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LOSS SCENARIOS

Crime

Inventory/Cooking The Books
Inventory/Inventory Conspiracy
Inventory/Inventory? What Inventory?
Phantom Vendors/Look-Alike Vendors
Employee Theft/Manager Pads Bills
Payroll/Nonexistent Employees
Raw Material/Scrap Scheme
Phantom Vendor/The Tax Man Stealeth
Returned Merchandise/Undetected Thief

Employment Practices

Wrongful Termination/Bad Employees…Just Get Worse
Age Discrimination/Discrimination…Doesn't Get Better With Age
Sexual Harassment/Inappropriate Jokes…The Punchline is Not Funny
Sexual Harassment/Office Love…Can Lead to Corporate Heartbreak

Management Liability

Unfair Competition/A Cashless Settlement
Misrepresentation/A Costly Misrepresentation
Breach of Fiduciary Duty, Fraud/After Six Years, A Lawsuit
Misrepresentation/Director Buys Company, Then Sues It
Misappropriation of Trade Secrets/Not a Fair Trade
Misrepresentation/Omission Commission
Breach of Duty of Care/Pressure-Packed Lawsuits
Negligent Misrepresentation/Sale Gone Sour
Breach of Duty of Care/Sold to the Highest Bidder
Theft of Trade Secrets

Fiduciary Liability

Denial of Benefits, Improper Advice
Administrative Error/Enrollment Oversight
Administrative Error/Life Insurance Benefit Dispute
Administrative Error/Mismanagement of Retirement Funds


INDUSTRY RESOURCES

ANSI
Bio-Med Testing Service
Business Insurance
Department of Labor
EEOC
Intermodal Association of North America (IANA)
International Risk Management Institute
ISO
Job Accommodation Network
National Association of Insurance Commissioners (NAIC)
National Underwriter Company
NCCI
Oregon Bureau of Labor & Industry
Oregon OSHA
OSHA
Risk and Insurance Magazine
Washington State Dept of Labor and Industries
Washington State Dept of Labor and Industries - Workplace Safety


CREDIT RATING AGENCIES

AM Best
Fitch
Moody's
Standard & Poor's


STRATEGIC PARTNERS

A & I Benefits Administrators
A&I Benefit Plan Administrators, Inc. offers a complete line of employee benefit plan administration services to employers, associations and multi-employer Taft-Hartley groups throughout the western United States.

Bullard Smith Jernstedt Wilson
Bullard is a boutique labor and employment law firm representing employers in both the private and public sectors. We are the largest specialty management labor and employment law firm in the Northwest.


Cascade Occupational Medicine
Provide a full spectrum of occupational health, safety, and preventative services for employers, through a network of occupational medicine and healthcare clinics


DRB
Provide human resource and employment law information and resources to risk management firms across the United States.


Group Benefits Manager
Group Benefits Manager is an internet based software application designed specifically for life and health underwriters, human resource administrators and their employees to interact across one simple platform.


Institute of WorkComp Professionals
The Institute trains and certifies professional insurance agents to help companies identify and fight overcharges caused by mistakes rampant in the complex and confusing Workers' Compensation system.


Oregon Financial Services Group
Oregon Financial is the preeminent resource for wealth accumulation products, insurance protection products and financial services.


Tonkon Torp
Tonkon Torp provides a full spectrum of business law, employment and litigation services. Also maintain exceptional capabilities in the areas of Mergers & Acquisitions, Bankruptcy & Restructuring, Complex Litigation, Corporate Finance, Labor & Employment, Real Estate, and Wealth Planning.



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