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Ilume

Nov 10, 2022

71% of the earth is covered in it.  All of us need to drink it and most businesses rely on it.  We can live in hot environments and cold environments, but we can't live without water and we can't live under the water.  Water has also been one of the leading causes of loss for the insurance industry and one of the...


Jul 7, 2022

Two million employees in the United States are impacted by workplace violence (including gun violence) each year accounting for about 15% of all workplace fatalities; putting the United States at the highest end of the risk spectrum across the globe.  Without any success in implementing policies at the societal level to...


Feb 16, 2022

For decades, businesses have required certificates of insurance (COI) from subcontractors, tenants, vendors, suppliers, and other third parties to confirm evidence of insurance.  This is important to confirm that risk transfer can occur as expected in a written contract.  Problems and gaps are often only uncovered after...


Feb 3, 2021

Your company's brand is a hugely important asset and can be impacted in a second, by any given decision or action.  Claims with high frequency don't tend to rise to the level of brand impact, however less frequent, but more severe claims often can have a lasting impact on both the health of the business and the impacted...