.[2]
  • Governmental oversight is more present than ever. Between the Consumer Product Safety Improvement Act of 2008,the FDA’s Food Safety Modernization Act of 2011, and new EU regulations, laws are becoming stricter and compliance continues to be a challenge for businesses.
    • 47% of food recalled in the US in 2016 was because of microbiological contamination.
    • 50% of surveyed food manufacturers spent more than $9 million when a product was recalled.
    • Some of the top product groups commonly recalled are food, electronics, children’s products, clothing, furniture, and appliances.
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Topics: Property + Casualty, Manufacturing

Orange County Office Welcomes Michelle Wulfestieg as GROW Keynote Speaker

Posted by Claudette Renault, Digital Media Specialist on May 30, 2018 at 10:00 AM
Orange County Office Welcomes Michelle Wulfestieg as GROW Keynote Speaker

On May 3, we welcomed Michelle Wulfestieg as our speaker for the second annual Orange County GROW* keynote. As a two-time stroke survivor, hospice advocate, motivational speaker, and award-winning author, Michelle shared her story of perseverance, hope, and the power of living your deeper purpose.

Diagnosed with a rare vascular brain lesion and given a short life expectancy, Michelle vowed to live her best life during the time she had. At a young age, she discovered that she wanted to help others in need, as she believes “everyone has a purpose to serve in some capacity.” Devoted to finding her true passion, Michelle explored volunteering with many different organizations, ultimately finding herself drawn to hospice. 

After suffering a second stroke, Michelle spent eight days in a deep coma. However, after Michelle finally woke, she was free of the lesion. Determined to be able to help her hospice patients once again, she spent years recovering – learning to read, write, walk, and talk again. “It all happens for a reason and there is hope at the end of the day,” Michelle said.

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Topics: GROW, Inside MMA, Leadership

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